Home Insurance

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6 out of 10 of customers paid £199 or less for buildings and contents cover*

*Based on 67% of new Protect and Protect Plus combined buildings and contents customers between 1 January 2020 and 30 June 2020. Includes any additional cover selected by the customer, Insurance Premium tax and, where applicable, a charge for credit.

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Skipton Home Insurance is underwritten by Fairmead Insurance Limited (renamed from Legal & General Insurance Limited), part of the Liverpool Victoria General Insurance Group. Please read the policy details below to find out more about our home insurance cover before starting a quote.

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Cover for your contents, your property or both

We’re here to protect the things that are important to you.

  • Our contents insurance will cover the contents of your property and your personal belongings against loss or damage against insured events in the home.
  • Our buildings insurance will cover you for loss or damage to the structure of your home (including its garages and outbuildings) against insured events.
  • Combined cover gives you the peace of mind that both your home and its contents are insured.

Moneyfacts Five Star Rated Protect Plus Home Insurance

Money facts Logo Home Buildings Insurance 2020
Money facts Logo Home Contents Insurance 2020

We've been awarded a Five Star Rating for our Protect Plus home insurance cover by Moneyfacts. The five star rating is based on analysis of the home insurance market carried out by Moneyfacts, which takes into account policies with the widest range of cover, the largest limits and the product features that are likely to be most relevant to customers.

We have two levels of cover available, Protect and Protect Plus and here’s how they compare:

Buildings cover

Protect Protect Plus
Cover amount Up to £800,000 Up to £800,000
Minimum excess £150 £100
Home emergency cover Covers call out fees, labour and parts for incidents like burst pipes, storm damage or blocked drains. No Yes Up to £500 
Trace and access the source of water or oil leaks in the home Covers the costs involved in tracing the source of an escape of water or leakage of oil. No Yes Up to £5,000 
Alternative accommodation If you're unable to carry on living at your home due to an insured event, like a fire. Up to £25,000  Up to £50,000 
Loss or theft of keys Cover for loss or theft of keys to external doors to your home. Up to £500  Up to £750
Accidental breakage of fixed glass and sanitaryware Additional cover option Yes
Extended accidental damageCovers you for accidents in your home like banging a nail through a pipe, or putting your foot through the ceiling whilst in the loft. Additional cover option Additional cover option

Contents cover

Protect Protect Plus
Cover amount Up to £100,000 Up to £100,000
Minimum excess £150 £100
Personal money in the home Covers your personal money at home. Up to £100 Up to £500
Freezer contents Covers loss of freezer items if there's a power cut or equipment failure. No Yes Up to £1,000
Contents in the garden Covers loss or damage to items in your garden within the boundaries of your home. No Yes Up to £1,000
Theft from outbuildings Covers theft and attempted theft from your garage or domestic outbuildings.  Up to £1,000  10% of the contents sum insured
(minimum of £5,000)
Loss or theft of keys Cover for loss or theft of keys to external doors to your home.  Up to £500 Up to £750 
Alternative accommodation If you're unable to carry on living at your home due to an insured event, like a fire. 15% of contents sum insured
(minimum of £3,000) 		25% of contents sum insured
(minimum of £10,000)
Accidental damage to computers, TVs and stereos Additional cover option Yes
Extended accidental damage Covers you for accidents in your home like spilling red wine on your carpet. Additional cover option  Additional cover option
This table shows some details of the key features and cover limits. It doesn't include all the benefits, exclusions or limitations and other excesses that apply. Please download and read the policy documents in full.
The above shows some details of the key features and cover limits. It doesn't include all the benefits, exclusions or limitations and other excesses that apply. Please download and read the policy documents in full.

Get your quote online today

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You can also call the insurers direct on 0800 197 6692

Lines are open Monday to Thursday 8am - 8pm, Fridays 8am - 6pm, Saturdays 9am - 5pm.

Help and Support

Existing customers

You can view your policy documents, find out how to make mid-term adjustments, contact us and also how you can make a claim.

Existing customers

Frequently asked questions

We've brought together the answers to some of your most commonly asked questions.

Read our FAQs

Skipton Building Society Home Insurance Protect and Protect Plus are underwritten by Fairmead Insurance Limited (renamed from Legal & General Insurance Limited), part of the Liverpool Victoria General Insurance Group. Fairmead Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 202050. Registered in England and Wales Number 00423930. Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB.

*To help maintain service and quality, some telephone calls may be recorded and monitored.

Site intended for UK residents only. Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing Restricted financial advice. Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.

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