Home Insurance

Skipton Home Insurance is provided by Legal & General and is designed to make insuring your home as simple as possible.

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74%of customers
paid £199 or less*

* 74% of customers paid £199 or less: Based on the new Protect Plus combined building and contents between 1 July 2017 and 31 December 2017. Includes any optional additional cover, Insurance Premium tax and, where applicable, a charge for credit.


Your home is important, that's why we offer a choice of cover

Protect Plus – more cover for the things you love

As well as providing cover for loss or damage from events including fire, storm, flood, escape of water and theft, our Protect Plus policy gives you a more comprehensive level of cover than our Protect policy, including additional features such as Home Emergency Cover and some higher cover limits such as alternative accommodation cover. You can also add additional cover like Extended Accidental Damage, Personal Possessions in and away from the home, and Family Legal Protection.

Protect – quality cover for the essentials

Our Protect policy provides a lower level of cover for a smaller premium, but still includes important protection for events like fire, storm, flood, escape of water and theft. You can also add additional cover like Accidental Damage, Personal Possessions in and away from the home, and Family Legal Protection.

What do you need from your policy? Compare our policy features

You can go for buildings cover, contents cover or a combined buildings and contents policy.

  • A combined policy helps give you peace of mind that your property and contents are protected together.
  • Buildings insurance will cover you for loss or damage to the structure of your home (including its garages and outbuildings) against insured events.
  • Our contents insurance will cover the contents of your property and your personal belongings against loss or damage against insured events in the home.

  Protect Protect Plus
Buildings cover Up to £800,000 Up to £800,000
Minimum excess £150 £100
Home emergency coverCovers call out fees, labour and parts for incidents like burst pipes, storm damage or blocked drains. No Up to £500 
Trace & access the source of water or oil leaks at homeCovers the costs involved in tracing the source of an escape of water or leakage of oil. No Up to £5,000 
Alternative accommodationIf 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 keysCover 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
Contents cover Up to £100,000 Up to £100,000
Minimum excess £150 £100
Personal money in the homeCovers your personal money at home. Up to £100 Up to £500
Freezer contentsCovers loss of freezer items if there's a power cut or equipment failure. No  Up to £1,000
Contents in the gardenCovers loss or damage to items in your garden within the boundaries of your home. No  Up to £1,000
Theft from outbuildingsCovers 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 keysCover for loss or theft of keys to external doors to your home.  Up to £500 Up to £750 
Alternative accommodationIf 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 damageCovers you for accidents in your home like spilling red wine on your carpet.  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.

Examples of what else is included

  • 'New for old' cover - replacing your contents as new, except clothing over two years old
  • 24-hour UK-based helpline for legal and domestic emergencies
  • Annual or monthly payment options – choose what’s best for you
  • Extra peace of mind – no mid-term adjustment or cancellation fees
  • A personal claims manager who will look after your claim from start to finish

Examples of what's not included

  • Storm or flood damage to fences, gates and hedges
  • Maintenance, wear and tear or damage that happens gradually over a period of time, like damp or rot
  • If your home has been unoccupied for more than 60 consecutive days for Protect Plus (30 consecutive days for Protect), we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware or frost damage.

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 0800 197 6692

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

Skipton Building Society Home Insurance Protect and Protect Plus is sold, administered and underwritten by Legal & General Insurance Limited. Legal & General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales Number 423930. Registered Office: One Coleman Street, London, EC2R 5AA.

You're in safe hands with Legal & General

We've chosen Legal & General as our home insurance provider because they're trusted experts, offering award winning cover with over 90 years' experience insuring homes.

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