Home Insurance

Our home insurance is provided by Legal & General and is designed to make insuring your home as simple as possible.

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£40 Amazon.co.uk Gift Card*

when you get a quote for a new Protect Plus combined buildings and contents policy by the date on your letter or email and then buy within 30 days of your quote date (see the full terms and conditions below).


Protect Plus – 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 comprehensive level of cover, including additional features such as Home Emergency Cover 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.

What you get, at a glance

Here's a quick overview of the features included in our Protect Plus policy.

Buildings cover Up to £800,000
Minimum excess £100
Home emergency coverCovers call out fees, labour and parts for incidents like burst pipes, storm damage or blocked drains. 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. 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 £50,000 
Loss or theft of keysCover for loss or theft of keys to external doors to your home. Up to £750
Accidental breakage of fixed glass and sanitaryware 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
Minimum excess £100
Personal money in the homeCovers your personal money at home. Up to £500
Freezer contentsCovers loss of freezer items if there's a power cut or equipment failure.  Up to £1,000
Contents in the gardenCovers loss or damage to items in your garden within the boundaries of your home.  Up to £1,000
Theft from outbuildingsCovers theft and attempted theft from your garage or domestic outbuildings.  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 £750 
Alternative accommodationIf you're unable to carry on living at your home due to an insured event, like a fire. 25% of contents sum insured
(minimum of £10,000)
Accidental damage to computers, TVs and stereos 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, 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

Start your quote Retrieve your quote

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

£40 Amazon.co.uk Gift Card – Terms and Conditions

  1. You’ll receive a £40 Amazon.co.uk Gift Card when you get a quote for a new Protect Plus combined buildings and contents policy by the date on your letter or email and then buy online or over the phone within 30 days of the quote date. You must use the promotional code to redeem your offer.
  2. We guarantee your quote for 30 days on the understanding that all your details are correct and do not change. Minimum premiums apply.
  3. The offer is only applicable to one Protect Plus combined buildings and contents policy per customer.
  4. The offer is not available to customers purchasing a Protect policy, or a buildings only or contents only policy.
  5. You must buy direct from us either online or over the phone, quoting the promotional code. This offer is not available via price comparison or cashback websites.
  6. Current or previous Skipton Building Society home insurance customers who have held a policy in the last 12 months are not eligible.
  7. If you have previously cancelled an insurance policy provided by Skipton Building Society within one month of taking that policy out, you will not qualify for the offer.
  8. We’ll send your gift card 90 days after your policy has started if your premiums are up to date and your policy is still active.
  9. Details of how to redeem your gift card will be sent to your email address. Where we have no valid email address, details on how to redeem your gift card will be sent to the postal address registered on your policy.
  10. This offer is provided by Legal & General and administered by The Marketing Lounge Partnership (MLP), The Stables, Home Farm, Mere, Cheshire WA16 0PX. We will only share your contact details (which include your address) with MLP so that they can send you the gift card; your details won’t be used for any other purpose.
  11. Not to be used in conjunction with any other offer.
  12. Skipton colleagues are not eligible for this offer.
  13. No cash or other alternatives are available.
  14. One Amazon.co.uk Gift Card per policy sold.
  15. Any queries relating to this offer should be sent to: skipton@marketinglounge.co.uk

*Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Cards ("GCs") may be redeemed on the Amazon.co.uk website towards the purchase of eligible products available on www.amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.

You're in safe hands with Legal & General

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

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