Skipton home insurance

Skipton home insurance is provided and underwritten by Legal & General and allows you to choose a policy based on your needs and budget. It offers two levels of cover to choose from and a wide selection of enticing optional add-ons too. 

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What does Skipton buildings insurance cover?

Your buildings insurance cover will depend on whether you have chosen the Protect or Protect Plus policy. Protect will provide cover that includes:

  • up to £800,000 in buildings cover
  • up to £25,000 in alternative accommodation cover
  • up to £500 cover for the loss of theft of keys

Protect Plus, Skipton’s comprehensive policy, provides cover that includes:

  • up to £800,000 in buildings cover
  • up to £50,000 in alternative accommodation cover
  • up to £750 cover for the loss of theft of keys
  • up to £500 in home emergency cover
  • up to £5,000 in trace and access cover
  • accidental damage cover for fixed glass and sanitaryware
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What does Skipton contents insurance cover? 

When you choose the Protect policy for contents insurance with Skipton, your policy will include:

  • up to £100,000 in contents cover
  • alternative accommodation cover up to 15% of contents sum insured (minimum of £3,000)
  • up to £1,000 cover for theft from outbuildings
  • up to £500 cover for the loss or theft of keys

The Protect Plus policy, on the other hand, includes:

  • up to £100,000 in contents cover
  • alternative accommodation cover up to 25% of contents sum insured (minimum of £10,000)
  • cover for theft from outbuildings up to 10% of the contents sum insured (minimum of £5,000)
  • up to £750 cover for the loss or theft of keys
  • up to £1,000 cover for freezer contents
  • up to £1,000 cover for garden contents
  • accidental damage cover for electronic equipment

Examples of what’s not covered by Skipton home insurance

  • Storm or flood damage to fences, gates and hedges
  • Maintenance, wear and tear or damage that happens gradually over a period of time, such as damp or rot
  • If your home has been unoccupied for more than 60 consecutive days for Protect Plus (30 consecutive days for Protect), loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitary ware or frost damage will not be covered.

This information provides some details of the key features and cover limits. It doesn’t include all benefits, exclusions or limitations and any other excesses or terms and conditions that apply. Further information can be found in the policy documents and it is important that you read these documents carefully.

Skipton home insurance optional extras

Need a little bit extra to put your mind at ease? Optional add-ons offered by Skipton include extended accidental damage cover, personal possessions cover, specified articles cover, pedal cycle cover and family legal protection.

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Why buy through Compare the Market?

We make it easier to find the right home insurance cover. In fact, 96.2%** of customers found our home insurance experience easy or very easy. So why not compare home insurance quotes from our wide range of providers in just a few minutes and see if you can save?

**For the period 1st June 2019 to 31st August 2019, 1,301 people responded to the question “How easy or difficult did you find it to complete a quote using CtM?” 1,252 responded with ‘easy’ or ‘very easy’ (96.2%)

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