Skipton Building Society home insurance

Skipton has been helping people to save their money and own their homes since 1853. A mutual organisation owned by its members, Skipton offers mortgages, savings accounts, financial advice and insurance.

 

With home insurance, it focuses on protecting what’s important – what people love and what they can’t live without.

There are two levels of cover available, you have the option of the products and benefits that suit you. Choose from the Protect (which has a Defaqto 2 star rating) or the Protect Plus (Defaqto 5 star rating) cover, which has more benefits and higher limits.

Buildings and contents insurance policies are available separately, or you can buy them together as one package for greater convenience.

Skipton home insurance is provided and underwritten by Legal & General.

These are some of the benefits you’ll get with buildings cover

  • Protection for the structure of your home from any damage caused by events such as fire, flood, storms, subsidence, heave or landslip
  • Protection against loss or damage caused by escape of water and leakage of oil
  • If your home is made uninhabitable by an event you’re insured for, a fire, for example, you’ll be covered for the costs of living in alternative accommodation (up to £25,000 for Protect and £50,000 for Protect Plus)
  • Replacement keys and/or locks for outside doors in the case of loss or theft (up to £500 for Protect and £750 for Protect Plus)
  • Covers accidental damage to any underground pipes or cables that bring in or take out utilities to your home, such as electricity, gas, water and sewerage
  • Up to £500 Home Emergency Cover (Protect Plus only)
  • Cover for accidental breakage of fixed glass or sanitary ware as standard (Protect Plus only).

These are some of the benefits you will get with contents cover

  • Protection for your contents and personal belongings for events such as loss or damage caused by fire, flood, storms, earthquake, theft or attempted theft
  • Protection against damage or loss caused by escaped water or oil from domestic water or heating appliances, including metered water
  • Cover for high-risk items, such as jewellery, works of art and stamp collections
  • Alternative accommodation costs should you need to move out of your home temporarily because it is uninhabitable due to an insured event
  • Personal money in your home up to the value of £100 for Protect and £500 for Protect Plus
  • Accidental damage cover for music systems, TVs and computers, as well as mirrors and glass in furniture as standard. (Protect Plus only)
  • UP to £1,000 cover for freezer contents (Protect Plus only).

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, 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.

Optional extras

Extended Accidental Damage

For an additional premium, this covers accidents in the home, such as spilling red wine on your carpet or breaking a favourite ornament (contents) or putting your foot through the ceiling (buildings).

Personal Possessions

Provides cover for your personal possessions (up to £1,500 for each article), such as jewellery, laptops and valuables, against loss or damage in and away from your home, anywhere in the world.

Family Legal Protection

Covers the costs and expenses of certain UK legal proceedings if you need to make a personal injury claim, legal problems concerning your home, contracts at work or disputes over goods or services

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