What does Home Insurance cover?
Home insurance is a type of property insurance that covers private residential buildings. This will protect the physical building of your home, the contents inside it or both. Home insurance is usually split into three options:
To cover both your building and the contents inside it, you can take out a Building and Contents Policy.
Will protect the whole contents of your home. Imagine you turned your home upside down, whatever falls out would be seen as your contents. You’ll be covered for things like valuables, furniture, and clothes in the event of fire, flood, or theft. We can also offer accidental damage, as an optional extra to cover you in the event of an accident.
Provides cover for the roof, walls, ceilings, floors, kitchens and bathroom suites to name a few.
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Home Insurance optional extras
We give you the chance to upgrade your policy with optional extras including:
Home Emergency Cover
Burst pipe, sudden leak, no heating or electrics? Don’t fear. We can help with cover for £50.99 per annum.
If your house appliances break down or need replacing, make sure you’re protected. For just £34.99 per annum.
Legal Expenses Cover
Protect yourself from any unexpected legal costs. For £20.99 per annum you’ll be covered.
For £16.99 per annum you’ll never have to worry about misplacing your keys again.
Call us for a chat and we’ll guide you through all you need to know.
Frequently asked questions
This will be confirmed in your renewal notice which will be sent to you 21 days before renewal. If you purchased your policy online, we give you the opportunity to automatically renew with the current insurer. We always offer their best deals to existing customers as well as new customers. Of course, if you don’t wish to renew your policy you can contact our renewals department on 0344 7765306.
You can cancel your home insurance after 14 days from the start date, but you will need to pay a £50 cancellation fee (also known as a broker arrangement fee) on top of the time you’ve been covered by us. We’ll return payment for cover after the cancellation date (a pro-rata refund), minus the cancellation fee. If you have made a claim or a claim is pending no refund will be made.
You can cancel the policy within the first 14 days as per your statutory right to cancel. We’ll return your payment subject to the terms of your policy less a £20 admin fee. In effect, this means that your home was not covered by us. If you have made a claim or a claim is pending no refund will be made.
We’re sorry if you no longer want to insure your home with us. How you cancel depends on how long is left on you policy. Cancellations before a renewal invitation has been sent can be made over the phone on: 0344 7765 311 or via email at email@example.com.
If you wish for your policy to end after you’ve been sent your renewal invitation, you can call our dedicated renewals team on 0344 7765 306. An advisor will happily discuss your renewal with you and try to find you a price you’re happy with.
If you still wish to end your policy, we can do this for you over the phone. Sometimes, it is easier and cheaper to allow your policy to lapse, so you don’t incur a cancellation fee. Alternatively, you can email us on firstname.lastname@example.org
Who needs Home insurance?
If you’ve ever applied for a mortgage in the UK, you’ll know that some lenders insist you have the right level of buildings insurance in place to be able to buy a house. Do you have a lot of expensive equipment in your flat? Then making sure if it’s damaged by fire or flooding it can be replaced might be high up your list of priorities.
It’s important to consider if you could afford to repair your home if it was damaged by a storm, your home was suddenly uninhabitable, or your most valued possessions were stolen. Could you afford to fix the damage and replace these items alone?
Whether you own your house or just rent it, home insurance can reassure you that you won’t be left out of pocket if the worst does happen.
Why use GoSkippy?
We are an insurance broker set up to bring you first class insurance at the most competitive prices we can find.
We search a range of market-leading insurers to find you the best deal.