0344 840 6300 talk2us@goskippy.com

From as little as £45* per year!


Home Insurance

Have you got you home insured? Home insurance is not a legal requirement however, it is something that you should consider getting.

If you have ever applied for a mortgage in the UK you will know that some lenders insist on you having an appropriate level of insurance in place.

Home insurance protects the physical building of your home and the contents inside it.

GoSkippy not only brings you cheap home insurance but also offers you peace of mind with our choices of cover and a full range of optional extras whilst providing excellent customer service.

GoSkippy’s home insurance offers you a choice of three types of cover;

  • Combined Buildings & Contents Insurance
  • Buildings Only Insurance
  • Contents Only Insurance

We also offer a wide range of policies that will cover:

  • Unoccupied properties
  • Landlords – buy to let
  • Specialist policies that will over – subsidence, landslip, heave, convictions, and flooding

We understand that your home may be your most valuable asset so it’s important we get the right cover for you. Compare home insurance quotes with GoSkippy and get cheap home insurance cover today. You can also find us on top insurance comparison sites.

Why Choose GoSkippy?

Affordable – GoSkippy provides cheap home insurance. Our excellent range of optional extras allows you to customise your cover. Compare home insurance with us and let us find the best insurance policy for you.

Added protection – We offer home emergency extension cover. This protects you against any boiler breakdowns, sudden leaks, failure of water, gas or electricity supply. As well as worldwide all risk insurance to cover your possessions aboard, for extra security.

Optional extras – Create your perfect package with our range of insurance more products. These include legal cover, key cover, appliance cover and home emergency cover.

Self-help service – If you are in a rush, we have a fantastic ‘self-help’ service. Here you can find answers to your questions about home insurance without having to call in.

Online customer service – You can also find help through live chat. A team of our customer service agents are ready and waiting to help you with your home insurance.  You can chat our agents from 9am – 8pm Mon-Fri. 9am – 6pm Saturday.

Competitive rates – We give you access to a panel of insurers and better still, we compare all of the best prices so you don’t have to. Find a policy which suits your needs and budget best. Get your home insurance quote today from as little as £45 per year*

*Based upon our lowest paid premiums from our panel of insurers in February 2022.

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Frequently Asked Questions

What is home insurance?

Home insurance is a type of property insurance that covers private residential buildings. If you are a homeowner you will consider taking out home insurance to protect your house and your belongings. It is 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?

Home insurance is usually split into three parts; buildings insurance, contents insurance and combined buildings and contents cover. It is important to get the right policy so you get the right cover for you. 

What does home insurance cover?

Home Insurance is a form of property insurance the covers any damages or losses to your home. We have three main types of cover. We offer buildings insurance, contents insurance, and combined buildings and contents. 

Buildings insurance provide cover for the roof, walls, ceilings, floors, kitchens and bathroom suites etc. Contents cover will protect the whole contents of your home – if you were to turn your house upside down then whatever falls out would be seen as your contents. Items such as furniture and clothes. We also offer accidental damage, as an optional extra, on our policies to cover you in the event of an accident.

Why do I need home insurance? And do I have to have it?

Home Insurance gives you peace of mind. Unlike car insurance you do not have to have home insurance to own and live in a house. If you have bought your home with a mortgage, your lender will ask you to have home insurance coverage to protect your home. It can be expensive to cover the costs of replacing items in the event of a burglary or fire so is important to consider. 

Contents insurance covers any item that is not part of your home. Including goods, furniture and other valuables.

What is accidental damage cover?

Accidental damage covers possessions against damage caused by acts of negligence. For example, spillages and breakages in the home.

Will my personal items be covered away from the home as standard on the policy?

You can increase your cover by adding our all-risk cover. This means your personal possessions are covered outside of your home too. This is an extra fee. Unfortunately, it is not included in your standard home and contents insurance policy.

How do I know how much cover I need?
The figure you choose should represent the total value of the possessions in your home. This excludes the main building, the walls, windows and your roof. These are covered under a buildings policy.
Your buildings sum insured is usually given to you when you buy/mortgage the property. If you’re still unsure of what this is a building surveyor would be able to tell you this.
Can I get buildings insurance if I do not own the property?

No, you do not need building insurance if you do not own the property. This falls under the responsibility of the property owner.

How much is home insurance?

Your premium will be based on several factors. We ask you a series of questions to find out what type of cover you require, including details of your building and contents, excess level and any claims history. The quote generated will be the best price we can offer for the level of cover you require. 


We would recommend that you read over the policy documents before taking out a policy. If you do need more information please give us a call and speak to one of our sales agents.
When taking out a quote, we will ask a series of questions. It is important that we have the correct accurate information. Our insurers and credit providers need the necessary facts to calculate your insurance risk. Please answer all questions with complete honesty and to the best of your knowledge.
Once our insurers and credit providers have completed all their necessary checks. If they find that some of the questions have been answered incorrectly. It could mean that your insurance is not valid. There could be a risk that your home insurance may be cancelled, your claim could be rejected or not fully paid.
  • Please be aware that our home insurance policies are for UK residents and UK properties only.
  • You must be a home owner to take out buildings cover.
  • You can’t have any extra products unless it’s your permanent house.
  • You must be 18+ years old

Optional Extras

We give you the option to upgrade your policy with a number of optional extras including: legal cover, key cover, appliance cover and home emergency cover.

Home emergency cover from £50.99

  • Covered for burst pipes or sudden leakage
  • Failure of domestic water mains supply or electrify supply
  • Total failure or breakdown of your primary heating system
  • Roofing, down piping or guttering failing and further water damage
  • 24-hour emergency help

Appliance cover from £34.99

  • Cover for your cooker, microwave oven, fridge/freezer and washing machine
  • Unlimited access to a claims helpline to access policy service
  • If an appliance is beyond repair, we will supply a replacement
  • £500 cover for labour, parts, callout charges and VAT for each claim

Types Of Cover

What does buildings and contents insurance offer?
Buildings Insurance covers the structure, fixtures and fittings of your home. For example, your roof, walls, ceilings, floors, doors and windows. Also your fitted kitchens, built-in cupboards and bathroom suites. Having contents insurance is a must for ensuring that you have peace of mind that all of your belongings are safe when you leave your home.
What does buildings only insurance offer?
Buildings insurance covers any damage caused to the psychical structure of the building. If your home were to subside, burn, or damaged by extreme weather. Your buildings insurance policy covers the costs of rebuilding or repair.
What does home contents insurance offer?

Having contents insurance is a must for ensuring that you have peace of mind when you leave your home. Contents cover insures all the material goods in your home. This does not form part of the building’s structure. This may include your furniture and appliances. In short, everything which matters most to you.

We are always here to help

We have a fantastic online customer service team. Our home insurance experts can assist you with all of your insurance questions on live chat.

Prefer to find the answers yourself? Visit our self help service by clicking the icon to the bottom-right of this website.

Alternatively speak to one of our insurance experts by calling customer service on: 0344 776 5311

Did you know that most of our customers save time by purchasing a policy online quickly and easily via our website, GoSkippy.com. There is a small admin fee of £20 to purchase a policy over the phone, which will be added to the annual policy arrangement fee.

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GoSkippy Insurance is arranged and administered by Somerset Bridge Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 477112). Registered in England and Wales (No. 6334001). Registered office: Lysander House, Catbrain Lane, Cribbs Causeway, Bristol, BS10 7TQ.