From as little as £142* per year!

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Home Insurance

Many people underestimate the value of their home. Under-estimating the value of your home can result in considerable financial loss. GoSkippy brings you cheap home insurance and peace of mind by offering a full range of optional extras and excellent customer service.

Home insurance cover comes in two parts – Buildings Insurance and Contents Insurance. This covers you against theft, fire, lightening, explosion, earthquake and storm damage. You can choose either one or both of these based on your needs.

Most mortgage lenders insist you have buildings cover in place to protect their investment. Contents home insurance is to cover your assets within and away from the home. Our insurers provide cover for your building. For example the roof, walls, ceilings, floors, kitchens and bathroom suites. Home 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.

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

Combined Buildings & Contents
Buildings Only
Contents Only

We also offer a wide range of policies, from our panel of insurers, 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 home insurance comparison sites.

Why Choose GoSkippy Home Insurance?

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 home insurance 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. You can compare home insurance direct through us. Find a policy which suits your needs and budget best. Get your home insurance quote today from as little as £56 per year*

*Based upon our lowest paid premiums from December 2018.

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Frequently Asked Home Insurance Questions

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. Home and contents insurance do not necessary provide the same cover.

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

Home Insurance gives you peace of mind. Unlike driving a car, you can own a home without household insurance. 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.

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. This is an extra fee. Unfortunately, it is not included in your standard policy.

How do I know how much cover 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.

What is the difference between buildings and contents insurance?

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.

A client only needs to cover themselves for the amount it would cost to rebuild the property. This is not always the market value! If you are uncertain or need some guidance on this, please give one of our home insurance experts a call.

Buildings Insurance covers loss or damage, for example:

Lightning

Explosion

Earthquake

Storm

Flood

Fire

Heave

There are two different levels of accidental damage cover for your buildings cover. There is a standard cover and an extended cover option also.

Contents Cover will cover the Contents of your home. Items such as furniture and washing machine are covered. There are two types of contents cover new for old. This is inclusive of the standard Accidental Damage and Accidental Damage. Like accidental damage, you can have the same upgrade with contents insurance which covers for mishaps.

Contents covers as standard accidental damage to the below which is under the new for old policy:

Mirrors

Glass (Internal Doors)

Furniture

Home entertainment equipment (audio, desktop computers)

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. his falls under the responsibility of the property owner.

How do I get home insurance?

You can get a home insurance quote with us direct online. Or you can call us or find us on home insurance comparison sites. When you do take out a quote we will ask a series of questions. You must provide correct accurate information. This is so our insurers and credit providers have the necessary facts to calculate your insurance risk.

Have more questions about car insurance? Visit our FAQ’s

Eligibility

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 home insurance 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 Home Insurance Cover

What does buildings and contents insurance offer?

If you lost everything in your home, would you be covered? Having contents insurance is a must for ensuring that you have peace of mind 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 home 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 £10 to purchase a policy over the phone, which will be added to the annual policy arrangement fee.

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*Based upon our lowest paid premium in January 2019 for buildings and contents insurance.