Whether you are in rented accommodation or a property owner you will need to consider home insurance. At Skipton we have teamed up with Heath Lambert Insurance Services to provide you with all your home insurance requirements, so you can create your own policy with the additional options available.
Your Buildings
Provides cover for the actual structure of your home and its decorations, as well as outbuildings (including sheds), greenhouses, garages, drives, paths, patios, terraces, tennis courts, swimming pools, walls, gates, fences and fixed fuel tanks.
Your Contents
Provides cover for your household goods and appliances, clothing and personal effects, unlimited frozen food, personal money and credit cards up to £750 (whilst in your home).
- Your Buildings sum insured will reflect the Rebuilding costs up to a maximum limit of £500,000 (unless otherwise stated in your schedule).
- Your Contents sum insured will be based on replacement as new, up to a maximum limit of £50,000 (unless otherwise stated in your schedule).
- Valuables within Contents (gold, silver, gold and silver plated articles, jewellery and furs) up to £10,000 in total with a single item limit of £2,500 within the home. Higher levels of cover can be purchased.
Optional extras
You can also select:
- Accidental Damage cover to Buildings and/or Contents.
- Valuables and Personal Belongings cover away from the home. (Anywhere in the UK and Worldwide for up to 60 days during any one period of insurance).
- Pedal Cycle cover away from the home.
- Legal Expenses protection.
- Domestic Emergency cover.
- Protected No Claims Discount.
- Interest free monthly payment facility
For full details of the cover, conditions and exclusions that apply please read the policy document 
and Insurance Key Facts Summary .
Dedicated team
A dedicated insurance team is on hand to offer you support and advice, and Heath Lambert's claims staff will provide you with initial advice and ongoing updates throughout your claim, without the need to complete a claim form. You will also have access to 24-hour home emergency and legal advice services.
Switch now and we’ll pay the costs
Even if you’re not yet due to renew with your current insurer, if you switch to Skipton home insurance we will pay your cancellation fee†. Alternatively, let us know when your renewal month is and we’ll be in touch nearer the time to see if we can offer you a better deal.
† To view and print the M&S voucher offer terms and conditions click here.
§ Administered by Heath Lambert Insurance Services Norfolk House, 32/40 North Street, Horsham, West Sussex, RH12 1RZ. Heath Lambert Insurance Services is a trading name of Heath Lambert Limited (HLL). The Home Insurance policy is underwritten from a panel of insurers, these being certain Underwriters at Lloyd’s of London, Groupama and Ageas. All panel Insurers and HLL are authorised and regulated by the Financial Services Authority.