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Home Insurance: Optional Extras
Plenty of home insurance policies offer exactly the cover you need under a standard policy. However, if you find yourself needing specific cover or additional extras, it's definitely worth exploring what's available. Here are some examples for both buildings insurance and contents insurance:
Buildings Insurance
| Accidental Damage Enhances buildings insurance by covering sudden and unintentional damage to the home’s structure, fixtures, and fittings, offering broader protection than standard policies. |
| Alternative Accommodation Covers the cost of living elsewhere if your home becomes uninhabitable due to covered damage, ensuring temporary housing while repairs are made. |
| Home Emergency Addresses the cost of emergency callouts and repairs for sudden incidents affecting utilities, providing quick solutions without covering the root cause. |
| Legal Expenses Offers financial assistance for legal fees in property disputes or personal injury claims against you, covering legal advice and representation costs. |
| Trace and Access Covers the expenses involved in detecting and accessing the source of water leaks, including the cost of repairs necessary after the leak is found. |
| House Keys and Locks Provides for the replacement of locks and keys if yours are lost or stolen, ensuring your home’s security is quickly and effectively restored. |
| Outbuildings Extends protection to sheds, garages, and their contents, safeguarding against damage or theft of structures and belongings stored within. |
| Gardens Insures items in your garden, like outdoor furniture and tools, offering financial protection against theft, loss, or damage to these outdoor valuables. |
| Swimming Pools Provides specific coverage for structural damage to swimming pools, ensuring that repair costs are covered in the event of unexpected damage. |
| Ponds and Patios Offers coverage for structural damage to ponds and patios, excluding living creatures, protecting your outdoor aesthetic elements from unforeseen damages. |
Contents Only Insurance
| Accidental Damage Provides financial protection for unintentional damage to your home or belongings, covering repairs or replacements for accidents like spills or breakages. |
| Home Emergency Offers immediate assistance and covers costs for urgent home repairs due to emergencies like boiler breakdowns or electrical faults. This add-on ensures quick fixes but doesn't cover the root cause, which might be claimed under the main policy. |
| Away from Home Safeguards items you carry outside the home, like laptops or phones, against loss, theft, or damage. Available as an optional add-on, it extends contents insurance to cover personal belongings anywhere you go. |
| Bicycle Cover Protects bicycles against theft or damage when taken outside the property. This cover can be added to your contents policy or secured through specialist bicycle insurance for comprehensive outdoor protection. |
| Legal Expenses Provides coverage for legal fees to pursue or defend against personal disputes, such as injury claims. Known as legal expense insurance, it supports costs for legal advice and representation, easing the stress and financial burden of court proceedings. |
Remember, if you're looking to keep your home insurance premium down you should consider how necessary additional cover is. For more money-saving tips, visit Home Insurance: Help & Hints.
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Other home insurance articles which you may be interested in...
Home Insurance: Help & Hints -
Useful information on how to keep your home insurance premiums low.
Home Insurance: FAQs -
Answers to some of the most commonly asked questions relating to home insurance.
Tenant's Insurance -
Tenants insurers, renters insurance, or contents only insurance is for those are not the homeowners of their property.
