Most home insurance providers offer optional extras with their policies. However, what are these extras and are they worth the additional premium? This guide will take a look.
Here is an explanation of some common home insurance extras and who they are right for:
Accidental damage cover: Most policies offer accidental damage on items such as TVs and electrical equipment as part of their standard cover. However, you may be able to add additional accidental damage cover on your contents insurance for risks such as dropping ornaments; spills on carpets; breaking or damaging furniture. Extra accidental damage cover is also available with buildings insurance to cover risks such as putting your foot through a ceiling or hitting a nail into a water pipe.
Who it is right for: Homeowners with children or who like to undertake DIY projects. Depending on how high you have set your policy excess this cover may not be worthwhile unless you're particularly accident prone.
Home emergency cover: Provides peace of mind that if a domestic emergency occurs a tradesman will respond, usually within 24hrs, and carry out emergency repairs.
Who it is right for: Useful for any homeowner but look for a policy that will not charge an excess on this cover option.
Legal services: Provides cash towards pursuing a case or defending yourself in court for claims such as property disputes, personal injuries and personal residence disputes.
Who it is right for: Could be needed by anyone at any time but is particularly important if you are carrying out any major renovation work to a property.
Personal belongings: Provides protection for items you take out of the home up to a chosen limit.
Who it is right for: Particularly important for people that run businesses from home and take laptops, mobiles, etc, on the move.
Protected No Claims Discount: Protects your no-claims bonus in case you need to make a claim, meaning your premiums won't shoot up as a result.
Who it is right for: Anyone with several years' no-claims who is receiving such a sizeable discount that it makes the additional premium worthwhile.
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