What optional extras can I add to a home insurance policy?
The following types of cover are typically available as optional add-ons to a home insurance policy and will usually involve an extra cost if you choose to include them.
You can add accidental damage to your buildings insurance policy, which could cover you for damage to the structure of your home, including mishaps such as drilling a hole through a pipe or accidentally putting your foot through the ceiling.
Accidental damage is also available as an add-on to contents insurance and could protect against the cost of any accidents to your possessions, such as red wine spilt on a sofa.
- Personal possessions outside the home
Personal possessions insurance offers cover for the belongings that you usually carry with you when you’re out and about, should you lose them or they’re stolen.
Legal expenses cover aims to cover you for the costs of being sued or having a claim made against you. For example, a plumber does what you consider to be a poor job at your home and you don’t want to pay their bill, but they still demand full payment from you.