Home insurance add-ons explained
All you need to know about the home insurance extras you may (or may not) need
When you take out a home insurance policy, you might assume that all of your needs are catered for – unfortunately, this isn’t always the case.
Most providers will offer optional add-ons to their home insurance policies, ranging from legal and emergency cover to insurance for digital downloads, but which of these extras do you need?
Here are some general home insurance optional extras, what they include and why you might want to add them to your new or existing policy:
Home emergency cover
Arguably the most important home insurance add-on featured on this list, home emergency cover can be used in the case of – you guessed it – emergencies.
Most policies will offer insurance for any labour, parts and materials required as well as alternative accommodation if your home becomes inhabitable.
What does home emergency cover include?
Although the cover on offer can vary, the majority of home emergency cover policies include protection for:
- Replacement locks
- Lost keys
- Pest infestation
- Electrical faults
- Burst pipes
- Boiler breakdown
- Blocked drains
- Roof damage (caused by adverse weather)
- Security issues (eg. broken doors/windows)
- Plumbing issues
When taking out a home emergency cover policy, you’ll likely be provided with a 24/7 emergency helpline. This does not guarantee that you will have access to a tradesperson around the clock, but it can ensure that one is sent to you at the earliest possible opportunity.
READ MORE: Home Emergency Cover – Is it Worth It?
Home insurance policies don’t typically pay out for accidental damage claims, which is why many people opt to invest in this particular form of additional cover.
An accidental damage home insurance add-on can be useful for both buildings and contents insurance policies, and will typically provide peace of mind in the event of damage to fixtures and fittings, as well as home contents.
What does ‘accidental damage’ cover?
Accidental damage cover on buildings insurance includes cover for:
- Fixed glass (eg. windows/glazed doors)
- Sanitary fittings (eg. sinks, baths and toilets)
- Service pipes & cables
Accidental damage cover on contents insurance includes cover for:
- Non-portable entertainment equipment (eg. TVs)
Accidental damage cover can vary from insurer-to-insurer, so always be sure to read up on what you are and are not insured against. Some insurers also offer a premium level of accidental damage cover, which will extend your protection to cover the majority of household items and appliances.
READ MORE: 15 Tips to Save You Money on Home Insurance
Personal possessions insurance
As you’d perhaps imagine, a standard home insurance policy will only stretch as far to cover the items within your home. However, with the addition of personal possessions cover (sometimes called an all-risk extension), policyholders can ensure that their everyday items like smartphones and jewellery are protected against loss, theft or damage while out of the house, too.
What is personal possessions cover used for?
Some of the possessions which can be protected by a home insurance personal possessions add-on include:
- Personal money (eg. cash)
- Wallets, purses & handbags
It should be noted that the majority of insurers will impose a per-item claim limit of £1,000, so if you are looking to insure an item worth more than that, you should declare it to your insurance provider individually.
Some home insurance providers might also exclude loss, theft or damage sustained outside of the UK.
READ MORE: Home Contents Insurance
Home insurance legal cover may not sound like something that you’ll ever require, but this useful add-on is far more than just legal cover for your home.
When making a claim on your legal expenses cover, your home insurance provider will arrange for a professional lawyer to discuss the matter with you and let you know whether or not you have a case.
What does ‘legal expenses’ cover on home insurance?
Legal expenses home insurance is usually used to cover the costs involved with legal proceedings in relation to:
- Personal injury
- Medical/cosmetic procedure negligence
Some policies will also give you access to services to help in the writing of legal documents such as wills, which you can read more about in our complete guide to writing a will.
Digital download insurance
While the majority of multimedia content is streamed or stored online these days, there are still some expensive downloads which you might have to replace if your device is stolen from your home.
Whether or not download insurance is needed is up for debate and is likely to depend on your own individual circumstances, such as what you do for work and how you use your devices.
What does digital download insurance cover?
As you’d expect from the name, this quite specific level of insurance provides cover for digital content, such as:
- TV programmes/movies
- Software/computer programmes
Protected no claims discount
A no claims discount is commonly associated with car insurance, but many people ask the question: ‘do you get a no claims discount on home insurance?’ – the answer to that is yes.
A home insurance no claims discount gives policyholders access to cheaper premiums when they go an extended period of time without making a claim on their home insurance policy. Opting to secure this discount with a protected no claims discount add-on can help to keep premiums low in the future, allowing policyholders to retain their discount even after making a claim
Most providers require policyholders to be claim-free for at least 5 years before protecting their no claims bonus.
Get home insurance with Bobatoo
Whether you want a policy complete with add-ons or you are happy with a basic level of cover, you can get a guaranteed great deal on your home insurance with Bobatoo.
Bobatoo works closely with only the very best insurance providers in the UK, ensuring that customers receive not only value for money with their policies but excellent coverage, too.
Click below to get a cheap quote and find out how much money you could save on home insurance today.