The main optional extension to buildings and contents cover is full accidental damage cover.
In addition, there are a range of optional sections of cover which can be added to a household policy, including:
- Personal possessions: all risks cover for personal possessions regularly taken outside the home
- Money and credit cards: accidental loss of money and/or loss due to fraudulent use of credit cards
- Pedal cycles: accidental loss of or damage to pedal cycles and accessories
- Sports equipment: accidental loss of or damage to sports equipment and specialist sports clothing
- Frozen foods: loss of or damage to frozen foods due to a change in temperature or contamination by freezing agents
- Legal expenses: the legal costs involved in taking legal action against third parties or defending claims against the insured
- Home emergency: the cost of call out, labour and parts in the event of a home emergency
- Assistance services/emergency helplines: 24 hour helpline covering legal advice and emergency assistance with repairs
