Extra cover can be purchased on most home insurance policies to cover these risks as well as cover for business interruption, extra expenses, accounts receivable, personal possessions temporarily away from the premises and other coverage. You must have backup coverage in place to be covered for rupture or bursting, backing up or escape of water from a sewer, drain, sump, septic tank, leaves trough or downspout. If you have a pool, liability must be extended from the homeowners policy . That's when you create a maze of extension leads, plugs, and wires. The extra load on your electrics can cause a fire.
Extension leads are usually appropriate only on temporary or portable pieces of equipment.
So, for example, using extension leads with Christmas lights is fine, but it is unacceptable for an oven, washing machine or other major appliances. Never run extension leads under carpets or across doorways, where they can overheat or become worn. When using extension leads, make sure that the current rating, in amps, of the appliance that you are plugging in doesn't exceed the extension lead's rating. Check all leads and plugs for fraying, cracks, or loose connections. When in doubt, replace old leads .