First, check what your standard home insurance policy already provides, to make sure you’re not doubling up on cover or getting more cover than you need.
Then, if you want to consider add-ons, think about what’s important to you. For example:
Accidental damage cover pays out for mishaps, such as knocking paint over your carpet or unintentionally drilling through a waste pipe.
Home emergency cover is for labour and parts to fix emergency issues, such as pest infestations.
Personal possessions cover is protection for your belongings, such as jewellery and laptops, if they are lost, stolen or damaged when you take them outside your home, up to a maximum limit.
Legal expenses cover helps pay legal costs for accidents that aren’t your fault and boundary disagreements, among other things.
These bolt-ons will usually cost extra but if they offer peace of mind and would be useful, you may want to consider them.
Take the time to read the inclusions and exclusions, so you know what the insurer will and won’t pay out for before you buy the policy.