We all do our best to get the best deal we can on everything we buy these days – and insurance is no exception. But there are some options on home insurance where you can choose to pay a small amount more per month in order to get a lot more cover overall.

It’s so easy to get new insurance quotes online today, especially if you use a site like igo4 so you only have to input your details once in order to get a range of different insurance products. When you look for new home insurance quotes, you’ll see that some insurers include the following options in the initial quote offered, but you can always opt to take them off the insurance policy so that you reduce the total price. However, it’s worth considering what you might lose in terms of cover first.

Home emergency

This is the cover you wish you had when you have a boiler or a furnace breakdown in the middle of winter and you have to dial in an expert from a firm providing boiler or Furnace Maintenance in Bristow (if that is where you live). Generally, a home emergency cover provides for a tradesman to come and assess the damage within a really short time frame. It also covers the costs of the labour and parts to repair the problem, up to a ceiling amount. That being the case, Mercury Insurance is one provider you might want to look at if you’re searching for something to cover structural damage that may have been caused by a storm or wildfire, for example.

Home damage

This is always a handy one to have if you have toddlers or older children in the house who tend to get into everything that they aren’t supposed to. Nutella sandwiches in the DVD player, or a smartphone dropped into the fish tank? That’s what accidental damage cover is for – those little accidents caused by members of the household that result in costly damage.

Repair costs can also be covered for larger home damage if you are willing to pay slightly more. There can be all sorts of issues that cause damage to your house. For example, if you have a storm cause damage to your roof then you most likely will need to call in a roofer to fix the roof and even potentially a service similar to Mold Remediation Services to help you fix the issue if needed. By paying slightly more for insurance you may be able to get these services covered by your insurance company should you need them.

Personal possessions

You may not be aware that most contents’ insurance only covers items while they are in your home. So, if you lose your video camera while you’re out, your contents’ insurance won’t cover it unless you have opted to have personal possessions cover added to your policy. With this, anything you lose while out and about will be covered too.

Deciding whether to have these extras on a home insurance policy is down to individual choice. Only you know what your realistic risk is, and of course, you also have to weigh up when it’s worth putting in a claim or not, as each claim will also affect the next year’s premiums.