Contents insurance – variable options

There are a number of add-on options available in addition to a standard contents insurance policy. These include:
New for old replacement cover – This replaces items with equivalent new versions at today’s prices.
All risks cover – Includes items taken outside your home. These items are usually specified individually, such as jewellery, mobile phones, etc.
Legal cover – This pays for court costs. There are a number of different policies available including:

1. Compensation for injuries – If you are in an accident that’s not your fault you could claim compensation.
2. Consumer disputes – Disputes from buying, holding or selling goods.
3. Disputes with neighbours – Such as new fences, trees blocking light, etc.
   

Freezer contents cover – Will pay for a fixed amount should the food in your fridge or freezer become inedible.
Sports equipment cover – Such as golf clubs, squash racquets. They will not usually be covered while in use.
Garden equipment cover – Protects against theft from a garden shed.
Additionally, an option to consider is accidental damage cover, which is standard in a lot of policies. This covers against DIY accidents, paint spillages, etc and is available in both building and contents insurance.
Make sure you examine exactly what your insurance policy covers against. All levels of cover should include compensation against theft and fire. However, it could be important to make sure you are covered against storms and flooding, frozen pipes, subsidence and more. Also, if you have extended or plan to extend your property make sure your policy reflects the changes you make.