Getting home insurance may be something of a bug-bear for some, but it’s absolutely essential to make sure that, in the event of anything bad happening, you’ll be financially secure. Not all policies are the same though. While for the most part some will be standard, other polices actually include add-ons, tailoring them to each individual policy holder’s needs.

Add-ons that can really add up

Insurance by its very nature is designed to help you when you need it most. With this is in mind, there are optional extras for those who wish to cover additional areas. Basic home insurance will only get you so far, so if you’re someone that prefers to be safe rather than sorry, then you may wish to consider some home-insurance add-ons.

Now, these add-ons can vary between insurance companies. Whichever ones you choose should be based on your own personal circumstances. Standard add-ons can include, but are not limited to, the following:

Accidental damage cover

If you’re a bit clumsy, getting this add-on is essential. It pays out for those times when you accidentally spill red wine over your white sofa or put your foot through the ceiling when working up in the loft. If you have children, an accidental damage cover add-on can be worth every penny.

Legal expenses cover

Whatever policy you take out, the option for your legal expenses to be paid usually comes in the form of an add-on. Are you confident that if you need to make a claim and it is disputed by any of the parties involved, you are able to deal with this case in court? Legal expenses cover makes sure that you don’t have to pay for the legal costs if you have to pursue a court case or a claim.

Now as you can see, these add-ons can be applied to most people looking for home insurance. As mentioned, accidental cover is a particularly good one for families with children who are prone to the odd mishap. However, what if you are elderly or retired people? Are there any add-ons that are applicable to you?

Again, this will vary depending on the insurer, but if you are over the age of 50, seeking specialist home insurance could save you money. The add-ons they offer may be really useful as well. For example, some add-ons for the over 50s include, but are not limited to, the following:

Home emergencies cover

Are you worried that your boiler may break or heating pack in? Well for those who are vulnerable to cold snaps, having home boiler cover will pay for emergency callouts and repairs, as well as the labour costs, depending on the insurer. Which is a good place to remind you to always check your policy details thoroughly.

Golf Cover

Whilst this one may sound a little unusual, it’s anything but. In fact, it’s vital to ladies and gentleman over the age of 50 who love to take to the golf course. This add-on will pay out in the event of your clubs being damaged or stolen. Cover can also include the payment of you membership fees as well as any tournament entry fees applicable, if you fall ill or are injured for more than 60 days after these fees have been paid, thus preventing you from playing. This add-on can offer you many more benefits than those listed here but, suffice to say, it’s essential for those who take the game of golf seriously.

Any home insurance add-on you choose should be applicable to your needs and circumstances. Always check the terms and conditions and the policy details before agreeing to any policy.