Home insurance providers offer you many discounts and provide reduced premiums. They offer a payoff against damage to the property and its contents. However, there are certain add-ons for which they may charge extra. The extra fees is considered as a charge for modifying or cancelling the cover for a new one. Therefore, you need to consider these charges before buying a home insurance policy from a particular provider.
You can get the following add-ons over the policy:
Home emergency cover: This cover includes emergency conditions and household crises like boiler breakdown or burst water pipes. Some other emergencies like electrical faults, urgent pest control, etc. can be covered too. For this, the cover may vary by £30 a year or add up as a bigger amount to your actual policy. The customer must check the terms and conditions for the variables in this cover.
Accidental damage: Sudden and unexpected damage due to kids, furniture transfer, theft or electronic gadgets and the likes are covered under accidental damage cover. The insurance provider may add £20 to £100 more in your annual premium. Pet owners need to check if their provider offers payoff for accidental damage caused by pets.
The Away from home cover: This cover is for getting payoff for theft and damage of personal possessions when you are outside the house. It includes a host of items like handbags, mobile phones, tablets and more of such handy yet costly things. For insuring the items that you frequently take outside the home, you need to pay extra premiums and the amount should be confirmed with the insurance provider.
Legal expenses: This add-on covers the charges required for making legal proceedings for property disputes, personal injury, employment disputes and the likes. Some of the providers offer it as a standard part of home insurance. However, many may charge additional fees for it.
Downloads insurance: This cover makes pay outs for loss or theft of any kind of digital content from your phone, laptop, home entertainment system, MP3 or tablet. It pays off for music, games, ringtones, software applications and computer programs. For this extra cover, your insurance provider would charge a considerable amount of extra money.
Charges for policy changes: Many insurers would charge extra for making small or big changes to your home insurance policy. However, it is at the discretion of the provider. They may or may not charge these fees. You would be charged extra for adjustments, cancellation of the policy, duplicate documents, credit card fee and switching. Check with your insurer about the policy changes before taking out the policy.
To sum up, do check with your insurer about the add-ons and how much they are charging extra as premiums or fees for these extra services in your home insurance cover.
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