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Home Insurance Additional Cover Options. Click here to get a FREE quote

Additional Cover Options

Home insurance is underwritten by Royal & Sun Alliance Insurance Ltd ("RSA"). In addition to their standard buildings and contents cover, you can also choose to select additional cover options based on your personal needs.

You can add the Accidental Damage Option to your core buildings and/or contents cover.

This option covers damages to your home and/or your contents as a result of an accident (e.g. someone accidentally kicking a ball through a window and smashing the glass or if you accidentally spill paint on your carpet).

It does not cover general wear and tear.

You can add the Personal Items Option to your core contents cover.

From your glasses to cash, jewellery to your pedal cycle, make sure you have enough cover for all your personal items when you take them out of the home.

If you choose to add Personal Items Option, you will have cover for these items when you take them outside of your home. You will also be covered for accidental damage, loss and misplacement not only in your home but anywhere in the world for up to 60 days.

You can add the Technology and Entertainment Option to your core contents cover.

If you have technology and entertainment items like mobile phones, cameras, laptops and musical instruments, make sure they are covered against accidental damage and loss outside the home.

If you choose to add Technology and Entertainment Items Option, you will have cover for these items when you take them outside of your home. You will also be covered for accidental damage, loss and misplacement not only in your home but anywhere in the world for up to 60 days.

You can add the Garden Option to your core contents cover.

Cover your plants, garden furniture, lawns and tools. RSA will even re-landscape your garden should emergency services ever damage it.

You can add the Home Emergency Option to your core buildings and/or contents cover.

Get access to advice and help with the cost of home emergency assistance, which if not dealt with immediately upon discovery will make the home unsafe or insecure for you. For example, when you lose the main source of heating, water or electricity to your home.

RSA will arrange for an authorised tradesman to carry out temporary or permanent repairs to prevent further damage to your home or its contents, covering you for up to £500.

If your home is uninhabitable, they will even cover alternative accommodation for you and your family.

You can add the Legal Expenses Option to your core buildings and/or contents cover.

This will give you access to a wide range of solutions including professional mediation concerning personal injury, consumer protection, residential, employment and tax issues.

If you or your family need legal advice on any personal or domestic matter or are unsure of the best way forward, you can call RSA's free legal helpline at any time of the day or night. This option will cover for up to £50,000 towards legal expenses.

Unsure about anything? Just contact us below or call 01538 384151