The availability and cost of extra covers vary from insurer to insurer and policy to policy. Some policies may include some of the following covers as standard.
An optional cover providing extra protection for damage to the building caused by household accidents which may not be covered under standard cover.

An example may be losing balance and accidentally putting your through the loft floor. TOP
 
With more and more people spending much more time and money improving their gardens, some policies now allow you increase the cover for your garden for an additional premium. This can be in the form of increased cover for Contents in the garden and the cost of landscaping following damage by fire, theft or malicious damage. TOP