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 losses caused by household accidents which may not be covered under standard cover.

Examples include spilling paint on a carpet or accidentally knocking over an ornament. TOP
 
Whilst a standard Home Contents insurance policy provides cover against loss or damage to items within the home, cover can be extended to insure personal effects whilst outside of the home. Items which may be insured under this extension include clothing, jewellery, sports equipment, handbags, watches, briefcases, cameras, video cameras and mobile phones.

This cover is also sometimes referred to Personal Belongings, Personal Effects, ‘All Risks’ cover. TOP
 
Protects against loss of personal money and fraudulent use of credit cards. The limit for personal money will vary, but typically ranges from £200 to £500. TOP
 
Protects against loss or damage to pedal cycles. TOP
 
Working from home is becoming more popular and some insurers have adaped their Home Contents Insurance policies to cater for the new breed of homeworkers. TOP