Running a home, looking after the kids and juggling a busy career can be a finely- tuned balancing act. Here at Policy Expert, we understand that you have better things to do than hunt for the perfect home insurance policy; we know you need cover to protect forgetful teenagers, boisterous toddlers and the demands of a busy lifestyle. So, if you’re looking for a policy that covers the ever-changing needs of your family, we can help!
Accidental Damage
We know accidents happen and some accidents can be expensive to fix. Make sure your policy covers you for accidental damage so you can replace items that have been damaged or destroyed by inquisitive kids, crazy cats or demented dogs. Of course, every policy is different and you need to read the policy documents carefully to make sure you know exactly what you're covered for. You can always extend the accidental damage cover on your home (which is recommended if yours is a particularly hectic household!) although this may increase your annual premium. As always, check with your provider for full details on your cover.
Student Cover
If your kids are fleeing the nest and starting independent life at university, make sure they’re protected. Some providers will cover dependents' property when temporarily away from their main residence. There may be restrictions to this and, as always, you should check the specifics with your insurer. Rather than rely on your kids to arrange their own cover, check your policy first – it could be cheaper to extend your home contents policy instead of them footing a potentially expensive bill for dedicated student cover.
Gadget Cover
If you’ve got kids then chances are you’ve got a plethora of portable appliances to keep them entertained. From MP3 players to cameras, smart phones to games consoles, these items are easy to lose or damage when you’re home or on the move. Make sure these items are covered when taken away from your property and also look for added features such as 24-hour replacement and worldwide protection.
Family Legal Protection
Family Legal Protection is an optional feature that offers legal cover and advice if you or any member of your family ever has to deal with employment issues, personal injury claims, property disputes or contractual negotiations. Many providers offer a 24-hour telephone helpline as well as a fixed amount of cover to help with legal costs.
Make sure your whole family is protected with the right amount of cover.
Read more in our comprehensive home insurance guides, or get a quote now