The following can be added to your standard home insurance policy to give it some extra security. You can ask your insurance provider for these features or inquire if they have any special features of their own that you might be interested in.

• Loss of rent or alternative accommodation

Most building owners make their money by renting out their properties. Not all tenants are good with the property, though. Some might leave it so damaged that the owner will face a loss of rent till they can get it fixed to be rented out again. For these circumstances, Loss of Rent and Alternative Accommodation cover helps you recover any monetary loss you might face.

• Sale of home

If you are selling your house, the Sale of Home feature will cover any damage to the property in the transitional period until the sale is complete.

• Contents in transit

This is an excellent add-on if you're a tenant. It ensures that your home content and personal belongings are covered against damage or total loss during a move. If you move frequently or expect to within the year of the insurance coverage, it is best to have this feature.