Home insurance providers are willing to cover you for a range of special circumstances. Some of these will be included in a standard policy, but others will require you to pay an additional premium. If you think you need extra cover, you should discuss your requirements with your insurer, since the terms and conditions of protection will differ between insurance providers and policies.
Typically, certain special circumstances will automatically be covered by your home insurance policy. For example, you are usually covered if a visitor to your home accidentally dies or is injured as a direct result of an incident within your property. You are also protected if their personal property is damaged, lost or stolen. Naturally however, it is always important to check the exact terms and conditions of your policy, because insurance providers will differ in terms of the cover they provide for third parties.
There are a number of special circumstances that a home insurance policy could cover. These include:
> Landlord (Buy-To-Let) Insurance
