Home Insurance Optional Extras

As well as protecting your household contents up to £100,000 as standard, you can also add on a whole range of optional extras to your Home Insurance. This includes home contents and home buildings upgrade cover, and our Home Emergency upgrade. Watch our Home Emergency video to find out more.

Find out if Home Emergency Cover is right for you.

Start your quote Retrieve your quote

Buildings upgrade

When you select our buildings insurance upgrade cover you can rest assured you’ll be protected by cover that’s been awarded 5 stars by Defaqto, an independent researcher. Our upgrade cover includes £5,000 trace and access cover, to help you trace the root cause of water leaks, as well as increased alternative accommodation cover to £100,000 should your home become uninhabitable. Find out more about Buildings Insurance.

Contents upgrade

Choose the Contents Insurance upgrade and you'll get £2,000 contents in your garden cover, £11,250 for contents temporarily removed from your home, £7,500 Christmas Cover (one month before and after), £500 Locks and Keys Cover and £15,000 Tenants Liability Cover. Find out more about Contents Insurance.

Extra protection for your valuables

Why not add our personal possessions cover or personal money cover to your policy, for items you take out of the home?   This can protect your high-risk items such as electronic equipment and jewellery, for additional peace of mind.

Extra protection for your home

Choose to add our Accidental Damage protection optional extra for those ‘Oops!’ moments!  When you select this option for your buildings cover we’ll cover accidental breakage of drains and pipes, windows, baths and toilets.  With contents Accidental Damage cover you'll benefit from extra protection for your carpets, furniture, TVs and computer equipment.

Home emergency cover

For those ‘help!’ moments….it’s good to know that we’ll provide up to £200 cover as standard to help make things better.  Our 24/7 freephone helpline is always there for you, and will arrange for one of our recommended tradespeople to come to your aid. We offer the option to upgrade this cover up to £1,000.

Bicycle protection for you and your family

One of our fantastic added extras is the option to insure your family’s bikes against loss or damage. You can insure your bikes up to £1,500 per bicycle (or up to £2,500 when you call us) in the UK and worldwide – up to a limit of 60 days.

Legal services

Ever needed legal help, but didn’t know where to turn? MORE TH>N Legal Services provide you and your family with up to £50,000 legal expenses cover for disputes in relation to personal injury, consumer protection, residential matters and tax related issues. Also, you'll have access to over 150 legal documents which can be reviewed by qualified legal experts. Find out about MORE TH>N Legal Services.

More For Our Customers

MORE TH>N - News and Information

MORE TH>N brings you all the news and information about what we cover, what we do and what that means for you, including flood advice.

Customer loyalty discount

You already trust us with your insurance, so we want to thank you by offering you a great deal on other selected insurance products.