Most insurance policies offer additional areas of home insurance protection, such as Accidental Damage and Legal Expenses.

These areas of cover may be included as standard within the basic policy and hence will be reflected in the cost of the policy.

However, other insurance policies may offer these areas as optional, therefore allowing you to choose whether you require these additional areas of protection or not.

Deciding whether you want this extra protection is purely a matter of preference - do you want the extra piece of mind or would you rather keep your insurance premium as low as possible?