03 March 2016

Unexpected home insurance benefits

Did you know that a home insurance policy could extend beyond the bricks and mortar, with optional extra features covering everything from replacing rotting food to offering you guidance with relationship problems through a confidential counselling service?

A range of perks and services mean you could get benefits from your home insurance premiums, even if you don’t put in a claim for a loss or damage. And help is at hand – whether you need the plumbing fixed or you are looking for information on how to resolve a work dispute.

house

Depending on your cover, Nationwide home insurance customers might be surprised by just how much is covered. From ensuring tradespeople are available for household emergency repairs to putting you in touch with a range of experts to cater for legal crises, Nationwide’s additional options are designed to give you peace of mind. The premiums are: Home emergency for £20.81 (including insurance premium tax) for the full year. Legal assistance for £16.43 (including insurance premium tax) for the full year.

Depending on your cover, Nationwide home insurance customers might be surprised by just how much is covered. From ensuring tradespeople are available for household emergency repairs to putting you in touch with a range of experts to cater for legal crises, Nationwide’s additional options are designed to give you peace of mind. The premiums are: Home emergency for £20.81 (including insurance premium tax) for the full year. Legal assistance for £16.43 (including insurance premium tax) for the full year.

Here are some example crisis situations that could be resolved by putting in a call to your insurer.

1. Wedding meltdown

The day before hosting a painstakingly planned wedding rehearsal dinner for 30, a power cut leaves the contents of Rachel’s new fridge inedible.

A stickler for detail, Rachel knows that her Nationwide home insurance will pay the cost of replacing the food which was lost because of the rise in temperature, because her fridge is less than 10 years’ old. Before her daughter discovers the problem, she makes a quick call to the insurance company helpline and then hurries to the shops to pick up fresh supplies.

2. A sting-free tale

Wasps’ nests could contain thousands, as Stephen discovers while carefully checking his roof. After accidentally dislodging the nest, the majority of the insects fly through an open window and swarm the house.

Because a blocked pipe had previously left his brother with a plumbing emergency on a Friday night, Stephen had opted for 24-hour Home Emergency cover, for an additional premium. This meant that the unwelcome creatures were cleared by the time his young daughter arrived home from school.

3. Music to your ears

John and Sylvia’s son Ed has just started university, taking with him his new laptop holding his treasured music collection. While studying late in his secure halls of residence, he spills his coffee all over his computer. With essay deadlines looming, his parents are keen to replace the laptop. Ed, however, is more concerned about his music.

Because John and Sylvia have Nationwide Home Insurance, their son’s possessions are covered while he temporarily lives away from home. Ed could also replace his music thanks to the policy’s Digital Information feature.

4. Legal eagles

Ross, a graphic designer, believes that he has been dismissed wrongfully, but his shambolic ‘filing system’ means he cannot find his employment contract. With rent and bills mounting up, his panicked Google searches only add to his confusion.

When he eventually resorts to picking up the phone to his parents, Ross’s mother gently reminds him that she persuaded him to take out additional Legal Assistance cover with his home insurance policy, for an additional premium. By this time it’s 11pm, but because the advice is on hand 24/7, he is able to get the advice he needs before returning to the office the next day.

If he needs additional emotional support at this challenging time, Ross has the opportunity to use the confidential counselling service. The service caters for a range of situations, including relationship difficulties, bereavement, stress and anxiety.

Check your policy

Whichever provider your insurance is with, being familiar with your policy’s inclusions and exclusions will help to give you peace of mind.

Check your Nationwide home insurance policy documents today.

Nationwide home insurance policies are underwritten by U K Insurance Limited.

The names, characters and incidents in these examples are all fictitious. Any resemblance to actual persons, living or dead, or actual events is purely coincidental.

Most popular

You may also be interested in...

Our helpful guides

We've created a range of helpful guides to help you make better financial decisions regardless of your circumstances. Find out more about owning property, growing wealth and planning for life events.

Our products

Whether you are after a current account, a savings account or even looking for a mortgage, Nationwide has a range of great products that could help you, no matter the situation.