Performance Direct home insurance

Buildings insurance generally protects the structure and fixings of your home against sudden unexpected damage. This means you could be covered for repairs or rebuilding your home if your roof, walls, floors or permanent fixtures are damaged.

So, what sort of damage does buildings insurance cover? It generally protects you against damage from a flood, extreme weather or unexpected events such as fire, theft and vandalism.

What you have included in your home insurance policy can vary as Performance Direct is an insurance broker. Depending on what policy you choose, you could also be covered for:

• Subsidence insurance
• Alternative accommodation cover
• Theft of house keys
• Trace and access leaks
• If damage is caused by the emergency services accessing your home

Home insurance policies generally outline the cover you can expect to receive as standard. There are some common exclusions regardless of insurer, but you do have the option to upgrade your policy with a number of extra benefits.

While some policies through Performance Direct may throw these in as a bonus extra, you'll usually have to pay a bit more to add them on.

Here are some of the most popular optional extras available through Performance Direct:

Legal cover: Can offer you protection against expensive legal costs if you need to make a personal injury claim or a contractual, property or employment dispute.

Home emergency cover: Some issues require immediate attention, such as an issue with central heating, for example. This type of cover can protect you against costly emergency call-outs and repairs.

Gadget cover: Can cover the cost of repairing or replacing electronic items if they're stolen, damaged or lost. Think about devices such as laptops, phones or tablets.

Bicycle cover: If you're a keen cyclist, it could be worth considering specialist cover for your bike! Policies can typically cover you for theft, accidental damage and malicious damage.