Costs, promotions, kinds, and availability could differ. If you want cover for mobiles or laptops, or different gadgets your child normally wears or carries away from your house, or their accommodation, you can add an ‘all-risks’ or ‘unspecified private possessions’ section to your policy. Fail to let your insurer know (and, simply as necessary, your lender!) and any claim on the cover can be invalid since your present house insurance coverage policy won’t be deemed legitimate because you’ve now got tenants in. Insurers will not protect the whole lot in your home just because you’ve bought cover – look out for conditions the place you will need to make particular…