text: Sorry to hear of your problems with Insurance.\n\nMost UK policies will provide cover for damage caused by escape of water (eg a leak).\n\nThe Insurance will pay for the cost to repair the damaged caused by the leak (eg water damage to carpet etc) - It will not repair the leak itself.\n\nThis would be the same situation with Liverpool Victoria.\n\nThe same applies to your fridge breakdown - Your home Insurance policy will pay to replace the damaged food caused by the breakdowm, but it will not replace or repair the fridge.\n\nThere are seperate Insurance policies available to cover the breakdown of white goods in your home (eg, fridge, freezer, washing machine etc), but these are expensive and will only provide cover if the items are less that 2 or 3 years old - This means the more your need it (because your white goods are getting older and more likely to brekadown), the less likely they will insure you.\n\nI'm not sure you will get any insurance to cover you for the cost of repairing a leak - try you Water Company, as sometimes they have a policy which will pay for one of their engineers to come out and fix the problem - but I think it is expensive for what you get.\n\nWith regards to the best Home Insurance company in the UK, I suggest you speak to a local Insurance Broker - Cheap isn't always the best.  I would recommend you make sure any quotation includes Accidental Damage as a minimum.  You may also want to opt for cover outside your home (eg jewellery, bikes, camera equipment etc) - but this will cost extra.\n\nGood luck with your search.....