Accidental
Damage
Cover
What is Accidental Damage Cover?
Accidental Damage Cover is an optional add-on to your home insurance policy that protects against unintentional damage caused by sudden accidents—like spilling paint on the carpet, smashing a TV, or cracking a bathroom sink.
It’s ideal for families, homeowners, and DIY enthusiasts who want extra peace of mind beyond standard home insurance protection.
Who Needs Accidental Damage Cover?
If you want to be covered for the unexpected, this type of insurance is worth considering. It’s particularly valuable for:
- Busy households – Where life’s chaos can lead to accidental spills or breakages.
- Families with children – Cover for unplanned mishaps like a cracked TV or juice on the sofa.
- DIYers – Protection if a project goes wrong and causes damage to your home.
- Pet owners – Cover for accidents caused by curious paws or wagging tails.
Why is Accidental Damage Cover Important?
Standard home insurance doesn’t always cover accidents. Without this additional protection, you could be left to pay out of pocket for costly repairs or replacements caused by mishaps.
Common types of accidental damage include:
- Spilled drinks on carpets or electronics
- Broken windows or mirrors
- TVs knocked over
- DIY accidents, like drilled pipes or damaged walls
What’s Typically Covered?
Accidental Damage Cover can apply to both buildings and contents, depending on your policy. Examples include:
- Buildings Cover – Structural damage from DIY accidents or dropped items.
- Contents Cover – Cover for items like TVs, laptops, sofas, and carpets damaged by accident.
What’s Not Covered?
- General wear and tear or deterioration over time.
- Damage caused deliberately or through negligence.
- Pet damage (unless specifically included in your policy).
- Damage while the home is left unoccupied beyond policy limits.
Additional Cover You May Need
To build a more complete safety net around your home, you may also want to consider:
- Home Emergency Cover – For sudden issues like boiler breakdowns or leaks.
- Personal Possessions Cover – Protect items taken outside the home, like phones and jewellery.
- Family Legal Protection – Help with legal costs from home-related disputes or claims.
Add peace of mind to your policy
Insurably makes it easy to compare home insurance quotes with accidental damage included—giving you clarity, confidence, and cover that actually fits your life.
Start your quote today and make sure those small accidents don’t become big expenses.
For life’s little mishaps.
- Local team, no call centres.
- Friendly, expert guidance.
- Clear and simple cover—no jargon.
What does Accidental Damage Cover include?
What's Covered?
What's Not Covered?
Understanding what home insurance cover you actually need can be confusing—especially with so many options available. Insurably® focuses on clear, honest guidance to help you choose the right level of protection for your situation, without the pressure of a hard sell.
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Frequently Asked Questions
- Spills on carpets or furniture.
- Accidentally broken windows, TVs, or mirrors.
- DIY mishaps, like drilled pipes or damaged fittings.
- Dropped items causing damage to floors or worktops.
- General wear and tear or gradual deterioration.
- Deliberate or malicious damage.
- Pet-related damage (unless specified).
- Damage due to poor maintenance or neglect.