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 This?
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 it 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
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Accidental Damage Cover typically includes:
- Spills and Stains – Cover for wine, paint, or coffee spills on carpets and furniture.
- Breakages – Protection for smashed items like vases, mirrors, or glass tables.
- DIY Mishaps – Cover for accidental damage caused while doing home improvements (check policy limits).
- Electronics Drops – Protection if you accidentally drop a TV, laptop, or tablet.
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
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Accidental Damage cover you for?
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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