Accidental damage home insurance

Adding accidental damage to your home insurance

By on

Accidental damage cover is often added to standard home insurance policies as additional protection, so you might need to opt-in to keep your home protected.

A tablet with coffee spilled over it

What is accidental damage home insurance?

Accidental damage home insurance can help keep your building and contents protected against any unplanned or unintentional damage.

It’s often added to standard home insurance policies as additional protection, so you might need to opt-in to keep your home protected.

What does accidental damage home insurance cover?

You can choose to have accidental damage cover for a building, the contents inside or both.

For example, a renter would only need accidental damage protection for their contents when living in a rental property, but a landlord might need accidental damage cover for the building and the contents - depending on what fittings and fixtures are included in the tenancy agreement.

And as a homeowner, you’d probably want to add accidental damage cover to both your building and content policies, if you decided to add this level of cover. 

Accidental damage insurance for buildings: can help to keep the physical structure of your home protected and could offer financial cover for things like:

  • Broken glass windows and other fixed external glass
  • Accidental damage to toilet basins, sinks and other bathroom fitting products
  • Damaged drains, pipes, cables and tanks connected to your home
  • Cracked wall tiles
  • Damaged kitchen units, including accidental damage to built-in appliances like ovens
  • Any unintentional hole made in a wall
  • Flood, fire, storm and other water damage
  • Collision damage – from a car, a tree and other forces – to the building

Most home insurance providers will have clauses written into their standard policy documents which say that they might not offer accidental damage cover for your building for things like:

  • Damage caused by light or atmospheric conditions
  • Damage that’s caused by mechanical or electrical faults or breakdowns
  • Accidents that happen when your home’s unoccupied
  • Frost damage
  • Chemical damage
  • Gradual wear and tear that naturally happens to your home
  • Damage to any walls, doors and other fixtures caused by pets

Accidental damage insurance for contents: can help to protect the physical items that you purchase and keep inside your home and could offer financial cover for things like:

  • Accidental damage to your laptop
  • A TV that’s been physically broken
  • Accidental damage to your mobile phone or smartwatch at home
  • Damage to your home furniture, including sofas and mattresses
  • Spilling red wine on the carpet

Most home insurance providers will have clauses written into their standard policy documents which say they might not offer accidental damage cover for contents for things like:

  • Bicycles
  • Money
  • Clothes
  • Documents and certificates
  • Contact lenses
  • Food and drink
  • Any accidental contents damage that happens while the home is unoccupied
  • Damage to sports equipment that happens while you’re using it
  • Damage caused by light or atmospheric conditions
  • Frost damage
  • Contents damage that’s caused by mechanical or electrical faults or breakdowns
  • Damage caused by computer viruses
  • Damage to any sofas, carpets and other contents caused by pets

Enhanced accidental damage cover

Some home insurance providers might offer an enhanced accidental damage cover policy that would pay out to help you cover the cost of accidental damage repairs to things like pet-damaged sofas.

So you’ll need to make sure you know whether or not you think the risk is great enough that you need to enhance your accidental damage cover to keep all your valuable contents protected.  

Is accidental damage cover worth it?

Because you often need to opt-in to add accidental damage cover to your home and contents insurance, this will often make your policy more expensive than standard policies - so you’ll need to assess the risk to your building and contents and decide whether or not it’s worth paying extra for peace of mind.

Accidental damage cover is one of the most common incidents consumers list when searching for a home insurance quote.

A graph showing the most common previous home insurance claims people have listed when looking to take out a new quote

A graph showing the most common previous home insurance claims people have listed when looking to take out a new quote, according to MoneySuperMarket data from January – June 2018.

Comparing accidental damage insurance quotes

It’s easy to compare the cost of home and contents insurance policies - both with and without accidental damage cover - with MoneySuperMarket’s home insurance comparison tool.

Sort the results by changing the drop-down options from the paragraph at the top to only show “including accidental damage cover”, and you’ll be able to see how well each policy will cover you for accidental protection to both your building and contents.

You can also change the filter view at the top to only show policies offering accidental damage coverage for contents or only for buildings, depending on your needs.

In the results view you can then sort by provider, annual price and excess fees to help find the right accidental damage home insurance policy for you.

And if you’re looking for protection for accidental damage caused by pets, you’ll want to see whether the standard policy will cover you or if there’s an option for extended accidental damage cover to keep your home and contents protected.

Did you find this helpful? Why not share this article?

Our top home insurance articles

  

View all articles >

Popular home insurance guides

  

View all guides >

counter