Does My Home Insurance Include Accidental Damage?

Accident damage insurance is typically sold as an add-on to a normal homeowner's insurance policy, whether for goods, structures, or both. If it is not included by default, you must select it as an add-on when purchasing your policy.

Coverage levels and exclusions may vary per policy. Check the policy's language carefully before purchasing to ensure that it provides the necessary coverage. What does unintentional damage insurance cover?

Accidental damage insurance covers a range of disasters, such as accidentally kicking a football through a window or pouring red wine on a sofa. Certain kinds of incidental damage are covered by buildings insurance, while others are covered by contents insurance.

Buildings Insurance Accidental Damage

This policy covers unintentional damage to your home's structure and permanent fixtures and fittings. Typical policies include:

• Broken glass in windows, doors, greenhouses, and conservatories
• Accidental holes in walls, ceilings, and flooring
• Deterioration of toilets, sinks, showers, and other bathroom fixtures.
• Breakdown of kitchen units, including integrated appliances
• The destruction of your home's drains, pipes, and cables
• Damaged locks or keys
• Crumbling wall tiles

Contents Insurance Accidental Damage

The accidental damage coverage of your contents insurance protects your personal possessions against mishaps. Typical policies include:

• Damage to your laptop, mobile phone, or tablet at home
• Unintentionally broken televisions and stereo systems cause harm to Furniture, including sofas, tables, and beds.
• Damage to your carpets, such as from red wine or coffee spills
• Broken vases, mirrors, and ornaments
• Deterioration of jewelry and watches
• Moving-related damages caused by a professional contractor
• When you take your belongings outside, they are susceptible to harm (if you have personal possessions covered)

How Much Does Accidental Damage Insurance Cost?

The price of incidental damage insurance depends on the amount of standard coverage you purchase, the worth of your home, and its contents. And if you have previously filed a claim on your homeowner's insurance, insurers may see you as a higher risk and charge you extra.

You could minimize your homeowner's insurance premium by:

• If you can afford it, pay annually rather than in monthly installments to avoid incurring interest charges.
• Boosting the - surplus The excess is the initial payment required for a claim. Your premium will be reduced if you pay a more considerable voluntary lot but only commit to delivering what you can afford.
• Developing a no-claims discount The longer you go without submitting a claim on your homeowner's insurance, the greater the no-claims discount you may accumulate.
• When renewing your house insurance, make a fast comparison to see if you can locate cheaper coverage with the same level of protection.