# What is accidental damage cover on home insurance?

> Quick answer · Last updated 4 July 2026

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## In short

Optional cover for sudden accidental damage — spilled paint on carpet, broken window, dropped TV — beyond standard insured perils like fire and flood. Usually an add-on with its own excess.

Standard policies cover defined events; accidental damage fills gaps for clumsy mishaps.

Check exclusions — DIY damage and wear and tear are often excluded.

Compare whether the add-on cost is worth it versus self-insuring small risks.

## Related

- [Compare home insurance](https://moneyguide.org.uk/insurance/compare-home-insurance-guide/)
- [Contents insurance needs](https://moneyguide.org.uk/answers/how-much-contents-insurance-do-i-need/)

## Primary source

abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.