What is accidental damage cover on home insurance?
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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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance
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