What is accidental damage on home insurance?

This cover protects you against things you might do by accident. Common claims on buildings insurance are for broken windows, spilt paint / drinks on carpets, foot through loft floor and dropped hammers in ceramic sinks. Content insurance accidental damage claims are commonly made for drinks spilled on fabrics and knocked over TVs.

Cover is normally automatically included for TVs, Videos and stereo equipment on your contents insurance policy. On your buildings insurance, windows, sanitary ware and underground pipes (useful for adventurous gardeners!) are normally included free.

You can then extend both buildings and contents to cover all items against accidental damage. Be warned most home insurance companies exclude pet claims completely.