Accidental damage cover

Defend against the unexpected. Avoid the cost of repairing or replacing broken items with accidental damage cover for buildings and contents.

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Contents insurance

What is considered accidental damage?

Accidental damage is meant to protect a person’s insured assets against damage or loss caused by unintentional and unpredictable mistakes, such as spilling coffee on the carpet. It is typically made available as an additional cover option that can be added onto a home insurance policy.

We’ll help if you have an accident at home

As you would expect, Accidental Damage cover is designed for those unexpected mishaps that can affect your building or contents. HomeProtect offer two levels of Accidental Damage home insurance:

A basic level of Accidental Damage can protect you from small misfortunes, such as repairing sanitary ware, underground water supply, glassware and some home electricals.

Whereas Full Accidental Damage is a more comprehensive option that will cover you for incidents like spilling wine on the carpet, or DIY disasters like drilling through a water pipe!

It's a good idea to check that the single item limit on your policy is high enough to cover the replacement cost of your valuable items. A large number of claims are often for laptops that children have spilt drinks on, or iPads that smashed when the dog knocked it off the table, so Accidental Damage insurance can be particularly helpful if you have children or pets.


Add Accidental Damage cover to your home insurance policy

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Accidental damage cover

Cover Levels Basic Upgrade
Cost per month Included within your home insurance premium* Varies - depending on property type
Access to a free 24/7 helpline Yes Yes
Sanitary ware Yes Yes
Fixed glass and double glazing Yes Yes
Underground water supply, sewers Yes Yes
Gas pipes and cables Yes Yes
Televisions, radios, DVD players Yes Yes
Spillages on carpets No Yes
Damage to furniture items No Yes
DIY disasters No Yes

*Accidental Damage cover is not generally available for let or sub-let properties, and is not available for contents on a landlords policy.

 Delve into the detail

  • What’s covered, what’s not.
  • How to purchase.
  • How to claim.
  • What excesses will I have to pay?

Download the cover options booklet