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We define accidental damage as a sudden, unexpected, and unforeseen event that results in physical damage. The damage must be caused by you, your guests, domestic staff, a third party (excluding contractors) or wild animals. Accidental damage cover is optional, and there are two levels of cover – basic and full – under both buildings and contents.

There is no cover under Homeprotect home insurance policies for pet damage caused to buildings or contents. Pets are defined as ‘domestic animals kept for companionship, excluding dangerous dogs defined in the dangerous dogs act (1991)’.

Full Accidental Damage cover for contents provides a comprehensive level of cover and is designed to protect your household possessions from accidental damage within the home caused by you, your guests, third parties (excluding contractors) or wild animals (excluding vermin).