ACCIDENTAL DAMAGE
The definition of accidental damage is pretty uniform across home insurance policies: damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman’s terms, that usually means an unintentional one-off incident that harms your property or its contents.
What is not usually covered by accidental damage insurance?
Accidental damage insurance protects against genuine accidents, but which specific incidents are included will vary from one insurer to another. There are a few things that are not usually covered by accidental damage insurance, such as:
– Damage to contents
– Damage caused by pets
– Defective design or workmanship
– Damage to the buildings arising from construction, alteration or repair
– General wear and tear