Buildings accidental damage
May cover damage to fixed parts of your home such as walls, doors or fittings. Exact cover varies by policy wording.
Home Insurance Guide
What is accidental damage cover?
Accidental damage cover is an optional add-on in many home and contents policies. It may protect against sudden, unexpected damage — but not everything is included.
- ✔ What it usually covers
- ✔ Common exclusions
- ✔ When it might be worth adding
In simple terms
Accidental damage usually refers to one-off events that aren’t intentional — for example spilling paint on a carpet or damaging a wall while moving furniture.
- Often optional rather than standard
- May apply separately to buildings and contents
- An excess normally applies to claims
Buildings vs contents accidental damage
Contents accidental damage
May cover accidental damage to belongings like TVs, laptops or furniture, often subject to limits.
Combined policies
Some insurers bundle accidental damage into higher-tier policies — others offer it as an add-on.
What it may include (examples)
- Spills or stains on carpets or furniture
- Damage caused while DIY or moving items
- Broken TVs or screens (depending on policy)
- Damage to fitted kitchen units
Common exclusions to check
Wear and tear
Gradual deterioration usually isn’t covered.
Maintenance issues
Problems caused by poor upkeep may be excluded.
High-value items
Items above a certain value may need to be specified.
High-value items guide →Excess levels
Even with cover, you normally pay an excess when claiming.
Excess explained →When accidental damage might be worth considering
Situations people often consider it
- Homes with children or pets
- Expensive tech or furniture
- Frequent DIY or renovations
- Rental properties (check landlord/tenant responsibilities)
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