Should i add accidental damage to home insurance

Accidental damage cover is an optional extra you can add to your home insurance policy. You may prefer to cover the cost of any accidents or breakages yourself. However, if you can't do that, it's worth considering the benefits.

Is it worth getting accidental damage?

Accidental Damage Cover is usually an add-on to your home insurance policy, but for less than $6^† a month it could be a worthwhile investment. Remember, there'll be excess to pay before you can claim but given how expensive many items in the home can be, Accidental Damage Cover may be worth considering.

What does accidental damage cover on home insurance?

What does Accidental damage cover? Accidental damage can cover the cost of repair to damage that was sudden and not done on purpose. There needs to be a one off, single event that caused the damage to your home or belongings.

What is not covered by accidental damage?

Generally, accidental damage cover doesn't include damage caused by: wear and tear. the gradual deterioration of something with age. wilful or deliberate acts.

What counts as accidental damage?

Accidental damage is defined as sudden and unexpected damage to your property or contents by an outside force. For instance, spilling a drink and staining the carpet, or drilling through a pipe. Accidental damage cover is sometimes included in home insurance, but usually it's sold as an optional extra.