Accidental Damage Home Insurance

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accidental damage home insurance

Accidental damage home insurance protects you against any non-deliberate or unexpected accidents that may occur in your house. Some buildings and contents home insurance policies will also include accidental damage that occurs on other parts of your property as well (e.g. garden and garage.)


See the tables below to compare a wide range of different deals to make sure you find the right accidental damage home insurance cover for you, at the best price:

Compare - Home and Contents Insurance Quotes
Provided via:Total Number of InsurersContents InsuranceBuilding InsuranceLandlord & Tenant InsuranceGet Quotes
40+YesYesYesGet Quotes >
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

There is a difference between buildings and contents insurance and it is important to establish the difference between them first:


  • Buildings insurance will be required if you have a mortgage, to protect and secure your property. Most adequate buildings insurance policies will cover your house in the case that it becomes badly damaged and needs rebuilding. You are covered from uncontrollable damage, from events such as storms, floods, explosions, major fire damage or third party vandalism.


  • Contents insurance protects all items within your house (e.g. TVs, jewellery and appliances.)There are two policies, one is ‘indemnity’ in which you will receive a pay out that reflects the state and age of the damaged item. The other is the ‘old for new’ policy and for a little extra cost, will replace your items for newer versions if they are damaged or stolen.


Accidental damage home insurance can either be a part of your buildings or contents insurance policy or for fully comprehensive cover you can extend your cover to both.


If you make an accidental damage claim on you buildings insurance, you will most likely be covered for things such as broken windows, damage to tiles and ceramics, putting your foot through the attic floor, damage to underground drains etc. With contents insurance, most claims made are for spilt drinks, damaged upholstery, knocked over appliances and broken glass and mirrors.


Remember that most insurance policies will not cover any damage caused by pets. Check your buildings and contents insurance as you may already have accidental damage cover.