Before you decide to buy contents insurance with accidental damage cover, make sure that you are not already covered on your contents insurance policy. Read the policy carefully as some insurers will already provide adequate cover.
Accidental damage will often cover things such as:
- Carpets (e.g. if drinks have been spilled etc)
- TVs and Stereos
- DIY mishaps
There are certain things that most insurers across the board will not pay accidental damage for. These include:
- Pets and vermin
- Damage caused by a tenant paying rent
- Poor workmanship or faulty models
If you feel that you could benefit from contents insurance with accidental cover, then there are a variety of companies out there that could help.