Accidental Damage Home Insurance

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Buildings Insurance
Unlimited buildings cover to rebuild your home (eligibility criteria applies)
Contents Insurance
From £50,000 up to £150k contents cover (depending on policy)
Special Features
If you're looking for cheap home insurance get a quote with Admiral - you could pay as little as £113 if you insure your home*.
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Admiral Home Insurance

Buildings Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Choose from three levels of cover for Buildings, Contents or both. Tailor your policy with the optional add-ons. Make changes to your policy, without admin fees or hidden charges. When renewing, you won't pay more than a new customer for the same cover
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John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
Award-winning Saga Home 3-year fixed price cover includes valuable extras: Accidental damage cover for mishaps in the home, Personal belongings cover to protect your items when you're away from home, Matching sets cover
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Saga Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
Defaqto 5 Star Rated Home Insurance. 24/7 UK emergency helpline
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Prices from over 55 brands
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Save up to 41%*
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Moneysupermarket Home Insurance Comparison

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
Up To 30% online discount. Comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.
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Up To 30% Off When You Apply Online For New Customers

Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Compare cheap buildings and contents insurance. You could save up to £107*
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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’21). 51% of home insurance customers could save £107.96 on a combined policy
Buildings Insurance
£750,000 million to help rebuild your home
Contents Insurance
Based on what you actually own
Special Features
Amazing home insurance at amazing prices. Buzzvault home insurance is based on what you actually own. This allows us to offer the cover you need at the best price
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Buzzvault Home Insurance

 

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 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.

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.