Accidental Damage Home Insurance

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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
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
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5 Star home insurance from just £99, and 25% online discount for new customers *
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Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
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Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
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*T&Cs apply

Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
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Save up to 20% online
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John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
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Get 35% off when you buy online*
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Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
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Escape of water cover as standard. Churchill wont just cover the costs of finding the leak but also sort the damage it causes*. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
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Churchill Home Insurance

*Buildings cover required. Policy limits and £450 Escape of Water excess apply. Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
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ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
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Get a quote and enjoy a free Costa Coffee with Age Co Home Insurance (Ts & Cs apply)
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Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
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Saga 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.

Compare Over 40+ Home Insurers

  • One short form to complete
  • Compare UK home & contents providers
  • Find a policy to suit your needs!

Get Home Insurance Quotes »