Accidents can happen to anyone, and when they do, they can be costly. Whether it’s a broken window, a damaged wall, or a destroyed piece of furniture, accidental damage can be a significant expense. But is accidental damage covered by home insurance? In this blog, we’ll explore the answer to this question and provide you with valuable insights and advice on how to navigate the process.

What is Accidental Damage?

Accidental damage refers to unexpected and unintended damage to your home or its contents. This can include things like:

  • Broken Windows: If you accidentally break a window while cleaning or playing sports, you may be covered for the cost of replacement.
  • Damaged Walls: If you accidentally damage a wall while moving furniture or hanging a picture, you may be covered for the cost of repair.
  • Destroyed Furniture: If you accidentally destroy a piece of furniture while moving or cleaning, you may be covered for the cost of replacement.

Is Accidental Damage Covered by Home Insurance?

The answer to this question depends on the type of home insurance policy you have. Some policies may cover accidental damage, while others may not.

  • Standard Policies: Most standard home insurance policies do not cover accidental damage. These policies typically only cover damage caused by specific perils, such as fire, theft, or natural disasters.
  • Accidental Damage Policies: Some home insurance policies specifically cover accidental damage. These policies may be more expensive than standard policies, but they can provide valuable protection against unexpected events.
  • Riders and Endorsements: You may be able to add a rider or endorsement to your standard policy to cover accidental damage. This can provide additional protection without having to purchase a separate policy.

New Ideas and Advice

Here are some new ideas and advice on accidental damage and home insurance:

  • Read Your Policy: Take the time to read your home insurance policy carefully to understand what is covered and what is not.
  • Consider Additional Coverage: If you’re concerned about accidental damage, consider adding a rider or endorsement to your policy to cover unexpected events.
  • Take Preventative Measures: Take steps to prevent accidental damage from occurring in the first place. This can include things like installing safety features, such as security cameras and alarm systems, and taking care when moving or cleaning.
  • Keep Records: Keep detailed records of any accidental damage, including photos, videos, and receipts for repairs or replacement.


Accidental damage can be a significant expense, but it doesn’t have to break the bank. By understanding what is covered by your home insurance policy and taking steps to prevent accidental damage, you can protect your home and your finances. Remember to read your policy carefully, consider additional coverage, take preventative measures, and keep records of any accidental damage. With the right approach, you can minimize the impact of accidental damage and keep your home safe and secure.