Accidental Damage can extend Home Insurance to certain sudden, unforeseen and unintended damage that may not fall within the standard listed insured events.

Standard Home Insurance generally responds to specified insured events such as fire, storm, theft and escape of liquid. Accidental Damage can provide broader protection for eligible unexpected accidents.

What is an accidental damage event? #

It generally involves damage that is:

• Sudden.
• Unforeseen.
• Unintended.

The precise definition depends on the policy.

What are some examples? #

Depending on the insurer and cover selected, examples could include accidentally:

• Damaging a television.
• Breaking furniture.
• Damaging a benchtop.
• Spilling something that damages insured contents.
• Causing other sudden accidental damage at home.

Is Accidental Damage automatically included? #

Not always.

Many insurers offer it as an optional upgrade rather than standard cover.

Does it cover wear and tear? #

No.

Accidental Damage is not intended to cover:

• Gradual deterioration.
• Wear and tear.
• Maintenance.
• Existing defects.
• Deliberate damage.

Does Accidental Damage cover belongings away from home? #

Not necessarily.

Accidental Damage at the insured home and Portable Contents cover away from the home are different benefits.