What’s excluded from accidental damage insurance?
Generally, your accidental damage home insurance won’t cover you for animal-related accidents. If your pet chews, scratches or tears your items, it’s unlikely that you’ll be able to make a claim. Many insurance providers also won’t cover damage that’s caused by insects, vermin or infestation. You should also be aware that if you have any work done on your house and it goes horribly wrong, you may not be able to make a claim if the work was completed by an amateur. However, common accidents are covered so if you’ve burst a water pipe with an ill-placed nail, you’ll be able to claim whether you’re an amateur or skilled professional.
When you take out accidental damage cover, make sure you read the terms and conditions thoroughly so you know exactly what is and isn’t covered if you need to make a claim.