Accidental damage insurance can cover you for those sudden mishaps.
There needs to be a one off, out of the blue, single event that caused the damage to your home, or what’s inside. For example, spilling juice on the carpet or a window smashed by a ball.
It doesn’t include damage that’s due to a lack of upkeep or that happens slowly over time. For example, if your roof leaks because it hasn’t been looked after.
Check your cover to see if Accidental damage is included, as you may need to pay a little more to add it on.
