What’s accidental damage on home insurance?

What’s accidental damage on home insurance?

Accidental damage is defined as sudden and unexpected damage to your property or contents by an outside force. For instance, spilling a drink and staining the carpet, or drilling through a pipe. Accidental damage cover is sometimes included in home insurance, but usually it’s sold as an optional extra.

Can you claim for a broken laptop on house insurance?

To cover a laptop against accidental damage in the home you will need to select Extra Accidental Damage cover. If you would like to be covered away from home you will need to select Personal Belongings cover.

Can I claim for my washing machine on home insurance?

Yes, white goods like washing machines, freezers, and refrigerators are covered by content insurance policies. During unfortunate occurrences like fire, explosion, flood, accidental damage, and theft, all white goods are covered. Nov 29, 2021

Is my fridge covered on home insurance?

Your homeowners insurance policy covers much of your personal property, including large appliances, from specific perils like theft, fire or damage from a storm. This typically includes protection for your refrigerator, which can be a costly appliance to replace or repair if it is damaged.

Can I claim food on my insurance?

Even if spoiled food is covered by your policy, a deductible typically applies to a claim. For example, if you lost $500 worth of food but you have a $500 deductible, you essentially would eat the cost of the spoiled food. Mar 26, 2021