Accidental Damage Insurance

What is Accidental Damage Insurance?

Accidental damage insurance is additional cover to help protect your property and contents from one-off accidents which involve yourself, your tenants or visitors. For example, someone in your rented accommodation could drill through a water pipe causing a leak, spill paint onto your carpets or throw a ball through your window. With adequate cover behind you, a claim could fund the cost of repairing the damage to its original state without the stress.

What does Accidental Damage Insurance cover?

As hard as we all try to avoid it, everyone makes a blunder from time to time which often impacts our wallets. Depending on the level of cover you take out as a landlord, accidental damage insurance can protect your building and contents from costly, unintentional mistakes. Here are some assets that you could secure under a policy:

Buildings AD Cover	Contents AD Cover
Brickwork, walls and ceilings	Sofas, carpets & tables
Doors, windows and flooring	TVs, electronics / appliances
Drains, pipes and cables	Decoration and ornamental
Baths, showers / toilets	Cupboards, shelves and mirrors
Conservatories and outbuildings

Just to note, you wouldn't be covered for any items damaged intentionally and it's also unlikely that a claim could be pursued if a pet was responsible or it's deemed to be general wear & tear.

Get cover for Accidental Damage Insurance

Accidental damage can sometimes be an afterthought, often when you're scrambling through your policy documents to see if cover has been included. Instead of risking it, we would recommend investing in suitable protection because accidents happens and at the most inconvenient times. Simply speak to an expert about shielding your assets by calling us - we'll be happy to help and run through the options with you.