Accidental damage covers accidents that result in damage to or loss of something. For example, a spillage on your carpet or your TV is dropped. Accidental damage to buildings is included as standard on owner occupier Home Insurance while accidental damage cover for contents is an optional extra.
Short AnswerAccidental damage covers accidents that result in damage to or loss of something. For example, a spillage on your carpet or your TV is dropped. Accidental damage to buildings is included as standard on owner occupier Home Insurance while accidental damage cover for contents is an optional extra.