Accidental Damage
With InsuraHome's Accidental Damage policy add on for Buildings and/or Contents cover, you will be protected should the unexpected arise.
Whilst we all hope that our home won't be damaged, accidentally or not, it is always nice to have peace of mind that should the unexpected happen, you are covered.
With InsuraHome's Accidental Damage policy add on, you have the option to include one or both of Accidental Damage to Buildings and/or Accidental Damage to Contents cover on your policy. However, if you have a contents only Home Insurance policy, you will only be able to purchase Accidental Damage cover for Contents and vice versa.
The Accidental Damage add-on is available on the following policies...
What is and is not Covered on InsuraHome's Accidental Damage Policy Add On?
Accidental Damage to Buildings Cover
Below is a brief explanation of what is and isn't covered on InsuraHome's Accidental Damage to buildings Policy Add On. However, you should always refer to the InsuraHome's Home Insurance Policy wording for full cover limits, terms, conditions and exclusions.
| What is Covered? | What is Not Covered? |
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Accidental Damage to Buildings |
The Excess as shown on your schedule |
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Accidental Damage is defined as: 'Visible damage caused by an event which was unexpected, not intended or designed' |
Loss or damage occurring after your home has been unoccupied for more than 30 days |
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The cost of general maintenance |
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Damage caused by or arising from mechanical or electrical faults or breakdowns |
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Loss or Damage caused by infestation, vermin, corrosion, damp, wet or dry rot, mould, frost, settlement, the buildings moving, shrinking, collapsing, cracking, dampness, extremes of temperature, exposure to light. |
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Damage while your home is being altered, repaired, cleaned, maintained, or extended |
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Damage caused by faulty workmanship or design or the use of defective materials |
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Loss or Damage caused by a paying guest or tenant |
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Loss or Damage to swimming pools, hot tubs, tennis courts, drives, patios, paved terraces, walls, fences, gates, and fuel tanks |
The table above is only a summary of cover. You should always refer to the policy wording for full terms, conditions and exclusions.
Accidental Damage to Contents Cover
Below is a brief explanation of what is and isn't covered on InsuraHome's Accidental Damage to buildings Policy Add On. However, you should always refer to the InsuraHome's Home Insurance Policy wording for full cover limits, terms, conditions and exclusions.
| What is Covered? | What is Not Covered? |
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Accidental Damage to Your Contents within Your Home |
The Excess as shown on your schedule |
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Accidental Damage is defined as: 'Visible damage caused by an event which was unexpected, not intended or designed' |
Loss or damage or any proportion of damage which we specifically exclude elsewhere under the contents section |
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Loss or damage whilst your home is unfurnished |
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Loss or damage if the buildings are lent, let or sub let in whole or in part |
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Loss or damage to contents within garages and outbuildings |
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Money, Credit Cards, Documents, or Stamps |
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Loss or damage to contact, corneal, micro corneal lenses or hearing aids |
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Damage to sports equipment whilst in use or to pedal cycles |
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Damage or deterioration of any article caused by dyeing, cleaning, repair, renovation, or whilst being worked upon |
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Loss or damage caused by chewing, tearing, scratching, or fouling by your pets |
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Loss or damage caused by insects, vermin, corrosion, damp, wet or dry rot, mould or frost |
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Loss or damage arising out of faulty design, workmanship or materials |
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Damage from mechanical or electrical faults or breakdown |
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Damage caused by dampness, extremes of temperature, and exposure to light |
The table above is only a summary of cover. You should always refer to the policy wording for full terms, conditions and exclusions.
How do I get an InsuraHome Home Insurance with Airspace Closure Cover Quote?
It's quick and easy, just select 'Yes' when asked if Accidental Damage is required on your application form!
