What is accidental damage cover on home insurance?
Accidental damage cover pays for sudden, one-off, unintentional damage to your home or belongings — the kind of everyday mishap a standard policy won’t cover. Think a foot through the ceiling, a dropped TV, or spilled paint on the carpet.
On most Australian policies it’s an optional add-on rather than a standard inclusion, so it’s worth understanding exactly what it adds before deciding.
Typically covered
- •Sudden, accidental physical damage to building or contents (e.g. putting a foot through the ceiling)
- •Accidentally breaking a fixed glass item, like a window or cooktop
- •Dropping or knocking over an insured item
- •Accidental spills and stains on carpets or furniture (where covered)
Typically not covered
- •Deliberate or intentional damage
- •Gradual damage, wear and tear, or poor maintenance
- •Mechanical or electrical breakdown
- •Damage from a pet or pest
How it works in Australia
Accidental damage is usually offered as an optional extra on both building and contents. Limits, excesses and exclusions vary widely between insurers — some bundle a basic level in, others charge for it — so compare what each policy actually includes rather than assuming.
General information only — cover, limits and exclusions vary by insurer. Always read the Product Disclosure Statement (PDS) before deciding.
Frequently asked
Is accidental damage included as standard?+
Usually not. Most Australian home and contents policies offer it as an optional add-on. Check whether your quote includes it or charges extra.
Does accidental damage cover a cracked phone screen?+
Portable items like phones are typically covered under optional "portable contents"/personal effects cover rather than home accidental damage. Check the relevant section of the PDS.