Accidental Damage Cover for Home Insurance - Admiral (2024)

FAQs

What is accidental damage admiral? ›

Accidental Damage covers the loss or damage of your contents, such as: If you accidentally knocked the TV off its stand. Accidentally dropped or spilt something on a laptop. Accidentally breaking an item of jewelry. Accidentally left straighteners on and burnt the carpet or furniture.

Accidental damage insurance can cover you for those sudden mishaps. There needs to be a one off, out of the blue, single event that caused the damage to your home, or what's inside. For example, spilling juice on the carpet or a window smashed by a ball.

It is a good idea to take out home contents insurance to cover your possessions against fire, theft and other risks, such as accidental damage. If something happens to destroy or damage your possessions, it can cost a lot of money to replace these items.

Admiral was named Best Big Insurance Company at the 2022 Insurance Choice Awards and awarded 'Highly Commended Home Insurance Provider' by Moneyfacts in 2022. Both its Gold and Platinum home buildings policies were given a five-star Defaqto rating in 2024.

Loss or damage caused by a sudden, unintended or unexpected event that is not the result of a deliberate act. Examples include you spilling red wine on a carpet by mistake; or you unintentionally dropping and breaking a fragile item, such as a vase.

Accidental Damage Protection provides protection (i.e., repair or replacement) against accidental damage to the customer's covered product that occurs during the covered period.

Accidents can be costly expenditures, and not everyone has a rainy-day fund ready for use. Accident insurance is worth it if you are looking for extra financial support when an unexpected event happens.

Does accidental damage insurance cover TVs, phones and laptops? Yes. If your gadgets get damaged in your home by accident, we'll cover the cost to repair or replace them.

Accidental Damage covers unintentional damage to the building or its contents. For example, putting a foot through the ceiling whilst in the attic above, or knocking over the TV. Accidental Damage is an optional cover which provides protection for events not covered by the normal perils of fire, flood, theft, etc.

Accidental death insurance, as the name says, is an insurance policy that pays out benefits only if death occurs because of an accident. Types of accidental death that are covered are those caused by road accidents, drowning, fire, electrocution, hijacking and murder.

Does accidental damage increase insurance? ›

At-fault accidents: Accidents you cause will almost always raise your insurance rate. In certain states, however, your insurer may not raise your premium for an accident if the damage is under a certain dollar amount.

A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don't claim in the latest policy year. Even if you have an accident that wasn't your fault – you're hit by an uninsured driver, or your car gets stolen – you could lose your NCB, and your premium could even go up at renewal.

State Farm is the largest home and auto insurance company in North America, capturing 17.79 percent of the home market and 18.31 percent of auto.

On average, claims usually take between six to twelve months to settle, but some cases can settle outside of this timescale. Your case handler will keep you updated with anticipated settlement times throughout the life of your claim with us.

The most common type of homeowners insurance policy is the standard HO-3 policy. HO-5 policies offer the broadest coverage of all policy types. Open peril coverage means losses are covered unless specifically excluded, while named peril coverage means only named loss types are covered.

Typical things that are covered by TV insurance include the following: Accidental damage – Unfortunately accidents happen, and insurers know this. Pets and small children can cause unexpected damages and expensive repair/replacement bills.