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Does home contents insurance cover accidental damage?
I’m a first time homeowner. My lender requires home insurance, so I have a policy that covers my home and contents. However, I’m not really sure it's covered for. Will my home contents insurance cover accidental damage?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on purchasing your first home! There’s a lot to learn as a first-time homeowner, and home insurance can be overwhelming. A standard home insurance policy includes coverage for your home’s contents and will cover accidental damage from covered perils.
Most insurance policies will list home contents coverage as personal property coverage or Coverage C. With this coverage, your personal property has protection from damage resulting from the
covered perils
in your policy. While the damage must be accidental, it doesn’t mean it covers all types.For example, if you drop your laptop and break the screen, you couldn’t submit a claim to your insurance. While the damage was accidental, it was your fault, meaning your personal property insurance wouldn’t apply.
However, if a home accidentally and unexpectedly bursts due to a fire or freezing and damages your laptop, you would have coverage.
If you’d like to learn more about your home insurance policy, you can review your policy’s terms and conditions or contact your provider. An agent can explain what your policy covers, including any accidental damage protection you may have.
Since you’re taking the time to review your policy, now is a great time to ensure you’re getting the lowest rate with
Jerry
. Jerry is the easiest and most effective way to find a home insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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