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Should I get accidental damage home insurance?
I’m looking to save some money on my home insurance, but I’m not sure what I can safely cut out. Do I need accidental damage protection, or can I skip that?
Matt Terzi · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your kid is out in the yard kicking their soccer ball around with some neighborhood friends. Suddenly you watch the ball smash through your living room window, right into your brand new TV. Ouch!
Accidental damage coverage protects you financially from accidental damages around the house. If you have children, pets, or clumsy friends, it’s definitely worth the money.
There are two types of accidental coverage to consider.
The first is home contents insurance, which covers items inside your home, like replacing an accidentally damaged TV or computer, ruined furniture, or a bit of carpet due to spilled wine or pet stains.
Then there’s buildings insurance, which is meant for more structural elements. This insurance covers things like broken windows, falling light fixtures or ceiling fans, or plumbing catastrophes.
Accidental damage insurance does cost a bit more, but it’s valuable long-term and can save the day when accidents pop up. You can offset the price by
bundling your home and auto insurance
, too.Speaking of auto insurance, did you know the
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app can potentially save you hundreds of dollars per year on car insurance? Jerry users are saving an average of $887 per year; so yes, it’s possible.View full answer
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