So what is accidental damage insurance on your home buildings insurance policy? Well, accidental damage is when there has been visible damage to insured items which have been caused not on purpose. Cover may differ from one home insurance provider to another.
Accidental damage to buildings covers fixtures, fittings and any part of the buildings structure, ceilings and decoration.
It may also cover breakage to underground drains and pipes plus accidental damage to underground cables and tanks that proved services to your home or from your home that you are legally responsible for. When there has been a blockage, some companies may pay the cost of breaking into pipes and their repair.
So what’s not covered on an accidental damage insurance policy? There are many exclusions such as external television receiving equipment like for sky dish. Loss or damage which has been caused by a paying guest or tenant. Loss or damage that has occurred after your home has been left unoccupied. Loss or damage caused by wear and tear, depreciation, or anything that happens gradually, mechanical or electrical breakdown.
Loss or damage caused by your pets, insects, vermin, fungus, weather conditions or the effect of light. Loss or damage caused by cleaning, repair or restoration. Faulty workmanship, design or the use of defective materials. Demolition or structural changes to your home. The cost of routine maintenance or repair to your property. Exclusions also include mechanical or electrical breakdown of any fixed domestic water installation. Plus damage caused by failure of the household to follow any manufacturers instructions. Loss or damage caused by wet rot or dry rot.
Take a look at the Churchill home insurance review and see what cover options they have on offer. Don’t forget that this is only a rough guide on what may or may not be covered on a home insurance accidental damage buildings insurance policy. Each individual company’s policy cover will differ, so make sure you check all the terms and conditions of your policy before you commit to buy.
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Topics: Home Insurance