Accidental damage insurance covers your property
It's natural to take pride in your home and want a secure and safe place to live. But, accidental breakages can happen at any time. So it's good to know that some accidental damage cover is included as standard with our buildings insurance.
Being a homeowner means you assume responsibility for sorting out any repairs. If you have a busy lifestyle, it can be daunting to deal with a sudden property problem.
Protect yourself against unforeseen repair and replacement costs with the right accidental damage home insurance from Sainsbury’s Bank.
What is accidental damage insurance for buildings?
Buildings accidental damage cover is protection against the cost of repairing your home if your property is damaged by mistake. It covers you from unintentional physical damage caused by you or a visitor to your home.
Accidental damage typically comes as an optional extra, but our buildings insurance includes some cover as standard.
With our enhanced accidental damage cover, you’ll be insured for things like putting your foot through the attic floor. You can add this to your policy as an optional extra for an additional price.
Our buildings insurance automatically protects your home against some unexpected events. Here are some common examples of things you’re covered for:
- Accidental breakage of sanitary ware (e.g. wash basins, sinks and lavatory pans), fixed glass in windows and doors, and fitted ceramic hobs
- Accidental damage to services including drains, pipes and cables that connect to your home. For example, if a blocked sewer pipe under your property needs to be broken because it can't be unblocked any other way, our policy covers up to £1,000 of the cost of breaking and repairing it
Home insurance with accidental damage cover for your building can also help protect you if fallen trees or branches cause damage to your property. We’ll take care of any breaks or obstructions resulting from strong winds, but this doesn’t include tree felling mishaps or intentional removals.
Some types of damage will come under buildings cover and some under contents insurance – it’s important to choose a policy that does what you need it to. Also be aware that cover limits, exclusions and excesses may apply. To find out more about what’s covered and what’s not, take a look at our policy documents.