Accidental Damage Cover for buildings

Our homes can succumb to damage from the odd accident over the years. They might be made of solid materials but their interior and exterior are not damage-proof.

To help protect against this, Accidental Damage Cover for buildings is available with Sainsbury’s Premier Cover Home Insurance as standard.

What is buildings accidental damage?

As the name suggests, ‘accidental’ refers to non-deliberate damage to your property. Buildings accidental damage covers damage to your property and its fixtures and fittings.

What does it cover?

Accidental damage insurance can cover many aspects inside and outside your property that could be damaged. For example:

  • Drilling into a pipe or cable
  • Putting your foot through the loft floor
  • A ladder smashing through a window or other glass

Are there any exemptions to look out for?

It’s important to read the terms and conditions to make sure you’re aware of them, as exemptions can vary across policies. Buildings insurance with accidental damage typically excludes these situations:

  • The cost of maintenance and routine redecoration
  • Damage caused by any paying guest or tenant
  • If your home has been unoccupied for more than 60 days in a row and is damaged
  • Failure, wear and tear
  • Damage caused by a lack of grouting or sealant

Are there any excesses to pay?

Any excess for accidental damage should be shown in your policy schedule. If in doubt, ask your insurer.

What other types of accidental damage cover are there?

If you want to protect your contents in your home, Accidental Damage Cover under Contents Insurance can also be added to your policy for an additional premium.

Typical items may include accidentally breaking a vase or ornament or spilling paint on the carpet during a DIY project.

How do I get home insurance with Accidental Damage Cover for buildings?

Accidental damage cover is typically displayed during the quote process and can be included as standard with some home insurance policies. If you already have home insurance, your schedule will show if accidental damage is included. If in any doubt, it’s always worth clarifying with your insurer.

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