Accidental damage cover is a type of insurance that covers the cost of repairs or replacements caused by sudden, unexpected damage to your home or belongings that happens by mistake. Accidental damage is defined as sudden and unexpected damage to your property or contents by an outside force, such as spilling a drink and staining the carpet, or drilling through a pipe. Accidental damage cover is not normally included as standard in home insurance policies, so it depends on your policy whether you have it or not. You might get it with buildings insurance, contents insurance, or a combined policy, but usually, you need to buy it as an optional add-on. Accidental damage cover can be for your possessions as well as for your building, but just because you have one, don’t assume you’re covered for the other. Accidental damage cover isn’t normally included as standard, so it depends on your policy. If you own expensive gadgets, it might be worth considering gadget insurance, as this can provide a higher level of protection than accidental damage cover. Accidental damage cover is usually an add-on to your home insurance policy, but for less than $6 a month, it could be a worthwhile investment. Accidental damage coverage is also offered as an add-on coverage to traditional warranty plans such as service contract and extended warranty coverage.