What is accidental damage?
Accidents will happen but what does accidental damage cover in your landlords’ insurance? The definition is uniform across insurance policies. It is when damage occurs as a result of an unexpected, non-deliberate, external action. This means that it is unintentional and a one-off incident that harms your property or its contents. Common examples are dropping a laptop or spilling a glass of red wine on a new beige carpet. However, not every policy has accidental damage.