Everyday Accidental Damage Risks

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Everyday Accidental Damage Risks

Ordinary DIY and household mishaps can become costly when pipes, cables, glazing or furnishings are involved.

Everyday accidental damage is often preventable because the immediate hazard is visible before the job begins.

Guides in this section

Does Home Insurance Cover DIY Accidents?It can if accidental damage is included. A basic policy may not cover a mishap caused by drilling, cutting or dropping something during DIY.Does Home Insurance Cover Drilling Through a Water Pipe?It may if accidental damage is included. The punctured pipe, the work needed to reach it and the water damage can fall under different parts of the policy.Does Home Insurance Cover a Broken Window?It often does, either through buildings insurance or accidental damage. Whether making a claim is worthwhile can depend on the repair cost and the excess.

Why this category matters

These guides look separately at DIY mistakes, drilling into concealed pipes and broken glazing rather than relying on a generic accident checklist.

If accidental-damage cover matters to you, the relevant policy extension and excess are worth comparing explicitly.

Insurance should follow the risk

Once the avoidable problems have been dealt with, compare policies on the parts that genuinely matter for your home. Limits and exclusions can be more important than a small difference in premium.

Choose a guide

The pages above are deliberately specific so that you can read about one risk without having to work through generic home-insurance material.