Accidental damage home insurance
Looking for accidental damage home insurance? The table below displays home and contents insurance policies on Canstar’s database that include accidental damage cover or offer it as an optional extra.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
What is accidental damage cover?
A home or contents insurance policy protects you against loss or damage from certain events such as storm, fire and theft. But it doesn’t normally cover you for the items you lose or items you accidentally break yourself. This is where accidental damage insurance comes in.
Accidental damage insurance is generally an optional extra on a home or contents insurance policy. You will pay a premium for the extra cover and some insurers suggest it might be worth considering if you have expensive items at home, especially if you have children.
Not everything in your home may be covered by such a policy. For example, cover doesn’t usually extend to any items used as part of a business or trade. Accidental damage insurance also doesn’t usually cover damage to items by general wear and tear.
It’s a good idea to check your policy’s product disclosure statement (PDS) to see what is and isn’t covered, and whether accidental damage cover is available as an optional extra.
Frequently Asked Questions about accidental damage home insurance
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About our finance experts
Nina Rinella, Editor-in-Chief

Joshua Sale, GM, Research

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Home Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right home insurance policy for them. In his time at Canstar, he has analysed close to half a million home insurance quotes.
Having recently purchased a home in a riverside Brisbane suburb, Josh says he understands first-hand the importance of finding an insurer that offers appropriate cover for potential risks, such as flooding, at an affordable price. As one of Canstar’s spokespeople, Josh has been interviewed on a wide range of personal finance topics by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
You can follow Josh on LinkedIn and Canstar on Twitter and Facebook.
Important information
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.