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What is accidental damage cover?


Your typical home or contents insurance policy protects you against loss or damage from events like a storm, fire or theft — but it doesn’t always cover you for items you lose or accidentally damage. That’s where cover for Accidental Damage at Home comes in.

What does Accidental Damage at Home cover exactly?

Some examples include:

For buildings

  • A wall is damaged when you move that couch to make the way for the vacuum cleaner.
  • Someone slips on the roof when cleaning the gutters, damaging the tiles and a gutter on the way down.
  • Your try to put that new art piece or frame on the wall but accidentally take a chunk of plaster with you when trying to hang it.

For contents

  • While playing active video games like tennis, the remote-control slips and cracks the TV screen…nasty.
  • Your darling daughter draws in permanent marker all over the couch, entertainment unit and carpet…uh, oh!
  • You lose your wedding ring at home or away from home (if you have optional Extra Cover for Portable valuables). Limits apply to jewellery, unless you increase them.
  • You have bub in one hand and a laptop in the other, and the laptop slips and the screen shatters.

If you have a Home or Contents policy that includes accidental damage, be sure to check with your insurer to determine exactly what they cover. Not only that — run an eye over any terms, limits, conditions and excesses that apply.

What’s not included as accidental loss or damage?

Here are some examples:

  • Wear and tear on your couch or other furniture.
  • The gradual deterioration of something with age, like your coffee machine.
  • Deliberate acts of breakage like throwing your remote at the TV when your footy team loses.
  • Shoddy workmanship owing to that DIY barn door installation that didn’t work out as planned!

Is it worth getting cover for accidental damage?

Accidental damage insurance could come in handy if you have kids. It’s no secret kids can be more prone to accidents that cause damage to your home and its belongings.. Cover for Fine China or expensive crystal vases might be worthwhile too.

Either way, mishaps can happen no matter how careful we are. If you have Home and or Contents Insurance, it could be worth considering upgrading your policy to include optional cover for Accidental Damage at Home.

Is accidental insurance an add-on or does it come standard?

In general, accidental damage is an optional extra on a Home or Contents Insurance policy. It is a good idea to check your policy’s Product Disclosure Statement (PDS) to see what is and isn’t covered, and whether accidental damage is available as an optional extra.

Accidental Damage at Home is a new optional extra for AAMI Home & Contents, Contents only and Building only Insurance.

Get a Home Insurance quote

How to purchase Accidental Damage at Home cover with AAMI

Got an AAMI policy?

Give us a call on 13 22 44 to add Accidental Damage at Home to your existing AAMI Home Insurance policy. You’ll need your policy number. 

Retrieve you policy number.

Still Considering AAMI?

When you get a new AAMI Home Insurance quote, just select the Accidental Damage at Home Optional Cover.

Get a quote for Home Insurance

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Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Consider the Product Disclosure Statement before making a decision about this insurance. The Target Market Determination (TMD) is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.