The Gap Standard Cover Leaves Open
Standard home and contents policies cover events like fire, storm, theft and impact — but everyday accidents (a dropped TV, red wine on the carpet, a child's bike scratching the car in the garage) are usually excluded unless you've added accidental damage cover, either as a built-in feature or a paid extra.
What It Typically Covers
Accidental damage cover extends to unintentional harm caused by you, your family or (sometimes) pets and visitors — things a standard policy specifically excludes because they aren't caused by an insured 'event' like a storm or break-in. It commonly covers building and contents separately, so check whether you need it on one, both, or it's bundled automatically.
Is It Worth Adding?
It usually adds a modest amount to your premium and is most worth it in households with young children, pets, or expensive fixtures and furniture where an accident is a genuine 'when', not an 'if'. For a minimalist household with few valuables, it's a smaller-value add-on.
What's Usually Still Excluded
- Wear and tear, or gradual deterioration
- Damage caused deliberately or through gross negligence
- Damage occurring during a professional renovation (usually covered by the tradesperson's own insurance instead)
This page is for educational purposes and isn't personalised financial advice. Premiums, terms and eligibility vary by insurer, state and individual circumstances — always check the Product Disclosure Statement (PDS) before buying.