What is covered by "accidental damage" under my home policy?
Accidental damage is optional, and if you have selected it, you'll be covered for any sudden and unexpected damage which is not caused deliberately.
For example, on your buildings insurance, it would cover you for accidents such as putting a nail through a pipe.
On your contents insurance, it would cover you for accidentally spilling paint on a carpet.
More information is available in your policy booklet.