messed up apartment suspected robbery

Is there accidental damage cover for renters?

October 2025

Accidents happen! But there’s no need to cry over spilled wine. Accidental damage cover is an optional extra on a home insurance policy, including renters insurance, which will protect you in the event of an accident.

 

Help avoid the dread of a TV being knocked over, dropping a Blu-ray player, or an electrical surge blowing out your speakers.

Is Accidental Damage Cover Worth It?

With Allianz Renters Insurance, you’ll automatically have cover for audio and audio-visual equipment. But if you’re looking for full accidental damage cover, it might be more affordable than you’d think. It can be worthwhile to have peace of mind that your possessions are covered for spills, drops, and life’s little accidents.

 

As a couple living in a 2 bed apartment in Dublin 8 with €20,000 of contents cover, your annual premium is €105. Adding on Accidental Damage cover would only cost about €21 for the year. This would increase your monthly payment by only €2.07 total per month!

At Allianz, we understand that accidents happen. With accidental damage cover, you can move forward in life with courage, knowing that you’ll be covered.

Allianz p.l.c. is regulated by the Central Bank of Ireland. Standard acceptance criteria and policy conditions apply.

Learn more about Allianz Renters Insurance starting at just €10** - essentially the price of a Spotify subscription!

Check out Allianz Ireland Home Insurance Help and Support Hub for top frequently asked questions.

 

*Minimum premium buildings €106.05, contents €86.10, all risks €12.60. 10% off all new Home Insurance policies online. Information correct as of date of publishing. This blog will not be updated or edited so the information may become outdated.

Alix Carman
Helping to break down Renter's Insurance cover.