Renter’s Insurance: Accidental Damage Cover

by Alix Carman | 1 min read   September 20th, 2019

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.

What is Accidental Damage Cover?

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

With Allianz’s The Basics renter’s package, you’ll automatically get coverage for accidental damage to audio and audio-visual equipment for up to €1,300*. This includes (but is not limited to) items such as a TV, sound bar, or surround sound stereo system, to name a few.

Extended Accidental Damage Cover

As an optional extra for the Allianz More Complete Package, you can cover all of your belongings for accidental damage with no limit*! Enjoy a glass of red wine on the sofa after a long day, stress-free.

Some other examples include (but are not limited to):

  • Accidentally knocking a mirror off a wall
  • Placing a hot item on a glass table and shattering it
  • Your child throws a ball and it breaks a window
  • A laptop is dropped in the home
  • Coffee is spilled on your expensive rug

Accidental damage claims apply a standard excess of €250, meaning you pay the first €250, and we pay the rest up to the total of your contents insured. A higher excess may apply to escape of water and subsidence.

*Exclusions apply. Take a look at the Allianz Home Insurance Policy Document for a full list of exclusions.

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.

Let’s look at an example:

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!

***Minimum premium contents €86.10, all risks €12.60. Based on a couple renting a 2 bed apartment in Dublin 8 with €20,000 contents.


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.