Next on the list was accidental damage, which accounted for 18% out of the total 2022 home insurance claims.
We define accidental damage as a sudden or unforeseen damage caused as a result of an unexpected action or event. As these are unexpected, it is difficult to take necessary precautions to avoid. However, it is a good idea to add accidental damage cover to your Allianz home insurance policy for your premises and/or contents* should the unforeseen happen.
If you add accidental damage cover on your contents, Allianz will reimburse you for the damage to your contents such as:
- Household goods
- Furniture and furnishings
- Personal effects (these include wallets, handbags, mobile phones, jewellery, hearing aids, etc.).
Note that TV, ceramic hobs and audio visual equipment** are automatically covered on contents policies for accidental damage.
*This will require additional premium. Subject to the exclusions outlined in the policy document here.
** There is a monetary limit of settlements for audio visual equipment if Accidental Damage cover is not added.