Homeownership comes with the reality that sometimes damage to your home may unintentionally be your fault. While home insurance is designed to protect your property from external factors, what happens if you’re the cause of the damage? Will home insurance cover accidental damage to your home? Here’s what you need to know about whether home insurance will cover you when the damage is your fault. Ensure you’re getting the right home insurance coverage for your needs that covers all potential damage with our support here at Valor Insurance in Pennsylvania.
Does Home Insurance Cover Accidental Damage by Homeowners?
The answer to this question can depend on your specific policy. In some cases, home insurance may cover accidental damage by the homeowner, but it might not be part of a standard policy. You may need to purchase this coverage as an add-on, which can be a valuable addition to your standard policy. If you do get accidental damage coverage, it generally covers incidents like home fires started accidentally in the kitchen or outdoors, damage to windows caused by a child hitting a ball into the house, or a broken floor caused by something heavy toppling onto it. It’s important to note that this type of coverage only applies to one-time events and won’t cover damage that occurs frequently. Accidental damage coverage also won’t cover damage that occurs over time due to lack of proper maintenance.
Find Home Insurance With Accidental Damage Protection With Valor Insurance
At Valor Insurance, we’re dedicated to helping Pennsylvania residents find reliable insurance that meets their specific needs. Compare quotes with us, or buy a policy now!