Understand accidental damage cover for home contents insurance in New Zealand. Learn what's covered and whether you need this optional add-on.
What Is Accidental Damage Cover?
Accidental damage cover is an optional add-on to your contents insurance that protects against damage caused by accidents—spilled coffee on electronics, dropped mirrors, or furniture damaged during moving.
Standard vs. Accidental Damage Cover
Without accidental damage cover, your policy typically protects against defined perils: fire, theft, weather, and vandalism. Accidental damage extends this to include unforeseen accidents.
Common Scenarios Covered
- Spilled drinks damaging a TV or laptop
- Broken furniture from moving or dropping
- Cracked mirrors or glassware
- Appliance damage from power surges
- Damaged walls from furniture being moved
Scenarios NOT Covered
Even with accidental damage cover, normal wear and tear isn't covered. Gradual damage, maintenance issues, or damage from lack of care typically fall outside scope.
Cost of Adding Accidental Damage
In New Zealand, accidental damage cover typically adds $2-5 per month to your premium. Given the low cost, many people find it worthwhile insurance for peace of mind.
Is It Worth It?
If you have young children, pets, or tend to be accident-prone, accidental damage cover provides valuable protection. For careful, settled households, it may be less essential.
Adding This Protection
Most NZ insurers offer accidental damage as an optional add-on when you purchase or renew your contents policy. Check whether it fits your lifestyle and budget.
