PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Should I get accidental damage home insurance?
I’m looking to save some money on my home insurance, but I’m not sure what I can safely cut out. Do I need accidental damage protection, or can I skip that?
Matt Terzi · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your kid is out in the yard kicking their soccer ball around with some neighborhood friends. Suddenly you watch the ball smash through your living room window, right into your brand new TV. Ouch!
Accidental damage coverage protects you financially from accidental damages around the house. If you have children, pets, or clumsy friends, it’s definitely worth the money.
There are two types of accidental coverage to consider.
The first is home contents insurance, which covers items inside your home, like replacing an accidentally damaged TV or computer, ruined furniture, or a bit of carpet due to spilled wine or pet stains.
Then there’s buildings insurance, which is meant for more structural elements. This insurance covers things like broken windows, falling light fixtures or ceiling fans, or plumbing catastrophes.
Accidental damage insurance does cost a bit more, but it’s valuable long-term and can save the day when accidents pop up. You can offset the price by
bundling your home and auto insurance
, too.Speaking of auto insurance, did you know the
Jerry
app can potentially save you hundreds of dollars per year on car insurance? Jerry users are saving an average of $887 per year; so yes, it’s possible.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
.webp&w=384&q=75)
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
