Most insurers define accidental damage as an unintentional one-off incident that harms your property or its contents. Most standard policies cover key items like home entertainment, but there may be varying exclusions depending on your insurer. Your need depends on your circumstances many accidental damage claims come from people with young childr

There is limited coverage available for your valuables. In most cases, you may want to consider purchasing a Personal Articles Floater, which provides coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy. 

A deductible is the amount youre responsible for in the event of a covered loss. In most covered loss cases, you are responsible for any amounts up to your deductible level and your insurance would cover anything beyond that up to your coverage limit. For example, if you select a $1,000 deductible and have a $4,200 covered loss, you would receive a