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Are carpets covered under my home insurance?

Are carpets covered under my home insurance?

It’s the moment we all dread – spilling merlot on your brand-new cream carpets. But if it happens, will you be covered? 

Chris King
From the Home team
3
minute read
posted 31 MARCH 2020

Do my carpets come under my buildings or home contents insurance?

When it comes to your insurance, carpets can seem like a grey area – are they part of the fixtures and fittings, or are they contents like any other?  

The courts and the Financial Ombudsman Service treat carpets as contents. That’s because even though they’re fitted and nearly everybody leaves theirs behind when they move, they could in theory be rolled up and transported. 

That means that unlike tiles, wood and laminate floors, which will be covered by your buildings insurance, your carpets will be covered by your home contents insurance.

Are my carpets covered if I spill wine on them?

A standard home contents insurance policy covers you in the event of fire, flood, theft, storms, subsidence, and malicious damage to name a few. Unfortunately, accidental damage cover – which could cover a wine spillage – isn’t always included as standard, so you’ll need to check the policy to see what’s included.  

When you get a quote with Compare the Market, we’ll show you on our results page which policies include accidental damage and which don't. We also give you an easy option to add accidental damage cover if you want to.

How do I make sure my carpets are insured in case of a spillage? 

If you want to make sure you’re covered in the event of an accident – they do, after all, happen – you’ll need to add accidental damage to your home contents insurance policy.  

If you have accidental damage insurance in place, your insurance provider will cover the cost of repairing or replacing items that are accidentally damaged. So, if your toddler tramples crayon into your carpets, or your gloss painting technique isn’t quite on point and your carpet gets as much paint as the skirting board or, indeed, you spill a glass of red wine – you’ll know you’ve got the right cover in place. 

Looking for home contents insurance?

Compare contents insurance quotes with us to see how much you could save. 50% of people could achieve a quote of £70** per year for their contents home insurance based on Compare the Market data in February 2020.

**50% of people could achieve a quote of £70.00 per year for their contents home insurance based on Compare the Market data in February 2020.

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