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
minute read

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.

Are my carpets covered if I spill wine on them?

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. 

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Compare contents insurance quotes with us to see how much you could save. 50% of people could achieve a quote of £67 per year for their contents home insurance based on Compare the Market data in May 2019.

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