It will cover such events as storm damage, escape of water and fire.
You can add accidental damage to buildings for an additional premium to cover breakage of glass or any other damage caused that is an accident by you.
Standard events such as storm damage, fire, theft, escape of water are covered.
You can select from 2 types of policy which are full replacement value or for a cheaper premium a deduction is made for wear and tear.
Both of these can have accidental damage added as an additional premium to cover accidents such as spillage of paint or dropping televisions.
It will not cover damage done by any of your pets.