Commonly, accidental events policy is the more inclusive type of home insurance policy you can acquire. Besides the defined events this kind of policy also covers you in the event that you’re accountable for any accidental damage or loss to your property.
Certainly, there are limitations to this as not the whole things will be measured a sensible accident by your insurer, but it still offers a more extensive insurance cover policy than defined events on their own. Additionally, accidental events policy will also consist of the option to submit an application for higher policy limits - a more significant stage of financial cover / payment.
Water damage due to faulty design
Rust and deterioration
Defect in design
Damage due to insects or rat
Damage because of tree root
Damage of mirror, glassware and crockery material while operating or carrying by hand
Destruction during war and emergency period
Destruction because of Nuclear weapons, radiation or radioactivity.
Flood or overflow tidal wave or tsunami.
The above mentioned Index of events is not an extensive list, it can fluctuate between divers insurer.