Does my Contents Insurance for Renters cover Accidental Damage? Yes, it does. Accidental damage covers any sudden, unexpected and visible damage which wasn’t predictable and has not been caused on purpose. Classic examples are spilling a glass of wine on the carpet or knocking over a vase. Related articles Are my valuables covered on my Contents Insurance for Renters policy? How long will my Home Buyer's Insurance policy last for? Is my laptop covered? Whats difference between Contents Insurance for Renters and Home Contents Insurance? Comments 0 comments Please sign in to leave a comment.