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Accidental Damage is the leading cause for making a home and contents insurance claim so far this financial year at RAA Insurance – accounting for more than a third of total claims.
South Australia’s largest member organisation has shared the most common reasons for making a home insurance claim, with claims made under Accidental Damage topping the list at 35%.
In second place was water/liquid damage (17%), followed by storm damage (14%) and spoilage of food (10%), which often arises from extended power outages.
Commonly damaged household items that are claimed for Accidental Damage include technology items like TVs and smartphones.
Head of Claims at RAA Insurance Jess Lyons said Accidental Damage cover is an optional extra as part of RAA’s home and contents insurance – but one that is valued by many policyholders.
“Since July last year our members have lodged more than 14,000 home insurance claims – and the most common reason for claiming is accidental damage,” Ms Lyons said.
“Families invest significantly in items like TVs and laptops, and we all know how easily accidents can happen, leading to them needing to be fixed or replaced.
“Around 37% of policyholders don’t have Accidental damage as an optional extra, so it’s worth checking with your insurer if you’re not sure what you’re covered for under your policy.
“Water damage and storm damage are also common claim causes, so we always encourage homeowners to keep their home well maintained.
“Keep your gutters clear, ahead of wet weather, and make sure water drains away from your house.”
Ms Lyons recommends people enquire with their insurer whether their home and contents policy covers specific valuables that they are concerned about.
“If you do go out and buy a new item and want to check if it’s covered under your existing policy, we recommend giving your insurer a call to confirm.”
Most common home and contents claims
| Rank | Claim type | % of home and contents claims |
| 1 | Accidental damage | 35% |
| 2 | Water/liquid damage | 17% |
| 3 | Storm damage | 14% |
| 4 | Food spoilage | 10% |
| 5 | Impact | 6% |
| 6 | Glass breakage | 5% |
| 7 | Motor burnout (e.g. air conditioner) | 4% |
| 8 | Burglary/theft | 3% |
| 9 | Pet damage | 2% |
| 10 | Fire | 2% |