For many of us, our home is our sanctuary. It’s the last place you expect to find yourself the victim of an accident or injury.
Yet every year, people fall victim to all sorts of mishaps around the home, resulting in damage, injuries and, tragically, even death. For instance, in the US alone, more than 26 million people sought medical help in 2019 for injuries sustained at home.1
But what causes these accidents around the home? As experts in insurance, we’ve decided to take a look through various statistics to see whether some common features found in our homes could pose a bigger danger than we perhaps realise.
Before we jump into that, however, we’d like to quickly explain how a home and contents insurance policy can protect you. Not only can it provide cover for the damage of items within your home if they were affected during an accident, but it can also cover your legal liability if others get hurt inside your home.
As for providing cover for your home and the items within in, one way to do this is by adding accidental damage cover to your policy. This is (in most cases) an optional extra that will protect you for accidents such as breaking glass, fragile ornaments, and staining the carpet. However, there are some policies that include accidental damage cover as standard, so it’s best to read your Product Disclosure Statement (PDS) to understand exactly what type of cover is included in your policy, as well as any restrictions or exclusions.
Now, having understood how your insurance can provide cover for some accidents in the home, let’s take a look into some of the most common ones to occur.
Compare the Market commissioned Pure Profile to survey 504 Australian, 1,010 American and 1,008 Canadian adults in February 2022.