p>If an accident at home causes damage to your valuables—for example, a painting falls from the wall or you spill paint on the carpet—this may not necessarily be covered by your insurance policy.</p><p>While some providers cover all types of damage in the home, others specify certain types of incidents such as burglary or fire—or charge an extra premium to cover you for accidents. You’ll need to review the conditions of the policy carefully before deciding if it provides the level of cover you want.</p