Does Homeowners Insurance Cover Paint Spilled On Carpet? 
Homeowners insurance is designed to cover sudden and accidental losses and spilling paint on the carpet is a covered loss . Talk to your agent first to see what your deductible is and then you can decide if it makes sense to file a claim . If your deductible is $ 1,000 and the cost for new carpet is $ 1,200 it 's probably not worth filing a claim . 