Does Home Insurance Cover Accidental Damage? 
I hope so . I would hate to think the damage was intentional . What we would have to look at is what is the damage and is the damage a peril of the policy . Say for example you left your stove on and walked out of the house causing a grease fire burning your house down . This is obviously an accident assuming there was not intent to damage your home . In this case to your question this is accidental damage and is covered since fire is a peril of the policy . 