The selection of accidental damage cover which is an extra on both the buildings and contents sections of a home insurance policy will result in a higher premium but will give significantly better cover. We would always recommend adding accidental damage cover to the buildings section as the additional cost is minimal. Beware of companies that quote with limited accidental damage cover included as standard, this is not accidental damage cover.
To get a like for like comparison make sure they are quoting for full accidental damage cover.