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My daughter accidentally spilled a can of paint on her bedroom carpet, and my husband broke the television while practicing h

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No, these policies will not be covered under your homeowner policy. It is a type of insurance policy that covers all the damages to the assets in a house. It includes all the accidents that occurred at the property. It mainly covers all the damages that occur due to the accidentally fire, hail, storms, etc. It does not cover all-natural disasters. Earthquakes and floods are excluded from it. Accidentally spilling can of paint on the bedroom carpet, and breaking the television while practicing his golf swing in the living room will not be covered under a homeowner policy. It occurs due to the fault of the people living in the home, not naturally or accidentally.

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