Accidents happen — it’s part of life. Whether it’s a spilled drink on your laptop, a cracked TV screen, or your kid breaking a window with a baseball, accidental damage can cost you big if you're not covered.

At Riseson Insurance , we help families and individuals in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler find affordable protection with Accidental Damage Coverage built into or added onto their insurance policies.

Accidental Damage Coverage is an insurance option that protects you financially when unexpected, non-deliberate damage happens to your property — whether inside your home or on the road.

This type of coverage can apply to:

Homeowners Insurance (accidental damage to your home or personal belongings ) Auto Insurance (accidental interior or exterior vehicle damage not caused by collisions ) Valuable Personal Property (tech, electronics, jewelry, etc.)

It’s different from standard wear and tear — this is for sudden, one-time events that are not excluded under your base policy.

Knocking over a TV while rearranging furniture Dropping a laptop down the stairs Spilling wine on your white carpet Kids breaking a glass door or window while playing Water damage from an overflowing bathtub

Many of these situations are not fully covered by basic homeowners or renters insurance unless you have optional accidental damage protection.

In the world of auto insurance , accidental damage could include:

Scratches, dents, or interior damage from an accidental spill or object Hitting a garage door while backing out (if not considered a collision) Damage from a falling object in your own garage

With comprehensive coverage , you may be protected — but it’s important to know exactly what’s included in your policy.

In high-activity cities like Phoenix, Tempe, and Scottsdale, and family-focused communities like Chandler, Gilbert, and Tucson, accidents happen every day. Whether you're hosting guests, have young kids, or work from home with expensive tech, Accidental Damage Coverage can save you from unexpected out-of-pocket costs.

If you own valuable items like TVs, laptops, or art — yes. If you rent and want to protect your deposit — yes. If you have children or pets — absolutely.

Accidental damage claims are some of the most common — and most often excluded without the right endorsements. That’s why it pays to review your policy with a local expert who understands your lifestyle and needs.

At Riseson Insurance , we help Arizona residents get clear answers to important questions like:

“Am I covered if I drop my phone?” “What if my child accidentally damages my neighbor’s property?” “Can I add accidental damage to my renters policy ?”

You won’t get stuck on hold with a call center — you’ll talk to a local agent who knows Arizona living and how to protect what matters most to you.

Whether it’s spilled coffee or a broken screen, Accidental Damage Coverage helps you bounce back without breaking the bank.

Call Riseson Insurance today at 602-460-5470, let our experienced agents help you review your current coverage and add the protection you need for peace of mind.

What Is Accidental Damage Coverage?

Examples of Accidental Damage at Home

Accidental Damage & Auto Insurance

Why Arizona Residents Should Consider This Coverage

Is It Worth It?

Why Choose Riseson Insurance?

Protect Your Property From Life’s Little Accidents

• Homeowners Insurance (accidental damage to your home or personal belongings )
• Auto Insurance (accidental interior or exterior vehicle damage not caused by collisions )
• Valuable Personal Property (tech, electronics, jewelry, etc.)

• Knocking over a TV while rearranging furniture
• Dropping a laptop down the stairs
• Spilling wine on your white carpet
• Kids breaking a glass door or window while playing
• Water damage from an overflowing bathtub

• Scratches, dents, or interior damage from an accidental spill or object
• Hitting a garage door while backing out (if not considered a collision)
• Damage from a falling object in your own garage

1. If you own valuable items like TVs, laptops, or art — yes.
2. If you rent and want to protect your deposit — yes.
3. If you have children or pets — absolutely.

• “Am I covered if I drop my phone?”
• “What if my child accidentally damages my neighbor’s property?”
• “Can I add accidental damage to my renters policy ?”