If your policy number begins with NHP or SBY it covers accidental damage caused by you, or your family, to your buildings or contents, such as paint spillages or damaged caused by pets.

If your policy begins with HBP it covers accidental damage caused by you, or your family, to your buildings or contents, for example, a football smashes your window or you spill a drink on your carpet.     
Please check your policy schedule to find out if you have this cover.