Insurance Question about Terri Scheer - from a novice.

Of course there are many other features to consider, such as accidental damage coverage policies according to TICA.

I couldn't agree more. In fact I have been advocating for 20 years that inclusion of Accidental Damage is one of the most important features you should look for. I am however a little surprised that TICA raised that, as far as I'm aware (and according to what I read on their website and Product Disclosure Statement) they don't cover Accidental Damage (except to glass but that's normal). They do cover Deliberate or Intentional as well as Malicious, but that's not as far reaching as Accidental. Happy to stand corrected but that's certainly how it appears.
 
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