Generally, accidental events policy is the vaster home insurance policy than defined events policy. Additionally, this policy will cover you for the event that you have made damage or loss to your property by fault. Defiantly, there are some restrictions that all accidents will not be counted as reasonable accident but still accidental event policy is a broader policy than defined event. Moreover, accidental events policy will provide a chance to file an application for advanced policy limits - a more momentous phase of financial cover / payment.
The above stated list of events is not a broad list; it can vary among various insurers.