homeowners insurance.
i get it, i got it.
but there is a deductable and i don't think son throwing sippy cup at TV is covered.
Even if it were covered and you had a zero deductible, if you use your homeowner's insurance too many times then the insurance company will cancel your policy.
If they cancel your policy because you used it too much, then you have to find a new policy but you will be in a different risk class and the price will be much higher.