Knocking your TV over by accident* is "an accident", pushing your TV over to get insurance to replace it is fraud.
Agreed it's almost impossible for an insurer to tell, unless you make a habit of pre-planned accidents but I guess that's what keeps premiums high
* "an unfortunate incident that happens unexpectedly and unintentionally, typically resulting in damage or injury"
Insurance fraud is extremely common because its so hard to prove. In fact September is one of the worst months for contents insurance companies? Why, because in September somehow everyone drops their iPhone so they can get a new one LMAO
But these days, insurance companies share their databases of claims with eachother so if you are someone who has a lot of "accidents" then that will affect your premiums for all insurance companies