Does Homeowners Insurance Cover Appliances?

Homeowners insurance aims to financially protect your home and personal property from various risks, but the coverage can be a bit nuanced when it comes to appliances. Understanding what your policy covers and what it doesn’t is essential to ensure you’re adequately protected.

When Does Homeowners Insurance Cover Appliance?

Typically, homeowners insurance covers the cost of repairing or replacing appliances if they are damaged by a covered peril, such as fire, lightning, theft, vandalism or certain types of water damage. For instance, if your washing machine is destroyed in a fire, your policy’s personal property coverage should help pay to replace it.

However, homeowners insurance does not cover appliances that break down due to mechanical or electrical failure, wear and tear or lack of maintenance. If your refrigerator stops working because of age or a mechanical issue, you won’t be able to file a claim under your standard homeowners insurance policy.

To bridge this gap, some homeowners opt for additional coverage, known as equipment breakdown coverage. This endorsement can be added to your policy to cover repairing or replacing appliances that fail due to mechanical or electrical issues. It’s a valuable addition for those who want extra protection for their home appliances beyond the standard perils covered by homeowners insurance.

Another option to consider is a home warranty, which can help financially cover home systems and appliances that stop working correctly because of normal wear and tear. Unlike homeowners insurance, home warranties are separate policies and can offer reassurance to homeowners worried about the durability of their appliances.

Learn More

For home insurance near you, contact Unbeatable Insurance today. We can provide coverage recommendations tailored to your home’s features and a thorough risk assessment.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.