Does homeowners insurance cover appliances?

Homeowners, condo, and renters insurance may cover appliances when a covered peril, such as a fire or theft, caused the damage. Insurance generally doesn't cover wear and tear damage or manufacturer defects. Optional coverage for electrical and mechanical breakdowns may be available through your home insurance policy. Another option might be a separate home warranty covering repairs and replacements for broken appliances due to wear and tear.

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How does homeowners insurance cover appliances?

A standard homeowners insurance policy may cover appliances under personal property, dwelling, or other structures coverage. Generally, each type of coverage applies to a specific type of appliance and how it's installed. For example:

  • Personal property coverage: Covers appliances that can be plugged into an outlet, including refrigerators, ovens, microwaves, and dishwashers.
  • Dwelling coverage: Covers built-in appliances, such as a furnace or hot water heater.
  • Other structures coverage: Covers appliances located in a structure on your property separate from the primary residence, like built-in appliances in your detached garage, shed, or workshop.

When does home insurance cover broken appliances?

Personal property, dwelling, or other structures coverage may protect appliances if they sustain damage from a covered peril such as:

  • Fire
  • Theft
  • Vandalism
  • Lightning

Are stove fires covered by home insurance?

Dwelling coverage may cover the repairs if your built-in stovetop catches fire. Your policy's loss of use coverage may pay for the cost of a hotel and meals, up to certain limits, if your home is uninhabitable during repairs.

Does renters insurance cover appliance repairs?

Just like for homeowners insurance, renters insurance may cover the repair or replacement of an appliance that sustained damage from a covered peril, such as fire, theft, or vandalism.

Should you consider separate insurance that covers appliances?

Although there is no such thing as "home appliance insurance," some insurers offer equipment breakdown coverage which may protect your appliances from mechanical or electrical breakdowns. This optional coverage can be added to your homeowners policy and protects against events that standard homeowners insurance won't cover, such as mechanical failures.

Homeowners can also protect appliances by purchasing home warranty, often available through private companies (including Progressive). Many appliances already come with a warranty, but a home warranty is something to consider if the unit does not provide one. Check the terms and conditions associated with a home warranty, because it may not always cover specific items under all circumstances. Learn more about the difference between home insurance and a home warranty.

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