Does Your Homeowners Insurance Policy Cover Your Appliances? 

Your appliances are essential for everyday comfort and convenience, but what happens if they’re damaged or stop working? While homeowners insurance may provide essential protection for your home and belongings, coverage for appliances can vary depending on the circumstances.

When are Appliances Covered?

Homeowners insurance typically covers appliances when they are damaged due to covered perils, such as fire, theft, vandalism or certain types of water damage. For instance, if a kitchen fire destroys your stove or a burst pipe floods your laundry room, your policy may help cover repair or replacement costs.

Keep in mind, however, that coverage is subject to your policy’s terms and limits. If the cost to replace your appliances exceeds your policy’s personal property coverage limit, you could be responsible for the remaining expense.

When aren’t Appliances Covered?

Standard homeowners insurance does not cover damage caused by normal wear and tear, mechanical failure or improper maintenance. For example, if your refrigerator stops working because of age or lack of upkeep, you’ll need to pay for repairs or replacement out of pocket.

Additionally, damage caused by certain events, such as flooding or earthquakes, is typically excluded unless you have a specific endorsement or separate policy.

Are There Options for Additional Protection?

If you’re concerned about gaps in coverage, you have the following options to extend protection for your appliances:

• Equipment breakdown coverage—This optional add-on can cover mechanical failure or electrical damage to appliances.

• Home warranty plans—Separate from insurance, these plans cover repair or replacement for appliances due to regular wear and tear.

Stay Informed

Every homeowners insurance policy is different. Review your coverage limits and exclusions with your insurance provider to ensure your appliances are protected against potential risks. If you live in Connecticut and have questions about your policy, our team is here to help you tailor your coverage to fit your needs. Contact AJ Gambardella Associates, LLC to learn more.

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.