Does homeowners insurance cover appliances?

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Does homeowners insurance cover appliances?

Yes, standard homeowners insurance policies usually provide coverage for appliances if damage or loss occurs due to a covered peril. This includes unexpected events like fires, lightning, theft, and vandalism.

Does homeowners insurance cover appliances?

Understanding Homeowners Insurance

The essence of homeowners insurance is to protect your home and personal property. It provides coverage for various types of property, including the appliances inside your home, like your refrigerator, oven, and washing machine.

Home Appliances and Insurance Coverage

The critical point to remember is that the appliances are covered only when damage happens because of a covered peril in your policy. If your washing machine breaks down due to wear and tear or your old oven finally gives up, it’s not a coverage scenario.

The Limitations of Homeowners Insurance

While homeowners insurance can be a lifesaver in many scenarios, it has limitations. Regular maintenance or breakdowns due to aging and normal use aren’t covered. It is where home insurance for repairs like home warranty or appliance insurance comes into play.

How Much Does Home Appliance Insurance Cost?

Appliance insurance or home warranty policies usually range in cost. The pricing depends on several variables.

Factors That Influence Appliance Insurance Costs

Numerous factors influence the cost of a home appliance insurance policy. These can include the age and condition of your appliances, the comprehensiveness of coverage you want, and where you live.

Average Costs

On average, a home appliance insurance policy may cost between $350 and $600 annually. But remember, this cost can save you from the significant out-of-pocket expenses of unexpected appliance repairs or replacements.

Is Home Appliance Insurance Worth It?

Deciding whether home appliance insurance is worth it can be subjective and depends on various factors.

Weighing the Pros and Cons

One of the main advantages is financial predictability. If a major appliance breaks unexpectedly, a warranty plan can save you from an expensive repair bill. However, if your appliances are new and under manufacturer’s warranty or you’re handy at fixing things, it might not be necessary.

Personal Factors to Consider

Consider the age of your appliances, your readiness to handle unexpected repairs financially, and the peace of mind the warranty offers you.

In conclusion, while homeowners insurance does provide coverage for your appliances, it’s limited to specific events and does not include wear and tear or age-related malfunctions. A home insurance appliance policy or home warranty can fill in these gaps, providing comprehensive protection. However, it’s essential to weigh the costs and benefits based on your unique circumstances.


1. Does homeowners insurance cover refrigerator leak?

Homeowners insurance generally covers water damage if it’s sudden and accidental, like a refrigerator leak. However, if the leak is due to poor maintenance or neglect, it may not be covered.

2. What appliances are usually covered under home appliance insurance?

Typically, home appliance insurance covers major appliances like refrigerators, ovens, dishwashers, washing machines, and dryers. However, the specific appliances covered can vary depending on the policy.

3. Are appliance repairs covered by homeowners insurance?

Repairs due to normal wear and tear or aging aren’t typically covered by homeowners insurance. For such scenarios, a home warranty or appliance insurance can be beneficial.

4. Can I add appliance insurance to my existing homeowners insurance?

While you generally can’t add appliance insurance to your homeowners insurance, you can purchase it separately or consider a home warranty, which often includes appliances.

5. Does homeowners insurance cover appliances in a power outage?

Homeowners insurance may cover appliances if the power outage is caused by a covered peril, like a storm. However, if the outage is due to a grid failure, your appliances likely won’t be covered.

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