Does home insurance cover appliances?


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Most landlords provide rental units with appliances, but if your landlord didn’t provide appliances and you need to purchase them, renters insurance will cover damage to your appliances. But for damage to be covered, it must be the result of named insurance risks or covered events, such as fire, theft, and vandalism.

Does tenant insurance cover household appliances?

Home insurance is a type of home insurance that replaces your belongings if they are damaged or stolen. However, damage due to improper maintenance and normal wear and tear is not covered.

Renters insurance covers your personal property against damage, often referred to as insurance risk. If you purchased the appliances for your rental, damage to your appliance will be covered if it results from a covered risk.

A peril is an event that can damage your property, such as theft, fire, or storm. Common insurance risks include fire, lightning, theft, ice, snow, sleet, smoke, vandalism and freezing. Water damage due to peril is also covered.

Floods, earthquakes, government foreclosures, mudslides, updated ordinances, sewer backups and sinkholes are all risks that will not be covered by renters’ insurance, according to Hippo Insurance. These will require additional coverage using a rider policy.

Damage caused by wear and tear or lack of maintenance is generally not covered by renters’ insurance.

* Available as additional coverage if not part of the policy

** Flood insurance is available from NFIP and licensed insurers

What is personal property insurance?

Renters’ insurance protects your property and furniture against damage due to covered events or insurance risks. There are limits to the tenant’s personal property coverage based on the value of your property, typically between $ 20,000 and $ 30,000.

Be sure to inform your renters insurance company if you have purchased any appliances for your rental to ensure that you have sufficient coverage for personal property and that you understand the limits of that coverage for your rental. appliance. Different companies will have different policies, so it’s best to check with your provider.

If your appliance is damaged by an insurance risk, file a claim with your tenant insurance.

Consider a device warranty for repair and maintenance costs

If your home appliances are not damaged due to insurance risk, an appliance warranty can be an option to reduce maintenance and repair costs. Device warranties are service contracts to repair or replace items.

Residential warranties generally cover HVAC units and water heaters – usually the responsibility of the homeowner. However, appliance warranties are specifically for household appliances like the refrigerator, microwave, or washer and dryer.

You can get a warranty for devices from the manufacturer, like Sears or GE. Most retailers offer an appliance warranty for your purchase, like Best Buy’s Geek Squad or The Home Depot. Otherwise, you can get a device warranty from Asurion or American Home Shield.


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