Is a home appliance covered by home insurance?

We often overlook our home appliances until there’s an issue — the refrigerator quits, a tree crashes into our A/C unit or an oven is damaged beyond repair in a kitchen fire.

But maybe it’s time we start to take notice. After all, home appliances are some of the hardest working members of our homes, and the cost to replace a home appliance can be significant. An A/C unit, for example, can cost anywhere from $2,000 to $10,000 to replace.

Before an issue arises, take the time to speak with your independent insurance agent and find out when your home appliances are covered by your home insurance policy. Prepare now so you can more quickly replace your home appliance when you need it most.

When are home appliances covered by home insurance?

1. When it applies to your policy.

   All of the home appliances that help keep your home running are typically covered by a standard homeowners’ insurance policy when a peril covered by that policy is the culprit. So, if your oven is destroyed during a kitchen fire or if someone steals your toaster oven during a burglary, those losses would be covered by home insurance.
   
   Appliances that are installed at your home, like your HVAC system, are also typically covered by a standard homeowners’ insurance policy.

 
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2. Not when the issue is caused by age or normal wear and tear.

   Similar to other types of insurance coverage, a home appliance would not be covered by home insurance if the issue is caused by age or normal wear and tear. Also remember that if you’re renting your home, your landlord is typically responsible for maintaining or replacing any home appliances that came with the property.

If you’re unsure if your home appliance would be covered by your home insurance policy, ask your independent insurance agent to help you review your home insurance policy and answer any questions you have.

This article is for informational and suggestion purposes only. If the policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies. For full details on Grange’s homeowners' insurance coverages and discounts, contact your local independent insurance agent.