Does Home Insurance Cover Your Appliances?

​In most cases, your homeowner's insurance policy may partially cover your home appliances. In most instances, customers will find that different forms of coverage may be able to protect various types of appliances if a risk covered by the policy damages them.

Type of Insurance that covers your Appliances
Here are the types of insurance coverage that may suit your needs:

1. Personal property coverage
   Helps policyholders pay for their items if the appliances are damaged, destroyed, or stolen due to an occurrence covered by your policy, often called peril. Furniture, clothes, gadgets, and kitchenware are personal property.
   
   
2. Dwelling coverage
   Including countertops, flooring, and built-in appliances, your home is covered by this policy. Your policy's dwelling coverage may pay to repair, rebuild, or replace the physical structure of your house if a covered risk destroys it.
   
   
3. Other structure's coverage
   It protects structures on your property that are not physically connected to your home, like a detached garage, storage shed, or gazebo insurance covering buildings on your property. A common other structure's coverage limit is 10 percent of your policy's dwelling coverage; however, this might vary from insurer to insurer.

Perils that Home Insurance cover
Here are some perils that home insurance covers:

• Fire
• Lightning strikes
• Theft of home appliances
  
  

It is also covered under homeowner's insurance as sudden, unintentional damage from intentionally produced electrical currents (power surge/short circuit).

Home appliances that aren’t covered 
Age-related, maintenance-related, or normal wear and tear-related appliance issues are often not covered by homeowners' insurance. Flooding is not covered since it is covered by the government's National Flood Insurance Program, and neither are damages caused by earthquakes. However, home insurance should cover the damage if your appliances are destroyed in a fire caused by an earthquake.

What can you do to protect appliances?
Check the status of your home's water supply to appliances, including the plumbing, heating, and air-conditioning systems, to avoid water damage. Perform a yearly checkup of your home's plumbing and appliances to search for indications of leakage or corrosion. Inquire about having a professional technician inspect and maintain your air conditioning system.
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Conclusion
The best way to protect against an unexpected event that can cost you a lot is to have adequate homeowner's insurance. One thing you can do to protect your property is to keep it well-maintained and reduce the likelihood of damage or loss. 

At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. To learn more about how we can help you, please contact our agency at (864) 297-9744 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!