Can you cover white goods with contents insurance? | Endsleigh (2024)

FAQs

Can you cover white goods with contents insurance? | Endsleigh? ›

With contents insurance, your white goods will be covered for risks such as: Fire, explosion and smoke damage. Flood. Malicious damage or vandalism.

Standard home contents insurance only tends to cover your appliances if they're damaged in a natural disaster or another insured event. Specific home appliance insurance is not part of your home insurance. It covers white goods bought from a retailer for breakdowns and accidental damage.

Typically, homeowners insurance policies cover appliances lost or damaged due to a covered incident, such as a fire or lightning strike. But they don't cover the cost to repair or replace an appliance as a result of normal wear and tear.

Contents insurance protects the things that make your home feel like yours. This includes your bed, sofa, computer, clothes and jewellery. If you ever lost all your possessions in a fire or flood, it would cost a lot to replace them.

A standard home contents insurance policy will cover your appliances if they are damaged or destroyed in a fire, storm, flood, or other natural disaster, or if they're stolen. But it won't cover these kitchen essentials if they break down due to age, wear and tear or are accidentally damaged.

Contents insurance covers your household items and personal belongings if they're damaged, lost or stolen. This can include your furniture, clothes, computer, fridge, television, tools and jewellery. If you own your home, you can bundle your contents insurance with your home insurance.

What's Contents Insurance? RACV Contents Insurance covers the cost to repair or replace things you keep inside your home that have been damaged as a result of an insured event. It includes furniture and rugs, fridges, washing machines, TVs and more.

Kitchen appliances can be considered contents if they are movable goods, but may be classified as fixtures if they are physically attached to the home. Some appliances may fall into a grey area, such as built-in fridges that are not hard-wired, requiring clarification from the insurer.

There are a few reasons why you might want to take out home appliance insurance: To protect yourself from unexpected costs: Home appliances can be expensive, and repairing or replacing them can be a major financial burden.

Your homeowners insurance may cover damage that results from a refrigerator leak, subject to your deductible and policy limits. However, any repair or replacement of the refrigerator itself typically would not be covered.

What is considered contents coverage? ›

Personal property coverage — also known as contents coverage on a home policy — helps cover the cost of your personal items if they are destroyed, damaged, or stolen due to a covered loss or peril. Personal property includes things like furniture, clothing, electronics, and kitchenware.

What does “contents limit” mean? Your contents limit is the maximum amount that your insurance company will pay out in the event they have to reimburse you as a result of a claim (it's an important home insurance term worth knowing).

If you have contents insurance, check your policy as it may cover the loss of your belongings even if they were not in your home at the time. There might be an excess to pay.

Yes, white goods are covered under contents insurance. However kitchen worktops are considered 'fixtures' and therefore covered under buildings insurance.

Are kitchen appliances included? You might assume that kitchen appliances would be covered by your buildings policy because the kitchen itself comes under this. But in fact, your kitchen appliances will actually come under contents insurance.

If an event like a flood or power cut means your freezer stops working properly or breaks down, your home insurance will usually cover its repair or replacement.

If a major appliance – such as a dishwasher – has a mechanical failure and suddenly leaks onto your floor, your homeowners insurance typically will cover the damage caused by the leak. However, you would be responsible for paying to repair or replace the dishwasher itself.

Generally, a homeowner's contents are any item that is not attached permanently to the structure of his or her house. A list of what is likely included in contents insurance policy is as follows: Jewellery, clothing, décor items, furniture, appliances, instruments, bikes, decorations, toys, electronics, and more.