Does home insurance cover TV damage? (2024)

FAQs

Does home insurance cover TV damage? ›

A TV is covered by the personal property portion of your home insurance, which may use replacement cost or actual cash value to determine the payout, and is subject to the deductible. Homeowners insurance won't cover you if you drop the TV or it falls off the wall.

Homeowners insurance covers TVs and other electronics through your personal property coverage. If any of your personal belongings get damaged or stolen due to a covered peril, then you'll get reimbursed for it. It doesn't matter if the event occurred inside or outside your home.

Can I claim on home insurance for a broken TV? TVs are often one of the more expensive electronic items in our homes and can cost a lot to repair or replace. However, if you have contents insurance as part of your home insurance cover, you might be able to make a claim for your broken TV.

Accidental Damage cover on your home policy protects you from the unforeseen accidents around the house, like dropping your TV when moving it from room to room.

Avoid admitting fault or underestimating damages as this might lead to lower compensation or even denial of your claim. Honesty is crucial when dealing with an insurance adjuster, so avoid providing false information which can lead to serious consequences like claim denial or legal repercussions.

What is accidental damage insurance? This covers your buildings, contents or both against unintentional damage at home. Examples of what's covered by accidental damage include spilling wine on your carpet or smashing your TV.

Your television is covered for mechanical and electrical failures from normal use. Accidental damage, intentional damage, loss, and theft are not covered. View Terms & Conditions for complete coverage details. Standard Plan: Your television is covered for mechanical & electrical failures from normal use.

General wear and tear – Accidental damage does not cover mechanical failure or general wear and tear. So if, for example, your computer breaks down because it's really old, you will not be covered. Portable items – It might not cover you for electrics you take outside your home.

For example, spilling juice on the carpet or a window smashed by a ball. It doesn't include damage that's due to a lack of upkeep or that happens slowly over time. For example, if your roof leaks because it hasn't been looked after.

Does home insurance cover televisions? Budget Direct contents insurance covers loss or damage to your television due to an insured event (e.g. fire or theft). Note that, to be covered for accidental breakage of your television's glass, you must add optional 'Accidental Damage' cover to your policy.

How to claim for damaged TV? ›

In that case, all you need to do is file an insurance accidental damage report by authorised repairs and service experts like us, Impulse Audio Visual, to claim your insurance and get a new TV or alternative compensation quickly and with minimum hassles.

If there's a failure from normal wear and tear, we'll repair it. This could be a problem with an internal part or how the product was manufactured. It could also be caused by dust, internal heat or humidity. Accidental damage is not included.

Accident insurance covers qualifying injuries, which might include a broken limb, loss of a limb, sprains, broken bones, concussions, burns, lacerations, or paralysis.

Earthquake and water damage

In most states, earthquakes, sinkholes, and other earth movements are not covered by your standard policy. Earthquake insurance can be purchased as an endorsem*nt (an addendum) for an additional fee in all states except California.

If something happens to your home, it's worth thinking about whether you could afford to cover the cost yourself instead of claiming on your home insurance. This can protect your no-claims discount and help to avoid an unnecessary rise in your premiums.

If the damaged item isn't worth much more than the excess, it's probably not worth making a claim, as if you do, this is likely to push up the price you pay for your home insurance when you come to renew.

You can get cover for your TV as part of your home insurance which will cover it for things like theft and damage from fire and flood.

Standard homeowners and renters insurance policies cover the loss or damage of electronic devices in the event of named perils—but not negligence or simple wear-and-tear. Personal property coverage—aka Coverage C—protects your items against named perils even if they're lost or damaged outside the home.

Most companies' TV warranties do not cover a cracked or broken television screen, however, a defective screen may be covered under a super extended warranty. A super extended warranty is an insurance policy that you can purchase that will cover repairs or replacements for your television.