Does Homeowners Insurance Cover Appliances? | Travelers Insurance (2024)

FAQs

Does home insurance cover a leaking fridge? ›

Coverage for Refrigerator Leaks

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.

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.

Contents includes anything that can be carried away from the building. They are typically personal belongings purchased separately from the building. For instance, furniture, appliances, artwork, electronics and clothing are all contents.

There are all sorts of surprising things your home insurance likely doesn't cover, like sewer backups, sinkholes, and pest infestations, including termites. Mold damage is another one—most policies exclude it except when it's caused by something covered in your policy.

If your fridge breaks down and causes your lunches, dinners and other food to become unsalvageable, a Suncorp Contents Insurance policy could cover the cost of replacing your food*. This claim can be made independently from a loss or damage claim, and if you're only claiming for food spoilage, no excess applies.

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.

Home appliance insurance covers expensive appliances in your home, like a TV or washing machine. If any of these ever break down, this kind of cover can help to repair or replace them easily. But you might not need it in some circ*mstances, for example if your appliance has a warranty.

Food spoilage coverage typically has a limit of $500, which is the maximum amount your insurer will pay out for food loss. However, some insurance companies may offer higher food spoilage coverage limits of up to $2,500 or more.

Insurance Coverage for Food Spoilage and Food Loss

Your standard homeowners policy will provide some coverage for food loss due to a power outage or a mechanical failure of the refrigeration equipment — usually $500 or $1,000.

Homeowners Insurance: Your standard homeowners insurance may offer some protection against sudden water damage caused by a malfunctioning water softener. However, coverage limits and deductibles apply.

Does home insurance cover TV? ›

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. Contents insurance can cover the cost of replacing your TV, and the other belongings in your home, if they get unexpectedly damaged, destroyed or stolen.

It's not illegal to have double insurance policies on one building. However, it's generally not recommended to do this. Doubling up on house insurance policies will eventually cause you quite a headache.

Wear and tear or neglect

In other words, wear and tear, obvious and preventable leaks, and routine maintenance issues are generally not covered under homeowners insurance. Take, for example, a kitchen sink pipe that leaks over a course of weeks or months and causes wood rot in your kitchen fixtures and floorboards.

Many things that aren't covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

It pays to repair, replace, or rebuild your home's structure after a covered peril. This could include fire, theft, vandalism, or a weather event such as lightning, wind, or hail. It could also cover damage from external forces like a falling tree branch.

You may suspect there is a leak if the refrigerator isn't staying cool. A professional can diagnose and repair a leak for an average cost of $200 to $300.

A fridge might leak for many reasons, including a clogged drain, a damaged drain pan, and water supply issues. If the fridge also isn't cold enough, you may need to replace the seal or get the appliance checked out by a professional.

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.

Document the damage with photos, videos, and written descriptions. Contact the insurance company as soon as possible to report the claim. Provide the insurance company with all necessary documentation and information. Work with a reputable water damage restoration company to assess and repair the damage.