Does renters insurance cover appliances? What you need to know | Asurion (2024)

These days, the average renter owns many valuable devices and appliances: TVs, computers, gaming consoles, appliances, and more. These gadgets make our lives more convenient—that is, until an accident or theft occurs.

When mishaps occur, understanding what your renter’s insurance policy does and doesn’t cover is essential, especially when it comes to your appliances. As is having the right protection plan in place. Here’s what you need to know about renters insurance for your appliances.

What is renters insurance?

Renters insurance is coverage designed to help protect your personal belongings if you’re renting a house or apartment. It might not cover the physical structure of the home (that’s the landlord’s job), but it can help protect the things you own inside it from damage, theft, or loss.

When does renters insurance cover appliances?

Renters insurance policies generally cover the appliances you bought in the same way they cover your other belongings. You'd file a claim, and the insurance company would get to work.

Coverage can vary and depends on circumstances, so make sure you read the terms and conditions of your plan to avoid any unpleasant surprises. Some common instances where your renters insurance may protect appliances include:

  • Fires
  • Water damage
  • Vandalism or theft
  • Natural disasters

When does renters insurance not cover appliances?

While renters insurance covers appliances in many instances, the world of insurance is filled with fine print and caveats. For example, if your washer leaks, the items destroyed by the water are eligible for an insurance claim. The washer, however, isn’t.

Renters insurance typically doesn't cover appliances when the damage or loss is a result of any of the following:

  • Normal wear and tear
  • Mechanical breakdowns
  • Intentional physical damage
  • Negligence
  • Wasn’t included in the policy

To avoid surprises, it’s essential to read through all of the terms and conditions of your policy.

What appliances will renters insurance cover?

Typically, renters insurance covers most major home appliances—think refrigerators and stoves. Some policies also cover devices you might not consider to be appliances, like:

  • Television sets
  • Video game consoles
  • Computers and laptops
  • Washers and dryers
  • Mini refrigerators
  • Small cooking appliances
  • Coffee makers and espresso machines
  • Fans and portable heaters
  • Air-conditioning units
  • Vacuums

Does renters insurance cover broken appliances?

Renters insurance policies don't often cover appliance breakdowns or malfunctioning appliances. That’s‌ where protection plans and extended warranties come in. They bridge the gap between disasters or theft and everyday occurrences like electrical failure.

What can you do to protect your appliances?

With Asurion Appliance+®, you can get hassle-free coverage for your new appliances and the existing ones in your home, regardless of the brand or where you bought them. Plus, you’ll get 24/7 troubleshooting support to keep your appliances running as they should when you need them the most. Learn more about Asurion Appliance+™ coverage and how you can get total peace of mind protection.

*The Asurion® trademarks and logos are the property of Asurion, LLC. All rights reserved. All other trademarks are the property of their respective owners. Asurion is not affiliated with, sponsored by, or endorsed by any of the respective owners of the other trademarks appearing herein.*

Does renters insurance cover appliances? What you need to know | Asurion (2024)

FAQs

Does renters insurance cover appliances? What you need to know | Asurion? ›

Does renters insurance cover appliances? Renters insurance or HO4 renters insurance generally covers appliances when they're damaged by fire, water damage, theft, and vandalism. This coverage typically extends to major home appliances, including stoves, washers, dryers, and refrigerators.

Which one of the following is not covered by renter's insurance? ›

Items not covered with renters insurance include: Personal property loss that exceeds the coverage limits on your renters insurance policy. Liability situations that exceed the limits on your policy. Damages caused to the structure of the building you are renting (which is covered by your landlord's homeowners policy).

What is typically not covered by renters insurance? ›

Damage Caused by Floods, Earthquakes and Sinkholes

Flooding, earthquakes and sinkholes are all examples of natural disasters that are not covered by a typical renters insurance policy.

Does renters insurance cover my refrigerator? ›

Renters insurance policies generally cover the appliances you bought in the same way they cover your other belongings. You'd file a claim, and the insurance company would get to work.

What are the 3 things renters insurance provides you with and what purpose does each of them have? ›

Renters insurance covers personal property, personal liability, medical payments and additional living expenses or loss of use, up to the limits of your policy. Learn more about what renters insurance covers and the types of renters insurance coverages.

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