Does Renters Insurance Cover Broken Stoves? (2024)

On This Page:

  • When Broken Stoves Are Covered
  • When Broken Stoves Are Not Covered
  • Need Coverage for Broken Stoves?
  • Where to Buy Renters Insurance
  • When Broken Stoves Are Covered
  • When Broken Stoves Are Not Covered
  • Need Coverage for Broken Stoves?
  • Where to Buy Renters Insurance

Your policy covers a variety of items and events, but if you’re wondering if renters insurance covers a broken stove, the answer is no. However, purchasing additional coverage for equipment breakdown is one possible solution to cover the cost of a malfunctioning stove or oven.

Several insurance companies offer this endorsement as part of their product portfolio. For instance, you can explore offerings from Lemonade, Toggle or Gallagher. Travelers — one of the best renters insurance companies MoneyGeek identified — also offers it.

Adding equipment breakdown insurance can come in handy because it extends to various appliances and electronic devices. Besides ovens, these include air conditioners and television sets. MoneyGeek’s guide on renters insurance can give you a better idea of what it does and doesn’t cover.

Does Renters Insurance Cover Broken Stoves? (1)

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Stoves are common household appliances and come in most homes for rent. However, a standard renters insurance policy won’t cover costs if it needs repairing or replacement. The best way to protect yourself against this and similar expenses is to purchase additional coverage for equipment breakdown.

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When Does Renters Insurance Cover Broken Stoves?

Whether renters insurance covers costs related to a broken stove depends on the cause of damage. With most renters insurance policies, you’re protected if your stove is damaged by fire, theft or vandalism. However, if it stops working because of an electrical or mechanical failure, you’ll only get coverage if you purchased an endorsement, specifically for equipment breakdown.

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Remember that even if your landlord has homeowners insurance, their protection applies to the home’s structure and your landlord’s property, not to yours.

Renters insurance coverage generally extends beyond broken stoves, helping pay for damages to your belongings up to your policy’s limits. For example, if an explosion damages your rented property and some of your belongings (including your oven), renters insurance can help pay for general repairs or replacement.

When Doesn’t Renters Insurance Cover Broken Stoves?

If your stove breaks down due to electrical or mechanical failure, your renters insurance policy won’t cover it. Instead, an equipment breakdown endorsement can help you with the repair or replacement expenses.

Like all appliances, stoves wear and tear over time. If it stops working due to extended use or poor maintenance, not even an endorsement will cover it. This includes damages from mold or pests that result from neglect.

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Do You Need Coverage for Broken Stoves?

Extending your renters insurance coverage to include a broken stove can come in handy — you never know when an unexpected power surge could strike. Repairs for major appliances can be costly and buying a replacement even more so. Below, MoneyGeek details other reasons why having coverage for broken stoves is advantageous.

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Where to Buy Renters Insurance

It’s easy to find providers offering renters insurance. You can purchase it from most major companies, such as State Farm and Travelers. Smaller companies like Toggle and Lemonade carry it, as well. The average cost of renters insurance is around $13 per month, but several factors affect the actual cost.

Rates often vary between insurance companies, so it’s best to compare renters insurance quotes to ensure you get the best deal possible. An important factor is the amount of personal property you own. MoneyGeek’s personal property calculator can help you determine how much coverage you need based on your possessions.

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About Mark Fitzpatrick

Does Renters Insurance Cover Broken Stoves? (2)

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

Does Renters Insurance Cover Broken Stoves? (2024)

FAQs

Does Renters Insurance Cover Broken Stoves? ›

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.

Does renters insurance cover stove damage? ›

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. Some policies may also cover: Television sets.

Which one of the following is not covered by renter's 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.

What does renters insurance not include? ›

Your personal property, personal liability, additional living expenses, and guest medical expenses are usually covered under your renters insurance. It typically does not cover earthquakes, floods, bedbugs, mold, or damage to the exterior of the building.

Are kitchen appliances covered by contents insurance? ›

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.

Does renters insurance cover electrical issues? ›

Renters insurance covers power outages. It's part of the standard policy coverage, so you will not pay extra to take advantage of this coverage. Keep in mind that at-fault power outages are not usually covered; only outages caused by named perils.

Is a washing machine covered by renters insurance? ›

Renters insurance provides robust coverage for all of your belongings, including common household machines and gadgets. Make sure you've experienced a covered event and collected ample documentation before filing a claim with your insurer.

What are 5 different events that would cause losses that would be covered by renters insurance? ›

Things like theft, fire, vandalism, some types of water damage (such as from burst pipes), a windstorm, and so on. (These are what's known as 'named perils' in insurance speak.)

What are the three major parts of a renters insurance policy? ›

Renters insurance has three basic coverage components: personal possessions, liability, and additional living expenses.

Which of the following should be covered by renters insurance? ›

Renters insurance is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property.

Does renters insurance cover broken windows? ›

Broken Windows in Your Home

Renters insurance will not cover a broken window in your own residence. Renters insurance only covers your personal property, not the home. Damage to the physical structure of the building you live in, which includes a broken window, is covered by your landlord insurance.

How does a renters insurance deductible work? ›

How does a deductible work for renters insurance? Renters insurance deductibles are applied the same way as homeowners and condo insurance deductibles. If you file a claim on a covered loss, your insurer will pay you the amount above your deductible, up to your policy's limit.

Is lemonade renters insurance good? ›

After reviewing more than 20 of the largest renters insurance providers in the country, our team rated Lemonade 4.6 out of 5 stars based on our in-depth methodology.

Does home insurance cover a broken oven? ›

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.

Are ovens covered under contents insurance? ›

Yes, white goods are covered under contents insurance. However kitchen worktops are considered 'fixtures' and therefore covered under buildings insurance. With contents insurance, your white goods will be covered for risks such as: Fire, explosion and smoke damage.

What type of policy covers the cost of repairing many of the home's appliances if they break down? ›

Many consumers try to protect themselves from costly repairs of their home's appliances or systems (such as electrical, plumbing, and HVAC) by purchasing a home warranty. Home warranties also are called “home protection contracts” in the California laws that regulate home warranty companies.

Does renters insurance cover a microwave? ›

Renters insurance only covers broken appliances if they break due to a covered peril, such as a pipe bursting and causing water damage or a hurricane destroying them. Unfortunately, broken appliances aren't covered if they break due to normal use, wear and tear, human error, malfunction or any similar event.

Does homeowners insurance cover kitchen fires? ›

At the time of a kitchen fire, your homeowners insurance will generally cover the damage. However, your insurance company will need to know what caused the fire in the first place. In some cases, it may be the result of an electrical fire.

Does renters insurance cover spoiled food from a broken fridge? ›

Renters insurance can cover the food in your fridge

But before you start to make a new shopping list (and ideally after you've cleaned up the evidence), check in with your insurance agent: Food spoiled because of a power outage or failed appliance should be covered as personal property.

Does renters insurance cover fireplaces? ›

If you decide to rent out a unit with a fireplace, require renters' insurance. This will ensure that any potential damage caused by the fireplace will be covered under either the tenant's insurance or yours.

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