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.

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.

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.

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.

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.

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.

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.

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.)

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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.