Does Homeowners Insurance Cover Appliances?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Your Homeowners Insurance policy provides protection against losses caused by covered perils named in the policy, or those perils that are not specifically excluded (earth movement and flood for example). If your appliance simply gives out over time due to wear and tear, this would not be a covered peril. If however, your appliance is damaged as a result of a fire, or a power surge caused by lightning to name two examples, then they moire than likely would be coverage in your policy for such damage, subject to your policy deductible. Talk to your Insurance Professional about the terms and conditions of your policy.

   Answered on August 13, 2014

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