Homeowners insurance covers appliances when they’re damaged by a covered peril like fire, lightning, or theft. It does not cover mechanical breakdown or normal wear — a home warranty covers those.
Sometimes Covered
By the Home & Dime Editorial Team · Updated 2026
Covered
- Appliances destroyed by fire, lightning surge, or theft.
- Damage from a covered water event.
Not covered
- An appliance that simply stops working (breakdown).
- Age and wear.
Common exclusions
- Mechanical/electrical breakdown
- Age and normal wear
- Manufacturer defects (warranty)
State considerations
Coverage is the same nationwide, but a home warranty (which covers breakdown) is a separate, optional product to consider.
Claim tips
- Determine the cause — peril vs. breakdown.
- Photograph the damage.
- Check your personal-property limit and deductible.
Frequently asked questions
Does it cover a broken washer?
Only if a covered peril broke it, not breakdown.
What covers appliance breakdown?
A home warranty.
Related guides
- Does homeowners insurance cover HVAC?
- Does homeowners insurance cover a water heater?
- Insurance glossary
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
← Homeowners Insurance: full guide · All homeowners insurance guides · Deductible calculator · Glossary
Leave a Reply