Pre Header “WE BUILD RELATIONSHIPS”  847.258.5310

 



  • Home
  • Get A Quote
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
      • Auto Repair Quote Form
      • Auto Body Shop Quote Form
      • Apartment Quote Form
      • Manufacturing
    • Construction
    • Group Health
    • HealthImage of right arrow
      • Long Term Care Insurance Quote
      • Individual Health Insurance
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowner Flood Quote Form
    • Life
    • Medicare
    • Restaurant
    • Vision
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Other
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Free Reports
    • Insurance Glossary
    • Frequently Asked Questions
    • News Center
  • About Us
    • About Heil and Kay Insurance Agency Inc.
    • Location Map
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Get a Quote
Interested In
Zip Code
Insurance Options
 
Browse through a variety of the best insurance options now...Get Started
Business Insurance Options
 
Browse through a variety of the best business insurance options...Get Started
Employee Benefits Options
 
Browse through a variety of the best employee benefits options...Get Started
Personal Insurance Options
 
Browse through a variety of the best personal insurance options...Get Started
Specialized Industry Options
 
Browse through a variety of the best specialized indurstries options...Get Started
Quick Links
Home > Blog > Home Insurance Coverage & Appliances
WEDNESDAY, JULY 4, 2018

Home Insurance Coverage & Appliances

More and more local homeowners throughout the Chicagoland area call us with questions regarding what their new homeowners insurance policies cover. One of the most common item that homeowners don't think of is their home's appliances.....that is until that appliance fails to work.


When Does Home Insurance Cover Appliances? 

You don't have to cook everyday to still heavily rely on your home appliances every day. When they fail to work, it can be expensive to repair them. In some situations, home insurance may offer some financial help. However, routine maintenance is often not a coverage on standard homeowners insurance policies. Why your appliance fails or otherwise causes financial loss plays a big role in whether you have coverage.

What Caused the Loss?

If a covered peril caused your appliance to fail, home insurance may help you to repair it or replace it. A covered peril is a type of event that insurance policies typically cover. This usually includes things like fires, windstorms, lightning and theft. For example, if your washing machine shorts because of a lightning strike, your insurance policy may offer support. If your refrigerator stopped working and the food within it spoiled due to a storm-related outage, your policy can help. It might help you replace both the fridge and the food.

When Appliances Do Not Have Coverage

Still, there are situations in which your appliances do not have insurance coverage. Most of the time, this involves any situation where normal wear and tear caused the problem. It does not replace appliances that are older that just need replacement. It also does not cover any incident in which negligence caused the damage. An example of this might be someone intentionally damaging the washer if that person lives in your home.

Also, there are further limitations on most policies. For example, most policies do not cover a power surge, unless that is due to lightning. Some policies have exclusions for all appliance repair or replacement. Check with your insurance agent to determine how your policy covers each unique item.

What Will It Do

If you have damage to your appliances you feel have coverage, call your home insurance agency. Discuss your situation with your agent. He or she will help you file a claim. Look at the details of your policy. Some will provide actual value coverage while others offer replacement coverage. In actual cash value, you get a reimbursement for the value of your appliance at the time of the incident. With replacement coverage, the policy will pay you enough to replace the appliance.

Our team of insurance agents are available to help you determine if it is possible to file a claim. Unless an unavoidable hazard damages the appliances, you may be responsible for those losses on your own.

Posted 12:56 PM

Tags: homeowners insurance, homeowners insurance policy, homeowners insurance coverages, home appliances & insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2018
  • 2014
  • 2013

  • business insurance(7)
  • homeowners insurance policy(6)
  • homeowners insurance(6)
  • commercial insurance(5)
  • auto insurance policy(4)
  • cyber liability insurance(4)
  • workers compensation insurance(4)
  • commerical insurance(3)
  • commercial auto insurance(3)
  • insurance(3)
  • auto insurance(3)
  • liability insurance(2)
  • commerical auto insurance(2)
  • cyber insurance coverage(2)
  • recreational vehicle insurance(2)
  • life insurance quotes(2)
  • cyber insurance(2)
  • business owners policy insurance(2)
  • commerical property insurance(2)
  • data security insurance policy(2)
  • homeowners insurance coverage(2)
  • michelin(1)
  • internet of things exposure coverage(1)
  • certificate of insurance(1)
  • workers' compensation insurance coverage(1)
  • cyber protection(1)
  • cyber liabiltiy insurance(1)
  • cyber security insurance(1)
  • telematics(1)
  • windstorm insurance coverage(1)
  • water damage insurance coverage(1)
  • commercial auto insurance policy(1)
  • open perils coverage(1)
  • homeowners insurance enhancments(1)
  • commercial insurance policy(1)
  • live insurance(1)
  • health insurance policy(1)
  • bop insurance policies(1)
  • data insurance(1)
  • liability insurance coverage liability insurance policy(1)
  • travel insurance(1)
  • homeowners flood insurance(1)
  • marketing advice(1)
  • nfip(1)
  • employee comp insurance(1)
  • slips and falls insurance coverage(1)
  • medicare eligibility(1)
  • liability coverage(1)
  • employers liability insurance(1)
  • workers(1)

View Mobile Version

 

  Our Site Links
Home Page
Who We Are
Map & Direction
Get A Quote
FAQ
News Center
Contact Us
    Type of Insurance
Business Insurance
Employee Benefits
Personal Insurance
Specialized Insurance
Insurance Glossary
Policy Review
     Get Connected with Heil & Kay
               
 

IRA Website