If your appliances are damaged or destroyed in a plumbing peril that is covered by your home insurance policy, such as a burst pipe, they will likely be covered as part of your claim. If you are concerned about replacement costs for any of your appliances, you may want to evaluate your personal property coverage with your insurance agent to ensure you have enough coverage. Another option for additional appliance coverage is equipment breakdown insurance. This endorsement pays for appliance repairs or replacement following a mechanical breakdown.