Does Home Insurance Cover Appliances? 
Home Insurance may cover appliances in home ; there are 2 types of appliances , those that are fitted and those that are free standing . Fitted appliances constitute part of the Dwelling Coverage on the home insurance policy , whereas , free standing appliances may be covered under the Personal Property Coverage on the home insurance policy . The perils covered under a home insurance policy must be reviewed regarding the damage to the appliances . For example , Fire , Smoke , Lightning & Water damage may be covered on the policy which would also carry forward to the appliances . Regarding free standing appliances , the policy must afford coverage for Personal Property . If this question was intended for the reason of upkeep and maintenance of appliances , home insurance policies are not intended to repair or replace appliances due to maintenance and/or breakdown . Home insurance is intended for sudden and accidental losses which could cause financial hardship to the homeowner . If you wish to cover your appliances , you may wish topurchase a Home Warranty Contract from a small handful of carriers who offer a maintenance contract ; in this case , you will pay an annual premium as well as a Service Charge for each call when a repair company is dispatched to take care of a covered maintenance situation . If your question was indeed regarding perils covered on a homeowners policy , you may wish to contact your local agent and review the coverage on your policy or WEBSITELINK and we 'll be happy to review your coverage for you at no charge . 