Appliance damage coverage

Appliance damage coverage is a home insurance endorsement that pays for repair or replacement of appliances such as refrigerators, washing machines, and ovens if damaged by covered perils like fire or lightning. Standard policies exclude appliance breakdowns from wear and tear, mechanical failure, or manufacturer defects; only sudden events like power surges are included, per YourInsurance.info.

Insurers like State Farm and Allstate offer equipment breakdown endorsements covering electrical failures in appliances up to $50,000 per incident. Appliance damage claims require proof of loss through photos or receipts showing the affected items’ model numbers and purchase dates.

Coverage limits typically range from $10,000 to $100,000 depending on the insurer’s policy terms. Deductibles for appliance damage usually match your standard homeowners deductible–commonly $500 or $1,000 per claim.

Policies exclude cosmetic issues such as scratches on microwaves but include functional losses like compressor burnout in air conditioners caused by a surge. Filing an appliance damage claim may increase your premium by 9% on average according to Insurance.Com’s 2023 data.