Washing machine coverage

Washing machine coverage is a subset of personal property insurance that reimburses policyholders for repair or replacement costs if their washing machine suffers damage from covered perils such as fire, theft, or certain types of water damage. Homeowners policies typically cover washing machines under Coverage C (Personal Property), with average limits ranging from $50,000 to $100,000 for all belongings according to the Insurance Information Institute.

Insurers exclude mechanical breakdown and wear-and-tear from standard homeowners coverage; only sudden and accidental events like pipe bursts qualify. Floods and earthquakes are not covered unless you purchase separate flood or earthquake insurance endorsements–FEMA reports less than 15% of Americans have flood insurance.

Claims require proof of loss such as receipts or photos; insurers may apply depreciation based on actual cash value unless you buy replacement cost coverage. Deductibles usually range from $500 to $2,500 per claim depending on your policy terms, per Your Insurance Info.

Renters insurance also covers tenant-owned washing machines against similar risks but excludes landlord-supplied appliances; Lemonade and State Farm both list this in their sample renters policies. Extended warranties or appliance protection plans sold by retailers like Best Buy provide additional mechanical breakdown protection not included in homeowners insurance.