The majority of the homes are now packed with different types of appliances and gadgets. Starting from tumble dryers and washing machine to PCs and dishwashers and home entertainment systems, the list is just endless. But with so many labor saving or time saving devices in the homes, are you properly insured if things go wrong?
While it comes to insuring in general, this can be really confusing to figure out things that you are covered for and how much you have to pay out of your pocket in case something breaks or gets damaged. The homeowners insurance is one of the most confusing types of insurance policies to figure out as this is really difficult to mention accurately what the things that you own is covered. So, if you have the question does home insurance cover appliances or the homeowners insurance cover appliances, then the answer is that there are some more specific insurance policies available to take care of the home appliances and systems like as the appliance insurance.
While the homeowners insurance just covers the appliances in some specific situations and this covers just some appliances, but the appliance insurance covers the washer dryers and other essentials irrespective of how these fail.
How does the appliance insurance work?
First and foremost, much like other insurance plans, the appliance insurance doesn’t cover any pre-existing conditions. But, while the homeowners insurance just covers fire or theft damage, the appliance insurance covers the home appliances or systems that break down because of the daily wear and tear. Therefore, it is always advisable to check the list of exclusions on the insurance policy to make sure of the things that you are covered for.
In case any home appliance or system breaks, then the first step will be to call the home appliance insurance provider and file claim. After confirming the request, you will get an appointment set up by the insurance provider with one approved contractor. A certain amount of service fee is collected at this point to decide as well as to sort this issue out.
But before deciding a policy, it is necessary to exactly check what this plan actually covers along with the reputation of the service provider from which you are planning to get this plan. Go through the fine print thoroughly, check the hidden details and verify whether the broken appliance would be repaired or replaced in case any problem arises.