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Does home insurance cover a broken fridge?
Our fridge finally kicked the bucket. We had been expecting it at some point, but don’t have enough saved to purchase a new one. Now, we’re not sure what to do. Would our home insurance cover a broken fridge?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your fridge! These things always happen at the least convenient times. Home insurance may cover a broken fridge, but the cause of damage needs to be from a
covered peril
. Covered perils in standard home insurance policies are things like:
- Fire
- Theft
- Smoke
- Vandalism
- Freezing
- Falling object
- Wind
- Hail
- Lightning
Exclusions normally on home insurance policies are:
- Age
- Wear and tear
- Lack of maintenance
- Lack of care
- Negligence
Since you expected your fridge to go out soon, it likely stopped working due to its age or normal wear and tear. Home insurance won’t cover these situations as they are preventable.
That said, you may still have options. If you haven’t already, consider looking into your fridge’s manufacturer’s warranty. Many companies have extended warranty periods, meaning they may repair your broken fridge or replace it.
Another option is if you have home warranty insurance. Home warranty insurance is a separate policy through specialized companies that protect your appliances from damage that’s more common.
Finally, if you’re looking for a way to save some extra money for a new fridge, download
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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