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Does my home insurance cover my boiler?
The boiler in my house has been reliable for ages, but it’s getting up there in age. If I need to replace it, will my home insurance cover my boiler?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Good question. It depends on your home insurance policy’s details, but your home insurance might cover damage to your boiler, but only if it’s due to a covered peril.
Covered perils
vary from policy to policy, but these are some common examples:- Fire
- Smoke
- Windstorms
- Vandalism
- Falling objects
- Hail
However, it sounds like you’re saying your boiler is older and may reach the end of its life on its own. In most cases, a
homeowners insurance
policy won’t cover a boiler if it breaks down due to regular wear and tear or age. If you’re unsure about your coverage, reach out to your insurer or read your policy’s terms and conditions.
Depending on your policy’s details, you might decide to look for new homeowners insurance. If so,
Jerry
can help you find and compare quotes from top insurance providers, all in one spot. Jerry can even help you bundle with your car insurance
for additional savings.Getting started takes less than a minute, and the average Jerry user saves $887 per year on car insurance!
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- Gregory R.
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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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