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Does renters insurance cover appliances?
My apartment was broken into and a few things were stolen. I’m okay, but I am now without a toaster, coffee machine, and a few other things. I have renters insurance and I want to file a claim for eligible items right away. Does renters insurance cover home appliances?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
With
renters insurance
, you get coverage over your personal belongings while you rent an apartment or home. Household gadgets and appliances are included in this coverage.Appliances are covered in the same ways as your other property. Here are a few common perils covered by renters insurance:
- Leaky pipes
- Vandalism
- Theft
- Fire and smoke
- Wind damage
- Falling objects
As long as it was damaged by a peril named in your policy and not an exclusion, your renters insurance policy should cover damages to your appliances. Your appliances will also need to be in your home at the time of the loss in order for renters insurance to cover it.
If you want to make sure you have the right coverage, download the
Jerry
app to get started. Jerry is a licensed insurance broker and comparison app designed to find the most savings for its users. You’ll get affordable quotes in less than a minute, and you can save even more when you bundle renters with an auto policy!View full answer
- Gregory R.
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