Are Sinks Protected under Dwelling Coverage?
A damaged or broken sink could mean leaks, burst pipes, plumbing issues, water damage, and a hefty plumbing repair bill. At minimum, you’re looking at a pile of dirty dishes you have no way to clean.
Before you consider taking your dirty dishes outside and blasting them clean with your garden hose, you should determine whether or not you can make an insurance claim.
To make a claim, you need to know a few things. First, you’ll need to determine the coverage your sink falls under — dwelling or personal. And, secondly, you’ll need to check if the way your sink became damaged is covered by your policy. Here’s everything you need to know.
Do sinks fall under dwelling coverage?
Yes, sinks fall under dwelling coverage because they are considered a structural part of your home. Structural elements are features of your home that you cannot carry away with you (without going through a lot of trouble). Personal property, on the other hand, applies to items that can easily be unplugged and taken out of the home, like washing machines, fridges, and other major appliances.
When a homeowners insurance policy will cover a damaged or broken sink
Your insurer will cover your broken sink if it was damaged by one of your policy’s covered perils. There are sixteen standard perils:
- Fire and smoke
- Power surges
- The weight of snow and ice
- Wind and hail
- Vehicle collision
- Falling objects
- Volcanic eruptions
- Bursting pipes
- Water damage/ HVAC malfunction
- Frozen plumbing, appliances, etc.
It is important to examine your policy’s covered perils to ensure you have the proper coverage. For instance, many policies do not include flood insurance; therefore, if you live in a flood-prone area, it’s advisable to purchase additional coverage for flood damage.
When a homeowners insurance policy will not cover a damaged or broken sink
If your sink was damaged by a peril that isn’t included in your policy, it will not be covered.
Therefore, if your sink breaks because of neglect, you will be responsible for the cost of the repair or replacement. Negligence includes not performing regular maintenance and ignoring minor repairs. Gradual damage also isn’t covered. Once an item has reached the end of its useful life, you are responsible for replacing it.
Consider purchasing a home warranty
If you think your standard home insurance policy isn’t providing you with enough coverage, it might be a good idea to purchase a home warranty. Home warranties protect you from big financial losses by covering the repair or replacement cost of home systems or major appliances that aren’t included in a standard home insurance policy.