Are Stoves Protected under Dwelling Coverage?

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Man cooking (Photo: @criene via Twenty20)
You bought all the ingredients for a new recipe that you’re sure is going to wow your family … but then you go to turn your stove on and nothing happens.
If you find yourself in this situation, do you know what coverage your stove falls under on your homeowners insurance policy? And, more importantly, do you know when your insurer will payout for a broken or damaged stove? Here’s what you need to know.

Are stoves protected under dwelling coverage?

No, stoves do not fall under dwelling coverage because they are not a structural (or built-in) element of your home like your HVAC, roof, foundation, etc.
Your stove falls under personal property coverage (or Coverage C) of your homeowners insurance policy because it can be unplugged and carried away from your home with relative ease. In other words, it isn’t attached to any of your home’s major systems like the plumbing.

When would my homeowners policy cover a broken or damaged stove?

If your stove was damaged by a covered peril on your homeowners insurance policy, you will likely be reimbursed for replacement or repair.
However, most perils are limited to unexpected and unavoidable occurrences, like inclement weather, fire, and vandalism. For instance, a fire caused extensive damage to your kitchen and broke your stove, you would probably qualify for coverage.

When would my homeowners policy not cover a broken or damaged stove?

If your stove is broken by a peril that isn’t listed in your HO policy, the repair or replacement cost won’t be covered.
As mentioned earlier, homeowners insurance usually only applies to the unexpected and avoidable, which means malfunctions and damage caused by normal wear will not be covered.
That means if your stove is close to the end of its useful life and it suddenly stops working, the cost of repair or replacement will fall on the homeowner. Likewise, if you are responsible for damaging your stove, you will also be responsible for the cost.
However, you may have coverage if you have paid for additional home repair insurance, home appliance insurance, or equipment breakdown coverage.

When should I consider a home warranty?

If your insurance company isn’t providing you with the coverage you need, consider a home warranty policy. A home warranty will protect you from shouldering a big financial burden if one of your major appliances or home systems, like air conditioning, hot water heaters, or washing machines, suddenly breaks.
It’s also a good idea to check your stove’s manufacturer’s warranty. It could still apply for repair or replacement.