It’s easy to take your home appliances and home systems for granted … that is, until they stop working. A broken dryer can have you scratching your head (and making the inside of your home looking like one big drying rack). If you find yourself in this situation, you’ll want to get it fixed as soon as possible. The question is, should you call your home insurance company and make a claim? Do standard policies usually cover dryers?
There aren’t many yes’s and no’s when it comes to insurance, so prepare yourself for many might’s and maybe’s ahead.
Your homeowners insurance policy might cover your broken or damaged dryer, but it depends on your unique coverage and how the dryer was damaged.
Major appliances like dryers and washing machines are not considered foundational elements of your home so that means they are not covered as part of your dwelling. Instead, they will fall under personal property coverage or additional coverage you may have purchased like equipment breakdown coverage or home appliance insurance.
When your homeowners insurance will cover a broken dryer
The simplest way to find out if your dryer is covered is by checking whether or not it was damaged by one of the covered perils on your homeowners insurance policy. Common perils include weather events, fires, and criminal activity.
Most standard home insurance policies cover unexpected and unpreventable occurrences, whereas damage from normal wear and tear falls on the homeowner. That means, if your dryer was destroyed in a fire, your plan will most likely cover the replacement. However, if the dryer is 12-years past its warranty and suddenly stops working, odds are, the expense will fall on the homeowner.
When your homeowners insurance won’t cover a broken dryer
As mentioned above, your home insurance policy probably won’t cover your broken dryer if it was damaged by regular wear and tear. But there are some other scenarios where insurance won’t cover you, even if you have all the home repair insurance in the world.
For instance, if you or someone in your household damages the dryer, the expense for repair or replacement will fall on you. For example, if you tried to do some DIY electrical work (ill-advised!) and there was a power surge that fried your dryer, you would not be covered under your home insurance policy.
You will also not be covered for perils that are not listed under your policy. For instance, if you don’t have flood insurance and your dryer is damaged in a flood (even though the incident was unexpected and unpreventable), you will not be covered.
If you find yourself with a broken dryer and a policy that doesn’t cover it, you might be covered under a home warranty contract. Many property owners opt to purchase a home warranty plan so they don’t have to bear the financial burden if one of their major appliances or home systems — like air conditioning, hot water heaters, garbage disposals — suddenly breaks or stops working.