Does Homeowners Insurance Cover Ovens?

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Putting bread in oven (Photo: @ninaidea via Twenty20)
Whether or not a broken or damaged oven will be covered under your insurance policy depends on the coverage you have and how it became broken.
A broken or damaged oven is an inconvenience, to say the least — not to mention, the microwave just doesn’t do your cooking justice.
If your oven becomes damaged or suddenly stops working, the question is, will your home insurance cover it or will you be left paying out of pocket?
Like the answer to 99% of general insurance questions, the answer is, it depends! Here’s everything you need to know about potential coverage if your oven is damaged or broken.

Does homeowners insurance cover a broken or damaged oven?

In rare cases, yes. In most cases, no.
The best way to check if your oven is covered is by checking your coverage overview. It will detail the listed perils and general exclusions of your policy. If your oven was broken by one of the listed perils, you will be covered.
However, if it isn’t listed, and you don’t have additional equipment breakdown coverage, you will likely have to cover the cost of your broken or damaged oven out of pocket.

Examples of when a homeowners insurance policy will cover a damaged or broken oven

It’s important to keep in mind that the covered perils in the standard home insurance policy are usually limited to unpredictable and unavoidable occurrences, like inclement weather, fires, or criminal activity.
Lightning, for example, is covered in most homeowners insurance policies. If your home was struck by lightning and it fried your electrical system, which damaged your oven, your home insurance would likely pay for the repair or replacement.

Examples of when a homeowners insurance policy will not cover a damaged or broken oven

However, most ovens don’t experience death by lightning. Most ovens just get old and stop working, which is a result of general wear and tear. Unless you’ve invested in home repair insurance, your home insurance policy will not cover any damages due to wear and tear. Even if your oven is relatively new and it just stops working, it will not be covered under your home insurance.
Appliances fall under personal property insurance because they are not foundational parts of your home. Therefore, if you want additional insurance for your appliances, you should consider purchasing a home warranty. A home warranty contract covers your appliances or home systems, like air conditioning, garbage disposal, and your hot water heater if they break or suddenly stop working.
Don’t forget to look over your manufacturer’s warranty when your appliance needs repair. Your appliance may still fall within its coverage period.
If your oven breaks, your homeowners insurance plan isn’t likely the place to look for assistance, but that doesn’t mean you’re out of options! A home warranty company or a manufacturer’s warranty may be the key to getting your oven replaced or repaired.