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Does home insurance cover dishwashers?
I just bought and installed a new dishwasher. It got me thinking about my current coverage—does home insurance cover dishwashers?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on the new dishwasher. We’ve got good news, appliances are covered by homeowners insurance as long as a covered peril causes the damage.
Homeowners insurance offers coverage for more than just the physical structure of your home. It also covers your possessions and appliances, which would include your dishwasher.
However, the reason for replacement will determine whether or not your dishwasher is covered. The damage must be caused by a
named peril
. Named perils are sudden, unexpected events that can cause damage and losses to your home or property. All the perils you’re covered for will be listed on your policy.Some common named perils include:
- Fire
- Storms
- Falling objects
However, if the dishwasher needs to be replaced due to wear and tear, mechanical failure, or age, it won’t be covered.
You can read over your policy’s terms and conditions or reach out to your insurance provider to confirm any other coverage your appliances may have under your home insurance policy.
If you want to upgrade your homeowners insurance (or find a cheaper price), you need to download
Jerry
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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