Will home insurance cover a cracked TV screen?

My daughter accidentally threw a Wii remote while playing a video game and it hit our TV. The screen is cracked. Will home insurance pay to fix or replace the TV?

Answer provided by
Alexah Grinnell
Answered on Apr 06, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
“If your insurance policy includes “”open-perils”” coverage (also known as “”all-risk”” coverage), it may pay to fix or replace your broken TV. Under open-perils coverage, anything would be covered other than specific exclusions listed on the policy.
However, it generally does not make sense to submit small claims like this on your homeowners insurance, as they may cause your insurance rates to increase over time with little benefit. “

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