Does Homeowners Insurance Cover Dryers?

Your homeowners' insurance policy could secure coverage for a broken or damaged dryer, but this will depend on your specific coverage and how the dryer has been damaged.

Until your home appliances and home systems cease working, it's easy to take for granted what you have in your home. When your dryer stops working, you may be scratching your brain and transforming your home into one big drying rack.

If you notice yourself in this type of situation, you will want to take care of it quickly to avoid additional damage. The question is, should you contact your homeowner's insurance carrier and file a compensation claim? Is it common for regular plans to cover clothes dryers?

The fact that significant appliances such as dryers and washing machines are not considered core pieces of your home implies that they are not protected as part of your residence. As a result, they will be covered under your property insurance policy or any other coverage you may have purchased, such as equipment breakdown coverage or home appliance insurance.

Is It Possible To Get House Insurance Coverage For A Dryer?

The swiftest and most effective approach to determine whether or not your dryer is insured is to determine whether or not it was damaged by one of the risks covered by your homeowners' insurance policy. Weather occurrences, fires, and criminal activities are all examples of common dangers.

The majority of ordinary home insurance policies cover damage caused by unexpected and unavoidable events, whereas damage caused by routine wear and tear is the homeowner's responsibility. If your dryer is destroyed in a fire, your insurance policy will almost certainly cover the cost of a replacement. However, if the dryer has been in use for more than 12 years and suddenly stops operating, the homeowner will be responsible for the repair costs.

When A Homeowner's Insurance Policy Does Not Cover Clothes Dryers

As previously stated, if your dryer breaks down due to normal wear and tear, your homeowners' insurance coverage is not likely to cover the cost of repairing it. However, there are some situations in which insurance will not cover you, even if you have the most comprehensive home repair insurance policy available.

It is your responsibility to pay for any repairs or replacements if you or someone in your family causes damage to the dryer. For example, you would not be protected under your homeowner's insurance policy if you attempted some do-it-yourself electrical work (which was not recommended!) and a power surge caused your dryer to catch fire.

In addition, you will not be protected from risks that are not explicitly stated in your policy. Suppose you don't have flood insurance and your dryer is damaged in floodwater(even if the incidence was unforeseen and unpreventable), you will not be compensated for your losses.

A home warranty contract may cover you if you find yourself with a faulty dryer and an insurance policy that doesn't cover it. Purchasing a house warranty plan allows many property owners to avoid bearing the financial burden if one of their most significant appliances or home systems, such as air conditioning, water heaters, or garbage disposals, suddenly breaks down or stops performing.