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Insurance for appliances bridges the gap between home insurance and your appliances’ warranties.
Contents insurance usually does include some level of cover relating to white goods, like accidental damage or theft, but often doesn’t cover things like mechanical breakdown and the cost of getting someone out to repair a faulty machine.
Most appliances come with a manufacturer’s warranty of at least a year. When you purchase the appliance, you are often offered the option to extend the warranty past that initial first year period. This might be tempting, but you can actually get better value and a more comprehensive cover with a standalone domestic appliance insurance policy than with a warranty extension.
The specifications of the policy will vary by provider, but home appliance insurance usually includes the following elements:
Again, this will vary by provider and cover level on offer, but appliance insurance usually excludes:
To avoid any nasty shocks, make sure you read your policy documents carefully and know what is and isn’t covered.
This is also likely to vary between policies, but appliances that can be covered by this type of insurance usually include:
Some of your appliances might be covered under your contents insurance policy, but the cover might not be sufficient.
Kitchen appliances in particular are often covered under home insurance policies for damage or loss due to incidents like theft, fire, storms and water leaks. Some policies also offer the choice to add accidental damage as an optional extra.
However, most contents insurance policies don’t include mechanical damage or emergency call-out charges in their cover, which can be expensive.
All you need to know about new contents insurance company Getsafe, including what’s covered under the policy and how to make a claim.
Flood insurance cover is essential if you live in a high-risk area, but can also be a lifesaver if your property is damaged by a storm or burst pipe. Find out what is and isn’t covered.
Working from home and worried about your home insurance? Find out how to stay covered without invalidating your policy, including if you run a business.
Personal possessions insurance protects your valuables, like phone, jewellery or bike, while you’re away from home. Find out how to get the best value cover.
Urban Jungle offers three kinds of policy: contents insurance, contents and buildings insurance and tenants’ liability, all created with renters in mind.
A comprehensive list of home insurance companies in the UK.
Aviva landlord insurance is designed to protect your property inside and out. See how it measures up in our review.
Insurtech buzzvault aims to save customers money on their home insurance by using a video survey and a digital “vault” of their possessions.
If you study away from home, read our guide to find out whether you need student contents insurance.
You can save money on electronics insurance with these Simplesurance discount codes.
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