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Often times we get asked by our clients this question: “Does my homeowners policy cover my heater if it breaks?”  You could insert any major appliance where the word “heater” is and we’ve probably been asked that question, too.  So, to summarize all those questions into one broader question that we’ll address in this blog post, does my homeowners policy cover my appliances if they breakdown?

The short answer most times is a resounding “no”.  Contrary to popular belief, homeowners policies are not intended for maintenance (pardon the soap box) but are instead there for the catastrophic.  Appliance (or in insurance-speak “Equipment”) breakdown coverage is best met through either a proactive approach via regular maintenance or reactive approach via a home warranty (which in and of itself has its limits). 

All this to say that now there is an insurance company who will give homeowners the option of equipment breakdown coverage, and we’ve recently started working with them.  Safeco Insurance out of Seattle, WA has recognized the need homeowners have to protect not only the structures that house appliances, but the appliances themselves (subject to the deductible).  This coverage applies to equipment such as:

·         Washers & dryers

·         Computer & peripheral equipment

·         Dishwashers

·         Freezers

·         Garbage disposals

·         Heat pumps

·         Home Security Systems

·         Refrigerators

·         Ovens & microwaves

·         Swimming pool equipement

It’s always important to know exactly what we do and don’t have coverage for.  Give us a call today to see if you have the coverage you need for these appliances.

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