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Does Renters Insurance Cover Appliances?

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Updated June 27, 2022

If you’re somebody who’s renting rather than somebody who owns, you may find yourself asking, Does renters insurance cover appliances? This is a great question to get you started on more responsible renting practices. It’s also a great question to ask if you have just invested in a top-rated vacuum cleaner. Keeping your rental property protected with an excellent policy can save you a lot of time and money. This is especially true when you experience an appliance failure that could result in thousands of dollars in property damage.


  • Most renter’s insurance policies will cover appliances so long as you choose the right insurance company to go through.
  • Choosing the right company to go through is almost as important as getting insurance in the first place, so make sure to do your research thoroughly.
  • Any company will have several insurance policies available and generally offer customer service or an insurance agent to help you decide which is right for you.

Does Renters Insurance Cover Appliances

In general, yes. Renter’s insurance will typically cover appliance breakdown as well as appliance failure. This will depend on what policy service options you choose, however. It’s essential to do a lot of research into the company you’re looking to protect your property. There are many different options, such as choosing an independent insurance agent rather than going with a big insurance company that doesn’t offer personal service. Also, you may want to do a comparison of home insurance vs home warranty, so you know what the differences are, and so you can sign up for the best.

Insider Tip

Keeping your rental property protected with an excellent policy can save you a lot of time and money.

What Appliances Are Covered

Most of your appliances should be covered. If you’re purchasing a plan that includes appliance-related issues, you shouldn’t have to worry. It never hurts to double-check to make sure, however, with your insurance agent or insurance company. Here is a shortlist of the appliances you can expect to be covered:

  • Washing Machine
  • Dryer
  • Oven
  • Stove
  • Refrigerator

What Voids Renter’s Insurance Policies

Many factors could void your insurance policy, mainly depending on the policy limits. You should always ask your insurance agent in-depth questions regarding what your policy does explicitly and does not cover and how to get all the features you want specifically. For instance, can you void your insurance policy if your health or physical condition (say pregnancy) increases the likelihood of damage to your appliance? Now, this doesn’t mean you can’t vacuum while pregnant, but this is an example of some of the in-depth questions to ask your insurance agent.


Does renters insurance cover water damage from a washing machine?

In general, your insurance company will cover accidental water damage under your renter’s insurance. This might vary from plan to plan, however. Deciding to be cheap regarding renter’s insurance can land you in a world of hurt because you may not have protection.

How do I file a renters insurance claim for appliance-related issues?

You’ll want to follow the instructions of your policy. However, it usually starts by gathering documentation to prove the damage from your appliance. Gathering proof for an insurance claim can mean taking pictures or getting a statement from your landlord if you have one.

Does renters insurance cover water damage from a pipe or appliance?

The insurance company should cover damage from a burst pipe or faulty appliance under your policy. This is one of the essential parts of coverage to look for since both events happen frequently. This is especially true if you live in a climate with multiple seasons since the shift from hot to cold can cause burst pipes.

Does renters insurance cover water damage to a laptop?

If you have an expensive laptop to protect, getting renter’s insurance that covers sudden water damage to electronics is crucial. Some insurers won’t, especially if you choose a plan where this won’t be included.

STAT: Here’s a shocking fact: More than 50 percent of renters are uninsured, according to the Insurance Information Institute. (source)

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