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Home insurance helps financially protect your home and the belongings inside it. Certain coverages can help replace or repair items in your home from perils. Home insurance can also cover accidental damage to someone else’s property or if a visitor gets hurt on your property. In order to fully protect your home, you need to find the best home insurance for your needs. The price of homeowners insurance varies based on factors like coverages selected or features of your home and belongings. The components discussed in this article are important for homeowners. If you are only renting your property, be sure to educate yourself on renter’s insurance. Now that you know that personal belongings are covered, you are probably wondering what that specifically entails.  

What Are Perils? 

Common home appliances together in a group in an empty roomA peril is an event where your home or belongings are damaged. In your insurance policy, the perils that are covered will be listed. The most common perils covered by a typical home insurance policy are:

  • Fire and Smoke
  • Flood
  • Windstorms and Hail
  • Vandalism
  • Theft
  • Water Damage
  • Explosion
  • Lightning Strikes

You must know which perils are covered by your insurance policy. You can obtain a separate insurance policy for perils not listed, such as floods or hurricanes. 

Are Appliances Covered? 

Yes, your appliances are covered! However, some of your appliances may be covered by different features of your policy.  

Personal Property Coverage 

Personal property coverage covers the things you own, for example, furniture, appliances, electronics, and clothing. Appliances that need to be plugged in, such as toasters, TVs, microwaves, refrigerators, etc. are covered. This policy will help pay for replacing or repairing any of these items in the event of a peril occurring. Your insurance will typically pay for the cost of the item at today’s price. It is a good idea to keep an inventory and estimate of what it would cost to replace each of your belongings.      

Dwelling Coverage 

Dwelling coverage is a part of your home insurance policy. It helps repair or rebuild any physical features of your home that may have been damaged. This includes an attached garage, your furnace, and a water heater. If you have an older home, you may need a replacement cost adjustment to replace certain features of an older home with newer materials.  

Other Structures Coverage 

Other structures coverage is also a part of your home insurance policy. This helps repair or rebuild any physical structures that are not attached to your home. This includes a detached garage, a fence, and a heater in your shed.    

When Are My Appliances Not Covered? 

Your appliances are not covered by your home insurance if there are any issues related to the age of the appliance, maintenance, or regular wear and tear. If you are unsure about your policy, contact your insurance agent to clarify. 

Scheduled Personal Property 

A traditional home kitchen with home appliances

Some of your most high-valued possessions may not be covered by your personal property coverage. Scheduled personal property is an add-on that further protects your expensive belongings. Some of your belongings you may want to consider getting covered by this plan are your jewelry, furs, antiques, firearms, cameras, etc. To schedule your belongings, you need to provide your insurance agent with a recent receipt or appraisal.

How to Protect Your Home and Appliances 

The most important way to protect your home and your appliances is by having a good home insurance plan. To prevent any damages to your home, consider having a professional inspect your appliances. They can check your air conditioner and other water connections to appliances to prevent water damages. They can also check heaters and furnaces to prevent any fires or smoke. Contact a plumber to have your plumbing inspected for any corrosion or other damages.  

Learn More About Home Insurance 

Want to hear more about home insurance and how it can protect your appliances? Home & Auto Resources is here to help protect against life’s unexpected events. Home & Auto Resources is an easy one-stop-shop to get all of your information and resources at. Contact us by visiting our website or by giving us a call at (888) 535-2762.


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