Does Home Insurance Cover Dishwashers?

Sometimes dishwashers are covered by homeowner's insurance, and sometimes they are not. It depends on the cause of the dishwasher damage.

As with all home appliances, a dishwasher is taken for granted until it breaks. Without a dishwasher, post-meal cleanup can feel like a second chore.

In addition, a faulty dishwasher might result in much more than a few more dishes to wash. A leaking dishwasher could cause water damage to other areas of your home if it becomes damaged.

If you ever find yourself in this awful predicament, you should take the quickest action possible to escape it. If your home warranty has expired, you may need to contact your insurance provider to determine whether your policy covers your dishwasher.

Does homeowner's insurance protect dishwashers?

Unfortunately, the answer is neither yes nor no. Whether or not you can file a claim for a damaged dishwasher (or dishwasher-related damage) depends on your coverage and how the damage occurred.

When does homeowner's insurance include dishwashing coverage?

Your insurance policy has a list of covered dangers. These dangers frequently involve unexpected and unavoidable phenomena, such as fires, lightning, and wind. If your dishwasher is damaged by fire or another insured risk, it will be covered by your insurance.

If your dishwasher broke or malfunctioned due to regular wear and tear or intentional damage, it is possible that your insurance will not cover the costs of repairs.

For example, if a loose fork shatters an inner mechanism, your insurance company will likely not cover the repair. Similarly, if your dishwasher's warranty has expired and a part breaks off, it is your responsibility to fix it.

The rule of thumb is that the homeowner is responsible for routine maintenance. When it comes to insurance coverage, though, the sky is the limit.

Consider obtaining supplementary home appliance insurance or equipment breakdown coverage if you want to provide the best protection for your big appliances. But remember, even if you have unlimited coverage, you are still responsible for properly preserving your own property.