Why Homeowners Insurance Doesn’t Cover Appliance Problems—and What You Can Do About It

Does Your Home Warranty Include Appliance Coverage?

Homeowners insurance is a crucial safety net, offering protection against disasters such as fire, theft, vandalism, and some types of water damage. However, many homeowners are surprised to learn that this type of insurance doesn’t typically cover problems with home appliances or systems caused by normal wear and tear. When your refrigerator suddenly stops working or your air conditioner fails in the middle of a heatwave, homeowners insurance likely won’t come to your rescue.

That’s because standard homeowners insurance is designed to protect your home and belongings from unexpected or accidental damage—not routine breakdowns. So, if your washing machine floods due to a sudden malfunction, you may be covered for the resulting water damage, but not for the repair or replacement of the machine itself. This leaves a significant gap in protection, especially for homeowners with aging appliances or complex home systems.

To fill this gap, many homeowners are turning to home warranty plans, which provide dedicated appliance coverage and peace of mind. A home warranty is a service contract that helps cover the cost of repairing or replacing major home appliances and systems that fail due to regular use over time. This can include coverage for items such as dishwashers, ovens, garbage disposals, water heaters, HVAC units, and even plumbing and electrical systems.

Unlike insurance, a home warranty focuses on keeping your home running smoothly by handling everyday breakdowns that come with homeownership. Instead of scrambling to find a repair technician and footing a hefty bill, you simply contact your home warranty provider, who will arrange for service and cover the approved costs—minus a small service fee.

An appliance protection plan from a reputable provider can save homeowners hundreds or even thousands of dollars each year. It’s especially beneficial for homeowners who have recently purchased a home and aren’t sure about the age or condition of the appliances and systems included. Instead of worrying about what might break down next, they can relax knowing their home warranty has them covered.

One standout provider in this space is HomeGuard HomeWarranty (HGHW.com). HomeGuard offers comprehensive home warranty plans tailored to the needs of today’s homeowners. Their plans provide robust appliance coverage, access to trusted service technicians, and fast, reliable service when issues arise. Whether you’re a first-time homeowner or a seasoned property owner, HomeGuard’s plans are designed to offer convenience, protection, and real financial value.

Choose a Home Warranty with Appliance Protection Plan

HomeGuard HomeWarranty stands out for its commitment to customer satisfaction, affordable pricing, and flexible appliance protection plans. Their experienced network of service professionals ensures that your home stays in top condition without the stress of unexpected repair bills. When it comes to protecting your home’s essential systems and appliances, HomeGuard HomeWarranty offers the coverage and confidence every homeowner deserves.