Does home owner's insurance cover all of your appliances?

Answer 1

Yes, appliances, furnishings and other permanent fixtures of the home are generally covered under the unscheduled contents portion of your home insurance policy up to the specified limits for contents.

Appliances are covered for the same perils that the rest of the house is covered for, Typical covered perils are Fire, wind, hail, theft, etc.

Bear in mind that your home insurance policy does not provide warranty for appliances. They must have been in good working order and damaged by a covered peril to be eligible for coverage.

Answer 2

Usually but only for the perils named in the policy. If the motor goes out on your refrigerator due to old age they won't pay for the replacement.