What better time for your oven to give way to the pressures of being old than the day before your grand dinner party? You have dozens of guests who are counting on a hot meal to come from your kitchen, and your oven has decided that it no longer desires to fire up. You have to find another way to make your dinner party a success, which means that you will not have the funds to buy a new oven.

Will your homeowner’s insurance policy cover the event? Read on to find out! Contact an agent from The Shay Agency in Wilkes-Barre, PA to learn more about what is and is not covered by your homeowner’s insurance policy.

Does a homeowner’s insurance policy cover appliances?

The average homeowner’s indemnity plan will only pay for damaged or broken appliances that fall prey to severe storms or other things that damage the overall structure of your home. The roof caving in on your oven would make it eligible for replacement under your homeowner’s insurance plan. 

Unfortunately, normal wear and tear are not typically counted as events covered by your standard homeowner’s insurance policy. There are, however, instances where you can purchase an add-on that pays for an old oven so long as the appliance came with the home. Of course, your residence may not qualify for such added coverage if it was sold to you as a fixer-upper. There is also the option of purchasing umbrella insurance that covers everything from worn appliances to broken laptops. 

Call The Shay Agency for Your Insurance Needs!

The agents at The Shay Agency in Wilkes-Barre, PA have been in the business of finding the right homeowner’s insurance policies for its customers for many years. Contact us today to get a quote and have your questions answered!