Home Appliance Insurance

Home Appliance Insurance is increasingly becoming more popular the idea of ​​securing the contents of the house, especially in regard to household or also known as electrical appliances. Insurers are the ones responsible for safeguarding the different appliances that the person wants to ensure against any loss.


When we have determined what we want to ensure appliances are and be ready to sign a contract with the insurer, it is your duty to read the letter all exclusions and the "small print" of the contract, it is necessary to know the cases in which the insurer to indemnify and what situations or promises appliances are not covered in the policy to subscribe. You can use a comparison of home insurance that you search for the one that suits you.

On coverage

There is also coverage for appliances that are not more than two years, this means that the policyholder may determine the value of the property (with proof of payment) whose age does not exceed two years from the date of commencement of the term the contract. In that case, there will be no depreciation for normal use of the appliance. As it happens suddenly, when the accident happened is given, the appliance does not exist or has been discontinued, is when the insurer will take the sales value and seek one under similar conditions.

The policyholder home appliance can choose to receive cash compensation or want a replacement. Another case are the appliances that have more than five years since the policy specifies that a deduction will be made for natural use or depreciation since the beginning of the term of the policy, except computers and hardware, among others.

Can you find an insurer that will offer a spread sure. There are some companies that can get you to cover repair malfunctioning appliance that has insured labor and even the spare parts, if you specify in the policy. Keep in mind that you must be within the coverage offered by the official manufacturer. There are some cases where you can not fix the damage, and insurance you can replace a percentage of the value of the product you have insured and has suffered the loss.

We hope all these tips and explanations you have instructed on the purchase of home insurance that includes appliances and to protect them from various situations to which we are exposed.