Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 7, 2012

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Insurance Question from Antonino, KS

Asked on 08/07/2012

Is their a rider available on homeowner’s insurance that covers mechanical failures such as a 10-year old heating/air condtioning system that wears ou Is there a rider available on my Amica homeowner's policy that covers mechanical (such as heating/air conditioning units, washers/dryers, kitchen appliances) failures?

Answer given on August 07, 2012

The homeowner policy is intended to protect the owner from “sudden and accidental” damage to your home and or personal property. It is not intended to be a maintenance policy for your appliances, plumbing or general maintenace of the home. The policy contains specific exclusions for such damages which includes no coverage for termites, slow leaks or mechanical breakdowns. Some coverage is provided for leaking pipes or water damage by an appliance, but not for the pipe or appliance itself.When you purchase an appliance you are sometimes able to buy an extended warranty on the appliance. It can sometimes be renewed after the original extended warranty expires. If you purchase a home, even if it is an older home, you can sometimes get a home warranty policy which would cover appliances. You should check into this possibility. The best way to make sure there is no problem from your heating system or appliances is to maintain them with annual checkups by a professional.


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