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
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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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