Should You Buy Insurance For Your Appliances?

Home appliances are a crucial part of our daily lives and make our lives much more convenient and comfortable. However, these appliances are not immune to breakdowns and can be quite expensive to repair or replace. This is where appliance insurance comes in. But is it worth it to purchase insurance for your kitchen appliances?

First, it's important to understand what appliance insurance covers. Typically, it provides coverage for repairs or replacement of appliances in the event of mechanical breakdown or accidental damage. This can include things like a fridge that stops working, a dishwasher that leaks, or a stove that won't turn on. Some policies may also include coverage for accidental damage, such as if you accidentally dropped your microwave and it broke.

Before deciding to purchase appliance insurance, it's important to review the terms and conditions of the policy to ensure that it meets your needs. Many policies have exclusions and limits, so it's essential to understand what is and isn't covered. Additionally, you should consider the cost of the insurance in relation to the value of your appliances. For example, if you have a high-end kitchen with expensive appliances, the cost may be justified. However, if you have more basic appliances, the cost of insurance may not be worth it.

Another important consideration is if your home contents insurance already covers appliances. Many policies include coverage for appliances as part of the overall contents plan, so it's worth checking before purchasing additional insurance. Additionally, some home warranty policies may also cover appliances, so it's worth exploring all options before deciding.

With Home Emergency Assist, you can cover up to 10 of your most important kitchen appliances against mechanical or electrical breakdown along with accidental damage. We can provide cover for:

• Fridge/freezer

• Oven/hob

• Hood/extractor fan

• Dishwasher

• Microwave

• Wine cooler

• Washing machine

• Tumble dryer

• Freestanding cooker