16th June 2022
Home appliance insurance provides cover for your appliances and electronics. A policy usually covers any repair, labour, and replacement costs for household appliances, such as:
You can take out cover for one, multiple or even all of your appliances. Homeowners can choose packages like washing machine insurance, dishwasher insurance, and even full home insurance.
Newly purchased appliances typically come with a one-year warranty, which can be extended at an extra cost. If an appliance comes with a warranty, the manufacturer will cover repair or replacement costs as long as there is no accidental damage. However, once a warranty expires, homeowners have no protection from breakdowns. A great solution is home appliance insurance, which can cover the cost of repairs, labour, new parts and even complete replacement.
It’s important to note that home appliance insurance does not cover your boiler. For this, you’ll need boiler insurance. At Hometree, we’ve got you covered. We can repair and protect your boiler if it suffers from a fault. Get in touch, and we’ll get one of our experts to you as soon as possible. With Hometree boiler cover, we protect your boiler year-round, so you never go without heating or hot water.
If you have an existing home insurance or contents insurance policy, you might have some cover. Contents insurance usually protects you from unforeseen damage or theft. However, contents insurance won’t cover the costs of damage caused by wear and tear. Standard contents policies don’t often cover the cost of accidental damage, too. This means you could be charged repair and labour costs you never planned for if your appliance breaks down. That’s where appliance insurance comes in.
Home appliance insurance provides comprehensive coverage for your appliances. Depending on your policy, this could be for one appliance or multiple. If your appliance breaks down, regardless of the cause, the policy should cover:
Whenever you make a claim, be aware that you may need to pay an excess fee. Excess costs vary between different insurance providers, so make sure to check before selecting your policy.
Homeowners should be mindful that not every policy is the same. Home appliance insurance covers repair, new parts, labour and replacement costs as a standard. However, some policies may include particular exclusions or rules. Always read the small print before choosing home and kitchen appliance insurance. Common rules and exclusions include:
You should also keep an eye on the time frame for repairs or replacements. A contract should include information about how long your insurance provider has to resolve a malfunction. The insurance provider is responsible for fixing the problem within this time frame.
Several factors affect the cost of home appliance insurance, such as appliance age, value or chosen insurance provider. Whether you select multi- or single-appliance insurance will also impact how much your home appliance insurance costs. We did a quick online search and found policies for as little as £1.49 per month. Before taking out an appliance insurance policy, we suggest comparing quotes. You can use plenty of online tools to secure the best policy on your budget.
16th June 2022
The answer depends on your circumstances and budget. Home and kitchen appliance insurance isn’t worth it in the first year of a new product. Most manufacturer appliance warranties are complimentary to the product and last a year. This means there’s no additional cost for replacement. Check the manufacturer guarantee carefully to ensure there are no exclusions that could leave you vulnerable to hidden costs.
If the manufacturer offers you an extended appliance warranty, you should find out what is covered and how much it costs. Then, compare it with a selection of home appliance insurance policies and choose the best solution for you!
Some home appliance manufacturers offer cost-free extensions to their initial warranty period. This usually depends on whether or not the customer registers online or by telephone during a specified period. Note that cost-free extended appliance warranties may not provide extensive coverage. For example, new parts may be free of charge, but call-out and labour charges may still apply. If a manufacturer offers a free extended appliance warranty, there’s no reason to say no, but be aware of any hidden costs.
You should also consider the inconvenience of being left without an essential domestic appliance. Insurance companies likely have a list of authorised repairers on record, and since repairers often prioritise policyholders, you may get your repairs done quicker.
Remember, you can only get an extended warranty for brand-new appliances. You can’t purchase it for appliances that you already own. Therefore, if you want to insure an older appliance or multiple appliances in your household, an appliance insurance policy is the best option.
We Beat or Match Any Quote
Call 0330 912 4843 and we’ll beat or match any quote.
Serious About Service
24/7 claims support & rated Excellent on Trustpilot
Cover Match Guarantee
Get a £50 gift card if you find something we don’t cover
All Gas Boilers Covered
All makes and models, regardless of age
Cookie | Duration | Description |
---|---|---|
__cfruid | session | Cloudflare sets this cookie to identify trusted web traffic. |
AWSALBCORS | 7 days | This cookie is managed by Amazon Web Services and is used for load balancing. |
cookielawinfo-checkbox-advertisement | 1 year | Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category . |
cookielawinfo-checkbox-analytics | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics". |
cookielawinfo-checkbox-functional | 11 months | The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". |
cookielawinfo-checkbox-necessary | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary". |
cookielawinfo-checkbox-others | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. |
cookielawinfo-checkbox-performance | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance". |
CookieLawInfoConsent | 1 year | Records the default button state of the corresponding category & the status of CCPA. It works only in coordination with the primary cookie. |
PHPSESSID | session | This cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed. |
viewed_cookie_policy | 11 months | The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data. |
Cookie | Duration | Description |
---|---|---|
_uetsid | 1 day | Bing Ads sets this cookie to engage with a user that has previously visited the website. |
_uetvid | 1 year 24 days | Bing Ads sets this cookie to engage with a user that has previously visited the website. |
AWSALB | 7 days | AWSALB is an application load balancer cookie set by Amazon Web Services to map the session to the target. |
Cookie | Duration | Description |
---|---|---|
_ga | 2 years | The _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognize unique visitors. |
_ga_X89BZ20HEM | 2 years | This cookie is installed by Google Analytics. |
_gat_UA-77274851-4 | 1 minute | A variation of the _gat cookie set by Google Analytics and Google Tag Manager to allow website owners to track visitor behaviour and measure site performance. The pattern element in the name contains the unique identity number of the account or website it relates to. |
_gcl_au | 3 months | Provided by Google Tag Manager to experiment advertisement efficiency of websites using their services. |
_gid | 1 day | Installed by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website's performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously. |
_hjAbsoluteSessionInProgress | 30 minutes | Hotjar sets this cookie to detect the first pageview session of a user. This is a True/False flag set by the cookie. |
_hjFirstSeen | 30 minutes | Hotjar sets this cookie to identify a new user’s first session. It stores a true/false value, indicating whether it was the first time Hotjar saw this user. |
_hjIncludedInPageviewSample | 2 minutes | Hotjar sets this cookie to know whether a user is included in the data sampling defined by the site's pageview limit. |
_hjIncludedInSessionSample | 2 minutes | Hotjar sets this cookie to know whether a user is included in the data sampling defined by the site's daily session limit. |
_hjTLDTest | session | To determine the most generic cookie path that has to be used instead of the page hostname, Hotjar sets the _hjTLDTest cookie to store different URL substring alternatives until it fails. |
CONSENT | 2 years | YouTube sets this cookie via embedded youtube-videos and registers anonymous statistical data. |
MR | 7 days | This cookie, set by Bing, is used to collect user information for analytics purposes. |
Cookie | Duration | Description |
---|---|---|
__qca | 1 year 26 days | The __qca cookie is associated with Quantcast. This anonymous data helps us to better understand users' needs and customize the website accordingly. |
_fbp | 3 months | This cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising, after visiting the website. |
IDE | 1 year 24 days | Google DoubleClick IDE cookies are used to store information about how the user uses the website to present them with relevant ads and according to the user profile. |
mc | 1 year 1 month | Quantserve sets the mc cookie to anonymously track user behaviour on the website. |
MUID | 1 year 24 days | Bing sets this cookie to recognize unique web browsers visiting Microsoft sites. This cookie is used for advertising, site analytics, and other operations. |
test_cookie | 15 minutes | The test_cookie is set by doubleclick.net and is used to determine if the user's browser supports cookies. |
VISITOR_INFO1_LIVE | 5 months 27 days | A cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface. |
YSC | session | YSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages. |
yt-remote-connected-devices | never | YouTube sets this cookie to store the video preferences of the user using embedded YouTube video. |
yt-remote-device-id | never | YouTube sets this cookie to store the video preferences of the user using embedded YouTube video. |
Cookie | Duration | Description |
---|---|---|
_dlt | 1 day | No description |
_hjSession_549866 | 30 minutes | No description |
_hjSessionUser_549866 | 1 year | No description |
hometree_landing | session | No description |
hometree_qs | session | No description |
hometree_referer | session | No description |
outbrain_cid_fetch | 5 minutes | No description available. |
wisepops | 2 years | No description available. |
wisepops_activity_session | session | No description |
wisepops_session | session | No description available. |
wisepops_visits | 2 years | No description available. |