Does Home Insurance Cover Appliances

Does home insurance cover appliances in the UAE? This is a common question — especially when we consider how appliances like refrigerators, washing machines, and air conditioners keep our lives running smoothly. While we often think of household insurance as protection for walls, roofs, and valuables, it’s equally important to understand if the essentials that power our households are also covered.

Does Home Insurance Cover Appliances in UAE?

Yes, in most cases, home insurance in the UAE covers appliances. However, it largely depends on the policy type, coverage limits, and the specific circumstances of the loss or damage.

Generally, household insurance policies in the UAE classify home appliances as part of ‘Contents’. This means your refrigerator, oven, washing machine, dishwasher, microwave, and other similar household items are covered against certain risks when they are placed and used within the insured property.

These risks usually include —

1. Fire, lightning, explosion
2. Water leakage from fixed pipes or heating installations
3. Storms and floods
4. Theft involving forcible entry
5. Malicious damage or vandalism
6. Impact from vehicles or falling objects

Some insurers also offer optional accidental damage cover, which can extend financial protection to incidents like dropping a television or spilling liquid into a dishwasher. This is usually an add-on benefit and needs to be explicitly included in your policy.

If the appliance is portable or used for business purposes (like a professional-grade espresso machine used for a home café), it might not be covered under standard home contents insurance.

Which Appliances are Covered Under Home Insurance in UAE?

Most home insurance policies in the UAE cover standard household appliances that are part of your home’s contents. These are the everyday electrical or mechanical items that are used for domestic purposes and are not fixed parts of the building.

Common appliances generally covered include the following —

1. Refrigerators and freezers
2. Washing machines and dryers
3. Dishwashers
4. Microwaves and ovens
5. Air conditioners (split and window units)
6. Televisions and entertainment systems
7. Water heaters
8. Vacuum cleaners
9. Coffee machines, toasters, and other kitchen appliances

These items are covered when damaged or lost due to covered risks like fire, theft, water leakage, storms, and accidental impact (if accidental damage is included in your plan).

Why is it Important to Get Coverage for Your Home Appliances?

Home appliances are major financial investments and essential parts of daily life. From keeping your food fresh to cleaning your clothes, they play an important role in the smooth functioning of your home. That’s why having home insurance coverage for appliances is important.

1. High Replacement Costs: Appliances like refrigerators, washing machines, and air conditioners are expensive to replace. If they’re damaged due to a fire, leak, or theft, the financial burden can be heavy — unless you have insurance to help absorb the cost.
2. Unpredictable Risks: Events like power surges, water pipe leaks, and vandalism often occur without warning. These can cause sudden and serious damage to your home appliances. Having insurance makes sure that you're not left to deal with the repair or replacement costs on your own.
3. Protects Against Theft: While theft isn’t very common in the UAE, it’s still a risk that cannot be ruled out. If your home is broken into and your appliances are stolen or damaged, contents coverage under your policy can provide compensation — often including appliances like TVs, kitchen gadgets, or sound systems.
4. Covers Damage from Common Accidents: If accidental damage is included in your policy, it can financially protect appliances that may be harmed by mishaps such as dropping, spilling, or external impact. Some insurers provide this as an optional add-on.

Inclusions and Exclusions of Home Insurance for Appliances

When it comes to appliance insurance cover under home insurance in UAE, understanding what’s included and what’s not can save you from disappointment during a claim. 

✅ Common Inclusions

Here’s what’s generally covered under most home insurance policies —

1. Fire, explosion, and lightning – Appliances damaged due to a sudden fire outbreak or lightning strike are covered
2. Theft or attempted burglary – Coverage is provided if appliances are stolen or damaged during a break-in, often requiring proof of forced entry and a police report
3. Water leakage – Damage from leaks in pipes, tanks, or fixed appliances is often covered, although not the appliance that caused the leak itself
4. Storms and floods – If a flood or storm damages appliances within the home, they may be included in the claim
5. Malicious damage or vandalism – Covers intentional damage caused by third parties (excluding tenants or helpers)
6. Accidental damage (if included in your policy) – This includes unintentional breakage or mishandling of appliances such as dropping a TV or damaging a washing machine during relocation
7. Food spoilage – Some policies reimburse for food that spoils due to refrigerator failure caused by an insured event like power cuts

❌ Common Exclusions

Not everything is covered. These are the general exclusions —

1. Wear and tear – General ageing, rust, or gradual deterioration of appliances is not covered
2. Mechanical or electrical breakdown – Insurance does not act like a warranty — if your appliance just stops working due to internal failure, it’s usually excluded
3. Deliberate damage – If damage is caused intentionally by you or someone living in your home, the insurer will not cover it
4. Damage during long-term vacancy – If the home is left unoccupied (usually 60+ days), claims for damage may be rejected
5. Undeclared items – Appliances not listed or declared properly in the policy schedule may not be covered

How Can You Get Home Insurance for Appliances?

Getting household insurance that includes coverage for your appliances in the UAE is easy with digital platforms that make comparison and purchase easier.

The most convenient way to get started is by using Policybazaar.ae. This platform allows you to compare multiple insurance plans from different providers, review what’s included (like appliance protection under home insurance), and select the coverage that best suits your needs — all in just a few clicks.

Follow the given steps to apply for home insurance for appliances in the UAE —

1. Visit Policybazaar.ae: Start by heading to the website and go to the home insurance section
2. Fill in Basic Details: You’ll be asked to provide a few details such as the property type, location, value of contents (including appliances), and whether you’re an owner or tenant
3. Compare Plans: The site will display multiple options — use the filters to check which policies include home insurance coverage for appliances, accidental damage, and theft protection
4. Review Inclusions and Limits: Make sure the plan you’re choosing includes coverage for your major appliances and that the claim limits are sufficient for their replacement costs
5. Choose and Buy Online: Once satisfied, you can buy the plan directly through the platform — you can also reach out to our experts for further assistance

Claim Process of Home Insurance for Appliances

Filing a claim for damaged or stolen appliances under your policy is easy when you know the right steps —

• Secure the Area and Prevent Further Damage: If there’s been an incident like a water leak, fire, or theft, first ensure your safety and try to prevent any further damage. For instance, unplug damaged appliances and shut off water valves if needed.
• Inform the Authorities (if Required): In case of theft, burglary, or malicious damage, immediately report the incident to the police. Most insurers require a valid police report as part of the claim documentation.
• Notify Your Insurance Provider: Contact your insurer or the platform where you bought the policy (such as Policybazaar.ae) as soon as possible — ideally within 24 to 48 hours. Early reporting helps prevent delays or rejections.
• Document the Damage: Take clear photographs or videos of the damaged appliances and the surrounding area. If possible, collect purchase receipts, warranty cards, or appliance serial numbers to validate ownership and value.
• Submit a Claim Form: You’ll need to fill out a claim form provided by the insurer. Include all the relevant details —
  • Date and nature of the incident
  • Description of the appliance(s) affected
  • Police report (if applicable)
  • Photographic evidence
  • Repair/replacement estimates
• Loss Assessment: The insurer may assign a surveyor or assessor to inspect the damage and verify the claim. In some cases, especially for larger claims, an inspection may be mandatory.
• Claim Approval and Payout: Once verified, the insurer will process your claim. Depending on your policy, you may receive —
  • Reimbursement for the repair costs
  • Compensation for the replacement value 
  • Direct repair/replacement support via service vendors
• Deductibles and Limits Apply: Be aware that your payout might be reduced by a deductible (the portion you pay out of pocket). Also, the insurer won’t pay more than the maximum sum insured or item limit stated in your policy.

Frequently Asked Questions