Does Renter's Insurance Cover Washing Machine Damage?

••• Michael Blann/Digital Vision/Getty Images

Unlike damage caused by flood water, renters insurance normally covers water damage caused by a washer. Along with plumbing and damaged caused by fire sprinklers, the typical renters policy covers damage to your personal items caused by appliances. However, policies typically will not pay for damage if you knew the washing machine was faulty prior to using it.

Policy Details

Clothes, furniture and decor are items that could get damaged by water leaks or breakdowns of a washing machine. However, if you and the landlord knew the machine wasn't working property and you used it anyway, you generally won't get benefits. Other common events covered by a renter's policy include fires and smoke, theft of vandalism, storms, the weight of snow or sleet and electrical surges.