Does Renter's Insurance Cover Washing Machine Damage?

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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.


About the Author

Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.

Photo Credits

  • Michael Blann/Digital Vision/Getty Images