Under possessions insurance, your appliances will have coverage when they sustain damage from a variety of unexpected hazards. If a fire damages appliances for example, then your policy might pay to repair or replace these items. Losses from theft, vandalism, severe weather and more might also have coverage. 

Additionally, some homeowners policies include coverage called equipment breakdown insurance. This coverage pays when an unexpected hazard causes mechanical items to fail. For example, if a power surge fries your stove and refrigerator, then your policy might pay for the necessary repairs or replacement. These are often more routine than losses caused by severe perils. However, they still might merit coverage because you could not predict the damage. 

When Will I Not Have Coverage?  

Homeowners insurance is nevertheless not all-encompassing. There are a variety of cases where policies might not automatically cover appliances. 

If you are want to get more expansive coverage for appliances, then you might be able to buy special insurance endorsements. You might also choose to buy appliance warranties for each items. However, these will contain their own differences that limit when you can use them. Work with your agent to tailor your possessions coverage regardless of any warranty.