Your kitchen appliances and other items such as your fillet table are important to the functionality of your kitchen. Not only that, they are some of the most expensive items in your home. If your kitchen suddenly went up in flames, what would be covered by your Florida homeowners insurance?
Appliances cost a pretty penny. You will definitely want them replaced if something were to happen to them due to a covered peril. A covered peril according to your policy is fire, wind, theft, and etc. Losing an appliance is a huge loss of money. That’s why it is crucial to determine if your appliances and other items such as your fillet table are covered.
Appliances covered in your kitchen will include your refrigerator, dishwasher, microwave, and your oven. Anything can happen at any time, therefore you need to review our guidelines below to understand what is and isn’t covered. Here are a few tips to consider when it comes to dealing with damaged appliances and your Florida homeowners insurance.
• Normal wear and tear are not covered by your policy. If one of your appliances finally wears out and breaks, then you are solely responsible for purchasing a new one out of your own pocket.
• If your appliance is damaged due to a fire, or severe storm damage such as lightning, your policy will be able to compensate you for the loss.
• Remember that damages due to flooding will more than likely not be covered by your homeowners coverage.
• For the most part, you will be reimbursed based on your appliances actual cash value.
So make sure you have Florida homeowners insurance coverage, that way, for the most part, your appliances are covered and can be replaced. In order to avoid damages to your kitchen appliances follow these guidelines below.
• Always wipe up spills around your appliances
• Never store food on top of your refrigerator as it affects airflow
• Always wipe down the rubber gaskets that seal your appliance doors.
• Always try to leave your refrigerator door closed as much as possible, that way it doesn’t have to work harder to stay cool.
If you are looking for reliable Florida homeowners insurance, FloridaInsuranceQuotes.net has you covered. Head on over and sign up for the right policy for you and for your appliances. That way you can ensure your appliances and your top of the line fillet table is covered.