If your home has a boiler, you’re probably wondering if your home insurance policy will cover it in the event of a problem.
The answer is maybe. It depends on the cause of the problem and whether or not you have an endorsement on your policy for boilers.
Most home insurance policies provide coverage for sudden and accidental damage. This means that if your boiler breaks down due to a mechanical issue, you should be covered. However, if the break down is due to lack of maintenance or something that could have been prevented, you may not be covered.
It’s always a good idea to check with your insurer to see if they offer an endorsement for boilers. This will typically cover any type of breakdown, regardless of the cause. If you don’t have this endorsement, you may still be able to purchase it from some insurers.
Most home insurance policies will cover your boiler as long as it’s not considered a pre-existing condition.
So, if your boiler breaks down and it’s not due to wear and tear, you should be covered.
However, it’s important to check the terms and conditions of your policy as some insurers will only cover the cost of repairing your boiler, while others will also cover the cost of replacing it.
It’s also worth noting that home insurance policies will usually only cover the cost of repairing or replacing your boiler if it can’t be repaired. So, if your boiler is beyond repair, you may have to pay for a new one yourself.
There are some home insurance policies that will cover your boiler, but you have to specifically add it to your policy. If you don’t have coverage for your boiler and it breaks down, you’ll have to pay for the repairs or replacement out of your own pocket.
Boiler coverage is usually pretty affordable, so it’s definitely worth considering if you want peace of mind knowing your boiler is protected. Talk to your home insurance agent to see if boiler coverage is an option for you.
