Does Homeowners Insurance Cover Refrigerator Leak | Expert Guide

Does homeowners insurance cover refrigerator leak? This article will be a massive help to everyone asking this question. Oh! Fridge with a leak! Finding an unanticipated puddle of water on the floor is uncomfortable. Your homeowner’s insurance can cover your fridge if there is a leak. Most of your stuff gets covered by your home insurance. Large appliances get protected from dangers like theft, explosion, or storm surges. Usually, this covers your refrigerator, which may be an expensive item to fix or restore if broken.

However, not all refrigerator damage may get covered by your home’s insurance. It is crucial to comprehend the specifics of your policy’s insurance coverage for fridge damage and any product loss caused by a power outage.

Read More: Does Home Insurance Cover Electrical Wiring

Does Homeowners Insurance Cover Refrigerator Leak?

Homeowners Insurance Cover Refrigerator Leak

Yes. To be insured by homes insurance, wall, floor, or basement damage brought on by leaky equipment or pipes must be deemed “sudden and unintentional.” Therefore, you are insured for the losses if the water supply line breaks and spills a sizable volume of water.

However, you must file a claim with your home’s insurance as soon as you become aware of any damages if your fridge has a gradual, imperceptible leak. Insurance providers are aware that leaks sometimes go undetected. Therefore, you will be compensated if you prove that the flood damage was not caused by carelessness.

The Frequent Cause of Leaky Refrigerators and How to Prevent Them

Luckily, avoiding water leakage from a leaky refrigerator is easy and often only calls for routine inspections. You may be able to save a lot of difficulty in the future by spending a short amount of time inspecting the parts of your fridge and the environment around it for moisture or mildew.

The best approach to avoid flood damage is to identify and address refrigerator problems as soon as you discover them. The ideal process is to plan regular fridge inspections as part of your annual home maintenance. In addition, if an issue gets found, rectify it right away. These typical problems and their remedies include:

Drain obstruction

Food, garbage, backed-up water, or an accumulation of ice may block the defrost drainage in your fridge. You may clear it at this stage by running warm water into the drain or using a pipe cleaner.

Poor Entrance Seal

If the refrigerator door’s rubber seal is damaged and dry, it must be changed. This is true because it may let warm air into the freezer, making the refrigerator work harder to keep its temperature constant. Consequently, ice accumulation in the freezer or water line may lead to leaks.

Water System Line Breakage

Plastic piping, frequently used to make water supply lines, is prone to damage. Check the supply line for kinks and cracks regularly.

An unbalanced refrigerator should have it’s front a quarter-inch lower than its rear. If the balance is off, the coolant cannot flow freely, increasing the energy required to control the temperature. The coils develop condensation, which drops and collects on the floor.

Preventing the Common Causes of a Leaking Refrigerator: More tips

In most cases, water leaks won’t occur quickly, so it’s still not too late if you find one of these problems. The majority of the time, these issues result in sluggish leakage. Consequently, the water damage worsens over time, leading to mold growth and wood decay.

The damage caused by the leak, not the origin of the leak, is often covered by homeowners’ insurance. It may be covered if you can demonstrate that the leak was the reason for the destruction of your flooring and the neighbouring items. But unless a protected risk specifically destroys your refrigerator, they probably won’t be replacing it.

Furthermore, you won’t be covered by your house insurance if the leakage gets brought on by ageing, neglect, or regular wear and tear.

Consult your insurer to see whether your homeowners’ insurance covers your refrigerator. If so, you should take pictures and write details of the water damage to prove the harm.

It’s also important to check to see whether your refrigerator gets broken. If a warranty covers it, you may get it fixed or replaced without using your home insurance and perhaps see your premium increase.

A basic foundational level of security for your house is homeowner’s insurance. To safeguard yourself against hazards that don’t cover by regular insurance, it’s essential to consider purchasing additional endorsements.

Many forms of Homeowner’s Insurance

Homeowners Insurance Cover Refrigerator Leak | Expert Guide

Your homeowner’s policy will cover your appliances under several sections of house insurance. For instance, your property insurance probably covers many kitchen appliances and cookers. This is true as they plug into power outlets and aren’t firmly connected or built-in.

More substantial built-in appliances like a water heater or a compressor for the air – conditioning system would probably get covered by your house insurance. The likelihood is that your other building’s coverage will pay for any built-in or permanently connected appliances that are a storage shed component and destroyed due to an insured incident.

Speak to a Travelers agent or private agent in your area. This can aid you in learning more about how, in the event of a covered occurrence, your homeowner’s underwriter may help cover the expenses of appliance loss or damage. At this point, determine whether you are eligible for insurance reductions, such as a home purchase or a loss-free discount.

Does Defective Fridge have Coverage under Homeowners Insurance?

Depending on the incident, your home’s insurance may or may not provide coverage for a broken refrigerator. If the damage gets brought on by a sudden insured event, such as a broken pipe, fire, or lightning, your property insurance would probably assist with the expenses of restoring your fridge.

However, damages to a fridge that occurs due to normal wear and use or poor upkeep are often not covered by a home’s insurance policy.

Frequently Asked Questions

Does homeowners insurance cover refrigerator leaks?

Depending on your premium and policy limitations, damage caused by a fridge leak can get covered by your home’s insurance. Nevertheless, the refrigerator would typically not get insured for repairs or replacements.

Does house insurance cover leak-related ceiling destruction?

Sometimes! Depending on what initially caused the damage, homeowners insurance may or may not cover ceiling destruction from leaks. Only if the cause gets mentioned in your home’s insurance plan will the damages to the ceiling be reimbursed. You won’t be paid, for instance, if the damage gets brought on by rainfall, which doesn’t get protected by homeowners’ insurance.

Does homeowners’ coverage protect against flood damage that gets concealed?

No. The majority of homeowner insurance plans do not cover necessary repairs caused by hidden water damage. However, your home insurance coverage can pay for the repairs if you can demonstrate that it isn’t caused by carelessness.


In conclusion, insurance offers diverse merits for homeowners. And if you need more help here, the above highlight: “Does homeowners insurance cover refrigerator leak” will aid you immensely.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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