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Can you insure your home appliances?

Yes, you can insure your home’s appliances under a home insurance policy. Widely used appliances like air conditioners, refrigerator, televisions, dish washer, OTG, geyser, and more can be insured.

Even lesser used home appliances like chimneys, printers, fax machine, etc can be covered under a home insurance policy.

An appliance insurance coverage is usually bought along with a comprehensive home insurance policy. There are also some insurance providers that provide stand-alone appliance insurance policies as well. We will talk about both such companies below.

Why should you opt to insure your home appliances?

Your home is your sanctum, and any expense incurred in the safety and security of your home could be considered as money well spent. Here are the most important benefits of appliance insurance:

  • Peace of mind: Being insured gives you a tremendous peace of mind. The policyholder knows that he is covered in case an unfortunate situation arises like a theft or vandalism.
  • Continuity of lifestyle: Being insured will provided continuity of lifestyle to the policyholder. The policyholder can simply use the sum assured to re-buy the damaged or stolen appliances.
  • Expensive items: Some home appliances are very expensive, and having a coverage plan in place will save the home owner a healthy sum.

Inclusions and exclusions

Mentioned within are some of the general inclusions and exclusions of appliance insurance. The specific exclusions and inclusions will be different from company to company.

Further, an insurance company provides different levels of coverage based on the kind of appliance insurance plan you opt for. The higher the premium you pay, the higher is the coverage.

General inclusions and exclusions include:



Fire damage

Intentional damage




Radiation damage

Electrical & mechanical break down


Top 7 appliance insurance companies and plans

Insurance Company

Plan offered

Royal Sundaram

Royal Sundaram Home Insurance (Bronze, Silver & Gold Plans)

Tata Capital

Tata Capital Home Appliance Insurance


HomeAssist plan

Bajaj Finserv

Kitchen appliances insurance plan


GadgetServ Plan (OneAssist)


HDFC ERGO Refrigerator Insurance

Reliance General Insurance

Reliance Home Insurance

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Frequently asked questions

  • Are stand-alone appliance insurance plans available?

    Yes. Mentioned below are some of the stand-alone appliance insurance plans in India:

    • OneAssist HomeAssist Plan
    • Bajaj Finserv Kitchen Appliances Plan
    • HDFC ERGO Refrigator insurance plan
  • How is the premium rate decided on appliance insurance?

    The premium rate is primarily decided on the location of the property, the valuation of the appliances, and the income of the policyholder.

  • Is it a good idea to get appliance insurance?

    It could be a good idea to get appliance insurance if the valuation of your appliances is rather large. It could also be a good idea to buy appliance insurance if you live in a place with questionable security.

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