Woman in red shirt painting a wall during home maintenance.

Does homeowners insurance pay for home maintenance repairs?

Read on to find out what your insurance could help you with in terms of home repairs.

With homeowners insurance, you're helping protect your home from the unexpected. The coverage is generally for your home, the personal property within the home and other structures. Your coverage typically includes personal liability, medical payments and additional living expenses should a loss occur that renders your home to be uninhabitable. Just like an automobile, your home requires year-round maintenance for updates such as painting, staining or a room remodel that's not covered under the policy. If you have a home warranty, it usually covers appliances and home systems during normal use.

When can I use insurance for home repairs?

When you experience a loss that's covered under your policy, those repairs would be paid by your insurance coverage. Insurance typically covers the following damage:

  • Fire or smoke
  • Windstorm
  • Hail
  • Snow or ice
  • Explosion
  • Freezing of plumbing
  • Vandalism

What do home warranty plans cover?

Home warranty plans, sometimes referred to as home repair insurance, typically cover:

  • Appliances
  • Electrical systems
  • Plumbing
  • Air conditioning
  • Furnaces

What is considered home maintenance?

As the owner of a property, upkeep is needed for daily living. Depending on the wear and tear on a home, some homes may need ongoing maintenance throughout the year. You can tackle some projects yourself, but others might require a professional. Do your research to help you make that decision.

The following are examples of home maintenance:

  • Replacing doorknobs
  • Repainting walls
  • Changing the carpet
  • Cleaning gutters
  • Cleaning the dryer vent
  • Caulking windows
  • Staining decks
  • Sweeping the chimney
  • Maintaining the garage door
  • Cleaning the septic tank

As large appliances and home systems get older or wear out, it's not unusual to replace them. These items may include:

  • Refrigerator
  • Dishwasher
  • Stove/cooktop/oven
  • Air conditioner
  • Furnace
  • Water heater

Worn out or obsolete appliances are not covered by insurance. However, you can contact your local State Farm® agent for information on Home Systems Protection which may offer insurance protection for certain perils typically not covered by a homeowners policy.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Winter Haven, FL

State Farm Lloyds
Richardson, TX

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