Does homeowners insurance pay for maintenance repairs?

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

Woman in red shirt painting a wall during home maintenance.

With homeowners insurance, you're protecting your home from the unexpected. The coverage is for your home, the personal property within the home and 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 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 would typically cover the following damage:

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

What do home warranty plans cover?

Home warranty plans typically cover repairs to appliances and systems during typical use and plans may vary. A home warranty may cover:

  • Appliances,
  • Electrical systems,
  • Plumbing,
  • Air conditioning, and
  • Furnaces.

What is considered home maintenance?

While in your residence, upkeep is needed for daily living. Depending on the wear and tear on a home, some homes may need more 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, and
  • 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, and
  • 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.
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