As the winter chills begin to surround our homes, this may make a lot of people turn to space heaters to stay comfortable and cozy. Not only are these devices the best companions in winter and inexpensive, but they are also efficient and compact. However, among the warmth they provide, they are home equipment, which sparks the question: does homeowners insurance cover space heaters?
The answer to this question will be answered in this guide as we explore and discover the scenarios of when and how you will receive coverage from your insurance company. As a policyholder, it is important to know this. So, let us begin to explore.
When Does Homeowners Insurance Cover Space Heaters?
As a homeowner, it is crucial to pay attention to what your insurance policy covers and doesn’t. This way, you will be more prepared for when a disaster is about to hit. Here are the types of coverage a standard homeowners insurance policy covers:
- Fire Damage: If a space heater accidentally starts a fire that destroys your home, the repair costs will be covered.
- Personal Property Loss: If a fire caused by your space heater spreads and damages your belongings, personal property coverage will help you with the replacement.
- Liability Issues: Damages or injuries caused to another party’s property by your space heater can be covered by your liability coverage.
Does Homeowners Insurance Cover Space Heaters?
Homeowners insurance usually covers damages caused by space heaters. Just like other appliances in your house, space heaters are covered under the personal property section of your quote.
Hence, if a fire or any type of damage caused by a space heater damages your home, the structure coverage section of your policy will be responsible for reimbursement for repairs.
When Will I Not Receive Coverage?
Here are some events when you will not receive space heater insurance coverage from your home insurance policy or insurance company:
- Unapproved Heaters: Making use of space heaters that are banned or are not approved by safety organizations will cause your claims to be denied.
- Intentional Acts: Any form of damage that was caused intentionally will not be covered by insurance.
- Negligence: Failure to follow the space heater safety instructions by the manufacturer will be seen as negligence and will not be covered by your home insurance policy.
Does Space Heaters Increase My Home Insurance Rates?
Making use of space heaters does not increase your home insurance rates automatically. However, if you file a claim against your space heaters for damages like fire, this will probably cause your insurance premium to rise.
How to Prevent Space Heater Fires
If you use a space heater, it is important that you follow safety measures, as this will help you avoid fires or accidents. By doing this, you also do not need to file a claim. Here is how to prevent space heater fires:
- Keep flammable materials away from it.
- Follow the manufacturer’s instructions and guidelines.
- Place the heater on the floor.
- Check the auto-shut-off features.
- Pay attention to children and pets.
- Plug the heater only into a wall outlet.
- Maintain the device.
By following these tips, you can avoid accidents and damages that may happen when your space heater is not used properly.
Frequently Asked Questions
Should I let my insurance company know if I am using space heaters?
It is not mandatory to inform your insurer about using space heaters, but practicing safety measures is important to avoid fire incidents and ensure proper coverage in case.
Are all types of space heaters covered by homeowners insurance?
Generally, homeowners insurance does not select certain types of space heaters when offering coverage. However, following safety standards and proper usage by the manufacturer is important as well.
If a space heater is stolen, will homeowners insurance cover its replacement?
Yes, if your space heater is stolen from your property, it should be covered under the personal property part of your home insurance policy, subject to your policy’s deductible.
Does the reason for using a space heater affect insurance coverage?
No, the reason for using a space heater, regardless of its use, does not affect insurance coverage. The key factors are safe usage and whether the damage caused is accidental.
What if my space heater is part of a home automation system?
If your space heater is integrated into a smart home system, it is still covered under your personal property section. However, make sure that all devices in your home automation setup, including the space heater, follow the manufacturer’s safety guidelines.
What should I do with my space heater to ensure it does not negatively affect my homeowners insurance?
Always use space heaters as directed. Keep them away from flammable materials. Never leave them unattended while on, and make sure they are UL-certified. Regular maintenance and proper use can prevent accidents that might lead to insurance claims.
