Can I claim on my home insurance for a broken TV?
Asked by: Nedra Hane | Last update: November 27, 2025Score: 5/5 (24 votes)
Does home insurance cover a damaged TV?
Yes, home insurance can cover all the TVs in your house. So, for example, if there was a flood or fire, your insurer could pay out for the cost of replacing all your TVs and any other items in your home that were damaged.
Does insurance cover damaged TV?
Household insurance provides cover against damages or loss to the contents in the home that you live in. In other words, everything that you would take with you when you move to another home, is what can be insured. It is also known as household contents insurance. cleaner, television, etc.)
Does insurance cover accidental TV damage?
If your TV is stolen, or if it's damaged by fire or certain types of water events, it would likely be covered. If your TV simply stops working for no reason, or breaks due to simple wear and tear, it won't be covered.
What is accidental damage to a TV?
Accidental damage refers to a device failing to function correctly or safely as the result of an incident that has happened by accident. For example, it is dropped, something is dropped on it or liquid spilled onto it.
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Is TV damage covered by insurance?
You can get cover for your TV as part of your home insurance which will cover it for things like theft and damage from fire and flood. You can also add on extra cover for accidental damage in most policies which can come in handy if your TV is your pride and joy.
What to do if you accidentally break your TV?
If your TV screen is cracked, your best option is usually to contact the manufacturer or a professional repair service to assess the damage and provide repair options. Depending on the extent of the damage and the cost of repairs, it might be more practical to replace the TV altogether.
What accidental damage does not cover?
Accidental damage cover won't protect against damage that happens outside. You will need extra cover for damage that happens while you're out and about. Limits, terms and exclusion apply to all levels of cover.
Does home insurance cover electronics?
While most homeowners and renters insurance policies offer financial protection for your electronics, there may be cases where you'll want to consider supplemental insurance, whether that's for high-value items or a policy that is specific to your electronics that covers more perils than just those named in a ...
How to protect TV from accidental damage?
To protect your TV from these types of incidents, purchase a CPS Accidental TV warranty! These warranties are meant to protect you against common accidents and impacts that can happen, including dropping the TV while moving or mounting, kids hitting or knocking the TV over.
Can I get money for my broken TV?
Many people opt for the LCD TV recycling program, and others think of selling off the broken TV locally at a shop. Besides that, there are many people who return it back to the TV manufacturers to receive a new TV in return or receive money for it.
Does home insurance cover broken appliances?
Homeowners, condo, and renters insurance may cover appliances when a covered peril, such as a fire or theft, caused the damage. Insurance generally doesn't cover wear and tear damage or manufacturer defects. Optional coverage for electrical and mechanical breakdowns may be available through your home insurance policy.
How much does it cost to replace a broken TV?
Prices can range from $100 up to $2,000, depending on the size of the TV and the repair needed. The average TV repair cost is $300, but most homeowners pay between $200 and $500. For extreme TV repairs, like replacing a display panel on a large television, you might pay as much as $2,000 or more.
Can you get insurance for TVs?
Yes, Extended Warranty (Mechanical Malfunction) is available for New Television purchased in the past 30 days. Purchase the best Protection Plans, insurance, and warranty plan for all television brands and models, including Samsung, Sony, LG, Panasonic, TCL, Vizio, ViewSonic, Hisense, and other brands and models.
Does homeowners insurance cover damaged items?
Generally, homeowners insurance could cover personal property that is stolen or damaged by a disaster. These items might include your sofa, bed, TV, or computer. Ask your insurance representative for the specific items that your plan includes.
What home repairs does most insurance cover?
The most common appliances and systems covered by home repair insurance include clothes washers and dryers, ovens and stovetops, refrigerators, water heaters, air conditioning, sewer, and plumbing lines, and electrical systems.
Can you claim for a TV on home insurance?
For example, accidentally breaking your hand basin. For contents insurance it covers accidental damage to non-portable home entertainment equipment, mirrors and glass in furniture. For example, if you accidentally drop your TV while moving it to decorate.
What does home insurance not cover?
Important: Read exclusions in your insurance contract. Earthquake, flood, mold, earth movement, and “wear and tear” are some of the perils that are usually excluded.
Can you claim electrical work on home insurance?
Your homeowners insurance policy may cover damaged wiring under your dwelling coverage. This may include things like your electrical panel. However, many insurers won't cover certain wiring issues, such as faulty workmanship or repair.
What is accidental damage on TV?
Usually, accidental damage relates to a one-off incident that causes damage to your home or its contents – a spillage, a breakage, or even something like putting your foot through the floor of your loft. Dropping a laptop, resulting in its screen being smashed, would probably qualify as accidental damage.
Is it worth claiming for accidental damage?
If your household is more careful than clumsy, or you don't have too many expensive or antique items in the home, the extra cost might not pay off. Comparing your current buildings insurance with policies that include accidental damage cover can help you decide if the added cost is justified.
What are examples of accidental damage claims?
Examples of accidental damage could include knocking a glass of wine over your new cream rug during dinner, or the kids kicking a football through the kitchen window while playing outside. Other types of damage, like wear and tear or electrical breakdown are not considered accidental damage.
What happens if TV screen is broken?
The type of television you have, for example, LED or LCD TV, as well as the extent of the damage will determine whether or not a repair is an option. In some cases, it may be possible to have the screen repaired by a professional. However, in other cases, screen replacement may be the only option.
Does the TV warranty cover accidental damage?
Coverage includes mechanical failure, power failure, screen failure, speaker/sound failure, button failure, and wifi failure. TV manufacturer warranties do NOT cover accidental damage.
What do you do with a broken television?
Broken Tv is considered by many as hazardous waste. This suggests that you can't throw these appliances into your trash. The only way to get rid is to take it to your nearest recycling center for proper disposal. The improper disposal of broken tv may cause harmful chemicals to leak.