Can you claim a broken TV on renters insurance?
Asked by: Dr. Keeley Gutkowski | Last update: January 19, 2026Score: 4.7/5 (39 votes)
Can I claim accidental damage on my TV?
Unfortunately warranty companies virtually never cover accidental damage. Tvs are not meant to be hit/bumped, they consider that misuse/abuse outside their control and will not cover it as a result. You'll find this to be the case with all tv warranties.
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.)
What are three things that renters insurance typically does not cover?
Flooding, earthquakes and sinkholes are all examples of natural disasters that are not covered by a typical renters insurance policy. All three of these events can easily damage your personal property, so you should buy additional coverage if you think you're at risk.
Does insurance cover accidental damage to TV?
Accidental Damage Cover is an option you can choose when you get a home insurance quote. It covers things like: Your child accidentally knocked your TV over and broke the screen. You were up in your roof and accidentally put your foot through the ceiling.
How to File a Renters Insurance Claim : Insurance for Renters & Vehicles
Does insurance cover a broken 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.
What counts as accidental damage?
Accidental damage is physical damage that happens out of the blue and is not done on purpose. There needs to be a one-off, single event that causes the damage. This could be: Dropping and breaking your phone at home.
Does renters insurance cover electronics?
Your renters insurance policy may help pay to repair or replace personal handheld electronics, including a laptop, smartphone, tablet or personal computer, if they are stolen or damaged by certain causes.
What are 5 different events that would cause losses that would be covered by renters insurance?
Renters insurance covers your personal belongings from various risks. Personal property coverage protects items like furniture, clothing, electronics, and more from perils such as theft, fire, smoke, vandalism, and water damage.
What are the disadvantages of renters insurance?
Limited Coverage
Another potential drawback of renters insurance is that it may not cover certain types of losses, such as damage caused by flooding or earthquakes. Tenants need to review the terms and conditions of their policy carefully to understand what kinds of losses are covered and which are excluded.
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.
How much does it cost to repair a damaged TV?
Cost Differences by TV Type
LCD TVs: The most common type of TV, replacement parts, are generally more affordable. Typical repair costs range from £100 to £300. LED TVs: A variant of LCD with LED backlighting. Costs are slightly higher due to complex parts, ranging from £150 to £400.
Do any TV warranties cover 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.
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.
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 is an example of accidental damage claim?
For example, if you accidentally spill wine on your carpets or couches, or knock the coffee table over. If you have Allianz Home Insurance and have selected optional Accidental Damage Cover, we'll cover: Your building against accidental damage or loss – if you have Building cover.
What's not covered by renters insurance?
Understanding what does renters insurance cover and not cover is all about the situation. Damage from sinkholes, bedbugs, and other pests aren't covered by a typical renters insurance policy. If your car is stolen or damaged, a standard renters insurance policy won't usually help with those costs either.
What is the average deductible for renters insurance?
When it comes to renters insurance deductibles, "the most common deductible is $500," according to SafeHome.org. Other common deductible amounts are $250, $1,000, and $1,500.
What incidents does renters insurance cover?
Standard renters insurance in California covers a wide range of perils, including fire, theft, vandalism, water damage from burst pipes or appliances, and certain natural disasters like lightning, windstorms, and hail.
Will my renters insurance cover a broken TV?
Whether or not your renters insurance covers a broken TV depends on the cause of the 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 usually included in renters insurance?
Renters insurance is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property. If you rent an apartment, home or even a dorm, renters insurance is recommended for protecting your space and belongings in the event of a covered accident.
Does renters insurance cover expensive items?
Renters policies typically cap the amount they'll pay for valuable items such as jewelry, firearms and electronics, particularly when it comes to theft. To get coverage for items that are worth more than this limit, you may want to add a scheduled personal property endorsement.
What is accidental damage on 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.
What counts as a source of damage?
The source of damage is the object that dealt it.
Does insurance pay for accidental damage?
If your policy does not automatically include coverage for accidental damages, which many don't, then you'll often find it listed as an optional add-on. This means that in order to be protected against accidental damage, you would have to have opted into this coverage beforehand.