Which Home Appliances Cause the Most Home Insurance Claims—& How to Avoid Them


We all have certain home appliances we rely on every day. We may not depend on others, but they come in handy or offer a lot of convenience over less technologically advanced alternatives. But which of these home appliances causes the most Salt Lake City home insurance claims? And more importantly, what can you do to avoid making one of these claims yourself? 

Home Appliances and Insurance Risks

Here’s a breakdown of typical home appliance-related risks and how they relate to home insurance:

Cooking Appliances (Stoves and Ovens)

Cooking equipment, including stoves and ovens, is a leading cause of home fires and related insurance claims.


  • Never leave cooking unattended.
  • Keep flammable items away from stovetops.
  • Regularly clean and maintain your cooking appliances to prevent grease buildup and malfunctions.

Washing Machines and Dishwashers

Leaks, overflows, and hose bursts can cause water damage.


  • Inspect and replace damaged or worn hoses regularly.
  • Avoid overloading machines.
  • Turn off water supply valves when not in use, especially on vacation.


Malfunctioning refrigerators lead to food spoilage and water damage if they have ice makers or water dispensers.


  • Regularly clean condenser coils to ensure proper cooling.
  • Check and replace water filters as recommended.
  • Inspect and replace worn gaskets to maintain adequate sealing.

Heating Systems (Furnaces and Space Heaters)

Heating equipment can cause fires or carbon monoxide leaks.


  • Schedule annual furnace inspections and maintenance.
  • Keep space heaters away from flammable materials and use them in a well-ventilated area.
  • Install carbon monoxide detectors in your home.

Electrical Appliances and Devices

Electrical appliances can cause electrical fires or surges.


  • Ensure proper wiring and outlets for high-power appliances.
  • Use surge protectors for sensitive electronics.
  • Address any flickering lights or circuit breaker trips promptly.

Fireplaces and Chimneys

Improperly maintained fireplaces and chimneys can lead to fires.


  • Schedule regular chimney inspections and cleanings.
  • Use appropriate fire screens and spark arrestors.
  • Burn seasoned, dry wood to reduce creosote buildup.

Air Conditioning Units

Malfunctioning A/C units can cause water leaks and damage.


  • Change air filters regularly.
  • Ensure proper drainage and clean condensate lines.
  • Schedule routine A/C maintenance.

Call Salt Lake City Insurance for Home Insurance in Utah

Now that you know potential hazards in your home, protect yourself and your property with a comprehensive home insurance policy. Don’t wait until disaster strikes to realize the value of proper home coverage. Contact Salt Lake City Insurance today!

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