Is it worth claiming for a broken TV on house insurance?
It depends. Filing a home insurance claim for TV damage could increase your premium, so it's a good idea to weigh the pros and cons before you make a decision. If your deductible is $500 but your TV is only worth $750, it may make more sense to pay out of pocket to not risk increasing your premium.
It could increase your premiums
The higher your perceived risk, the more likely you are to pay more in premiums. Your claims history tends to play a direct role. If you've filed homeowners insurance claims in the past, your insurer may see it as a red flag that you'll continue to do so in the future.
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.
TV insurance is a type of insurance that covers the cost of damage, loss or repair to your TV if something bad happened. 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.
Homeowners insurance covers personal property loss — including broken or stolen TVs — when it's caused by a covered peril, including fire, lightning, and vandalism. But if your TV falls off your wall or it simply stops working, you likely won't be covered.
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.
In general, it's only worth filing a claim if the potential repairs are significantly higher than your policy deductible. For more minor repairs, you may be better off paying out of pocket.
Homeowners insurance rates often increase after a claim because it leads your insurance company to believe that you are more likely to file another claim in the future. This is especially true for claims related to water damage, dog bites and theft.
This can happen when rates for labor or materials change over time. Any excess home insurance claim money is legally yours, provided that you did not commit insurance fraud to obtain the additional amount, or if your insurance company doesn't expect the funds to be returned.
In the end it costs significantly more to repair than to buy a new tv with updated features and a fresh warranty. 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.
What to do if you 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.
Accidental damage can add extra reassurance to your home insurance but only you can decide if you need it and how much. So, while you can't predict the future, consider how prone you're likely to be to accidents at home, and whether they'll be covered by the policy you choose.

So, if your TV isn't worth much more than your excess, you might find it's not worth claiming for, especially as any claim you make will cause your premium to rise when it comes time to renew.
- Create an Inventory of Personal Belongings.
- Assess the Condition.
- Replacement Cost vs. Actual Cash Value.
- Valuating High-Value Items.
- Custom or Specialty Items.
- Calculate Depreciation for Regular Items.
- Documenting Your Findings.
- Consult With Insurance Professionals.
- Loss or damage due to:
- Fire lightning explosion of domestic gas aircraft.
- Earthquake flood storm cyclone and like perils.
- Riot strike malicious act.
- Burglary housebreaking theft.
- Accidental external means.
- Mechanical or electrical breakdown.
- If extended for hire or reward the transit risk of apparatus.
One of the biggest benefits of a TV insurance policy is that it covers accidental damage to your television. This includes damage caused by dropping or spilling something onto your TV, power surges and even damage caused by pests or a natural disaster such as a lightning strike.
A standard homeowner policy covers all electronic equipment in the house, and televisions are included. Many people question is broken TVs covered under homeowners' insurance. The answer is yes. Before buying the policy, it is important to understand all the inclusions and exclusions.
Homeowners insurance doesn't cover floods, earthquakes, typical wear and tear, and damage due to insufficient maintenance. You can usually add flood and earthquake coverage to your policy for an additional fee, but wear and tear and damage from a lack of maintenance are considered preventable.
Selling a broken TV can still bring in money. Online marketplaces and local shops offer selling opportunities. It's important to consider responsible recycling options for TVs.
Filing a claim for a broken TV is relatively easy. Simply document the damage by taking a picture, contact your insurer, wait for a claims adjuster to survey the scene and, if covered, your insurer will cut you a check for your TV's value.
Will homeowners cover broken TV?
Homeowners insurance covers TVs and other electronics through your personal property coverage. If any of your personal belongings get damaged or stolen due to a covered peril, then you'll get reimbursed for it. It doesn't matter if the event occurred inside or outside your home.
While temporary repairs are a good idea, don't make permanent repairs. An insurance company may deny a claim if you make permanent repairs before the damage is inspected. If possible, determine what it will cost to repair your property before you meet with the claims adjuster.
Notifying your insurer and taking steps to prevent additional damage. Allowing your insurance company access to investigate your damages. Removing debris, and documenting and valuing your damages for your Proof of Loss statement. Soliciting and comparing bids for the work you'll need done.
Should I claim on my home insurance – how do I know it'll be worth it? If you have a claim that is only slightly higher than your policy excess, you may decide to pay for the repairs yourself rather than risk facing a long claims process and increased premiums at the next renewal.
It depends on how the TV was damaged. Home insurance covers a broken TV if it's damaged by a covered peril. That includes things like a fire or vandalism. However, accidental damage is usually not covered.