November 21, 2016
We have a vandalism loss to a home that is foreclosed and theft of a range and a fridge. We feel that the theft is not covered as the appliances could be considered personal property as they were not permanently attached to the home. The fridge was connected to the water line and the range was connected to the gas line, but both are movable property. The policy specifically excludes personal property but does not mention appliances or fixtures. Do you feel these items would be covered under this policy? Vandalism and theft are covered perils so the question is related to the appliances alone.
Foreclosed Building Coverage
- Foreclosed” buildings at the location described on the Declarations for which a Limit Of Insurance is shown. This includes:
a. Detached garages, storage sheds and other structures at the described location;
b. Outdoor swimming pools and fences;
c. Satellite dishes, radio and TV antennas less than 100 feet in height;
d. Underground pipes, flues or drains; and
e. If not covered by other insurance, materials and supplies on or within 100 feet of the location described on the Declarations for use in the construction, alteration or repair of the “foreclosed” building or other structures at this location.
However, loss to building materials and supplies not attached as part of the building structure caused by or resulting from theft are excluded.
PROPERTY NOT COVERED
The following property is not covered under Foreclosed Building Coverage:
- Land (including land on which the property is located), water, growing crops or lawns (other than lawns which are part of a vegetated roof);
- Trees, shrubs and plants (other than trees, shrubs and plants which are part of a vegetated roof);
- Personal property;
- Bulkheads, pilings, piers, wharves or docks;
- Retaining walls that are not attached to the “foreclosed” building; or
- Bridges, roadways, walks, patios, parking lots or other paved surfaces.
Wisconsin Subscriber
A home is more than simply four walls, a roof, and floors that provide shelter. In order for it to be used for its intended purpose, certain things are considered a given. Heat for one, and the ability to cook and store food, as well as electricity to provide and other such features. While the stove and refrigerator are moveable objects, people do not frequently upgrade them or rearrange them for esthetic purposes. The refrigerator, stove, and dishwasher are necessary parts of making a dwelling habitable. Microwaves are a little different as they are much smaller and readily portable, so unless built in they are personal property.