Hunter NelsonOwner of Nelson Insurance Agency

Appliance Insurance: Protect Your Installation!

23 Jul 2025 · 1 min

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Short excerpt from a YouTube video by Hunter Nelson giving practical insurance advice for appliance deliveries and installations: cargo insurance typically stops at delivery (once removed from the truck it's no longer covered), and installers/owners should use an appliance or installation floater to cover pickup, transport, delivery, and installation.

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If you guys do have a typical cargo policy, I'd be very, very careful because cargo insurance does not cover installation. So the second you take the thing out of the truck, it's no longer covered. So you be very, very careful with the appliances as you're installing the home. So what most you guys actually need is what's called an appliance or installation floater. It covers it all the way from pickup delivery to the installation portion, so it covers everything there.