Is this good enough to get new appliances from home insurance?

your insurance is not going to pay for new appliances--that up to you. if you notice that there is a fire hazard and you do not attempt to correct it (ie--buy new appliances)--then you are at fault, your insurance will not pay the claim, they will probably drop you or raise your rates thru the roof. appliances have a certain shelf life--just buy new ones

Home insurance will not cover getting a new stove or oven. The problems you are having are maintenance issues and not insurance issues. However, if the oven does start a fire most likely insurance will pay for the burnt house.

I very much doubt it as it is just through wear and tear and is certainly not covered. If it was we would get the insurance company to pay for all of our new appliances.

Insurance companies don't buy appliances unless a tree falls on it (or some other peril). Sounds like you need to buy a new oven.

No it is not good you should try to continue you running insurance.

1. You original question was whether you can get new appliances from your insurance. The answer is: No. Definitely not. Insurance does not pay for replacement of things that require replacement because they are old, because they have stopped working properly, because they gradually or slowly become worse over time. Insurance pays only for things that have been damaged in a specific incident, by a covered peril, on a specific date. Insurance also does not pay for anything that was already wrong with the house when you bought it or when you got the insurance, or both. Since it already had these appliances, anything wrong with them (other than damage from weather, a fire, burglary, etc., that happened after you bought the house and after you got the insurance) is not covered. 2. There is no need to touch the oven handle directly with your skin. You can avoid burns by wearing potholders or by using an object with a hook on the end to pull on the handle. 3. Your second question was whether you can tell the insurance about the oven and get a new one. The answer is: Yes. Definitely yes. After you tell the insurance company, you can get a new one the same way as if you did not tell the insurance company: Buy purchasing a new one, yourself, with your money. 4. I am not convinced that the oven is really a fire hazard. In-wall ovens in the 1970's could get up to 500 degrees or more when using the "broil" or "self-clean" features. It should not have been installed in a way that would allow the wood to catch fire simply because the oven temperature reached 400 degrees when set for 350. 5. There is no need to replace the entire stove. Replacing the burners and/or the wiring should be enough to fix the problem.

maintenance is not covered by insurance replacing your oven is called maintenance. you know there is a problem with it, if you don't replace it and you have a fire, it's highly likely that insurance will not pay for your damages = because the fire was due to your LACK of maintenance. the stove is also not covered by insurance. if you would like a new stove go by one, this would be called maintenance also. also, would the oven or stove even cost more than the deductible of the insurance?

Two points: 1. You have a deductible on your home insurance. Probably $500 to $1,000 I am sure you don't have a $0 deductible - these policies are extremely expensive 2. If you make a claim, your home insurance premiums will go up. Some insurance companies will even cancell you (ask anyone) 3. You cannot get the insurance to pay just because an applican CAN catch on fire. You have to wait for the fire to happen and destroy your home first. If this were the case, people would be getting new appliances from their home insurance. Home insurance would cost more than anyone could ever possibly afford