Are you concern with this line describing excluding items? "motorized devices and their parts which are
permanent additions or fixtures to a
residential or commercial building"


Here's the policy document itself, https://web.aexp-static.com/us/conte...W-DOC-CCSG.pdf

I feel like appliances are not fixtures to a residential or commercial building.

For comparison, here's CitiCard's language regarding fixtures "Land, buildings or permanently installed fixtures, such as windows, wallpaper or wall-to-wall carpeting."