Equipment Breakdown Coverage

What is Equipment Breakdown Coverage?

Equipment Breakdown coverage is available through your Homeowners Insurance Policy. Whether you are a renter or a high-value homeowner, we have your equipment breakdown exposures covered.
“If it uses electric power, it is most likely subject to equipment breakdown.” Often this equipment requires sophisticated diagnostic tools and skilled technicians to oversee a potential repair. Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to an electrical, mechanical or pressure systems breakdown. Best of all, this additional coverage follows the terms and conditions of your insurance policy. Off-premises coverage is now included. Coverage was previously limited to “Residence Premise” and now we’ve extended coverage for property that is away from the described premises.

 Typical Losses

During a family vacation, a storm caused a power outage. A laptop computer and cell phone were charging when the outage occurred. When power was restored, a voltage spike damaged the items beyond repair and required their replacement. With the Off-Premises Coverage the homeowner would now be covered!
Cost of Repairs: $3,750

A personal computer (PC) used to control multiple systems (HVAC, lighting and irrigation) within the home sustained electrical damage from a power surge. Replacement of the computer and the unique programming was required.
Property Damage: $2,975


  • Clothes Washers and Dryers
  • Computer Equipment
  • Dishwashers
  • Freezer Units
  • Heat Pumps
  • Sump Pumps
  • Garbage Disposals
  • HVAC Systems
  • Security Systems
  • Refrigerators
  • Microwaves
  • Ovens
  • Surround Sound
  • Swimming Pool Equipment
  • Televisions
  • Water Heaters
  • Well Pumps

It covers what most homeowners insurance excludes.

Most homeowners policies don’t cover the cost of repairing or replacing essential equipment in your home when it breaks down. Extended warranties? They’re often expensive, hard to manage and usually cover just one piece of equipment. But Homeowners Equipment Breakdown Insurance offers a simple, comprehensive and affordable solution that covers what most homeowners policies exclude.

All your personal property and important systems are protected, even if you are away from your home.

Our Homeowners Equipment Breakdown Insurance covers all of your important home systems and property due to loss by mechanical or electrical breakdown. That includes appliances, heating and cooling systems, swimming pool equipment, water heaters, well pumps, garden tractors, home security systems, electrical systems, personal computers, home electronics and more. Off-Premise Coverage is also included if a loss occurs to covered property while away from a covered location.

You’re protected if your home becomes uninhabitable.

Homeowners Equipment Breakdown Insurance even covers you if your home becomes uninhabitable due to equipment breakdown. That’s another benefit most warranties and service contracts don’t offer.

No frustrating fine print.

Unlike limited and confusing warranties, Homeowners Equipment Breakdown Insurance is simple and straightforward. There are no hidden exclusions and no confusing fine print. Submitting claims is simple too, so you can get your equipment repaired or replaced quickly.

Peace of mind when you need it most.

The following examples of actual claims show just how valuable Homeowners Equipment Breakdown Insurance can be.

  • A gas fired boiler was leaking water. It was determined that the boiler’s low water fuel cut-off failed, causing the boiler to overheat. The boiler could not be repaired due to its age, so replacement was necessary. After the deductible, their Homeowners Equipment Breakdown Insurance paid them $5,200 to replace the boiler.
  • A 200 amp electrical panel overheated, causing an overload condition which damaged its six circuits. It was determined that the electrical panel needed to be replaced. After the deductible, their Homeowners Equipment Breakdown Insurance paid them $1,625 to replace the panel.

Talk to your insurance agent.

Your insurance representative can tell you more about all the advantages of Homeowners Equipment Breakdown Insurance — including how affordable it is. Remember, sooner or later an important piece of equipment in your home is going to break down. Don’t leave yourself unprotected. Call your insurance representative today.