Rest Easy with Equipment Breakdown Coverage

Equipment breakdown coverage is a simple add-on coverage that fills the gaps in your homeowners insurance policy.

Most homeowners insurance policies don’t cover the cost of repairing or replacing essential mechanical equipment, such as appliances or heating systems, in your home when they break down. But Equipment Breakdown Coverage lets you rest easy knowing that your home systems are protected.

✔ Simple to Understand
✔ Very Affordable
✔ Easy to Add

Modern machines aren't made to last

Within four years of manufacture:

Refridgerator

36% of side-by-side refrigerators break down
Washing Machine

25% of front-loading washing machines seize
Dishwasher

20% of dishwashers break down

Without coverage, you could be on the hook for out-of-pocket costs

 

Electrical Breakdown

  • Power surge
  • Equipment overheating
  • Improper ventilation

Shorted well pump motor: $2,000 to fix without coverage

Mechanical Breakdown

  • Lack of lubrication
  • Equipment overheating due to prolonged usage

Seized air conditioning compressor: $2,500 to fix without coverage

Pressure Systems Breakdown

  • Overpressure
  • Overheating

Ruptured water heater: $1,100 to fix without coverage

Thankfully, equipment breakdown has you covered

  • Solar Panels
  • Washer/Dryer
  • Smart Home
  • Monitoring System
  • Electrical Service Panel
  • Water Heater
  • HVAC System
  • Dishwasher
  • Range/Oven
  • Ceiling Fan
  • Smart Lighting
  • Plugged-in Electronics
  • PCs and Laptops
  • Refrigerator
  • Media System — TV
  • High-tech Audio Equipment
  • Pool Filtration System

Newer appliances and electronics break down too

Power surge damage is the leading cause of equipment breakdown and can affect all of your electrical equipment – new or well worn.

  • Average cost: $3,250 per claim
  • Can damage multiple pieces of equipment at once

Extra Protection for Peace of Mind

✔ Off-Premises Coverage

Equipment that travels with you is covered from equipment breakdown.

✔ Expedited Expense

Don’t wait to call your repair technician! The cost to expedite necessary repairs is covered.

✔ Green Coverage

Upgrade equipment with environmentally friendly alternatives.

✔ Refrigerated Property

Get reimbursed for perishable goods that spoiled in your freezer or refrigerator due to an equipment breakdown.

Explore more ways to protect yourself from unexpected equipment expenses.

Contact Us Today