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Equipment Breakdown Coverage
Equipment Breakdown Coverage

Equipment Breakdown Coverage can help cover the cost of repairing or replacing equipment, appliances and systems damaged from unexpected mechanical or electrical failure. Since many homes today are equipped with advanced technology and other equipment that can represent a significant expense in the event of a loss, this coverage can offer customers additional peace of mind.


Examples of covered equipment:

  • Air Conditioning Systems
  • Ventilation Systems and Fans
  • Furnaces, Heat Pumps, Heaters, Solar Heaters
  • Well Pumps, Sump Pumps and Motors
  • Electrical Power Panels
  • Boilers, Furnaces, Water Heaters
  • Kitchen and Laundry Appliances
  • Back-up Generators
  • Pool Heating and Filtration Equipment
  • Central Vacuum System
  • Electric doors and locks



A high voltage surge damages your refrigerator's compressor. The damage to repair the part is costly, so purchasing a new refrigerator is the best option. Equipment breakdown coverage may pay to replace your covered refrigerator, up to the limits of your coverage, minus your deductible. Equipment breakdown coverage may also cover food spoilage resulting from the covered loss.


Available as a stand-alone coverage or packaged with other lines of coverage.


*Normal wear and tear, and damage from neglect and poor maintenance, are not covered by equipment breakdown coverage.

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