With Homeowners Equipment Breakdown Insurance, you can have peace of mind and rest easy.

Whether you are a renter or a high-value homeowner, we have your equipment breakdown exposures covered.

Everything breaks down eventually. Systems you rely on, like your water heater, air conditioner, refrigerator, even your new flat-panel HD monitor, are susceptible to mechanical and electrical failures. If you’re not protected, repairing or replacing this critical equipment can cost a fortune.

What is covered and how to prevent loss?

Visit our interactive Homeowners Equipment Breakdown website.  Click on different appliances in the house to learn about a loss example and maintenance tips. 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. Here is an example for an Oven:  Loss Example: After a power surge, your oven won’t turn on and the digital display is flashing a signal. It seems that the control board has malfunctioned and needs to be replaced. Property Damage: $1,200 Maintenance Tip: For the best protection against a power surge in large equipment and appliances, install surge protection devices in a tiered approach. Install protection devices at your meter (often available through your electricity provider) and electrical panel, and use power strips at the point of use whenever possible.

Why You Need Homeowners Equipment Breakdown

View this infographic to learn that equipment breakdown is a simple add-on coverage that fills the gaps in your homeowners insurance policy.