Why You Need equipment breakdown coverage

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Reasons you may need Equipment Breakdown Coverage:

Appliances
Water Heater
Computers
HVAC

PROTECT YOUR HOUSEHOLD EQUIPMENT:

Today’s homes are filled with advanced appliances and essential household systems — from heating and cooling units to refrigerators, washers, dryers, and even smart technology. These items bring comfort, convenience, and efficiency to everyday life, but when they suddenly break down due to a mechanical or electrical failure, the repair or replacement costs can be significant. Standard homeowners policies typically don’t cover these types of unexpected breakdowns, leaving you with an expensive surprise. That’s where Equipment Breakdown Coverage comes in. By adding this affordable protection to your homeowners policy, you safeguard major home equipment and appliances against sudden and accidental breakdowns, helping cover the cost to repair or replace them. It’s a smart way to protect your investment in modern household technology and ensure peace of mind when life’s essential systems stop working.

What’s Covered:

Equipment Breakdown Coverage:

  • Electrical Panels
  • Well pumps
  • Filtration systems for air and water
  • Chair lifts and elevators
  • Sauna Equipment
  • Motors
  • Central air conditioning including compressors, condensers, and air handler units
  • Heating equipment including boilers and heat pumps
  • Home security systems
  • Ventilating systems and exhaust fans
  • Water heaters
  • Emergency generators
  • Central vacuum systems
  • Swimming pool or hot tub filtration
  • Computer equipment and other home electronics (e.g., televisions, audio systems)
  • Portable kitchen or laundry appliances (e.g., dishwashers, washing machines, electrical dryers, microwaves, stoves)
  • Refrigerators and freezers
  • Smart home automation systems

Additional Options

To help you recover as quickly as possible, Equipment Breakdown Coverage also provides:

  • Expediting expenses – reasonable costs up to $2,500
  • Spoilage coverage – loss of perishable goods resulting from spoilage with a $2,500 maximum in a 12-month period
  • Pollutant clean-up and removal – $2,500 maximum in a 12-month period

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

  • Direct physical damage from sudden and accidental mechanical or electrical breakdown, bursting, cracking, or splitting.
  • Electronic circuitry impairment of microelectronic components when there is no evidence of physical damage, but replacement of component restores functionality.
  • Indirect losses such as Loss of Use, Expediting Expenses, Spoilage, and Pollutant Clean-up may be covered.
  • Electrical power surge or brownout caused by lightning
  • Lightning, windstorm, freezing, or ice
  • Vandalism and theft
  • Normal wear and tear
  • Fire resulting from home system breakdown
  • Flood water backup from sewer or sump pump

EQUIPMENT BREAKDOWN

WARRANTIES

Covers sudden and accidental breakdown due to failure of mechanical, electrical and pressure systems

Covers wear and tear within a specified length of time

May require home inspection

Requires a home inspection/equipment categorization

Low annual premium with a $500 deductible (is available)

Cost an average of about $500 per year plus service call deductible. Retailers’ extended warranty can cost $100 for each item

I Know What I Need

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.