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Homeowner Insurance

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Equipment & Appliance Breakdown Coverage

Homeowners depend on the comfort, convenience and security their home systems and equipment provide. Unfortunately, most are surprised to learn things like the heating, air conditioning, hot water, or electrical systems are usually not covered by insurance policies, warranties, or service contracts. A sudden mechanical breakdown can cost thousands of dollars, but adding Equipment and Appliance Breakdown Coverage to your homeowner policy helps you have the coverage you need when the unexpected happens.

Examples of covered personal property include:

  • Kitchen and laundry appliances
  • Home entertainment equipment
  • Computers, peripherals, and wireless devices
  • Power tools and shop equipment
  • Mobile medical equipment
  • Portable generators and sump pumps

Examples of covered home systems and equipment:

  • Central air conditioning
  • Boilers, furnaces and heat pumps
  • Conventional and solar water heaters
  • Radiant floor heating
  • Renewable heating (e.g., solar, wind, geothermal)
  • Water purification and filtration
  • Well pumps, installed sump pumps
  • Pool and spa pumps, heating and filtration
  • Electrical service panels
  • Permanent emergency generators
  • Home security monitoring and control devices
  • Chair lifts and elevators

Examples of Equipment & Appliance Breakdown Coverage Expenses:

A six-year-old air conditioning compressor operated in an overheated condition for an extended period, leading to an electrical breakdown of the compressor which had to be replaced.

Total Loss: $5,100

The insured's water softener is 15 years old. The control timer broke and the system cannot be repaired.

Total Loss: $1,750

Equipment & Appliance Breakdown Coverage:

  • Coverage Limit .................................... $10,000
  • ....................................................... $25,000
  • ....................................................... $50,000
  • ....................................................... $100,000
  • Deductible ......................................... $500.00
  • Excludes NYC HO 00 02 and HO 00 02