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    Equipment Breakdown Coverage

    Home Insurance Add-On

    Get help covering costs associated with repairing and replacing home appliances and equipment.*

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    What is equipment breakdown coverage?

    Equipment breakdown coverage is an optional home insurance add-on. It helps protect you from costs associated with home appliances or equipment suddenly breaking down.*
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    Equipment Breakdown Coverage Examples

    Learn more about the types of equipment and appliance failures equipment breakdown insurance may cover.
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    Did you know?
    In 2018, Consumer Reports surveyed tens of thousands of people about their appliances.** The data suggests that around 25% of new refrigerators have issues within two to five years. Yet, the typical warranty expires after one year.
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    Mechanical Breakdowns
    The fan on your refrigerator suddenly seizes, causing its compressor to overheat. Replacing it without equipment breakdown coverage could cost $1,250 or more.***
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    Electrical Damage
    Your smart home system and laptops are beyond repair after a high voltage surge. Replacing them without equipment breakdown insurance could cost thousands of dollars.
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    Pressure System Failures
    An over-pressurized event causes your water heater to rupture. Without added equipment breakdown coverage, a new one could cost $1,450 or more.***
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    Frequently Asked Questions

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    The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

    *Equipment Breakdown Coverage provides protection should appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems sudden breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.

    **How Long Will Your Appliances Last, Consumer Reports, www.consumerreports.org/appliances/how-long-will-your-appliances-last/ (last visited April 11, 2023) [http://perma.cc/TP2C-34FD]

    ***This loss scenario is for illustration purposes only. Actual coverage, exclusions, deductibles and policy limits will be determined by the issued policy language.