Equipment Breakdown Coverage

Equipment Breakdown Coverage

Your home is more than just a living space; it’s a place filled with valuable appliances and systems that make daily life comfortable and efficient. Yet, even the most dependable equipment can experience unexpected breakdowns. This is where equipment breakdown coverage comes in, offering essential protection against the financial burdens that arise from these unforeseen incidents.

Understanding Equipment Breakdown Coverage  

Equipment breakdown coverage is tailored to address the costs associated with sudden and accidental breakdowns of vital household machinery. From your HVAC system ensuring climate control to kitchen appliances that simplify meal preparation, breakdowns can lead to unexpected expenses and disruptions to your daily routine. 

Navigating Risks  

Just as insurance policies have different coverages for different scenarios, different homeowners face varying levels of risk regarding equipment breakdowns. Homes equipped with modern appliances, heating and cooling systems, and even smart technology are reliant on these components. A malfunction or breakdown can result in not only repair or replacement costs but also additional expenses due to interrupted services. The average annual amount that a homeowner spends on maintenance and repairs is about $2,500. Homeowners may even face the risk that their annual home repairs cost more than the average, especially if they purchase an older home that may not have been maintained frequently.

Household Equipment Breakdown Coverage blankets an assortment of essentials, including:

  • Air Conditioning and Heating Systems
  • Air Tanks
  • Central Vacuum Systems
  • Computer Equipment
  • Electric Doors and Locks
  • Emergency Generators
  • Entertainment Equipment
  • Hot Tub and Sauna Equipment
  • Kitchen Appliances
  • Pool Filter Pumps
  • Security Systems
  • Sump Pumps
  • Washers and Dryers
  • Water Heaters and Boilers


Being a homeowner means being prepared for unexpected challenges. By investing in equipment breakdown coverage, you’re ensuring that your home remains a safe place that provides you comfort and convenience, regardless of unexpected breakdowns. Don’t let equipment failures disrupt your daily routine.

Get in touch with our experts to explore coverage options tailored to your home’s unique needs. Your appliances and systems contribute to your home’s value; allow us to ensure they’re shielded from potential breakdowns.

We are here for all your insurance needs. 

To find out more, contact one of our talented Risk Advisors today!


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