Equipment Breakdown

Did you know?

is spent by Americans per year on appliances. Yep, billions.


of refrigeration and air conditioning failures are due to electrical issues.


of appliance insurance claims result from power surges.


is the cost of an average power surge claim.

Frequently Asked Questions
Equipment Breakdown Coverage

The typical equipment includes, but is not limited to:

  • Freezers and Refrigerators
  • Swimming Pool Equipment
  • Surround Sound Systems
  • Home Security Systems
  • Microwaves and Ovens
  • Computer Equipment
  • Central A/C Systems
  • Washers and Dryers
  • Garbage Disposals
  • Well Water Pumps
  • Water Heaters
  • Sump Pumps
  • Dishwashers
  • Heat Pumps
  • TVs

Standard home insurance policies do not cover appliances or equipment breakdown. It's available as an option to add to your policy. Our Equipment Breakdown endorsement provides coverage up to $100,000 for sudden electrical, mechanical, or pressure system breakdown to your home’s equipment.

Equipment Breakdown vs Wear and Tear

Equipment Breakdown does not cover wear and tear. Wear and tear is the natural deterioration of a machine’s ability to perform its intended function which occurs as a machine reaches the end of its “life expectancy.” This is determined by the quality of installation, the level of maintenance, moisture/humidity, vibration, heat and cold, or intensity of use. Equipment Breakdown refers to a sudden loss of functionality.

Download our Loss Scenarios guide for examples of equipment breakdown versus wear and tear:

You can add equipment breakdown coverage to your insurance policy for $50 a year.

You are responsible for paying $500 per claim. We’ll take care of the rest.

No. Extended warranties are often expensive and only cover one appliance per warranty. The Equipment Breakdown endorsement is a lot different than coverage from warranties and provides breakdown coverage for all of your household’s electrical equipment.

Download this quick guide to compare the value of Equipment Breakdown to a product warranty:

To file a claim call Customer Service at (877) 333-9992 or file a claim online in our customer portal:

Frequently Asked Questions
Service Line Coverage

You can combine Equipment Breakdown and Service Line coverage for $80 a year.

 The Service Line addition includes coverage for:

  • Water, sewer, and drainage pipes
  • Ground loop piping for heat pump
  • Telecommunications wiring
  • Steam piping to heating system
  • Fiber optic cables


No. Service Line coverage can only be combined with Equipment Breakdown coverage when added to your policy.

Yes. In addition to providing coverage for repairs associated with a service line failure, Service Line coverage extends to the following:

  • Reimbursement for temporary living expenses.
  • Expediting expenses so you can make immediate repairs.
  • Environmental Safety and Efficiency Improvements.

Learn more about these coverages

Tips to Maintain Your Appliances and Service Lines

  • Change your HVAC filters once or twice a year.
  • Periodically clean the coils on your fridge. When these are exposed to a lot of dust, they can wear out the compressor and raise energy bills.
  • Check for mice nests near wiring - such as in A/C Units and lawn equipment.
  • Remove debris from outside pipes once or twice a year. If you live in a heavily treed area, you should do this on a regular basis.

For more home maintenance tips, please visit our blog. You can find maintenance tips by filtering for any of the home topics.