A sudden power surge is one of many disturbances that can damage your appliances. Repair and replacement costs can be expensive and are not often covered by traditional insurance policies or home warranties. You can add optional Equipment Breakdown Coverage to your home insurance policy for only $50 per year.
Damage to your service lines, such as power or water, can get costly fast. Protect yourself from unexpected expenses by bundling Service Line Coverage with Equipment Breakdown for only $80 a year. With our Premier policy, this bundle comes at no extra cost.
To add this protection, you can either call your agent or contact us at: (866) 999-5545
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.
Just take one walk through any home, and it's easy to see how quickly electronic and appliance breakdowns can break the bank. Check our exposure handout for more information.
Equipment Breakdown does not cover wear and tear. Read our loss scenarios guide for examples of what is - and is not - covered.
The typical equipment includes, but is not limited to:
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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:
This coverage protects the pipes and lines that enter your home providing everyday services, such as electrical, water, sewer, or communication lines. We highly recommend adding Service Line coverage to your homeowners policy by purchasing it with Equipment Breakdown coverage.
You can combine Equipment Breakdown and Service Line coverage for $80 a year.
The Service Line addition includes coverage for:
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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.