Adding equipment breakdown coverage to your home insurance policy is similar to a home warranty but for a fraction of the cost. This added coverage covers the mechanical breakdown of most important home systems including AC and appliances.

Most homeowner’s have heard of a home warranty plan but a lesser known, yet equally effective and less expensive option, is the addition of equipment breakdown coverage to your existing homeowner’s policy. One way to think about this type of coverage is that it is accident, health, and disability for some of the most important components of your home.

According to most major insurance carriers, equipment breakdown coverage is growing dramatically. Some of the things this type of policy covers include:

  • Washers and dryers
  • Computers and peripheral equipment
  • Dishwashers
  • HVAC
  • Refrigerators
  • Ovens
  • Sump pumps
  • Swimming pools
  • TVs
  • Water heaters

If any of the above items were to break or malfunction, you would be looking at a large cost to either repair or even replace. Typically, standard homeowner’s policies exclude these types of losses. And, home warranty policies tend to be very expensive as well as being confusing and burdensome to manage.

Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to a mechanical, electrical, or pressurized systems breakdown. In addition to coverage, loss prevention information and loss adjustment services are customized at a fraction of the cost of limiting Home Warranty products. Best of all, this additional coverage follows the terms and conditions of your insurance policy

If you have any questions about adding equipment breakdown coverage to your policy or any other insurance related questions, please contact us today at