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Home Equipment Breakdown Coverage

By February 22, 2022Insurance

One unfortunate circumstance that many homeowners often forget to prepare for is an important piece of equipment unexpectedly breaking down. So what does home equipment breakdown coverage help you with?

It’s not the immediate struggle of being left without hot water or air conditioning that homeowners have to worry about. There’s also the unpleasant surprise of having to potentially pay thousands of dollars in repair or replacement costs. We are often calmed into a false sense of security by thinking that they are protected from home equipment breakdown through our homeowners insurance. That misconception can cost us dearly.

Why Equipment Breakdown Coverage Is Important:

Home equipment breakdown coverage not only exists to cover necessary components of our homes, like a furnace or refrigerator, but also extends to secondary machinery like backup generators and microwaves, and even devices like computers and swimming pool machinery.

While it may seem like this coverage is more important for older homes, younger homes have some other factors to account for. Newer homes often have a lot of technology, such as smart thermostats, refrigerators, and even lighting systems. These kinds of devices are especially sensitive to power surges and can be costly to repair or replace.

If you have equipment breakdown coverage, you can rest easy knowing that you’ll be able to replace a device or piece of equipment should it break such as:

  • Heating and air-conditioning systems
  • Computers and home entertainment systems
  • Refrigerators and freezers
  • Washers and dryers
  • Water heaters and furnaces
  • Backup generators
  • Home security systems


Homeowners should be aware that home equipment breakdown coverage typically does not protect us from damage caused by general wear and tear, such as rust, corrosion, or mold. It is still important to conduct regular maintenance on your equipment.

If you have more questions on home equipment breakdown coverage or any other questions, please contact us!

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