(419) 423-9145

Equipment Breakdown Coverage What Is It

Equipment Breakdown Coverage: What Is It?

July 14, 2023


We get this question a lot! What is equipment breakdown coverage? It’s actually quite simple…just what the name suggests! If a mechanical system in your home breaks down, the equipment breakdown coverage takes care of the damages to your equipment.

Equipment Within A Home

When you sit back and think about the average American house, there are a ton of systems keeping the home operational.

The coverage applies to the following equipment:

  • Washers and Dryers
  • Computers
  • HVAC Systems
  • Water Heaters
  • Sump Pumps
  • Security Systems
  • Dishwasher
  • Refrigerators and freezers
  • TVs
  • Garbage Disposals
  • Ovens
  • Microwaves
  • Well Water Pumps
  • Electrical Panels

Equipment Breakdown

There are a number of events that can trigger this coverage. So, let’s discuss a few.

Equipment breakdown is intended to cover situations, such as…

  • Electrical failures
  • Losses in pressure
  • Mechanical breakdowns

Examples of Equipment Breakdown

Let’s look at an example to help better illustrate equipment breakdown.

You are working on your computer when you get the dreaded black screen. Trying to stay hopeful about the situation seems like a waste. Soon you feel the anger and frustration start to build as your heart rate increases. Your computer has crashed. It will not even turn on. The next step is to get data recovery and replace the hard drive. Damage here could amount to thousands of dollars if you need to salvage the data!

While this is just one example, there are many situations involving equipment breakdown. Check out this interactive map of a home.  It looks at different aspects within the home and explains some loss examples. There are also some great maintenance tips on how to prevent damage from occurring in the first place.

Adding Equipment Breakdown Coverage

Contact us today to discuss how to add this coverage to your homeowner’s insurance policy. It is automatically included in our high value estate programs. The coverage is less than you might think! It can be endorsed on our package plans for about $25 to $50 per year!

As a new or seasoned home owner, it is important to understand what your home insurance covers.