Find an Agent
Contact Us
Search
Search
women looking at the home appliances

Equipment Breakdown Coverage

Home Insurance Add-On

Get help covering costs associated with repairing and replacing home appliances and equipment.*

Continue Previous Quote
 

Learn More

Arrow

What is equipment breakdown coverage?

Equipment breakdown coverage is an optional home insurance add-on. It helps protect you from costs associated with home appliances or equipment suddenly breaking down.*
shield divider

Equipment Breakdown Coverage Examples

Learn more about the types of equipment and appliance failures equipment breakdown insurance may cover.
Lightbulb
Did you know?
In 2018, Consumer Reports surveyed tens of thousands of people about their appliances.** The data suggests that around 25% of new refrigerators have issues within two to five years. Yet, the typical warranty expires after one year.
a person holding a baby
Mechanical Breakdowns
The fan on your refrigerator suddenly seizes, causing its compressor to overheat. Replacing it without equipment breakdown coverage could cost $1,250 or more.***
a man using a laptop
Electrical Damage
Your smart home system and laptops are beyond repair after a high voltage surge. Replacing them without equipment breakdown insurance could cost thousands of dollars.
a baby in a sink
Pressure System Failures
An over-pressurized event causes your water heater to rupture. Without added equipment breakdown coverage, a new one could cost $1,450 or more.***
question mark

Frequently Asked Questions

Trusted by over 12 Million Customers & Counting

a white t-shirt with blue text

90+ Years

Over 90 years in business protecting our customers
a blue star with a black background

Ranked by Forbes

Named one of America’s Best Insurance Companies by Forbes
icon

12 Million Customers

Reliable, quality coverage for customers across 19 states

Start Your Quote

Do It Yourself - Start a Quote

Do It Yourself

Go your own way — get quick pricing and coverage options online.
Work With An Agent

Work with an Expert

Choose the perfect agent for you and get free, no-pressure advice and pricing.
Find an Agent

*Equipment Breakdown Coverage provides protection should appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems sudden breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.

**How Long Will Your Appliances Last, Consumer Reports, www.consumerreports.org/appliances/how-long-will-your-appliances-last/ (last visited April 11, 2023) [http://perma.cc/TP2C-34FD]

***This loss scenario is for illustration purposes only. Actual coverage, exclusions, deductibles and policy limits will be determined by the issued policy language.