Equipment Breakdown Coverage For Homeowners

Affordable protection for sophisticated household equipment

From kitchen appliances to home entertainment equipment to air-conditioning systems, more and more of today’s homes are outfitted with sophisticated equipment. In response to this progress, we offer equipment breakdown coverage for homeowners’ policies. With no upcharges for our best protection, this equipment breakdown enhancement helps protect you from costly equipment breakdowns at a competitive price.

Enhanced features beyond standard homeowners policy

Coverage up to $100,000 responds to a variety of equipment breakdown losses
Primary coverage provided for artificially generated electrical surges
Additional layer of electrical surge protection available with surge gap coverage
Spoilage coverage up to $10,000 for lost fresh and frozen goods due to an equipment breakdown
Sump pump overflow coverage
Coverage for heating and cooling water piping system or appliance damaged by equipment breakdown
New generation coverage provides up to 50 percent more loss payment when making efficient equipment upgrades
Highly responsive claim services backed by more than 160 years of personal lines experience

Sample Losses

Air conditioner compressor had a mechanical breakdown and required replacement

TOTAL LOSS: $4,200

A Whole home electrical lightning system suffered an electrical breakdown including burned-out master controller

TOTAL LOSS: $50,000

A voltage spike damaged home entertainment equipment, including a receiver, Blu-ray player and flat screen television

TOTAL LOSS: $6,000

Due to excessive heat, a liner weld crack formed on an 80-gallon solar hot water tank. The entire system, including solar panels, was replaced

TOTAL LOSS: $12,055

Covered Equipment:

Air-conditioning and heating equipment
Air Tanks
Attic Fans
Central Vacuum systems
Communication equipment
Electric doors and locks
Fiber optics
Home Gym Equipment
Hot Tub and Sauna Equipment

Kitchen Appliances
Pool Filter Pumps
Residential Yard Maintenance Equipment
Security Systems
Smart Home Technologies
Solar Panels
Sump Pumps
Washers and Dryers
Water Heaters and Boilers
Wine Cellar Climate Control

Trade Lake Mutual Insurance

(715) 653-6133