When you think of protecting your home, you likely picture coverage for fire, theft, or natural disasters. But what about the essential systems and appliances that make your home livable and comfortable—your HVAC system, refrigerator, or even your home generator? That’s where Equipment Breakdown Coverage steps in.
Equipment Breakdown Coverage is a type of protection added to your standard Homeowner insurance policy that covers the sudden and accidental mechanical or electrical breakdown of essential home equipment. Unlike wear and tear, which isn’t covered, this policy steps in when a power surge, motor burnout, or similar incident damages major home systems or appliances.
Modern homes are more reliant than ever on electronics and mechanical systems. From your kitchen appliances to heating and cooling systems, a failure in one of these components can be costly and inconvenient. Standard homeowner policies often exclude this type of internal failure. With Equipment Breakdown Coverage, you’ll have the peace of mind knowing you’re protected from those unexpected—and expensive—issues.
Here’s what most Equipment Breakdown policies may include:
Central air conditioning systems
Furnaces and boilers
Refrigerators, freezers, and washers/dryers
Water heaters and sump pumps
Home security and entertainment systems
Electrical panels and home generators
Kitchen appliances like ovens and dishwashers
While this coverage is comprehensive, it doesn’t cover:
Normal wear and tear
Improper installation or lack of maintenance
Cosmetic damage
Items still under a manufacturer’s warranty
If you’re a homeowner, small business operator, or landlord in California, you may also want to explore our General Liability Insurance to protect your property from third-party claims related to bodily injury or property damage.
We provide trusted and affordable homeowners insurance tailored for California residents. Our goal is simple: to help you protect your home, belongings, and peace of mind with coverage that fits your life. With expert guidance and flexible options, we’re here to make insurance easy and reliable.
