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Things Break.

Be ready with Home Equipment Breakdown Coverage.

Today’s modern home is loaded with systems and equipment that can be expensive to fix when they break. Air conditioners, appliances, pool pumps and security systems can cost thousands to repair and replace. See what's covered.


You Could Save Thousands

Homeowners Equipment Breakdown coverage is a key add-on that fills the gaps in your standard homeowners policy to protect against mechanical failure or electrical breakdown. It includes just about everything plugged into your wall. In the event of a major breakdown, it can help save you thousands of dollars.

  • A single power surge could cost you $30,000 in damages to your home equipment.

  • It can cost anywhere from $15,000 - $40,000 to replace your HVAC system.

  • Replacing a well water pump can easily run you $2,000.


How Does It Work?

For a small cost (many times less than $50) you can add this coverage onto your CoverCorps home insurance policy. In return you'll be covered up to $100,000 per occurrence, like when your pool pump breaks down or an electrical surge takes out your TV's and computers.

Appliances in a Home
on Average

Cost to Replace a
Major Home

Average Cost to Add
EB Coverage


Equipment Breakdown Brochure

Download and save our Homeowners Equipment Breakdown Brochure to learn more.


What Does It Cover?

A lot! Good rule of thumb: if it uses electrical power, it's most likely covered. Here's a complete list. Also check out the interactive home map for real life examples of breakdowns that were covered.

  • Washers/Dryers
  • Dishwashers
  • Refrigerators/Freezers
  • Microwaves
  • Ovens
  • Garbage Disposals
  • Heating and Cooling Systems
  • Water Heaters
  • Well Water Pumps
  • Sump Pumps
  • Home Security Systems
  • Lighting and Monitoring Systems
  • Computer Equipment
  • Televisions
  • Surround Sound Equipment
  • Swimming Pool Equipment


Still Not Sure? Let's Run Through It.

Here are some commonly asked questions about Equipment Breakdown coverage.

What is Equipment Breakdown Coverage?

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How important is coverage for internal breakdowns to your home appliances?

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How expensive is it to replace or repair home equipment?

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How Does This Coverage Differ From a Home Warranty?

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Is There Coverage For Personal Property Away From the Insureds Home?

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Your home security system experienced severe electrical damage. Would Equipment breakdown cover this type of damage?

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Your neighborhood experiences a power surge that takes out several electrical devices in your home. Is it covered?

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