Equipment breakdown coverage

Don't come home to an unwelcome surprise

Equipment breakdown coverage is for mechanical, electrical, and pressure systems breakdown. Available for participants in our home, renters, and condo insurance programs.

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Member Benefits offers Equipment Breakdown Coverage* for participants in our home insurance program.

Surprise! You wake up to find your furnace or air conditioner stopped working, your electronics were fried by a power surge, or your refrigerator has died. These costly events can turn your household finances upside down.

Member Benefits offers Equipment Breakdown Coverage* for participants in our home, renters, and condo insurance programs. The premium is only $26 annually, with a $500 deductible and a $100,000 limit.**

Equipment breakdown coverage provides primary coverage for mechanical, electrical, and pressure systems breakdown. This inexpensive coverage reduces gaps in home coverage, provides green environmental coverage and efficiency improvements, and can replace more costly home warranty programs and “big-box” retailers’ extended warranties.

  • Covers breakdown of washer/dryer, refrigerator, oven, pool/spa equipment, and more.
  • Covers breakdown of boilers, furnaces, heat pumps, solar units, air conditioners, electrical panels, hot water heaters, humidifiers, and more.
  • Covers breakdown of computer, telephone, audio/video systems, televisions, security systems, and more.

*Equipment breakdown coverage does NOT apply to equipment failure resulting from age or normal wear and tear.

**Pricing as of July 2017. Subject to change.

Equipment Breakdown Coverage frequently asked questions

Does my homeowners or rental policy cover equipment breakdowns?

No. Your homeowners or rental policy does not cover the cost of repairing or replacing essential equipment in your home when it breaks down.

Doesn’t my landlord’s insurance cover me?

Your landlord’s policy does not cover your personal property. The homeowners or commercial property insurance policy your landlord carries insures the landlord’s property, not yours. If a power surge causes equipment failure, in most cases you would be responsible for the financial costs for repair or replacement unless you have Equipment Breakdown Coverage.

How does this differ from extended warranty programs or service agreements?

These contracts typically cover one piece of equipment. They may have strict limitations and only cover certain parts of the equipment. These programs are designed to cover the equipment for a limited time and the term usually ends long before breakdowns commonly occur. The cost of these types of agreements vary widely and can be expensive depending on the product.

What if the breakdown occurs while the equipment is not on the property that is insured?

We will pay for loss or damage to covered property resulting from a covered equipment breakdown while temporarily at a premises or location that is not an insured premises. This coverage does not apply to any motor vehicle. This off-premises coverage is limited to $10,000.

Does the replacement have to be of like kind or quality to be covered?

Our market-leading “Green” coverage may provide up to 150% of the cost of repairing or replacing your covered property with an alternative that is better for the environment, safer, or more efficient than the equipment being repaired or replaced.

Add Equipment Breakdown coverage to your existing home, condo, or renters policy, or get more details about this coverage.

  • Call one of our Personal Insurance Consultants at 1-800-279-4030.

  • Schedule a free phone consultation at a time that’s convenient to you.