Equipment Breakdown Coverage: What It Is & Why You Need It


Homeowners insurance is one of the most common types of coverage offered. It is designed to cover the cost of repairing or rebuilding your home after an accident and can provide replacement costs for personal belongings when broken or destroyed. 

What homeowners insurance does not protect against, however, is the cost to repair or replace appliances in the home when they break down due to age, overuse, or even misuse. This is where equipment breakdown insurance comes in.

In this article, we’ll explore what equipment breakdown coverage entails, what types of appliances are covered under the policy, and how you can add this important form of protection to your policy. 

What is equipment breakdown coverage?

Equipment breakdown coverage is insurance for expensive systems and appliances in your home. Should you experience a covered loss, equipment breakdown coverage helps cover the cost of repairs or replacement of your appliances.

Homeowners policies alone do not provide protection against mechanical or electrical breakdowns. For this reason, Central has designed its equipment breakdown coverage as an easy addition to an existing homeowners insurance policy.

What is protected with equipment breakdown coverage?

A variety of appliances fall under the umbrella of equipment breakdown coverage protection—both inside and outside the home—including:

Indoor Appliances and Systems:

  • High-Tech Audio Equipment
  • Media Systems and Televisions
  • PCs and Laptops
  • Ceiling Fans
  • Smart Lighting
  • Smart Home Monitoring Systems
  • Washer/Dryer
  • Range Hoods
  • Dishwasher
  • Ovens
  • Refrigerators
  • Electrical Service Panels
  • Water Heaters
  • Heating Systems

Outdoor Systems: 

  • AC Systems
  • Lawn Tractors
  • Deep Well Pumps
  • Solar Panels
  • Pool Filtration Systems

Devices that are plugged into your home’s electrical system at the time of an electrical breakdown are also covered under the policy. If your smartphone, tablet, or eReader are damaged due to an electrical surge, for example, the cost to repair or replace these items would be covered by insurance. 

Explore: Review a visual map of a typical home and electronics and appliances covered by equipment breakdown coverage on our microsite. You’ll also be able to explore some loss examples and the ways equipment breakdown coverage can help should the worst happen. 

How do I enroll in equipment breakdown coverage?

Once you’ve discovered the extensive benefits of equipment breakdown coverage, get in touch with your Central agent to discuss adding it to your existing homeowners insurance policy. If you aren’t already a Central policyholder, use this tool to find a Central agent in your area today.



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