Your home is filled with essential systems and appliances—HVAC, water heaters, refrigerators, security systems, and more. But what happens when they suddenly fail due to mechanical or electrical breakdown?
Most people assume their homeowners insurance or manufacturer’s warranty will cover it, but that’s not always the case. That’s where Equipment Breakdown Coverage comes in—it protects your home’s vital systems from costly repairs or replacements.
What Is Equipment Breakdown Coverage?
This affordable endorsement covers damage caused by mechanical, electrical, or pressure system failures in home equipment. Unlike standard warranties, this coverage applies to a wide range of home systems and appliances, all under one policy with no separate service fees.
What Does It Cover?
🔹 HVAC Systems – Air conditioning, furnaces, and heat pumps
🔹 Electrical Systems – Home wiring, circuit breakers, and generators
🔹 Home Appliances – Refrigerators, dishwashers, washing machines, dryers
🔹 Smart Home Devices – Security systems, automation controls
🔹 Water Heaters & Pumps – Boilers, hot water tanks, well pumps
🔹 Pool & Spa Equipment – Heating and filtration systems
🔹 Computers & Home Electronics – TVs, media equipment, gaming consoles
When Would You Need Equipment Breakdown Coverage?
🚨 Power Surge Damage – A sudden surge destroys your boiler, security system, and home entertainment system.
💨 AC Compressor Failure – Your air conditioning unit shorts out, requiring a full compressor replacement.
🔥 Dryer Malfunction – A relay short causes overheating, and the unit must be replaced
Without this coverage, you’d be paying out of pocket for these unexpected breakdowns.
Why Not Just Rely on Warranties?
🛠 Manufacturer warranties are limited – They expire and may only cover defects, not power surges or wear and tear.
⚠ Home warranties have restrictions – They often charge service fees and may exclude specific parts or types of failures.
🏡 Equipment Breakdown Coverage is broader – Covers all major home systems and appliances under one policy, making it a cost-effective solution.
Protect Your Home’s Most Important Systems
At Rathbun Insurance, we know how important it is to keep your home running smoothly. Don’t wait until a major system fails—let’s make sure your homeowners policy includes Equipment Breakdown Coverage so you’re not stuck with an unexpected repair bill.
📞 Call us today to add this essential protection to your policy!
