Homeowners Equipment Breakdown Insurance fills the gaps in your homeowners insurance policy, offering peace of mind that is easy to understand and affordable.

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Rest Assured with Homeowners Equipment Breakdown and Service Line Coverages

Things happen! We know all too well how unexpected events can occur, and how the associated expenses can affect even the best laid plans and budgets. Extend your homeowners policy with Equipment Breakdown and Service Line coverages to protect appliances and equipment, as well as critical systems like water, power, and sewer. In the event of a major breakdown, it can help save you thousands of dollars.

What is covered with the Equipment Breakdown and Service Line coverages?

Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to an electrical, mechanical, or pressure systems breakdown. Simply put, if it uses electric power, it is most likely subject to equipment breakdown.

View our infographic on Equipment Breakdown Coverage

Service Line coverage provides protection against a leak, break, tear, rupture, collapse or arcing of a covered service, such as:

•     Artificially generated electrical current;

•     Freezing;

•     Mechanical breakdown, latent defect or inherent vice;

•     Root invasion;

•     Wear and tear, marring, deterioration, hidden decay rust or other corrosion; and

•     Weight of equipment, animals or people.

View our commonly asked FAQ’s regarding Service Line Coverage

Why do I need Equipment Breakdown and Service Line coverages?

One power surge can destroy every electronic in your home, and a broken sewer line can make your home uninhabitable. Either event can cost you thousands of dollars to fix. That’s where Homeowners Equipment Breakdown and Service Line coverages come in. They fill the gaps in your homeowners insurance as most homeowners’ insurance policies don’t cover the cost of repairing and replacing your home equipment when it breaks down. Equipment Breakdown and Service Line coverages protect the equipment and systems that make your house a home.

Visit our microsite to learn more about Equipment Breakdown and Service Line coverages, or contact your agent to add these coverages to your Preferred Mutual Homeowners policy.

This information is intended for educational purposes only and is not legal advice and/or an authoritative guide.