Accidents Happen Be Prepared When Equipment Fails

Whether it’s your home or investment property, our coverage safeguards against sudden mechanical or electrical failures like:

• Central air conditioning & heating systems
• Refrigerators, ovens & kitchen appliances
• Home office electronics, security systems
• Generators, sump pumps, smart-home devices
• Boilers, pressure equipment & water heaters

We’ll take care of repair or replacement costs and any damage caused by the breakdown itself so your home stays functional, safe, and reliable.

Standard property insurance stops at fires, storms, or external damage. But when your compressor burns out, ductwork malfunctions, or a microchip fails from a power surge that’s when Equipment Breakdown Insurance steps in to fill the gap.

Coverage focuses on the unexpected like electrical failures or sudden mechanical breakdowns. Normal wear and tear, rust, or neglect aren’t covered, preventing misuse and encouraging proper maintenance. Still, we tailor your policy to balance affordability and risk, ensuring you’re covered when it really matters.

• Repair or replace key systems and appliances
• Protect against damage from the breakdown
• Compensation for lost inventory (like fridge contents)
• Emergency labor & clean-up expenses
• Support for temporary housing or tool rentals, if needed

This is your safety net with flexible limits based on your home’s unique needs.

• Homeowners who rely on comfort systems and appliances
• Real estate investors wanting protection for rental properties
• Small businesses with tech, refrigeration, or heavy machinery on-site

If breakdowns could shut down your home or livelihood, this coverage is a smart, small investment for big peace of mind.