Homeowners Equipment Breakdown

The Equipment Breakdown endorsement supplements the Homeowner policy by providing coverage for the types of electrical losses from accidental causes that are not lightning or power surge related. Examples include arcing, short circuiting and fusing. This endorsement also includes coverage for bursting, bulging and cracking of hot water heating and air conditioning systems and covers the repair or replacement of the damaged equipment.

Below are some bullet points on what is commonly covered:

  • Back-up power generators
  • Boilers and hot water heaters
  • Central air conditioners
  • Deep well pumps
  • Furnaces, heat pumps and heaters
  • Home security systems and control panels
  • Solar heaters Vacuum systems
  • Desktop and laptop computers
  • Exercise equipment
  • Home medical equipment

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