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More Information About the Equipment Breakdown Coverage for Homeowner Insurance

Updated: Jan 14, 2021

Homeowner Equipment Breakdown coverage protects you from the expensive repair or replacement costs of mechanical or electrical breakdown, rupture, or explosion of your home systems and appliances. Many individuals believe that their systems and appliances are covered by a traditional Homeowner policy, but this is often not the case. The cost to fix or repair these systems is typically considered a cost of equipment ownership. If these systems malfunction, the repair or replacement costs can be costly and unexpected. Homeowner Equipment Breakdown coverage helps protect homeowners from this potential financial burden.

Some examples of protected equipment under Western National’s Homeowner Equipment Breakdown coverage include:

  • AC systems

  • Deep well pumps

  • Dishwashers

  • Heating systems

  • Lawn tractors

  • Media systems

  • PCs and laptops

  • Pool filtration systems

  • Ranges/ovens

  • Refrigerators

  • Vacuum systems

  • Washers/dryers

  • Water heaters

  • …and more!

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