Home Appliances & Equipment Coverage

A kitchen range enables you to cook the perfect meal. The HVAC system keeps your family cozy on a cold winter night. Your electrical system powers the lights, coffee maker, and Wi-Fi, and so much more. It's the appliances and systems in your home that help keep your life running smoothly. You probably don't notice your home equipment until it stops working.

What is equipment breakdown coverage?

Your homeowner’s policy wasn’t designed to cover home equipment or appliances that are damaged or stop working. While Equipment Breakdown coverage doesn't cover the normal "wear and tear" of equipment, it is designed to pay for the repair or replacement of damaged home appliances or equipment like an HVAC system, electrical system or kitchen range, without depreciation. You’re eligible for this coverage if you have a Masterpiece® Homeowners, Condominium, or Co-op policy, or if you have more than one home or want to protect a separate home office building or barn.

Chubb Equipment Breakdown Coverage Options

— Equipment Breakdown coverage can be purchased up to a $500,000 limit and covers breakdown of your permanently-installed home equipment, including heating and cooling systems, appliances, water heaters, swimming pool equipment, well pumps, permanently-installed generators and transfer switches, and permanently-installed home automation and security systems.

— Your protection also extends to home equipment like personal computers, portable humidifiers, small countertop appliances, and more.

Disclaimer: This information is descriptive only. All products may not be available in all provinces and territories. Coverage is subject to the language of the policies as issued.