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Home Appliance & Equipment Breakdown Coverage

Keep your home running smoothly.

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 older equipment, it provides coverage for issues that happen out of the blue and will 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

We offer two options so you have protection that's tailored to your needs.

Essential Coverage:

Let's Start With the Basics

Essential coverage can be purchased up to a $250,000 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.

Enhanced Coverage:

Go the Extra Mile

Enhanced coverage can be purchased up to a $500,000 limit and offers the same protection as Essential coverage, but if you have a Masterpiece® Contents policy, your protection extends to home equipment like personal computers, portable humidifiers, small countertop appliances, and more.


This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.

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