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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.


Your Masterpiece® Homeowners policy offers protection for damage to your home caused by unexpected issues, like a fire or a falling tree, but it won't cover common problems with your appliances. While Equipment Breakdown doesn't cover the normal "wear and tear" of older equipment, it provides coverage for issues that happen out of the blue. And in most cases, we'll pay for the full cost to repair or replace damaged equipment, whichever is less, without depreciation. Our Equipment Breakdown coverage is available to Masterpiece® Homeowners, Condominium, or Cooperative policyholders. It can be purchased separately if you have more than one home, and it offers protection for any other structures on your property, like a separate home office building or a barn.

We offer two options so you have the 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.

Disclaimer: 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.