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