For an optimal site experience, we recommend using a different browser.
Using Internet Explorer may prevent you from accessing, and some site features may not function as expected.

skip to main content

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.



Tips & Resources

We help you stay ahead and informed with these helpful tips and tricks

3 things to do before making home improvements

Whether you’re renovating the entire house, updating your kitchen or installing a new home theater, here are three things you’ll want to do

Top 6 ways to make your home more energy efficient

To save money and improve your home’s energy efficiency, you’ll want to start with its outer shell – the walls, windows and doors – then mo


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.

Get a quote
Get a quote

Find an Agent

Speak to an independent agent about your insurance needs.