What is Equipment Breakdown Coverage?

What is Equipment Breakdown Coverage?

Equipment Breakdown Coverage in a Dwelling Property insurance policy provides protection for sudden and accidental mechanical or electrical breakdown of household equipment and systems. This coverage typically extends beyond what may be covered by a standard homeowner's insurance policy. Here are some examples of what Equipment Breakdown Coverage may include:

1. **Home Appliances**: This coverage can protect essential household appliances such as refrigerators, stoves, ovens, dishwashers, washing machines, and dryers.

2. **Heating and Cooling Systems**: It can cover central air conditioning units, furnaces, heat pumps, and other heating and cooling systems.

3. **Electrical Systems**: Coverage may extend to electrical panels, wiring, and other built-in electrical systems within the home.

4. **Plumbing Systems**: This can include coverage for water heaters, well pumps, and other plumbing systems.

5. **Home Electronics**: Some policies may cover damage to home entertainment systems, computers, and other electronic equipment.

6. **Power Surges**: 

Equipment Breakdown Coverage may also protect against damage caused by power surges.

It's important to review the specific terms and conditions of the Equipment Breakdown Coverage in your policy to understand the full scope of protection provided. Keep in mind that coverage can vary between insurance providers, so it's always best to consult your insurance agent or provider for detailed information regarding your policy's coverage.

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