Equipment Breakdown Coverage

Protect your Home’s Mechanical Equipment

Although you might take them for granted, you probably depend on several major equipment systems to keep your home comfortable. You might assume that your homeowners policy would cover the cost of repairs to these systems should they break down. But the fact is that mechanical breakdown is not a covered cause of loss under most traditional homeowners policies.

Equipment Breakdown Coverage for Homeowners provides coverage for equipment that is built-in, or permanently attached, to the home; transmits or utilizes energy; or has contents that are under vacuum or pressure. This would include Air Conditioning units, Furnaces, Heat Pump, Well Pumps, Pool and Spa Equipment, and many more. Imagine the money you can save when you have coverage for issues such as:

Mechanical Breakdown

  • Overuse of a heat pump system caused internal damage to the compressor. Replacement cost of the compressor and the refrigerant including labor cost was $8,008.
  • Deep well pump mechanism burned out cutting off the home water supply. Repair required excavation, removal of well pump and related piping to complete the replacement. Total loss was $5,035.

Built-in Equipment

  • A built-in over required repairs due to broken electronic controls as a result of an electrical short. Repair cost was $934.
  • Replacement of a counter mounted dishwasher was necessary due to control device failure. Repair was not viable. Cost to replace the dishwasher was $1,537.
  • A permanently installed wine chiller failed after the compressor burned out. Cost to replace the unit was $3,060.

Water Heaters

  • The failure of the water level control device in a cast iron boiler resulted in the burner continuing to burn and boil out all the water in the vessel. The boiler cracked as a result of the low water cut off failure. Cost of replacement was $5,000.
  • An oil furnace suffered a cracked heat exchanger and needed to be replaced. The replacement cost was $3,500.


  • Central air conditioning system sustained electrical burnout. Total cost to replace the system was $10,024.
  • A security gate motor burned out due to an internal electrical short. Cost to repair the motor was $1,750.
  • A bathroom spa system was found to have internal electrical burnout of the controls and wiring. The cost of repairs was $7,435.

Air Conditioning

  • The compressor on an air conditioning system seized up due to lack of lubrication and needed to be replaced. Replacement cost of the compressor was $2,448.
  • A heating and air conditioning unit sustained cracked coils, resulting in replacement of the unit. Total loss was $9,650.
  • An air conditioning unit’s evaporator coil cracked, resulting in direct physical damage to the air conditioning unit. The cost to complete the repairs was $869.

Please call Lynnae Insurance Group today to add this incredible benefit!