Believe it or not, in the world of insurance there is coverage for just about anything you can think of! One of the lesser known coverages available to homeowners, business owners and farm owners is Equipment Breakdown Coverage.

Equipment Breakdown Coverage was created to cover losses to major appliances and/or equipment that are caused by mechanical or electrical breakdown. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown event itself:

Homeowners

For homeowners, Equipment Breakdown Coverage functions similarly to a home warranty, covering everything from refrigerators to furnaces if they break down. The difference is that you can add equipment breakdown coverage to your home insurance policy as an endorsement; a home warranty is typically a separate product that you buy through a separate entity.

Rockford Mutual provides homeowners coverage for the following equipment:

• Air conditioners
• Computers and peripheral equipment
• Electrical doors and locks
• Equipment related to hobbies, woodworking, restoring cars, etc.
• Heating equipment
• High-efficiency lighting systems
• Home entertainment equipment
• Home gym equipment
• Jacuzzis and related equipment
• Kitchen appliances
• Pumps
• Sauna equipment
• Security systems
• Swimming pool equipment
• Telephone systems
• Washers and dryers
• And more…