Home Equipment Breakdown Insurance
Uncommon Coverage for Common Breakdowns
Homeowner policies do not all provide the same protection. In fact, very few cover the costly mechanical and electrical equipment that keep a home operational, comfortable and secure or the expensive electronics that make it enjoyable. That's a big gap in coverage, especially since equipment failures are more common than fire losses.
Enhanced coverage eliminates worries.
Universal North America policies have been enhanced to offer optional Equipment Protection. This unique coverage protects the home's most vital systems from potential losses -- even damage that wouldn't typically be covered under warranty or maintenance contract.
Losses arising from electrical arcing and mechanical breakdown are covered, including those due to:
- Centrifugal force
- Short circuits
- Line surges
- Owner error
Equipment Protection Coverage
Air conditioning systems
Electrical distribution systems
Telephone and security systems
Computer-controlled equipment
Surround sound systems and home theater equipment
Hot water and heating systems
Well water pumps
Swimming pool equipment
Download our Home Equipment Protection Rack Card as a PDF
Easy online access
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