Notable home systems protection coverage features
Accidental mechanical and electrical breakdown coverage
Coverage limits of $100,000 (with a $500 deductible) and $500,000 (with a $1,000 deductible) are available to repair or replace your critical home systems if they break down due to an uncontrollable circumstance, like an electrical failure caused by a power surge. Note, this does not provide coverage for wear and tear or negligence.
Coverage limits of $100,000 (with a $500 deductible) and $500,000 (with a $1,000 deductible) are available to repair or replace your critical home systems if they break down due to an uncontrollable circumstance, like an electrical failure caused by a power surge. Note, this does not provide coverage for wear and tear or negligence.
Improved-efficiency home systems replacements
We’ll pay up to 150% of the cost to replace damaged equipment with a new unit that is better for the environment, more energy efficient or safer following a covered loss.
We’ll pay up to 150% of the cost to replace damaged equipment with a new unit that is better for the environment, more energy efficient or safer following a covered loss.
Coverage for additional living expenses
If your high value home becomes unlivable due to a covered mechanical or equipment breakdown loss, we’ll pay for you to stay in temporary housing that meets your standard of living.
If your high value home becomes unlivable due to a covered mechanical or equipment breakdown loss, we’ll pay for you to stay in temporary housing that meets your standard of living.
Worldwide home systems protection coverage
Our coverage extends beyond the equipment installed on your property, offering protection for items like portable generators, laptops and other electrical equipment that travels with you.
Our coverage extends beyond the equipment installed on your property, offering protection for items like portable generators, laptops and other electrical equipment that travels with you.
Coverage when damage isn’t visible
Proof of physical damage is commonly required in order for an equipment breakdown loss to be covered, but with increased use of smart home technology, homes are becoming more digital and the cause of failure is not always visible. Our home systems coverage responds for microelectronic circuitry failures, even if damage cannot be seen.
Proof of physical damage is commonly required in order for an equipment breakdown loss to be covered, but with increased use of smart home technology, homes are becoming more digital and the cause of failure is not always visible. Our home systems coverage responds for microelectronic circuitry failures, even if damage cannot be seen.
Thoughtful service, proactive support
Claims service that exceeds your expectations
If you have a home system or and equipment breakdown claim, our adjusters will work directly with you and do their best to deliver a hassle-free experience with speed, professionalism and compassion.
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