Equipment Breakdown Coverage for Homeowners

September 14, 2011 at 9:04 AM | Posted in Home, Personal Property | Leave a comment
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Are you prepared to take the heat if your central air conditioner fails in the summer months? If your boiler breaks down in the middle of winter, how will you keep your family warm?

Unforeseen breakdowns can take a hefty toll on your wallet. That’s why adding Equipment Breakdown Coverage to your homeowner policy is a smart move – it provides protection for the major equipment in your home in the event of a failure.

Hanover offers an Equipment Breakdown Endorsement that covers physical losses or damage caused by the breakdown of mechanical, electrical, and pressure systems to equipment attached to the structure, or to removable personal property. Coverage options of $25,000 and $50,000 are available with a low $500 deductible. That’s a small price to pay for complete peace of mind.

Some of what’s covered includes:

  • Well pumps
  • Central air conditioning systems including compressors, condensers, and air handler units
  • Heating equipment including boilers and heat pumps
  • Home security systems
  • Water heaters
  • Emergency generators
  • Swimming pool or hot tub filtration systems
  • Computer equipment and other home electronics (e.g. televisions, audio systems)
  • Portable kitchen or laundry appliances (e.g. dishwashers, washing machines, dryers, microwaves, and stoves)
  • Refrigerators and freezers

To help you recover as quickly as possible, Hanover’s Equipment Breakdown Endorsement also provides additional coverage such as:

  • Expediting Expenses
  • Spoilage – Loss of perishable goods resulting from spoilage
  • Pollutant Clean-up and Removal

Call us today at 888.850.9400 to see if your insurance company offers this coverage.


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