Home Systems Protection

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When a breakdown happens, will your critical home equipment be covered?


Comfort. Security. Convenience. They’re what home is all about. However, most of us take the heart of our home – the critical equipment that provides heating, cooling, and electricity – for granted. If you are like most homeowners, you assume your home insurance policy, equipment warranties, and service contracts have you covered should critical equipment and systems in your home break down.

Chances are you have a gap in coverage, and a breakdown could be surprisingly costly – as much as $6,000 or more. Now, for covered home equipment, you can get coverage you depend on every day by enhancing your Home or Condo insurance policy with Home Systems Protection coverage from UPC.

Today, your home equipment risks are higher.

Today’s homes are connected. With the amount of mechanical and electric equipment found inside homes and the sensitive technology that drives it, breakdowns are inevitable. UPC Insurance's Home Systems Protection endorsement helps to cover the failure-incurred costs of these and more:

  • Chair lifts and elevators
  • Clothes washers and dryers
  • Computer equipment
  • Dishwashers
  • Electrical panels
  • Electrical garage doors
  • Emergency generators
  • Heating and A/C systems
  • Home security systems
  • Lighting and home environment monitoring
  • Microwaves and ovens
  • Pool, spa and other exercise equipment
  • Refrigerators
  • Surround sound systems and TVs
  • Water heaters
  • Well-water pumps

Coverage helps you with:

  • Repair or necessary replacement
  • Additional living expenses and rental value
  • Expediting expenses
  • Spoilage (sublimited)

Warranties and service contracts aren’t enough.

Every home depends on sophisticated equipment to keep life running comfortably. Home and extended warranties may offer homeowners a sense of security, but the protection they offer can be very limited and expensive. Home and extended warranties are intended for everyday maintenance. With UPC Insurance’s Home Systems Protection coverage, you can rest easy knowing the cost of breakdowns are covered, and life can go on comfortably.

Coverage by State

Select your state to explore the UPC Insurance products tailored to where you live.