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Equipment Breakdown

Protect Your Home Equipment

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 – critical equipment that provides heating, cooling and electricity – for granted. If you’re like most homeowners, you also assume your home insurance policy, equipment warranties and service contracts have you covered should critical home equipment break down.

Yet chances are your protection is incomplete and a breakdown could be surprisingly costly – as much as $6,000 or more. Now you can get protection for pennies a day for the home equipment you depend on every day with a new equipment breakdown policy option from UPC Insurance.

Today, your home equipment risks are higher.

Today’s homes run on a lot of equipment. That means more risk of breakdown. Look at the home equipment now covered by UPC’s new equipment breakdown policy option:

  • Central air conditioning
  • Pool equipment
  • Back-up generators
  • Central vacuums
  • Electric power panels
  • Well pumps
  • Chair lifts and elevators
  • Boilers and water heaters
  • Ventilation systems and fans
  • Furnaces and heat pumps
  • Heaters and solar heaters

Warranties and service contracts aren’t enough.

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. Equipment breakdown insurance for homeowners protects the homeowner from larger losses. You can count on us to cover the home equipment that provides comfort, security and convenience.

Losses easily amount to thousands. Protect your equipment for pennies a day.

It’s startling how the cost of a breakdown can add up. These are examples of what some homeowners almost lost and were able to collect in actual claims with homeowners equipment breakdown coverage.

  • During a frigid winter, sediment build-up caused two sections of a boiler to crack, causing a breakdown. A weekend rush job to replace the sections and restore the boiler to operation resulted in unanticipated expenses.
    Total paid claim: $2,505
  • During an ice storm, the engine driving an emergency generator broke down when the oil pump failed. The motor, generator bearings and rotating elements were so damaged the entire unit had to be replaced.
    Total paid claim: $6,500
  • Metal fatigue led to damage in the refrigerant line of a three-ton air conditioning compressor. The repair contractor replaced the line, compressor and coil.
    Total paid claim: $3,000
  • Dust accumulation in a main electrical service panel led to an arcing incident that fused much of a home’s central wiring, leaving the house without power. A licensed electrician’s emergency services entailed removing the old panel box and breakers, locating a suitable replacement and installing the new equipment.
    Total paid claim: $1,700
  • Sand intrusion into a rural home’s well pump caused the impeller to fracture. Repairs required excavation and removal of all well piping to replace the pump.
    Total paid claim: $2,800

This is only a summary of the coverage. Please refer to your policy for actual coverage.