What is equipment breakdown coverage?

Equipment breakdown coverage provides protection for major appliances and home systems should they need repair or replacement due to a electrical or mechanical failure. This coverage is not part of a standard homeowners insurance policy. It is an additional coverage that can provide you with relief should you need to replace a home system.

Unfortunately, unexpected breakdowns of expensive home equipment and appliances can happen. It's easy to add this extra coverage to your homeowners policy to ease your mind.


What is usually covered by equipment breakdown coverage:

ome of the typical home systems that are covered with this endorsement are:

  • Heating and air conditioning
  • Water heaters
  • Major appliances
  • Electrical panels
  • Home security systems
  • Sump pumps
  • Home theater equipment
  • Computers
  • Smart home technology
  • Deep well pumps
  • Swimming pool equipment
  • And more!

Why not just purchase extended warranties?

Extended warranties on your equipment can be expensive and may have limited coverage. Plus, you'd need to purchase one for every piece of equipment you have. By adding equipment breakdown coverage, every thing is in one place and you know you are covered properly.

What is not covered?

Any damage caused by normal wear and tear, including rust or corrosion, deterioration, any defects, mold, cracking, shrinking or expanding or pest damage is generally not covered.


Interested in equipment breakdown coverage? Give us a call at 610-590-0152

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A little more about Blue Marsh Insurance...

When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.

As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

If you’re interested in starting a quote online or having us take a look at your current policies, click here!

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