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Older man in a red shirt performs repairs on a broken air conditioning unit.

Why You Need Equipment Breakdown Coverage

Updated June 1, 2022 . AmFam Team

Whether you’re living in a home or an apartment, equipment breakdown coverage can help you when you need it most. Learn more about why this this additional coverage is so important with American Family.

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Learn how you can add optional coverages to design your own homeowners policy and protect what matters most to you.

Equipment Breakdown Coverage Basics

Your Technology

  • Cameras
  • Desktop computers and laptops
  • Home security systems
  • Smart home devices
  • 3D printers

Your Appliances

  • Air conditioning window units
  • Chest freezers
  • Dishwashers
  • HVAC systems
  • Stoves and ovens
  • Washing machines and dryers

Your Entertainment Systems

  • Audio amplifiers
  • Flat screen TVs
  • Smart speakers
  • Surround sound systems
  • Video game consoles
  • Virtual reality (VR) headsets and systems

Your Water Heater

Conventional water heaters and water heaters

Why Homeowners Need Equipment Breakdown Coverage

The things you use all the time at home can break unexpectedly. Dishwasher motors go out and washing machines suddenly stop working. Swimming pool filtering systems and heating and cooling equipment can fail, too.

Equipment Breakdown coverage can help limit the out-of-pocket costs you might need to pay if appliances, smart home devices and other technology stop working. This additional coverage can help you get many key appliances and equipment in your home up and running again. And in most cases, costly out-of-pocket expenses can be limited to the amount of your Equipment Breakdown deductible.

Plus, if your outdated appliances need to be replaced, Equipment Breakdown coverage will also pay the additional cost — up to 50% more than the value of the item — to upgrade them with a current Energy Star or energy-efficient model.

Tools & Resources

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