Equipment Breakdown


Do you know if your equipment is covered?

Tour our sample home to find out what's covered with equipment breakdown insurance.

Did you know that 46% of all personal equipment breakdown losses are electrical in nature, 38% are mechanical, and 16% are due to a loss in pressure?

From electrical storm outages to typical breakdowns, these losses can amount to large expenses if they aren’t accounted for in your homeowner’s policy. Learn more about the costs associated with equipment loss and repair by downloading our Equipment Breakdown Examples.

Westfield offers an affordable alternative to costly product and home warranty plans as part of the Wespak Estate® policy and as an add-on option to other homeowners insurance policies. To benefit from this additional coverage, talk to your agent about adding equipment breakdown to your homeowner’s policy.

Systems and Appliances Subject to Equipment Breakdown

The modern home contains many expensive systems and appliances subject to equipment breakdown, including:

  • Clothes washers and dryers
  • Computer and peripheral equipment
  • Dishwashers
  • Freezer units
  • Garbage disposals
  • Heat pumps
  • High-efficiency home heating and central A/C systems
  • High-energy electrical service panels
  • Home-security systems
  • Kitchen refrigerators
  • Lighting and home environment monitoring
  • Microwaves
  • Ovens
  • Sump pumps
  • Surround-sound systems
  • Swimming pool equipment
  • Televisions/Plasma/LCD
  • Water heaters
  • Well water pumps

Even items typically considered disposable, such as garage door openers, exhaust/ceiling fans, DVD players and more, could benefit from this coverage in the event of an electrical power surge.

If it uses electricity, it is most likely subject to equipment breakdown. Equipment often requires sophisticated diagnostic tools and skilled technicians to oversee a potential repair. Equipment breakdown coverage protects you against unexpected repair or replacement costs due to a mechanical, electrical or pressurized systems breakdown. And, this additional coverage follows the terms and conditions of your insurance policy.

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