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What it is and why you need it



Home insurance is one of the most common types of coverage offered. It is designed to cover the costs of repairing or rebuilding your home after an accident and can provide replacement costs for personal belongings when they are broken or destroyed.

What home insurance does not protect against, however, is the cost of repairing or replacing appliances in the home when they break due to age, overuse or even abuse. It is here breakdown insurance coming in.

In this article, we̵

7;ll explore what equipment breakdown coverage means, what types of appliances are covered and how you can add this important form of coverage to your policy.

What is Equipment Breakdown Coverage?

Equipment breakdown cover is insurance for expensive systems and appliances in your home. Should you experience a covered loss, Equipment Outage Protection will help cover the cost of repairs or replacement of your appliances.

A homeowner’s policy alone does not provide protection against mechanical or electrical breakdowns. For this reason, Central has designed its equipment breakdown coverage as a simple supplement to an existing home insurance policy.

What is covered with equipment breakdown?

A variety of devices fall under the umbrella of equipment failure protection – both inside and outside the home – including:

Appliances and indoor systems:

  • High-tech audio equipment
  • Media system and TV
  • PCs and laptops
  • Ceiling fans
  • Smart lighting
  • Smart home monitoring systems
  • Washer dryer
  • Tension hoods
  • Dishwasher
  • Ovens
  • Refrigerator
  • Electrical service panels
  • Water heater
  • Heating system

Outdoor system:

  • AC system
  • Lawn tractors
  • Deep well pumps
  • Solar panels
  • Pool filtration system

Devices connected to your home’s electrical system at the time of an electrical breakdown are also covered. If your smartphone, tablet or e-reader is damaged due to an electrical surge, for example, the cost of repairing or replacing these items would be covered by insurance.

Explore: Review a visual map of a typical home and electronics and appliances covered by equipment breakdown coverage our microsite. You’ll also be able to explore some examples of losses and how equipment outage coverage can help should the worst happen.

How do I register for equipment breakdown?

Once you’ve discovered the extensive benefits of equipment breakdown, contact your Central Agent to discuss how to add it to your existing home insurance policy. If you are not already a central policyholder, please use this tool to find a central agent in your area today.


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