Equipment Breakdown Coverage and Why It Matters

April 2025

Each year it seems the world is introduced to yet another must-have modern convenience aimed at making our lives easier. From wine refrigerators to high-efficiency central air systems, we are regularly adding exciting new tools and technologies to our homes and lives.

Unfortunately, the coverage implications of these acquisitions may not always be clear or well understood by homeowners. Just as you do with other items of value in your home, you want to ensure that you’re protected in the event of the unexpected breakdown of one of these expensive appliances or systems.

The value of equipment breakdown coverage

Mutual of Enumclaw is proud to offer Equipment Breakdown Coverage that protects you against the unexpected repair or replacement costs incurred because of an electrical, mechanical, or pressure systems breakdown. We like to say that if it has a cord, there’s a good chance it’s covered.

Typically, the equipment inside your home isn’t covered by a standard homeowners policy. Equipment Breakdown coverage helps you make sure that those important items are protected in the event of an unexpected breakdown.

If it uses power, it's most likely covered:

Clothes washers & dryers
Computer equipment
Dishwashers
Freezers
Garbage disposals
Heat pumps
Home heating & central A/C systems

Electrical service panels
Home security systems
Lighting & home environment monitoring
Microwaves
Ovens
Refrigerators

Sump pumps
Surround sound systems
Swimming pool equipment
Televisions
Water heaters
Well water pumps

Benefits over a home warranty

Many homeowners look to address this potential cost by purchasing a home warranty package. Its aim is the same: to protect you from the cost of expensive equipment repairs or replacements. In most cases, these warranties are made on a monthly basis, with costs varying based on the provider and package.

Young college student studying at a table with books and an open laptop. Compared to our Equipment Breakdown endorsement, a home warranty is almost certainly going to be more expensive. The plan may also restrict certain kinds of equipment or require an additional cost for coverage. When our endorsement is added to your homeowners policy, coverage applies to all real and personal property in your home―and it stays with your policy.

It’s also worth noting that the endorsement will pay up to 150 percent for replacement of equipment to allow you to get a more efficient option that is better for the environment. Off-premises coverage is now included as well. So you’re covered even if your or your child’s laptop gets damaged when outside the home.

Promoting greater peace of mind

Our lives seem to grow more complicated all the time. That usually means our insurance coverage needs grow more complicated, too. That’s why our goal at Mutual of Enumclaw is always to see around corners for you so that we can find new and better ways to limit the stress in your life.

The information we share on our site is intended to serve as a general overview. Please refer to your policy or contact your local independent agent for specific coverage details.

Equipment Breakdown Coverage is available to members with a Mutual of Enumclaw Homeowners policy (excluding Arizona). $100,000 coverage limit per occurrence after a $500 deductible is applied.

Writing Company Information: This endorsement is available from Enumclaw Property & Casualty Insurance Company (EP&C) for eligible members with an EP&C Homeowners policy. It is available from Mutual of Enumclaw Insurance Company for eligible members with a Mutual of Enumclaw Insurance Company Homeowners policy.