Equipment breakdown coverage

Don't come home to an unwelcome surprise

Equipment breakdown coverage is for mechanical, electrical, and pressure systems breakdown. Available for participants in our home, renters, and condo insurance programs.

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These products and services are offered to Wisconsin residents.

Member Benefits offers Equipment Breakdown Coverage for participants in our home insurance program.

Surprise! You wake up to find your furnace or air conditioner stopped working, your electronics were damaged by a power surge, or your refrigerator has broken down. These costly events can turn your household finances upside down.

Member Benefits offers Equipment Breakdown Coverage for participants in our home, renters, and condo insurance programs. The endorsement is subject to a $500 deductible and a coverage limit of $100,000.*

Equipment breakdown coverage may provide primary coverage for sudden and unexpected breakdowns in mechanical, electrical, and pressure systems. This inexpensive coverage reduces gaps in home insurance coverage and could be an alternative to a more comprehensive and costly home warranty programs and extended warranty programs offered by major retailers. Exclusions (e.g. normal wear and tear, damage from neglect and poor maintenance) apply.

Equipment breakdown covers:

  • Breakdown of washer/dryer, refrigerator, oven, pool/spa equipment, and more.
  • Breakdown of boilers, furnaces, heat pumps, solar units, air conditioners, electrical panels, hot water heaters, humidifiers, and more.
  • Breakdown of computer, telephone, audio/video systems, televisions, security systems, and more.
Learn more


*Current as of April 2021. Subject to change.

Equipment Breakdown Coverage frequently asked questions

Does my homeowners or rental policy cover equipment breakdowns?

No. Your homeowners or rental policy does not cover the cost of repairing or replacing essential equipment in your home when it breaks down.

Doesn’t my landlord’s insurance cover me?

Your landlord’s policy does not cover your personal property. The homeowners or commercial property insurance policy your landlord carries insures the landlord’s property, not yours. If a power surge causes equipment breakdown, in most cases you would be responsible for the financial costs for repair or replacement unless you have Equipment Breakdown Coverage.

How does this differ from extended warranty programs or service agreements?

Warranty contracts typically cover one piece of equipment. They may have strict limitations and only cover certain parts of the equipment. These programs are designed to cover the equipment for a limited time. The cost of these types of agreements vary widely and can be expensive depending on the product.

What if the breakdown occurs while the equipment is not on the property that is insured?

We will pay for loss or damage to covered property resulting from a covered equipment breakdown while temporarily at a premises or location that is not an insured premises. This coverage does not apply to any motor vehicle. This off-premises coverage is limited to $10,000.

Does the replacement have to be of like kind or quality to be covered?

Our market-leading “Green” coverage may provide up to 150% of the cost of repairing or replacing your covered property with an alternative that is better for the environment, safer, or more efficient than the equipment being repaired or replaced.

Learn more

Contact us

Add Equipment Breakdown coverage to your existing home, condo, or renters policy, or get more details about this coverage.

  • Call one of our Member Service Consultants at 1-800-279-4030.

Free phone consulation.