We stand true to our word.

Homeowners equipment breakdown coverage keeps your home working.

So you can relax and enjoy it.

When it comes to your home, a great deal of comfort comes from essential appliances and systems working as they should. Whether it’s a refrigerator for food preservation, a water heater to ensure a warm shower, HVAC systems to maintain a pleasant indoor climate, or a television for entertainment, these are familiar fixtures in your home. However, you’re well aware of the inconvenience and financial burden that arises when you need to repair or replace them. Find peace of mind with homeowners equipment breakdown coverage provided by Patriot Insurance Company.

Homeowners equipment breakdown is an affordable add-on coverage to homeowners, renters, or condo policies that eliminates gaps in your homeowners insurance coverage and protects you from unexpected costs due to mechanical, electrical, or pressure systems equipment breakdown.

Covered property includes:

  • Electrical or mechanical equipment, such as well pump motors or air conditioning compressors
  • Pressure systems, such as water heaters
  • Power surges, such as heating and cooling systems
  • Environmentally friendly appliances, such as solar panels
  • Refrigeration equipment, such as deep freezers
  • Additional coverage such as spoilage, pollutant cleanup and removal costs, and other reasonable costs to expedite repairs or replacement resulting from an equipment breakdown

Equipment breakdown coverage does not provide protection for damage caused by general wear and deterioration.

Talk to one of our local, independent agents today. This coverage is available in Maine, New Hampshire, and Vermont. Coverage is also available in Michigan and Ohio through our parent company, Frankenmuth Insurance.

Please ask your independent agent for specific coverage details. This page is designed for informational purposes only and does not determine liability.

We believe insurance deserves a conversation.