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Equipment Breakdown Not Part of a Homeowner's Policy

Equipment breakdown is typically not included in a standard homeowner’s insurance policy.  Homeowner’s insurance covers damage or loss caused by specific perils such as fire, theft, or natural disasters.  However, equipment breakdown coverage is usually offered as a separate policy or as an endorsement to a homeowner’s policy.  This coverage is designed to protect against the cost of repairing or replacing household appliances and systems that break down due to mechanical or electrical failure.  Not sure if you are covered, give us a call at the agency and we will gladly review specific coverage options.