Air conditioner in a contemporary condo setting
Air conditioner in a contemporary condo setting

Home Systems Protection Coverage

Homeowners depend on the comfort, convenience, and security their home systems provide. Most assume their home systems are protected by insurance, warranties, or service contracts, yet they’re often not. A breakdown can come as an unwelcome surprise, costing you several thousands of dollars or more.

Home systems protection coverage is designed to fill these gaps.

What is a home system?

You can think of a home system as a larger, more complex appliance – not part of your home’s structure, yet much more embedded than a coffee maker or crock pot. Some examples include:

  • Central air units
  • Hot water heaters
  • Furnaces
  • Heat pumps
  • Electric garage doors
  • Electrical service panels 
  • Permanent energy generators 
  • Deep well pumps
  • And more. 

Talk with your agent to make sure your coverage meets your and your home’s specific requirements.

Do I need home systems coverage?

The last thing you need is to find out that your systems aren’t covered when you need to make a claim. Ask your agent to see if adding a home systems protection endorsement to your policy makes sense for you.

It’s not included on standard policies, so your agent will need to add it for you.