Equipment Breakdown and Home Insurance

Equipment Breakdown is a cheap add on coverage you need but probably don’t have on your home insurance policy.

The standard exclusion on a homeowners policy is wear and tear of your property.

You can now add this coverage on your home insurance policy with an endorsement or add on.

The endorsement is Equipment Breakdown and it can be as low as $4 a month.


So what does it cover?

First you need to understand what is not covered.

It has to be a complete breakdown of the equipment.

NotĀ  “it just doesn’t work like it used to…”

It is the complete shutdown.

No longer operable.

Kaput – broken, no longer working


What items does it cover?

I think you want to use this coverage for the big ticket items


  • a/c unit
  • swimming pool equipment
  • television (although the cost of a new tv is going down)

But it does cover more…

Typical Household Items Protected by Equipment Breakdown Coverage:

  • Washers and dryers
  • Computers
  • Dishwashers
  • Refrigerators and freezers
  • Ovens and microwaves
  • Garbage disposals
  • Heat pumps
  • Heating and air conditioning systems
  • Electrical service or Circuit BreakerĀ panels
  • Alarm Monitoring systems
  • Water heaters
  • Swimming pool equipment
  • Televisions


What is the deductible?

Although your all other perils deductible may be higher on your home insurance policy, the standard deductible for this coverage is $500


Which insurance company offers this add on coverage endorsement in Louisiana?

We represent three companies that offer this coverage now

Centauri Insurance company

SFIC Southern Fidelity insurance company

Capitol Preferred Insurance


Who should take advantage of this coverage?

  • Homeowners with older a/c heating systems
  • Homeowners with a swimming pool
  • Anyone who currently has an expensive home warranty policy


The good news for you

If you have a Centauri or SFIC home insurance policy you can add this coverage now

If you need a quote from Centauri or SFIC with the equipment breakdown endorsement

you can call me, Tim D’Angelo at 504.348.3131 or complete the quick form