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Equipment breakdown coverage options

You’re eligible for this coverage if you have a Masterpiece® Homeowners, Condominium, or Co-op policy, or if you want to protect a separate home office building or barn. We offer two options, so you have protection that's tailored to your needs.
Essential coverage

Let's start with the basics. Essential coverage can be purchased up to a $250,000 limit and covers breakdown of your permanently-installed home equipment, including heating and cooling systems, appliances, water heaters, swimming pool equipment, well pumps, permanently-installed generators and transfer switches, and permanently-installed home automation and security systems.

 

Enhanced coverage

Go the extra mile. Enhanced coverage can be purchased up to a $500,000 limit and offers the same protection as Essential coverage, but if you have a Masterpiece® Contents policy, your protection extends to home equipment like personal computers, portable humidifiers, small countertop appliances, and more.

Coverage related to equipment breakdown insurance

Homeowners insurance
Your home is more than bricks and mortar — we've got you covered.
Condos & co-ops
Whether you live in a condo or co-op, it's not just walls, floors, and doors — it's your home.

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