Equipment Breakdown Coverage and Why It Matters

January 2023

Each year it seems the world is introduced to yet another must-have modern convenience aimed at making our lives easier. From wine refrigerators to high-efficiency central air systems, we are regularly adding exciting new tools and technologies to our homes and lives.

Unfortunately, the coverage implications of these acquisitions may not always be clear or well understood by homeowners. Just as you do with other items of value in your home, you want to ensure that you’re protected in the event of the unexpected breakdown of one of these expensive appliances or systems.

The value of equipment breakdown coverage

Mutual of Enumclaw is proud to offer equipment breakdown coverage that protects you against the unexpected repair or replacement costs incurred because of an electrical, mechanical, or pressure systems breakdown. We like to say that if it has a cord, there’s a good chance it’s covered.

Typically, the equipment inside your home isn’t covered by a standard homeowners policy. So that’s why MOE invites you to add an equipment breakdown endorsement to your homeowners policy. You want to make sure that those important items are protected in the event of an unexpected breakdown.

Benefits over a home warranty

Many homeowners look to address this potential cost by purchasing a home warranty package. Its aim is the same: to protect you from the cost of expensive equipment repairs or replacements. In most cases, these warranties are made on a monthly basis, with costs varying based on the provider and package.

Young college student studying at a table with books and an open laptop.Compared to our equipment breakdown endorsement, a home warranty is almost certainly going to be more expensive. The plan may also restrict certain kinds of equipment or require an additional cost for coverage. When our endorsement is added to your homeowners policy, coverage applies to all real and personal property in your homeā€•and it stays with your policy.

It’s also worth noting that the endorsement will pay up to 150 percent for replacement of equipment to allow you to get a more efficient option that is better for the environment. Off-premises coverage is now included as well. So you’re covered even if your or your child’s laptop gets damaged when outside the home.

Promoting greater peace of mind

Our lives seem to grow more complicated all the time. That usually means our insurance coverage grows more complicated too. That’s why our goal at MOE is always to see around corners for you so that we can find new and better ways to limit the stress in your life.


The information we share on our site is intended to serve as a general overview. Please refer to your policy or contact your local independent agent for specific coverage details.


Home and Auto are best together.

Besides combining home and auto coverage, our Member’s Best policy provides a collection of exclusive benefits.

Member's Best