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Homeowners Equipment Breakdown Coverage

Protection for only pennies a day

Most homeowners often assume that the equipment in their homes that provides heating, cooling, and electricity are completely covered for breakage and repair under service warranties and service contracts. Unfortunately, in many cases these warranties and contracts do not provide sufficient coverage or may even be expired.
Pekin Insurance offers a Homeowners Equipment Breakdown Coverage endorsement which provides up to $50,000 of coverage for the accidental breakdown of permanently attached equipment. The annual premium for this coverage is a mere $20, and the coverage is subject to a $500 deductible per loss.

Service contracts and warranties are not enough

Extended service contracts and home warranties can leave you seriously lacking in coverages should a breakdown occur. Insufficient protection could easily cost thousands of dollars in repairs or replacement costs. Home warranties and extended service contracts are only intended for everyday maintenance. Equipment Breakdown Coverage from Pekin Insurance will protect you from larger and more costly losses.

Important permanently attached equipment in your home covered by a Pekin Insurance Equipment Breakdown endorsement:

• Central air conditioning
• Boilers and water heaters
• Furnaces, heat pumps, and sump pumps
• Permanently installed back-up generators
• Chair lifts and elevators
• Electric power panels
• Pool equipment
• Central vacuums
• Garage door openers
• Home security systems

Recently paid Equipment Breakdown claims by Pekin Insurance:

• The evaporator coil on an air conditioning unit cracked on the back side causing the system to lose Freon. The coil had to be replaced.
• The impellers and check valve in a well pump failed causing the well to lose pressure.
• An emergency generator failed when the plugs blew out of the engine allowing all the antifreeze to leak out and locking up the motor. The motor had to be replaced. A supplemental payment was made to move a fence to make this repair.
• A water heater liner cracked requiring replacement of the unit.

Going green for you and the environment

If you have need for our Equipment Breakdown coverage, we will pay the additional cost to replace the “covered” equipment with equipment that is better for the environment, safer, or more efficient than the equipment being replaced.