Today’s modern home is loaded with systems and equipment that can be expensive to fix when they break. Dishwasher motors go out, washing machines suddenly stop working, our water heaters need to be replaced. All these unexpected expenses can add up quick. And to many peoples surprise: appliances that break down from electrical or mechanical failures aren’t typically covered in your homeowner’s insurance policy. We know, gasp! That’s where Homeowners Equipment Breakdown coverage comes in. It’s a key add-on that fills the gaps in your standard homeowner’s policy to protect against mechanical failure or electrical breakdown. And it includes just about everything plugged into your wall.  

Not all insurers offer this special coverage, so you may need to shop around for new homeowners insurance if you want to insure your appliances and equipment against breakdowns.   

How It works 

For a small cost (many times less than $50) you can add this coverage onto your Swyfft home insurance policy. In return you’ll be covered up to $100,000 per occurrence, like when your pool pump breaks down or an electrical surge takes out your TV’s and computers.  

What Does Equipment Breakdown Coverage Cover? 

A lot! Good rule of thumb: if it uses electrical power, it’s most likely covered. Some of these items include: 

  • Washers/Dryers 
  • Dishwashers 
  • Refrigerators/Freezers 
  • Microwaves 
  • Ovens 
  • Well Water Pumps 
  • Televisions 
  • Swimming Pool Equipment 

To view a full list of what’s covered, visit our Equipment Breakdown site. Or! Take A Tour of our interactive site to see examples and tips.  

What it Doesn’t Cover 

This coverage can save you thousands of dollars when it comes to broken down houseware systems. But it doesn’t apply to everyday wear and tear – so things like mold, cracking, shrinking and expanding, corrosion, and pest damage. 


This special coverage fills the gaps in your homeowners insurance. Most homeowners insurance policies don’t cover the cost of repairing and replacing your home equipment when it breaks down. That’s where Homeowners Equipment Breakdown coverage comes in. It’s easier to manage than dozens of individual warranties, simple to understand, and affordable. Homeowners Equipment Breakdown Insurance is a must have for any modern-day homeowner.  

Contact your Swyfft Agent today to add it to your current policy.