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Equipment Breakdown Insurance

Wealthy families and individuals often have homes equipped with expensive electrical systems, multi-zone heating and air conditioning systems, home security systems, and home theater systems.

These elaborate systems are subject to mechanical failure or electrical breakdown, often beyond the scope of their warranties.  

Moreover, equipment breakdown losses are generally excluded from traditional homeowner policies. To address this exposure, The Insurance Loft and ACE employ a comprehensive coverage that packages mechanical breakdown, electrical breakdown, and pressure systems breakdown into one policy.

This enhancement extends to provide equipment breakdown coverage to all property and equipment covered under the ACE Platinum homeowners’ policy.

Examples of Coverage


EXAMPLE: A power surge caused by a utility company resulted in arcing damage to the electronic components of a home theater system.

COVERAGE: Replacement of the system was required, including a customized installation.


EXAMPLE: A gas-fired boiler was leaking water because the boiler’s low water fuel cut-off failed, causing the boiler to overheat. The boiler could not be repaired due to its age, so replacement was necessary.

COVERAGE: The home’s air-condition compressor motor deteriorated, causing the compressor to electrically short and malfunction.


EXAMPLE: The line cracked on the insured's refrigerator, causing a loss of refrigerant and lubrication to the compressor. As a result, the compressor seized and the food spoiled. 

COVERAGE: The replacement of the compressor and the spoiled food.

Learn more about Family Security Coverage by calling The Insurance Loft at 800-409-9790 or email us at: