Equipment Breakdown Coverage for Homeowners Offers Peace of Mind
St. Johns Insurance Company Offers Protection from the Unexpected
How many of today’s homeowners have a plasma television, central air conditioning and heating systems, home security systems, swimming pool and spa equipment, wine coolers, and home computers? St. Johns Insurance Company offers Equipment Breakdown Coverage to protect homeowners from loss to these and many other expensive items in today’s homes.
Equipment Breakdown coverage is designed to protect possessions homeowners insurance typically doesn’t cover. Appliances and equipment can suffer breakdowns at any time. Equipment Breakdown Coverage will prepare homeowners for such unexpected occurrences and it can be added to all homeowners policies for $50 per year.
Equipment Breakdown Coverage may replace costly coverage provided by home warranties and big box retailer extended warranties. Individual warranty plans can be unreasonably costly, confusing and burdensome to manage. Homeowners need an alternative to protect both their homes and their budgets.
Equipment Breakdown Coverage extends to all essential home systems and personal property found in today’s modern home. The coverage is convenient and seamless—there are no separate warranty programs or fees to manage. And, best of all, homeowners benefit from peace of mind in knowing they are covered for the systems they depend on most.
- Coverage Limit: $50,000 per occurrence
- Deductible: $500 per occurrence
- Annual Premium: $50
| Equipment Breakdown Coverage, which adds the perils of electrical, mechanical and pressure systems breakdown, is now available on your policy and includes: |
| Coverage |
Limit |
| Equipment Breakdown |
Follows policy forms and limits |
| Expediting Expense |
Follows policy forms and limits |
| Pollutant Cleanup and Removal |
Covered: $3,000 per occurrence |
| Perishable Goods (Spoilage) |
Covered: $3,000 |
| Peril |
Standard Policy Coverage |
Equipment Breakdown Coverage |
| Electrical Breakdown |
Limited |
Covered |
| Mechanical Breakdown |
Excluded |
Covered |
| Pressure Systems Breakdown |
Excluded |
Covered |