Insurance Agency in Keego Harbor, MI • (248) 682-1510

Equipment Breakdown Coverage – Insurance Agency Keego Harbor

Protect the largest investments in your home with Equipment Breakdown Coverage from Auto-Owners Insurance.

As a homeowner, you depend on any number of mechanical and electrical equipment systems, from air conditioners and heating units to computers and major appliances. At Auto-Owners, we understand that any equipment failure is inconvenient, costly, and not always covered under the intended warranties. Simplify all of this, and give yourself peace of mind with Auto-Owners Equipment Breakdown Coverage.

Equipment Breakdown Coverage

Equipment Breakdown covers all of your important home systems and personal property due to loss by mechanical or electrical breakdown. The coverage is convenient and seamless — there are no separate warranty programs or fees to manage the systems you depend on most:

• Air-conditioning systems
• Compressors, pumps, engines
• Computers and other home electronics (e.g., televisions, audio systems)
• Electrical systems
• Furnaces
• Generators
• Home appliances (e.g., dishwashers, washing machines, electric dryers)
• Hot-water heaters
• Motors, fans, vacuum systems
• Refrigerators and freezers
• Security systems
• “Smart home” automation systems
• Swimming pool heating and filtration systems
• Lawn mower

LIMITS AND DEDUCTIBLES

Equipment Breakdown Coverage is offered on a per occurrence basis. A $500 deductible and a limit of $100,000 is available.

WHEN YOU MIGHT NEED EQUIPMENT BREAKDOWN COVERAGE

• Your property is hit with an artificially generated power surge. The boiler and water heater controls, security system and media equipment were damaged and need to be replaced. Amount of Loss: $18,300

• The relay on your dryer shorted, causing the unit to overheat. Due to the extent of damage, the unit could not be repaired and needs to be replaced. Amount of Loss: $1,250

• Your air conditioning system experienced an electrical short causing loss of cooling to the home. The air conditioning compressor needs to be replaced. Amount of Loss: $2,400

WHY AUTO-OWNERS?

• We offer more than just auto insurance – with our wide array of car, home, business, and life insurance products, you can look to Auto-Owners for all your insurance needs.

• Highest rating by national insurance company rating services such as A.M. Best, which ranks Auto-Owners among the highest in the industry with an A++ (Superior) rating.

• A national consumer magazine ranks Auto-Owners among the top companies for customer service at the time of a claim.

• Auto-Owners is among the largest insurance providers in the United States.

• Auto-Owners is an industry leader in controlling expenses, resulting in savings to our policyholders.

Note: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the printing of this material.
42169 (6-16)

Service Line Coverage

As a homeowner you’re responsible for the service lines that run from the curb to your home. When your service line is damaged it can be a very costly expense to repair or replace. From identifying the problem to excavation to repair, Service Line Coverage has you protected.

Are you protected from an unexpected leak, break, tear, rupture, collapse or arcing of a service line? Talk with your agent today to learn how this product protects your home by extending coverage to the following:

• Underground piping
• Wiring
• Valves
• Attached devices that connect your home to a public utility service provider or to a private system.

LIMITS AND DEDUCTIBLES

Service Line Coverage is offered on a per occurrence basis. A $500 deductible and limits of $10,000 or $15,000 are available.

WHEN YOU MIGHT NEED SERVICE LINE COVERAGE

• A tree root grew through a sewer pipe located on your property causing it to leak. The sewer line was 300 feet long and required a backhoe to dig up the damaged piping and replace it. The cost to replace the sewer line was $3,500 and the excavation cost totaled $8,100. Total Amount of Loss: $11,600

• An underground power line providing electrical service to the home significantly deteriorated over time and resulted in arcing, which interrupted electrical service to the home. The underground power line had to be excavated and replaced due to extensive damage discovered during the repair work. The cost to replace the power line was $2,500. The excavation costs totaled $5,300. Total Amount of Loss: $7,800

WHY AUTO-OWNERS?

• We offer more than just Auto insurance – with our wide array of Car, Home, Business and Life insurance products, you can look to Auto-Owners for all your insurance needs.

• Highest rating by national insurance company rating services such as A.M. Best, which ranks Auto-Owners among the highest in the industry with an A++ (Superior) rating.

• A national consumer magazine ranks Auto-Owners among the top companies for customer service at the time of a claim.

• Auto-Owners is a Fortune 500 company and is among the largest insurance providers in the United States.

Note: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the printing of this material.
42170 (12-17)

Have questions about equipment coverage? Complete Insurance Services can help! We are an independent agency representing numerous insurance companies and specialize in providing personalized insurance coverage that meets the unique needs of families and businesses. Call us to speak to with an experienced agent!

Start Quotes Here

The team at Complete Insurance is ready to provide personalized, no-obligation quotes for all your insurance needs.

Top Rated Agency

Keego Harbor’s top-rated agency for exceptional personal and business insurance solutions.

Joe Morrison
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Walker & his staff at Complete Insurance Services are second to none. We get personal, timely service on top of unbelievable rates. Have happily recommended them to family, friends & colleagues. If you need insurance, look no further!!
Sarah Shock
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Walker and his team have gone above and beyond for our family on multiple occasions. By far the easiest company I have worked with for communication.
Aaron F.
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I have been insured by Auto Owners Insurance through the Complete Insurance Agency for more than 10 years. John and his staff have helped me through a few houses and a couple of claims. Top notch service from a very professional organization. Thank you for all of your service !
Kim Simmons
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Best insurance agents I've ever dealt with. I've got my auto and homeowners with them. A few homeowners claims with no problems. Every time I call, they treat me like family and quickly respond to my requests. I have , and will recommend them to anyone.
Sheryl Parker
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Great pricing and good service. Very knowledgeable.
Dave Trish
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Walker is fantastic. Quick to respond and always finds the best rates.
Dominic Jr C.
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Simply the best service anyone can ask for. Been with them for 24 years. Looking forward to 24 more!
Zada F.
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I like the fact that this is a family owned and operated business. They have helped to individualize my auto and home insurance needs. The staff is always helpful in answering my questions. Iv'e been with the company for over twenty years.
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