Your house, garage and other structures are covered for the cost of repairing or replacing them after a loss (up to the policy limits).
Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.
Typical loss for your home:
Imagine coming home during a heat wave to discover that your air-conditioning system has quit. The repairman informs you that the compressor had an internal failure and needs to be replaced. Most Farmowner policies won’t cover this, but with our Equipment Breakdown addition, you’ll be covered. We’ll pay for a new A/C unit, less the deductible. We also cover all electronic devices in your home, as well as anything mechanical.
Some restrictions and exclusions do apply. See policy for exact coverage description.
What does this coverage cost? $25 annually