Smart protection for today’s smart homes

Most of us rely on high-tech electronics and appliances to keep our homes running smoothly. When these fail, it can be a major – and costly – inconvenience. That’s why CAA Home Insurance offers Home Equipment Breakdown coverage. Like a comfy safety net, this affordable add-on delivers peace of mind in the face of electrical, mechanical or pressure system failures.

View the Home Equipment Breakdown policy coverage details here

What does CAA Home Equipment coverage include?

We all flip on a light switch and assume lights will go on; boot up our computers and rely on them for connectivity, turn up our heat to make our homes comfortable and trust our fridges to keep food fresh.

What if any of those stopped working? Home Equipment Breakdown coverage means you can rest easy. You’re protected for repairs or replacements if any of the following systems break down:

- Major appliances
- Electrical systems
- Garden tractors
- Heating and cooling systems
- Home electronics
- Personal computers
- Security systems
- Swimming pool equipment
- Water heaters
- Well pumps

Coverage also includes power surge protection for all real estate and personal property that is damaged as a result of an electrical power surge.

Benefits included with CAA Home Equipment coverage

When a major appliance or electrical system stops working, it can feel like every part of your day is affected. We try to minimize the impacts of a home equipment breakdown by:

Expediting any out-of-pocket expense claims you submit.
Extending your existing coverage to protect eligible devices when away from home.
Covering any additional, reasonable living expenses you may incur while displaced from your home.
Reimbursing you for the value of the goods spoiled from your equipment breakdown.
Replacing damaged property with greener alternatives when possible.