Hand holding stove burner in front of stove

Home Systems Breakdown Coverage

Plymouth Rock’s Home Systems Breakdown Coverage* protects the systems that homeowners depend on every day, such as furnaces, air conditioning units and stoves.

Why You Need Breakdown Coverage

Today most home systems are made with a lot of sensitive, moving parts. As a result, the risk of a mechanical breakdown—and the cost to repair it—is greater than ever. In addition, most standard home policies and warranties won’t cover you if a breakdown does happen.

Home Systems Breakdown Coverage will protect you if a mechanical breakdown occurs.

What You’re Covered For

If you add Home Systems Breakdown Coverage to your existing homeowners policy, you’ll be insured against the mechanical breakdown of a wide range of systems, equipment and personal property.

Covered Systems and Equipment

  • Central air conditioning
  • Boilers, furnaces and heat pumps
  • Conventional and solar water heaters
  • Radiant floor heating
  • Renewable heating (e.g., solar, wind, geothermal)
  • Water purification and filtration
  • Well pumps, installed sump pumps
  • Pool and spa pumps, heating and filtration
  • Electrical service panels
  • Permanent emergency generators
  • Home security monitoring and control devices
  • Chair lifts and elevators

Covered Personal Property

  • Kitchen and laundry appliances
  • Home entertainment equipment
  • Computers, peripherals and wireless devices
  • Power tools and shop equipment
  • Lawn and garden equipment
  • Mobile medical equipment
  • Portable generators and sump pumps

* This coverage is backed by The Hartford Steam Boiler Inspection and Insurance Company.

** In MA, this coverage is offered exclusively through independent agents.

Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate companies that write and manage property and casualty insurance in multiple states pursuant to licensing arrangements. Each company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company. Some discounts, coverages, payment plans, features, and benefits are not available in all states. To view all state licensed insurance companies, click States Licensed & Disclaimers.