Skip to content
6799 Bismark Rd Suite E
Colorado Springs, CO 80922
Prefer email? Email us at
support [at] scicteam [dot] com

Southern Colorado Insurance Center Blog

All You Ever Wanted to Know About Insurance

Homeowner TIPS Equipment Breakdown

Heating systems, air conditioners, electronic equipment and major appliances are all important to everyday comfort and convenience, but it’s easy for consumers to take them for granted. When one of these items breaks down, repairs can be expensive and time consuming, and in most cases the repairs aren’t covered by insurance. Safeco’s equipment breakdown coverage offers peace of mind for you and your family.
What’s covered?
Damage due to the breakdown of certain household equipment is covered when the cause is sudden, direct and accidental. Examples include parts failure or electrical surge. Covered equipment includes but is not limited appliances, heating and cooling systems, swimming pool mechanical equipment, water heaters, well pumps, home security systems, electrical systems, computers and home electronics.

What’s not covered?
Overall wear and tear is specifically excluded in the policy and is not covered. Losses must be sudden, direct and accidental.

Here are some examples*:

The furnace is no longer producing hot air

Covered: The blower motor has ceased functioning due to a bearing failure
Not covered (due to wear and tear): The heating element has corroded over time and is in need of replacement
Air conditioning unit is not maintaining temperature

Covered: The connecting rod in the motor has broken
Not covered (due to wear and tear): Its condenser coils have deteriorated and developed pinhole leaks leading to a loss of refrigerant
*All statements made are subject to provisions, exclusions, conditions and limitations of the applicable insurance policy. If the information in these materials conflicts with the policy language that it describes, the policy language prevails.


There are no comments yet.

Leave a Comment

Required fields are marked with


Your name, comment, and URL will appear on this page after it has been reviewed and approved. Your email address will not be published.