What is Equipment Breakdown Coverage?

Equipment Breakdown is an optional endorsement that can be selected on the Coverage tab in the Portal for all policy types.


The Equipment Breakdown endorsement offers coverage to replace or restore home appliances (e.g., stoves, refrigerators, washing machines, water heaters) from loss due to mechanical or electrical breakdown. This endorsement does not cover the appliance's defects or wear and tear issues.

Openly provides $100,000 in coverage, with the endorsement subject to a $500 deductible.

The Equipment Breakdown endorsement affords these additional coverages as well:

  • Pollutants: We will pay for the additional cost to repair or replace covered property because of contamination by "pollutants." This includes the additional expenses to clean up or dispose of such property. 
  • Expediting Costs: With respect to direct physical loss to covered property, we will pay the reasonable extra cost you necessarily incur to:
    • make temporary repairs or to;
    • expedite the permanent repairs or replacement of the damaged property

Two endorsement-specific sub-limits apply to this coverage:

  • $2,500 sump pump overflow extension for direct physical loss to covered property (see note below)
  • $10,000 spoiled perishables limit (e.g., destroyed frozen food when a freezer suffers an electrical failure)

The sump pump overflow extension will only be applied if coverage is not provided elsewhere in the policy contract. The sump pump overflow extension will not apply if water backup coverage is added.

Contact us via our webform or Live Chat if you need further assistance.

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