Insurance

Home Equipment Breakdown Coverage

Protect your electronics, appliances and everything in between against mechanical, electrical or pressure-system breakdowns with our comprehensive and affordable coverage.

PCs & LaptopA desktop computer, printer and laptop were plugged into the same electrical outlet. The circuit overloaded causing electrical damage to all the equipment. Repairs exceeded replacement costs, so the owner opted to replace all three.

Preventative tip:
Unplug one or more devices when not in use to reduce the risk of overloading.
Green CoverageReplacing a covered piece of equipment with a similar unit that has an Energy Star or similar “Green” rating will allow you to recoup up to 125% of the replacement cost. By encouraging homeowners to choose more eco-friendly alternatives, Home Equipment Breakdown Insurance plays a valuable role in helping to make our planet a better place to live.
Range/OvenThe igniter on a gas stove failed to light and required repair.

Preventative tip:
Clean the burners regularly to prevent moisture and dirt buildup.
Refrigerator The compressor failed, causing your refrigerator to overheat. Repair was required as well as compensation for food spoilage.

Preventative tip:
Ensure the vents and coils are free from dust to ensure optimal performance.
Media System: A storm caused a power outage in the neighborhood. Three flat-panel televisions in the home were on when the outage occurred. When power was restored, a voltage spike in the power lines damaged all three TV units beyond repair. All three required replacements.

Preventative tip:
Installing a surge protector can help prevent damage from voltage spikes.
DishwasherA stray utensil jammed the sprayer arm, causing the motor to seize and burn out.

Preventative tip:
Properly secure all plates and utensils and clear debris from your dishwasher’s sprayer arms to increase performance.
Pool Filtration SystemThe 3-hp motor powering the filter mechanically seized and needed to be replaced.

Preventative tip:
Skim your pool regularly to clear debris and install fencing or shrubbery to reduce the cooling effect of winds.
AC System The compressor inside the air conditioning system failed and needed to be replaced.

Preventative tip:
Schedule a professional tune-up once a year to inspect the fan, compressor, coils and refrigerant lines.
Lawn TractorAn electrical short caused the main wiring harness between the ignition keyed switch and the main fuse to melt, rendering the mower unusable. Installation of a new wiring harness was required.

Preventative tip:
Avoid plowing leaves and other debris which can ignite with hot exhaust or engine parts.
Deep Well PumpFractured impeller blades damaged the home’s deep well pump, requiring excavation, replacement of the pump and temporary relocation of the family.

Preventative tip:
Ensure your pump has a working pressure relief valve to prevent bursting.
Vacuum System An excess of dirt and debris clogged the impeller blades, causing the motor to seize and need replacing.

Preventative tip:
To keep your system running efficiently, clean the filter every time you empty the dust container.
Washer/DryerA faulty balancer mechanism caused overheating which damaged the washer’s transmission and controls. Replacement of the unit was required.

Preventative tip:
Check the rubber hoses regularly for small bubbles or cracks. If unnoticed, they can rupture and lead to water damage and flooding.
Electrical Service Panel A power surge damaged a home’s kitchen appliances, washer and dryer, three televisions, clock radios, CD players and telephones. Equipment replacement was required.

Preventative tip:
Installing a surge protector can help prevent damage from voltage spikes.
Heating System/BoilerThe boiler’s safety relief valve did not open to allow boiling water and steam to escape, causing the boiler to crack. Replacement of the boiler was required.

Preventative tip:
Regular maintenance to remove soot build-up will maximize efficiency and reduce energy costs.
Water HeaterThe operating control on the water heater failed, creating excessive pressure that caused the tank to rupture and leak. Replacement was necessary. Since the home was temporarily uninhabitable, the family needed to stay at a hotel for two days.

Preventative tip:
Have your water heater regularly inspected and keep track of its purchase/installation dates.

Click here for the full coverage document »

Please note that to read these Policy Documents you must have the free Adobe Reader installed on your system. Download the Adobe Reader.

© 2013 CAA South Central Ontario. All rights reserved. Serving Members in Southern and Central Ontario.
® CAA, CAA logo and CAA Dollars trademarks owned by, and use is granted by, the Canadian Automobile Association.
Life-side Assistance is a registered trademark of CAA South Central Ontario.