If you are a homeowner, then you know that warranties and service contracts don’t cover everything.  There is, however, insurance that covers your home systems to help reduce your financial burden in the event of breakdown on your home equipment infrastructure. These policies may cover any gaps when it comes to protecting your home and it’s operations.

Home system insurance is an enhancement option that can be added on to your homeowner’s policy. It’s not a requirement at this time, but it might be a good idea to consider as an added layer of protection when it comes to the things that help your home function (heating, cooling, security, etc.).

It should be noted that this coverage is not for overall “wear and tear”, but instead covers things like accidents, mechanical breakdown, electrical breakdown and circuitry impairment. Since our home systems provide the most basic functions and serve the most essential needs in our day-to-day lives, it is important to consider protections for those operations.

Most coverage plans protect you for up to $100,000 and offer between a $500 and $1000 deductible depending on the level of coverage that you choose to purchase. Most plans are offered for pennies per day for coverage that will assure you that everything in your home can be taken care of and that nothing will be left behind or forgotten about.

Examples of systems that can be covered include:

• Air Conditioning
• Boilers
• Furnaces
• Air pumps
• Water purification and filtration
• Emergency generators
• Well pumps, sub pumps
• Home security protection
• Green tech energy (solar panels)

Examples of personal property that can be protected include:

• Laundry appliances
• Home theatre equipment
• Refrigerators
• Microwaves
• Ovens
• Electronics (video game consoles, tablets, computers)

Of course, every home and every homeowner is different.  Some things may already be covered through your homeowners insurance policy, but our team at Bieritz Insurance Agency can help you assess things that might not be covered and find the right options to best protect you.  If you have any questions, or would like to schedule an appointment, please contact us at Bieritz Insurance to schedule an appointment for a personalized assessment.  We are happy to help you.