Mechanical Breakdown

A sudden breakdown of equipment in your home can be inconvenient and expensive. Acuity offers this endorsement for homeowners and condo-unit owners policies to help prepare for those unexpected situations.

What does the mechanical breakdown endorsement cover?

The repair or replacement of a household appliance that is damaged due to a sudden and accidental mechanical or electrical failure, or bursting, cracking, or splitting.

Examples of household appliance include:

Air conditioner
Furnace
Security system
Washer and dryer
Refrigerator
Water heater
Vacuum system
Generator
Television

This endorsement does not cover breakdown due to wear and tear nor is it a service agreement or warranty.

How much coverage can I get?

Coverage is available with a $50,000 limit, subject to a $5,000 limit for each piece of equipment over 15 years old. A $500 deductible applies.

Get a quote

Let us focus on your insurance so you can focus on living life.

BLOG

Get answers from our insurance experts.

We Want (more) Work Comp!

Thanks to you, our push for work comp continues to succeed!

5 Tips to Prevent Chimney Fires

Learn essential tips to prevent chimney fires and keep your home safe this winter. From professional inspections to proper wood use, discover how to enjoy your fireplace safely and protect your family from fire hazards.

Tips to Prevent Frozen Pipes

This time of year, it isn’t uncommon to hear about extreme cold snaps bearing down on homes across the country. When the thermometer drops, it is important to keep our friends, neighbors, and families safe from the elements, but it is also important to check on our homes.

RESOURCES

Other things you might be interested in.

Brochures

Learn more about our products.

Video gallery

See the latest videos from our experts.

Glossary

Check out our glossary to help you understand your policy.

View more resources & tools