Mechanical Breakdown Coverage for Homeowners

Regardless of age, the mechanical equipment around your home is subject to sudden and accidental breakdown and repairs or replacement can be costly. Cincinnati’s Mechanical Breakdown Coverage can enhance your homeowner policy and can give you peace of mind knowing you’re protected against many unforeseen and unexpected mechanical breakdowns to your home’s major components.

This endorsement, if purchased, broadens your policy to cover losses due to mechanical breakdown from covered accidents to key household equipment. Covered equipment includes major systems that affect your ability to live comfortably in your home, such as heating and air conditioning units and water heaters. The endorsement does not cover normal wear and tear to major systems or kitchen and laundry appliances, entertainment equipment, computer equipment or personal property.

With Cincinnati’s mechanical breakdown endorsement, you receive coverage that:

  • pays up to $50,000 for the sudden and accidental breakdown of covered equipment, necessitating its repair or replacement
  • provides additional living expenses up to $200 per day, up to a total of $1,000, if you cannot live in your home until repairs are made after a covered accident. This amount is included within the same $50,000 limit of insurance that covers your equipment
  • pays the cost to replace covered equipment, following a covered accident, with equipment that is better for the environment, safer or more efficient -- up to 125 percent of the cost to replace with equipment the same kind and quality of the original equipment. This does not increase the $50,000 limit of insurance.

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