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.

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