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Smart Protection for Today’s Smart Homes

If you’re like most people, you rely on high-tech electronics and appliances to keep your home running smoothly. When technology works, life is good. But the moment it goes down, it can be a major – and costly – inconvenience. That’s why CAA Home Insurance comes with optional CAA Home Equipment Breakdown Coverage for your electronics and appliances. Like a big, comfy safety net, this affordable add-on delivers peace of mind in the face of electrical, mechanical or pressure system failures.

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What does CAA Home Equipment Coverage include?

We all flip on a light switch and assume lights will go on; boot up our computers and rely on them for connectivity, turn up our heat to make our homes comfortable and trust our fridges to keep food fresh.


What if any of those stopped working? Home Equipment Breakdown coverage means you can rest easy. You’re protected for repairs or replacements if any of the following systems break down:

    • Major appliances

    • Electrical systems

    • Garden tractors

    • Heating and cooling systems

    • Home electronics

    • Personal computers

    • Security systems

    • Swimming pool equipment

    • Water heaters

    • Well pumps

Coverage also includes power surge protection for all real estate and personal property that is damaged as a result of an electrical power surge.

Benefits included with CAA Home Equipment Coverage

When a major appliance or electrical system stops working, it can feel like every part of your day is affected. We try to minimize the impacts of a home equipment breakdown by:

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    Expediting any out-of-pocket expense claims you submit

  • Extending coverage icon

    Extending your existing coverage to protect eligible devices when away from home

  • Covering expenses icon

    Covering any additional, reasonable living expenses you may incur while displaced from your home

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    Reimbursing you for the value of the goods spoiled from your equipment breakdown

  • Covering expenses icon

    Replacing damaged property with greener alternatives when possible

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Broken fan causes fridge to stop working.

THE SITUATION: Your refrigerator's fan motor seizes, causing it to continuously run and then overheat. You were away for the week, so all the food spoiled.

THE RESOLUTION: With CAA Home Equipment Breakdown Coverage, you’ll be reimbursed for the value of the goods spoiled.

THE TIP: Dust and clean around fridge to keep vents and coils free of dust.

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Have Questions?

Get all the coverage you need.

If you have CAA Home Insurance, you are eligible to receive Home Equipment Breakdown coverage for as little as $29/year.

Call your CAA Insurance Agent at 1-877-665-1222 for more details.

Terms & Conditions

  1. Property Insurance is underwritten by CAA Insurance Company.

  2. Underwritten by CAA Insurance Company. Claims administered by Mutual Boiler Re.