Beginning Friday, June 13th, the State of Michigan will be updating their reporting systems which will interrupt selected services normally available on Pioneer's website. You will not be able to submit any changes to an auto policy online until the State concludes their efforts on or around Sunday, June 15th.
We apologize for any inconveniences this may cause.
Continue to the Pioneer Website
Equipment Breakdown Coverage
Affordable Protection for Sophisticated Household Equipment. From kitchen appliances to home entertainment equipment to air-conditioning systems, more and more of today’s homes are outfitted with sophisticated equipment. In response to this progress, we offer equipment breakdown coverage for homeowners policies. With no upcharges for our best protection, this equipment breakdown enhancement helps protect you from costly equipment breakdowns at a competitive price.
Enhanced features beyond a standard homeowners policy:
- Coverage up to $100,000 responds to a variety of equipment breakdown losses
- Primary coverage provided for artificially generated electrical surges
- Additional layer of electrical surge protection available with surge gap coverage
- Spoilage coverage up to $10,000 for lost fresh and frozen goods due to an equipment breakdown
- Sump pump overflow coverage with $2,500 limit for damage caused by sump pump breakdown
- Additional Living Costs incurred by you due to equipment breakdown so that your household can maintain its normal standard of living
- Expediting Expenses incurred to make temporary or permanent repairs of damaged property
- Coverage for heating and cooling water piping system or appliance damage due to equipment breakdown
- New Generation coverage provides up to 50% more loss payment when making efficient equipment upgrades
- Pollutants covered up to $10,000 for additional cost to repair or replace covered property due to contamination by pollutants
- Residential yard maintenance equipment (<25hp) now included under covered equipment
Covered Equipment
- Air-conditioning and heating equipment
- Air tanks
- Attic fans
- Central vacuum systems
- Communication equipment
- Computer equipment
- Electric doors and locks
- Emergency generators
- Entertainment equipment
- Fiber optics
- Home gym equipment
- Hot tub/sauna equipment
- Kitchen appliances
- Pool filter pumps
- Residential yard maintenance equipment
- Security systems
- Smart home technologies
- Solar panels
- Sump pumps
- Washers and dryers
- Water heaters and boilers
- Wine cellar climate control
This coverage can be added online via your My Pioneer account!