Can I get insurance coverage for my home electronics, mechanical equipment and major appliances?

Answer:

Yes. Many insurance companies offer an endorsement that covers home electronics, mechanical equipment and major appliances.

For example, Pioneer State Mutual policyholders can add the “Equipment Breakdown Endorsement” to their homeowners policies. With this coverage, PSMIC will cover “sudden and accidental failure” for equipment such as air conditioning units, refrigerators, media electronics and outside yard maintenance machinery up to a specified limit.

Please be reminded, normal wear and tear is not part of this coverage.