Protect your pocket from costly home repairs – like HVAC and appliances
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Protect your pocket from costly home repairs – like HVAC and appliances

by American Modern January 09, 2024

In today’s world, we are all looking for more customizable options. Whether you’re building your computer’s system, picking out a band for your fitness tracker, or deciding if you want guacamole on your tacos (it’s extra), individualizing your purchases to make them fit your lifestyle better reigns supreme.

So, why wouldn’t you want the freedom to customize insurance coverage options when it comes to one of the largest purchases of all? Yes, your home.

One way American Modern® allows you to customize your coverage is by offering optional breakdown protection insurance. With this added coverage, you can expand your home’s insurance coverage to include sudden or accidental failure of electrical and mechanical systems – those built into the home and others purchased later.

Some examples include:

  • HVAC
  • Major appliances
  • Electrical panel
  • Electronics such as your TV
  • Pool equipment
  • Well or sump pump

So, whether it’s the repair or replacement of a refrigerator; or perhaps your HVAC system, if the loss or damage is due to mechanical or electrical failure, equipment breakdown coverage has your back. But only if you write it into your policy before bad luck strikes.

You may be worrying. “Customization is synonymous with expensive, right?” Not always! This coverage is an inexpensive way to protect your home’s mechanical systems and appliances which can be nightmarishly costly to repair out of pocket. In most states, the endorsement typically adds about $35 to the annual premium – that’s way less than the cost of a  home warranty or investing in separate warranties for your appliances.

It all comes down to being prepared and taking the time to talk to your insurance agent and customize the perfect coverage for your home so you can curb your worries. It’s easy when you choose breakdown protection insurance!

For information only. Not applicable to all situations.

American Modern

American Modern is a widely recognized specialty insurance leader that delivers products and services for residential property--like manufactured homes and specialty dwellings--and for consumers in the recreational market, including owners of boats, personal watercraft, classic cars, motorcycles, ATVs and snowmobiles. For more information, visit