Mechanical Breakdown Coverage: How It Protects Your Home

We all spent a lot of time at home over the past few years! If you're like a lot of homeowners, you discovered (or rediscovered) that you can have have plenty of fun at home, especially if there’s a pool in your backyard — that is, unless the pool stops working.

If you own a pool, you know there are plenty of ways things can go wrong, from algae growth to a leaky liner. Most of the time, paying attention to the quality of your pool and the water in it is enough to alert you when something is off. When the filter suddenly stops working or a pump unexpectedly fails, though, that’s when you need a little extra help to get the pool back in working order.

That’s why you want Hastings Mutual Mechanical Breakdown coverage, usually called equipment breakdown coverage. It builds on your Homeowners insurance to offer even more support: We’ll pay your costs to repair or replace non-working equipment. It’s not just for pools, though; in addition to pool pumps and filtration systems, the coverage is also for:

• Central air conditioning systems
• Central vacuum systems
• Chairlifts and elevators
• Electric vehicle charging stations
• Heating systems, including water heaters
• Home automation and security systems
• Saunas, hot tubs, and therapeutic baths
• Stoves, wall ovens, and refrigerators
• Well water pumps and sump pumps

You’re probably already familiar with the many ways your equipment can break down (and it always seems to happen at the most frustrating time!):

• Pressure failure, like a burst water heater
• Mechanical failure, like an overheated air conditioner in the middle of July — hopefully this doesn’t happen at the same time your pool goes bad!
• Electrical breakdown, like a defective circuit causing a power surge that fries your TV

These breakdowns can cost thousands of dollars to repair. With our Mechanical Breakdown coverage, your insurance will take care of the cost. Then you can get back to doing what you want to do at your house and with your summer.

Questions? Let us know in the comments.

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