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Cover damage to your modern conveniences.

Updated: Jul 5, 2020

Today’s home includes contemporary conveniences and complex systems that can be costly to repair or replace when something goes wrong. While Erie Insurance offers coverage for damage to this type of equipment, basic homeowners insurance policies usually don’t include it. 


To protect your home from unexpected, costly breakdowns, you might purchase extended warranties. But those can be expensive and limited in coverage – and you have to buy a bunch of them. At ERIE, we  think that’s not right, so we did something about it.

With our Equipment Breakdown Coverage, you can get an extra cushion of protection for major appliances and home systems right in your homeowners policy with ErieSecure Home® and the Select bundle, when you also have Sewer and Drain Backup Coverage1.

You get coverage for these home systems and more… built right into your home insurance:

  • Heating and air conditioning

  • Water Heaters

  • Major Appliances

  • Electrical Panels

  • Home Security Systems

  • Sump Pumps

  • Home theater equipment

  • Computers

  • Smart home technology

  • Deep well pumps

And, keeping Mother Earth in mind, we will replace damaged property with Energy Star or “green” equipment that is better for the environment, safer or more energy efficient than the old equipment2.

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