Homeowners Equipment Breakdown Coverage

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Homeowners equipment breakdown coverage

Home Systems Protection from Hartford Steam Boiler

HSB HomeWorks™ combines the broadest homeowners equipment breakdown protection available - Home Systems Protection - with a suite of home management tools, known as MyHomeWorks.

Home Systems Protection covers the breakdown of home systems, appliances and electronics. The MyHomeWorks.com website offers home energy management tools to help increase home energy efficiency and save money. HSB HomeWorks is designed to enhance the Homeowners products offered by personal lines insurers that partner with HSB.

HSB Home Systems Protection

HSB Home Systems Protection (HSP), covers systems, appliances and electronics homeowners value and rely on for everything from heating and cooling, water and power, to communications, security and entertainment. It addresses the latest breakdown risks to homeowners today, provides broader coverage and gives your insured better incentives to upgrade to more energy or water efficient systems. There’s no other program available that protects your customers as well, with so much added value.

HSP can be configured to provide broad coverage for a wide range of interior and exterior home systems. We give you the flexibility to customize what’s covered to suit your strategy and provide broad, meaningful protection at an affordable price. We can also tailor the limit and deductible to what your customer profile requires. Coverage can include:

  • Systems: Electrical generation and distribution, heating and cooling, air and water filtration, central vacuum, home security systems, swimming pool and sauna equipment and more.
  • Appliances: Refrigerators and freezers, cooktops, ovens, dishwashers, clothes washers and dryers and more.
  • Electronics: Computers, medical devices, televisions, sound systems, tablets, phones, game consoles and more.
  • Service lines: Homeowner-owned, underground exterior service lines that fail or are accidentally broken and the often significant excavation costs associated with repairing or replacing them.
Microelectronics coverage enhancement to Home Systems Protection

Advanced technology is an integral part of our lives - both at work and at home. Homeowners reliance on home systems and appliances – and the microelectronics, firmware and software that run them – makes the risk of breakdown and loss even more impactful.

With microelectronics, damage can be undetectable, and software and firmware failures aren’t even physical. Until now, property coverage required proof of physical damage, which could leave insureds without coverage for repair, replacement and data loss caused by technology failures.

There’s nothing like else HSB’s microelectronics coverage for emerging technologies in the home in the marketplace today. Coverage is included in the Home Systems Protection limit, and there are no special sub-limits or deductibles.


With annual home energy costs averaging $2,300 and trending higher, homeowners need ways to reduce their energy consumption costs, but few know where to turn or who to trust for information and guidance.

Now you can offer policyholders valuable help with MyHomeWorks™, an engaging website – branded to your company – with interactive tools and information to improve their homes’ efficiency and save money. That means your clients can benefit from this program even if they never have a loss.

In fact, the energy savings potential significantly exceeds the modest cost of the insurance. You can offer a coverage that virtually pays for itself and creates a positive connection between you and your customers.

Here's what MyHomeWorks can provide to your policyholders:

  • Energy calculator to score a home’s efficiency, estimate potential energy cost savings and provide tailored recommendations to improve efficiency and lower energy expenses.
  • Electric and gas rate comparison tool that lets homeowners in deregulated energy states compare rates in their area, sign up with a lower-cost supplier and start paying less for electricity.
  • Virtual home tour that reveals energy and money-saving opportunities in every room, plus maintenance tips to keep things running more efficiently and reliably.
  • Home inventory tool, also available as a mobile app, to catalog the contents of their homes and their value, upload photos of their property and assets and securely store scans of vital records online.
  • Technical support service to help homeowners with a wide range of home technology issues, including removing viruses, setting up parental controls and much more.

If you’re a homeowner and want to know how to get access to HSP coverage and the MyHomeWorks.com website, email us at info@myhomeworks.com or call us at 855-649-1110.

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