Homeowners Equipment Breakdown

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Home Systems Protection

Home Systems Protection from Hartford Steam Boiler

HSB Home Systems Protection closes gaps in standard homeowners insurance policies by providing breakdown coverage for systems, appliances and electronics homeowners value and rely on for everything from heating and cooling, water and power, to communications, security and entertainment. 

What Home Systems Protection covers

Adding the Home Systems Protection enhancement to a homeowners insurance policy provides breakdown protection to equipment and devices throughout the home, such as:

  • Home systems, including electrical generation and distribution, heating and cooling, air and water filtration, central vacuum, home security, swimming pool and sauna equipment
  • Appliances, including refrigerators and freezers, cooktops, ovens, dishwashers, clothes washers and dryers
  • Electronics, including computers, medical devices, televisions, sound systems, tablets, phones, and game consoles


With Home Systems Protection, agents can offer a true insurance product that is broader and less-expensive than service contracts or extended warranties. There is simply no other program available that protects your customers as well, with so much added value – particularly when paired with Service Line coverage.

Features free money-saving tools

Home Systems Protection also includes free access to MyHomeWorks™, a suite of home management tools that includes:

  • An energy calculator to score a home’s efficiency, estimate potential energy cost savings, and provide tailored recommendations to improve efficiency and lower energy expenses
  • An 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
  • A virtual home tour that reveals energy and money-saving opportunities in every room, plus maintenance tips to keep things running more efficiently and reliably
  • A home inventory tool, also available as a mobile app, to catalog the contents of a home, upload photos of property and assets, and securely store scans of vital records online
  • Technical support services to help homeowners with a wide range of home technology issues, including removing viruses, setting up parental controls, and much more



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This publication is available exclusively to Munich Re clients. Please contact your Client Manager.