HSB BI&I Home Systems Protection Fills Homeowner Property Coverage Gaps

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Home Systems Protection

Today's homes are filled with equipment that homeowners depend on for basic comfort and services.

Heat, electricity, air conditioning and hot water are just a few of the daily necessities supplied by mechanical equipment that's become more complex, costly, and prone to break down. And the risk to higher end homes is even greater.

Simple misuse, faulty installation or poor maintenance can cause a breakdown that's surprisingly costly to repair or replace and isn't covered by warranties or service contracts.

Homeowner policies provides a broad spectrum of insurance, yet most do not cover mechanical, electrical or heating equipment breakdown. Now yours can.

A New & Simple Solution

Now, you can enhance your homeowners product with a new coverage underwritten for broad access and affordability.

Home Systems Protection can be added easily as a value-added feature to your homeowners policy.

Examples of Equipment Covered:
  • Central air conditioning
  • Ventilation systems and fans
  • Boilers and water heaters
  • Furnaces, heat pumps, heaters, solar heaters
  • Deep well pumps
  • Back-up generators
  • Chair lifts and elevators
  • Electrical power panels
  • Various types of motors and mechanical devices
  • Pool equipment
  • Central vacuum systems
  • Personal property

Home Systems Protection is available only through our Client Company partners at this time.

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Are you a broker? Self-rate, bind and issue commercial equipment breakdown policies in less than 5 minutes.


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