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Equipment Breakdown coverage versus a Home Warranty: What’s the difference?


Equipment breakdown coverage and a home warranty both cover common appliances and systems that people use in their homes, such as: well pumps, garbage disposals, dishwashers, ovens, clothes washers and dryers, refrigerators and water heaters.  Additional covered appliances may vary by product.


Equipment breakdown coverage is an endorsement available to add to your current homeowner’s insurance policy with certain carriers.  There are no limits for square footage of your house and the coverage is available in MS and AL.  With equipment breakdown coverage, losses must be sudden, direct, and accidental.  Overall wear and tear is specifically excluded from the coverage.  Equipment breakdown coverage provides replacement of equipment with “greener”, modern Energy- Star rated products.  Customers can call their own trusted repair vendor to get the equipment fixed.  The cost is typically around $2 a month with a $500 deductible.  There may be a coverage limit applied.


A Home Warranty is a stand-alone service contract.  The home warranty is limited to single-family homes under 10,000 square feet and is available in MS and AL.  Applications for a home warranty are not available within 30 days of closing or refinancing on your home.  The home warranty covers normal wear and tear.  Accidental damage to an appliance or component is not covered.  When a covered item breaks, the customer calls, or goes online, and a qualified local repair professional within a network of approved contractors is assigned.  The annual cost varies depending on the systems covered, option coverages and service-fee level.  Customers can choose $75, $100, or $125 co-pay per visit.  The contract is for a 1 year term and can be paid annually or monthly.


Call Pearson & Company Insurance at (601)482-6699 for your free quote today on adding equipment breakdown coverage to your homeowner’s insurance and a quote for a home warranty to make sure you are fully covered.

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Pearson & Company Insurance, Inc.
2210 13th Street
Meridian, MS 39301

Phone: 601-482-6699
Fax: 601-482-1526
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