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Coverage for the things that make your house a home.

It’s easy to take your home’s mechanical and electrical systems for granted…until they break. Heating and cooling systems, refrigerators, and water heaters are essential to make your home comfortable. Repairing or replacing these items can be expensive and are typically not covered under a homeowners policy. That’s where equipment breakdown coverage comes in.

What’s covered?

Here are a few systems and appliances in your home that would be covered under an equipment breakdown policy:

  • Heating and Central A/C Systems
  • Refrigerator
  • Dishwashers
  • Garbage Disposals
  • Heat Pumps
  • High Energy Electrical Service Panels
  • Home Security Systems
  • Computer Equipment
  • Home Environment Monitoring
  • Microwaves
  • Ovens
  • Sump Pumps
  • Surround Sound Systems
  • Pool Equipment
  • Televisions
  • Washers and Dryers
  • Water Heaters
  • Well Pumps

How much does it cost?

The cost of equipment breakdown insurance coverage ranges from $25 to $50 per year, depending on the state you live in.

Is there anything that’s not covered?

Equipment components that fail due to wear and tear or have reached their maximum life expectancy are not covered. For example, loss to refrigerant in an air conditioning unit would not be covered; however, if the air conditioner fails due to a power surge that damages the AC unit’s electrical components, coverage would apply.

Ready to get started with equipment breakdown coverage? Talk to a Gulfstream agent.

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state or area, and exclusions may apply.


Gulfstream insurance is available in the following states:

**Gulfstream is not writing new business in the states of Mississippi or Texas at this time.

Contact Us

Address for Gulfstream policy payments
& correspondence:

P.O. Box 100248
Columbia, SC 29202-3248

Customer Service: 866.485.3004, option 4
Insurance Claims: Flood Claims 888.481.1159 All other claims 866.485.3005

Flood Insurance Mailing Address

Find an agent. Get a quote for insurance.

Need assistance selecting the coverage that's right for you? Talk to one of our local agents.