Home Equipment Breakdown

Why Home Equipment Breakdown Coverage


Home Equipment Breakdown Coverage can be added to most of Red River Mutual’s residential policies. Most homeowners policies don’t cover the equipment in your home if it breaks down. Extended warranties? They’re often expensive, hard to manage, and usually just cover one piece of equipment. But Home Equipment Breakdown Coverage offers a simple, comprehensive, and affordable solution that covers what most homeowners policies exclude.


Home Equipment Breakdown Coverage covers all of your important home systems and property due to loss by mechanical or electrical breakdown. That includes home security systems, personal computers, home electronics, appliances, heating and cooling systems, swimming pool equipment, water heaters, well pumps, garden tractors and more.


Home Equipment Breakdown Coverage even covers you if your home becomes uninhabitable due to equipment breakdown. That’s another benefit most warranties and service contracts don’t offer.


We will pay your additional cost to replace equipment with options that are more environmentally friendly, safer, or more energy-efficient.


The following examples of actual claims show why having Home Equipment Breakdown Coverage is a smart decision.

A family’s HVAC system was not producing cold air. An examination revealed that a short circuit had burned out the AC compressor motor. The entire condensing unit was replaced, as it was not cost effective to repair or replace the motor. After the deductible, their Home Equipment Breakdown Coverage paid them $2,150 for the replacement.

Dad was in the den working on his computer while the kids gathered in the family room to watch a movie. Suddenly, a short circuit at a nearby substation caused a power surge that damaged their home theatre components and the computer. After the deductible, their Home Equipment Breakdown Coverage paid them $1,637 for their loss.

Loss prevention Program

Take a few minutes to go through your home, garage and yard to identify areas where safety can be improved!



Tree branches are trimmed away from roof Cut tree branches and limbs that extend over the roof. This reduces the buildup of leaves and twigs that block eaves troughs and prevents damage caused by fallen limbs during high winds. Roof & shingles are in good condition Replace blistered, curled or split shingles, and ensure that none are loose or missing. Inspect the flashing around plumbing vents and chimneys to be sure it is firmly in place. Do not wait until your roof leaks to take corrective measures, as this leads to expensive repair costs and major disruptions.

Water Drainage

Downspout extensions are installed.

Prevent water from collecting near your foundation by installing 6 foot downspout extensions. Landscape a natural slope away from the house for water flow. Check yard drains, culverts, gutters and downspouts to be sure they are open and clear of debris so that water is channeled away.

Fire Protection

BBQ is located away from combustibles.

Keep BBQ grills on a level surface at least 2–3 feet away from wood or vinyl siding. Never use a gas or charcoal grill inside your home or in a closed garage, as this is both a fire and carbon monoxide poisoning hazard. Check gas cylinder tubes regularly for cracking, brittleness and leaks. After grilling, make sure the BBQ and gas supply are turned off, the burner flames are out and the lid is closed.


Water Drainage

Sump pump installed

Check your sump pump system before it rains at least once in Fall and once in Spring. Use your garden hose or a bucket of water to fill up the sump and make sure the pump starts, runs properly and drains the water and then switches off.

Backwater valve installed

Mainline backwater valves are installed in the main sewer line and reduce the risk of sewer backup in your home. You will need the assistance of a licensed plumber to install a mainline backwater valve.

Fire Protection

Smoke detectors installed on every level

Ensure smoke alarms are installed on every level of your home and are located near every bedroom. Test detectors monthly and replace batteries once a year. If your battery powered smoke alarm begins to emit a low-power warning, usually a chirping sound, replace the battery immediately.

Fire Extinguisher in kitchen

A dry chemical, ABC rated fire extinguisher is effective for use on common combustibles, flammable liquids and fire involving electrical equipment. Fire extinguishers should be inspected annually by a certified service company and pressure tested after 12 years.

Fireplace & chimney are inspected & cleaned.

Have a professional chimney sweep inspect your chimney and fire box every year. They will clean out any creosote build-up in the chimney that could start a fire, and fix any cracks, blockages and leaks. Burn only well-seasoned fire wood and store the ashes in a covered metal container.


All electrical outlets & switches are covered by faceplates Junction boxes containing energized wiring should be enclosed with a cover plate to prevent electric shock and fire. Check for outlets that have loose-fitting plugs which can overheat and lead to fire.

Electrical cords are in good condition Replace cords immediately if frayed, cracked or damaged. Do not run through doorways, windows or use in high traffic areas. Do not cover cords with carpet, furniture or clothing.

Extension cords are used for temporary power only Extension cords are not intended as permanent household wiring. Check to see that cords are not overloaded and haven’t been chained together or fed from another extension cord. Do not use in an area where cords will be exposed to moisture.

Kitchen appliances with heating elements are unplugged when not in use Faulty kitchen appliances can remain energized after use, creating a fire hazard by overheating nearby combustible items. Be sure to unplug toasters, toaster ovens and coffee makers when not in use.


Water connection hoses in good condition

Check hoses and connections on your dishwasher, washing machine, sinks and toilets at least once a year. Most hoses fail where the coupling crimps the hose end. Replace immediately if cut, frayed or damaged. If your home will be unoccupied for more than a few days, shut off the main water source to your home.

Water heater in good condition If there is water accumulation beneath the tank, a hissing or whistling sound or chronic hot water shortages, it’s time to replace your water heater. Hot water storage heaters have an expected life span between five and ten years.

Life Safety

Carbon monoxide detectors installed.

A CO detector should be installed on every level of your home and located near sleeping areas. If an alarm sounds, evacuate the house and call your gas utility to test your home immediately. Have a qualified service technician inspect and repair all fuel burning appliances if they are identified as being the CO source.

Personal Articles Floaters

Are You Covered?

Your homeowner’s policy covers you for many things. However, there are sometimes limits to the coverage on certain items where values range widely from household to household.

Make sure your prized possessions are adequately insured by purchasing a ‘Personal Articles Floater’. This form provides “all risk” coverage on scheduled personal property which includes loss and damage.

Service Line Coverage

Underground Service Line Endorsement

The Underground Service Line endorsement fills a coverage gap for homeowners, who often do not realize that they own the outdoor service lines from the street to their house, and behind their house to a well, septic tank, or an out-building. A service line failure is physical damage that results in a leak, break, tear, rupture or collapse of a pipe or arcing wiring.

Extensions to Red River Mutual’s Underground Service Line Endorsement coverage include:

  • Loss of use – Red River Mutual will pay for hotels, meals, rent, or other living expenses when a family must leave their residence because of a covered loss.
  • Expedited Expenses – We will pay the reasonable extra expenses to make temporary repairs and expedite permanent repairs or replacements.
  • Excavation Costs – We will pay the necessary and reasonable excavation costs required to repair or replace the damaged underground service line.
  • Environmental & Safety Improvements – If an underground service line requires replacement due to a failure, we will pay an additional cost to replace with materials that are better for the environment, safer or more efficient that the materials being replaced.
  • Outdoor Property Extension – Red River Mutual will pay to replace your outdoor property that is damaged due to a service line failure. This includes, but is not limited to, shrubs, trees, lawn and driveways.

Did You Know?

Home owners are responsible for the maintenance of service lines and repairs when the lines fail. Homeowners must pay out-of-pocket for outdoor property such as trees, shrubs and driveways damaged as a result. Service line failure is not covered by most homeowners insurance policies.

Typical Losses

  • A tree on your property has root growth that has caused damage to the sewer line connecting your home to the public sewer system. Your entire front yard will need to be excavated to repair the damage. Cost of Repairs: $5,000
  • A leak occurs in the ground loop piping that forms part of your Heat Pump or Geo-Thermal Heating System. Your yard will need to be excavated to pinpoint the location of the leak and then the leak will have to be repaired. You may incur Loss of Use costs if your dwelling is uninhabitable until repairs are completed. Cost of Repairs: $9,500
  • Your sewer line connecting your home to the public sewer system collapses. Your yard will need to be excavated to locate the collapsed sewer line and then the line will have to be repaired. You may incur Loss of Use costs if your dwelling is uninhabitable until the repairs are completed. Cost of Repairs: $5,000