When your air conditioner suddenly dies in the middle of a Phoenix summer, or your refrigerator gives out in Chandler , replacing it can cost hundreds—or even thousands—of dollars. That’s where Home Equipment Breakdown Protection can help.

At Riseson Insurance , we help homeowners in Tempe , Phoenix, Scottsdale , Tucson , Gilbert , and Chandler protect the essential systems and appliances they rely on every day—without the massive out-of-pocket costs.

Home Equipment Breakdown Protection is an optional add-on to your home insurance that covers mechanical, electrical, or pressure system failures of home appliances and equipment.

It’s like having an extended warranty—but broader and more affordable.

This coverage typically includes protection for:

HVAC systems (heating and cooling) Water heaters and boilers Refrigerators, washers, and dryers Electrical panels and home wiring Kitchen appliances Home entertainment systems Backup generators and more

If these systems break down due to a mechanical or electrical failure (not normal wear and tear or poor maintenance), the insurance can help pay for repair or replacement.

While home warranties are separate service contracts that may come with limitations, Equipment Breakdown Protection is an endorsement on your homeowners policy.

Lower cost: Usually around $30–$50/year Broader protection: Covers more types of breakdowns Higher limits : Payouts can go up to $50,000, depending on the policy

In Arizona cities like Tucson, Phoenix, and Tempe, your HVAC system is crucial. The extreme summer heat puts constant strain on cooling systems, and repairs can cost thousands.

Appliances in newer homes in Gilbert or Scottsdale may be under warranty for a short time—but once that expires, you're on your own unless you're protected.

Imagine this: your refrigerator's compressor fails unexpectedly. You lose all the food inside and face a $1,800 bill for a new unit.

With Home Equipment Breakdown Protection:

The policy may cover the cost to repair or replace the refrigerator It could reimburse you for spoiled food All for an annual premium of less than a dinner out

Protect your investment and avoid surprise expenses. Home Equipment Breakdown Protection is a smart, affordable way to make sure your home's essential systems are covered.

Call Riseson Insurance at 602-460-5470, we help homeowners in Chandler, Phoenix, Tempe, Scottsdale, Gilbert, and Tucson add this valuable protection to their policies with top-rated carriers.

What Is Equipment Breakdown Coverage?

What Does It Cover?

How Is This Different from a Home Warranty?

Key differences:

Why Is This Important for Arizona Homeowners?

Real-Life Example

Add This Protection to Your Home Policy Today

• HVAC systems (heating and cooling)
• Water heaters and boilers
• Refrigerators, washers, and dryers
• Electrical panels and home wiring
• Kitchen appliances
• Home entertainment systems
• Backup generators and more

• Lower cost: Usually around $30–$50/year
• Broader protection: Covers more types of breakdowns
• Higher limits : Payouts can go up to $50,000, depending on the policy

• The policy may cover the cost to repair or replace the refrigerator
• It could reimburse you for spoiled food
• All for an annual premium of less than a dinner out