What is Home Systems + Service Line Coverage?

Home Systems Protection - Coverage that can pay for itself, and then some.

We use Home Systems every single day.  Electric power, heat, hot water, and air conditioning to name a few.  As more equipment and increasingly high-tech systems are becoming the norm, the risk of something going wrong, as well as the associated cost, is higher than ever.  Equipment replacement parts and the cost to install or fix systems can be high, and can easily add up to several thousand dollars or more.   Home Systems Protection can reduce the out-of-pocket expense you might otherwise incur should one of these systems fail.  

Home air conditioner in snow

Home Systems Protection vs Warranties

Protection for your home system equipment as offered by warranties and service contracts can be very limited, and it's purpose is often to handle everyday maintenance.  The Home System Protection coverage can help to respond to the often expensive cost to repair or replace damaged home systems.  In addition, as offered by many of our home insurance companies, you will benefit from quality claim service, speedy response time and payment for covered losses.

What kind of Home Systems are covered?

Home Systems Protection coverage responds mechanical break down to a wide range of systems.  Some examples:

  • Central Air Conditioning
  • Ventilation systems and fans
  • Boilers, furnaces, heat pumps and water heaters
  • Solar heaters
  • Built-in back-up generators
  • Chair lifts and elevators
  • Electric service panels
  • Built-in pool and spa equipment
  • Central vacuums
  • Permanently-installed appliances
  • Home security monitoring systems
  • Kitchen and laundry appliances
  • More

What is Underground Service Line Coverage and is that included?

Did you know that if damage occurs on your property, you're responsible for repairs to underground pipes and wiring that bring water, power, communications and data into your home? 

Underground Service Line Coverage pays for service line repairs but also for damage to outdoor property caused by repairs.  Sometimes, your home may become inhabitable until repairs are made - with service line coverage, your costs to live elsewhere, such as a hotel and associated extra costs, may also be recoverable.   

What are examples of items that may be covered by Underground Service Line Coverage?

  • Water lines
  • Waste Disposal
  • Natural Gas
  • Propane
  • Electrical
  • Drainage
  • Communications
  • More

With most of our companies, Home Systems Protection and Underground Service Line Coverage is a package deal that you can add on as an endorsement most home insurance policies. 

Terms, conditions and coverage vary and depend on various factors such as which home insurance company you are with.  It's best to speak directly to one of us if you are interested in learning more about Home Systems + Service Line Coverage so we can help guide you.

What to do Next?

Have us review your insurance policies and check that your limits are sufficient. Ask what the cost is to bump it up under higher limit scenarios.

Call today 617-846-5000 or click here 24/7/365 and we will get back to you same day or the next business day