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Home Systems Protection

Your homeowner’s policy covers a wide array of perils to your home and contents, but what happens when your household equipment breaks down? The Alfa® Home Systems Protection coverage will better protect your home equipment and systems – for just $43 per year. 

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What is Home Systems Protection?

Home Systems Protection is a low-cost coverage enhancement option to your homeowner’s policy that covers the repair or replacement of important systems in your home due to a mechanical or electrical failure. Consider it the cherry on top of your homeowner’s policy.

Alfa’s Home Systems Protection coverage provides a coverage limit of $100,000 with a $500 deductible and will cover the repair or necessary replacement of the damaged equipment due to a mechanical or electrical breakdown or electronic circuitry impairment (ECI) of its microelectronic parts; as well as loss of use and related spoilage of refrigerated or frozen products (up to $10,000).

While this doesn’t cover normal “wear and tear” issues that occur over time, it can provide coverage for sudden, accidental breakdowns to the following items:

  • Geothermal and solar installations
  • Air conditioning and heating systems
  • Appliances
  • Control panels
  • Electrical garage door openers/gates
  • Electrical panels and back-up generators
  • Elevators and chair lifts
  • Fire and security systems (fire protective sprinkler piping excluded)
  • Hot water heaters
  • Pool and hot tub equipment/filtration systems
  • Water treatment and filtration equipment
  • Well pumps
  • Computers, tablets and smartphones
  • Health monitoring systems
  • Home exercise equipment
  • Home theater and audio systems
  • Shop equipment not used for business


Why Do I Need it?

The systems we use every day, and often take for granted, are at the heart of our home. You may not even notice your home equipment unless something stops working. And when that happens, you’ll want things to get back to normal as soon as possible at minimal cost to you. Our Home Systems Protection coverage will help you do that.



Home Systems Protection Infographic

This summary broadly describes some of the features of the Home Systems Protection Endorsement. Please refer to the policy endorsement for complete information on the coverages provided. If there is a conflict between the endorsement and this summary, the endorsement shall prevail.

® 2018. Informational content provided by The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved. This document is intended for information purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to your policy’s coverage form. The Hartford Steam Boiler Inspection and Insurance Company is a reinsurance partner of Alfa Insurance®. 

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