Home insurance is a great way to offset expensive repair costs in case your home or personal property sustains damage. Your homeowners insurance policy also likely protects your home appliances from covered losses, but some policies won’t cover certain appliances, electrical systems, or types of property damage.

Even the most comprehensive homeowners policy has exclusions that can leave homeowners high and dry when it comes to perils like floods, earthquakes, and water backups, or other high risk factors

If you’re looking for full insurance protection for all of your belongings and home systems, you have options. Some insurers, including Mercury and State Farm, offer home systems protection to help cover repairs for “unexpected breakdowns” of some of your home’s most pertinent electrical systems

Whether you’re in the market for a new home insurance company or are simply seeking more protection, Insurify’s home insurance comparison tools can help you make sure you’re getting the coverage you need at the best cost.

What Your Home Insurance Coverage Includes

Standard homeowners insurance policies come with a few basic coverage options, including dwelling coverage, other structures coverage, personal liability coverage, medical payments coverage, and loss of use (or additional living expenses) protection. Each of these aspects of your home insurance policy includes protection for your home, belongings, and even your family members.

The combination of these coverage options protects items such as:

  • Roofing
  • Walls
  • Staircases
  • Built-in cabinets
  • Built-in appliances, like stoves
  • AC units
  • Water heaters
  • Garages
  • Personal belongings, like clothing
  • Technology, like TVs and computers

Homeowners insurance companies will pay policyholders to repair damages to these items as long as the damage was caused by a covered loss like natural disasters, theft, or vandalism

These policies don’t protect items like:

  • Swimming pools
  • Trampolines
  • Sump pumps
  • Plumbing
  • Expensive furs or jewelry

But just because an item isn’t covered doesn’t mean your policy won’t pay for damages those items cause. For example, your policy may cover water damage caused by a leaky pipe but won’t pay to repair plumbing since most of these damages could be prevented with regular maintenance.

On the other hand, even covered items are only protected from certain damages. So your microwave is covered if a fire leaves the appliance unusable, but if your microwave stops working due to natural wear and tear, you’ll have to cover the replacement cost out of pocket.

Additionally, if a flood, ground movement, sewer backup, or unexpected electrical or mechanical breakdowns render your items unusable, you’ll need add-ons like flood insurance and home systems protection in order for your insurer to cover the damages.

Home Systems Protection Coverage

Home systems protection is a type of endorsement (or add-on) that helps fill the gaps in your homeowners coverage. Specifically, home systems protection pays for sudden and accidental breakdowns of your home’s electrical and filtration systems.

Where standard home insurance will cover your home’s air conditioning if a natural disaster damages it, home systems protection helps pay to replace your air conditioning if it unexpectedly stops working.

Home systems protection covers items such as:

  • Central air and heating systems
  • Hot water heaters
  • Sump pumps
  • Refrigerators
  • Freezers
  • Dishwashers
  • Ovens
  • Clothing washers and dryers
  • Water purification systems
  • Water filtration systems
  • Home security systems and burglar alarms
  • Computers
  • Medical equipment
  • Swimming pool equipment
  • Generators

Adding a home systems endorsement to your home insurance policy will help ensure that if any of your electronics or appliances malfunction out of the blue, you won’t have to pay for the unanticipated replacements on your own.

Insurers will not issue home systems reimbursements for damages caused by natural wear and tear, rust, corrosion, or those which could have been prevented with normal maintenance. Home systems coverage also does not pay for upgrading appliances (unless they’ve suddenly experienced a mechanical or electrical breakdown). 

Home systems insurance costs, deductibles, and coverage limits differ between insurance providers. Still, these endorsements typically include up to $50,000 in coverage with a $500 deductible.

State Farm Additional Coverage Options

State Farm’s home systems protection endorsement is only one of the additional coverage options the insurer offers. For policyholders seeking complete protection for their home and belongings, check out these State Farm homeowners insurance add-ons:

  • Flood insurance
  • Earthquake insurance
  • Service line coverage
  • Sewer backup coverage
  • Identity fraud protection
  • Energy efficiency upgrade
  • Umbrella insurance
  • Full replacement cost coverage
  • Personal injury liability coverage

These endorsements come at an additional cost to your standard home insurance premium. Not every homeowner will need every additional coverage option, but each of these policies can help fill the gaps in your basic homeowners coverage, depending on your insurance needs. 

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Home Systems Protection FAQs

Does home systems protection cover normal wear and tear?

Home systems protection coverage typically covers accidental electrical and mechanical breakdowns but not damage caused by natural wear and tear. A home warranty may be a better option for policyholders with older homes and appliances.

How much does State Farm home systems protection cost?

State Farm doesn’t include pricing on its website, so homeowners will need to contact a State Farm home insurance agent for specific information on the company’s home systems protection endorsement.

Does State Farm home system protection cover older appliances?

The age and condition of your appliances may affect the coverage they are eligible for. Talk to your local agent about your policy’s exclusions before you need to file an insurance claim.

State Farm Home Systems Protection: The Bottom Line

Your home insurance policy helps protect your home and family, but most homeowners need more than just standard coverage to keep their property completely safe. State Farm home systems protection adds an extra layer of protection for policyholders who don’t want to be left paying for expensive appliance repairs if their home systems randomly stop working. Talk to a local agent for more information on whether State Farm home systems protection coverage is right for you.

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Updated June 7, 2021

Jacklyn Walters is a freelance writer for Insurify. Jacklyn has a background in journalism and is passionate about informing and serving others through writing. In her spare time, Jacklyn enjoys running, practicing yoga, and writing music.