Boiler & Machinery Insurance
Coverage for mechanical and electrical equipment breakdowns including HVAC systems, boilers, and electrical equipment.
Key Benefits
Covers sudden breakdown of mechanical systems
Includes HVAC, boilers, compressors, and electrical
Covers resulting damage from breakdown
Includes inspection and maintenance
Emergency repairs covered
Ideal For
Multi-unit buildings with shared systems
Properties with significant mechanical equipment
Older properties with aging systems
Commercial rental properties
Coverage Highlights
- •Boiler breakdown
- •HVAC system failure
- •Electrical system breakdown
- •Cooling system failure
- •Resulting water damage
Average Cost
$300-$1,500/year depending on systems
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Property insurance covers mechanical failure (it does not)
Maintenance is separate from insurance coverage (they overlap)
Only needed for old properties (applies to all ages)
Too expensive for standard rental (very affordable)
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