Home Appliance and Electronics Breakdown Winter 2009 Issue

 
Any and all property that would be covered under your Homeowners policy would now be covered if it "breaks down," including your HD or Plasma TV, desktop or laptop computer, kitchen appliances, and much, much more

While visiting relatives for the holidays, your refrigerator's compressor shorts out, causing an electrical breakdown. Ten days later, you return to a dead refrigerator full of perishable food that is now spoiled. Potential cost to you: $1,800 or more. And, unfortunately, this is a type of loss most standard Home policies exclude.

The costs you face include: repairing or replacing the refrigerator; additional expenses for dining out while you wait for the repair person and/or parts or a new refrigerator to arrive; and replacing the perishable food that spoiled. Could you afford this expense?

CIG's NEW Home Appliance and Electronics Breakdown Endorsement expands your Homeowners protection to protect against this type of loss. For only a $27.00 annual premium per policy you receive up to $50,000 coverage for mechanical, electrical, or pressure systems breakdown.

Any and all property that would be covered under your Homeowners policy would now be covered if it "breaks down," including your:

  • HD or Plasma TV,
  • Air-conditioning system,
  • Water heater,
  • Desktop or laptop computer,
  • Kitchen appliances,
  • Home security/sound systems, and
  • Much, much more...

We also include additional living expenses, additional $3,000 coverage to pay for expediting expenses, pollution cleanup, or the spoilage of perishable goods. We even include an additional $3,000 for you to upgrade your damaged or destroyed property with a certified "green" repair or replacement. All of this is included within your $50,000 limit of liability.

To add this exceptional protection to your policy, call your professional CIG Insurance Advisor and ask for our new Home Appliance and Electronics Breakdown Coverage. It's available to our policy clients who insure their home under our Homeowners Policy HO-3 with CAL/NEV-Pak, or our Homeowners Policy HO-5. (Not available for Condo or Renter Policies at this time.)

We cannot prevent the inconvenience, but we can limit your expense and get your life back to normal. Don't leave your home without CIG’s equipment protection.