• What is Home Systems Protection? 
  • hsb-owned-mhw-kitchenHomeowners depend on the comfort, convenience and security their home system equipment provides. Most homeowners assume this equipment is protected by insurance, warranties or service contracts, but chances are they are not. 

    With Home Systems Protection coverage, you will be protected for a wide range of equipment, including loss of use and related spoilage damages. In addition to critical systems, such as central air conditioning units and electrical panels, Home Systems Protection coverage also includes personal property. 

    Want to know how much energy your home consumes and where you can make improvements? Need a safe, organized way to catalog your home assets, photos, personal documents and emergency contact information? As part of our Home Systems Protection coverage, we now offer access to MyHomeWorksTM, an easy-to-use, online suite of home management tools. There’s no cost; it’s a complimentary service for our Home Systems Protection insureds. Key features include:  

    • Insure My Property provides brief explanations of common home systems, equipment and underground utility line risks, tips to reduce them and examples of paid claims. 
    • My Energy Score calculates a home’s efficiency and potential energy cost savings and offers customized information for improving efficiency and lowering energy expenses. 
    • Inventory My Stuff is an easy way to organize photos, receipts and information to create an online catalog of a home’s assets and personal records stored safely “off-site” in case a crisis strikes. Also available as a mobile app for iOS and Android users. 
    • My Tech Support is our personal computing “help desk” for the home, providing technical expertise year-round. From devices and networks to parental controls, we support your entire digital domain. 
    • My Efficiency Center is a go-to resource for selecting, using and maintaining home systems for optimal efficiency. 
    • My Home Tour is a fun, interactive way to find energy and money saving opportunities in every room of the house. 
     
  • Loss Examples 

    An air conditioning compressor operating in an overheated condition for an extended period failed electrically and had to be replaced.
    Total Loss: $5,101.
     

    More Loss Examples 

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