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Residential Equipment Breakdown FAQs

Residential Equipment Breakdown Coverage Questions:
What does the coverage include?
How much does the coverage cost?

Are there any limits?
What are some examples of personal property that would be covered?
Does my policy qualify for this coverage?
Can I get this coverage for my farm/ranch or my farm structures and personal property?

Can older homes add this coverage, or do my home and/or appliances have to be new?

What is Covered?
Is a lightning strike covered?

What personal property is covered under the Residential Equipment Breakdown Coverage?
Does this cover fuse box and wiring from power surge?
Is there any coverage for wear and tear?
Is failure of an electronic panel in a furnace covered?
If my air conditioner breaks down, is it covered?
If the fan motor stops working on my furnace and needs to be replaced, would this be covered?
If I get a computer virus and it crashes my hard drive, is it covered?
Would mice chewing wires be covered?
If my sump pump malfunctions and causes water damage will this coverage cover it?
If my washing machine just breaks and needs to be repaired but not replaced would the repair be covered?

General Questions:
How can I get the coverage on my qualifying policy?
I don’t have a username and password on www.FBFS.com. How do I register an account?
I already have a registered account on www.FBFS.com. How do I purchase Residential Equipment Breakdown coverage on the Web site?
How do I know the coverage has been added to my policy?
Who should I call with questions about my coverage under the Residential Breakdown Coverage?

What does the coverage include?
Residential Equipment Breakdown Coverage protects the home systems you depend on most, in the event of:
• Mechanical or electrical breakdown
• Artificially generated electrical current, which complements the coverage in the base policy
• Rupture, bursting, bulging, implosion or steam explosion

How much does the coverage cost?
With Residential Equipment Breakdown Coverage, you pay only $2 a month, or $24 per year, per dwelling to be protected.

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Are there any limits?
Yes, coverage is limited to $50,000 per occurrence.

In the event of a covered loss, Residential Equipment Breakdown Coverage provides:
• An additional 25% of the cost to replace equipment to upgrade the equipment to more efficient, environmentally friendly equipment.
• Up to $50,000 coverage with a $500 deductible per occurrence, no matter how many covered possessions are involved.
• Up to $2,500 for temporary repair of and expediting the repair of damaged equipment.
• Up to $2,500 for loss of perishable goods due to spoilage resulting from the lack of power, light, heat, steam or refrigeration caused by an equipment breakdown to covered property, which complements the coverage available in the base policy.
• Up to $2,500 for pollutant clean-up and removal.

What personal property is covered under the Residential Equipment Breakdown Coverage?
Residential Equipment Breakdown Coverage includes all home systems, electronics and appliances.

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What are some examples of personal property that would be covered?
Home Systems  
Heating System
Air Conditioning System
Home Security System
Swimming Pool Equipment
Water Heater
Sump Pump

Electronics         
Televisions
DVD Players
CD Players
Stereos
Computers/Laptops
Digital Camera
Cell Phone
Garage Door Opener

Appliances   
Refrigerator
Stove/Electric Range
Dishwasher
Washing Machine
Dryer
Garbage Disposal                

Does my policy qualify for this coverage?
An owner occupied dwelling that is written in Members Choice will qualify. A rental property is not owner occupied and will not qualify. A seasonal or secondary dwelling may qualify if it is classified as owner-occupied. Coverage must be purchased for each dwelling separately, so a seasonal or secondary is an additional charge. If you add coverage to a seasonal or secondary, the coverage will apply even when you are not occupying the home.

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Can I get this coverage for my farm/ranch or my farm structures and farm personal property?
Only if you have a commercial agricultural risk insured through our AgMax program. Equipment Breakdown for farming and ranching property is currently available through AgMax -- our commercial ag product. Contact your Farm Bureau agent for details. Coverage may be purchased on a Member’s Choice policy that covers your farm/ranch and it will protect all of your home equipment as mentioned above. However, under the Members Choice personal insurance policy, coverage only extends to owner occupied dwellings and contents, so farm structures and farm personal property would not be covered.

Can older homes add this coverage, or do my home and/or appliances have to be new?
As long as your dwelling qualifies for Farm Bureau Member’s Choice Coverage, Residential Equipment Breakdown Coverage can be applied to it. There is no age limit on working appliances, so if your home qualifies, and your appliances work, they can be covered.

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What is Covered?

Is a lightning strike covered?
A lightning strike would likely be covered under your Member's Choice policy, regardless of whether you purchase Residential Equipment Breakdown.

Does this cover fuse box and wiring from power surge?
Yes, this would be covered if the cause of loss is from electrical or mechanical breakdown.

Is there any coverage for wear and tear?
Wear and tear by itself, is not covered. But, if wear and tear leads to a breakdown, coverage is available under Residential Equipment Breakdown. Here are two examples:

1. If a connecting rod in a compressor breaks because of fatigue caused by normal wear and team, there is coverage under Residential Equipment Breakdown.

2. If insulation on wires dry out, crack or deteriorate, Residential Equipment Breakdown will not pay for the insulation, but if the wires arc and cause electrical damage, there is coverage under Residential Equipment Breakdown.

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Is failure of an electronic panel in a furnace covered?
Yes, this would be covered if the cause of loss is from electrical or mechanical breakdown.

If my air conditioner breaks down, is it covered?
Yes, this would be covered if the cause of loss is from electrical or mechanical breakdown. Additionally, the "Loss of Use" coverage included in Residential Equipment Breakdown may cover a hotel stay during the time the air conditioning unit is being repaired or replaced.

If the fan motor stops working on my furnace and needs to be replaced, would this be covered?
If the fan stops working due to an electrical or mechanical breakdown, then the loss would be covered provided the cost to repair or replace the fan is more than the deductible of $500.

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If I get a computer virus and it crashes my hard drive, is it covered?
No, computer viruses are not covered, but if the hard drive crashes due to electrical or mechanical breakdown, it is covered.

Would mice chewing wires be covered?
No, a mouse chewing on a wire is not a loss caused by mechanical or electrical breakdown. A chewed wire in itself would not be covered, however a chewed wire could be the initiating event, leading to electricity flowing where it was not intended causing physical damage. This is often referred to as electrical arcing, which would be a covered event.

If my sump pump malfunctions and causes water damage will this option cover it?
If the sump pump malfunctions due to mechanical breakdown or artificially generated electricity, the sump pump is covered minus the $500 deductible. Other items damaged by the water such as furniture, would not be covered under Residential Equipment Breakdown.

If my washing machine just breaks and needs to be repaired but not replaced would the repair be covered?
If the washing machine breakdown is due to electrical or mechanical breakdown, the repairs will be covered if they exceed the Residential Equipment Breakdown deductible of $500. However, if repairs are more expensive than replacement, replacement would be covered.

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General Questions:

How can I get the coverage on my qualifying policy?
There are two convenient ways to add the coverage:

1. Call your agent and they can add the coverage to your policy, or

2. You can go to www.FBFS.com and sign up online. If you choose this option, you will need to:
• Enter your username and password to gain access to the secured policy owner section of the Web site (called My Account Page).
• The option to purchase the coverage will appear on the left-hand side of the My Account Page.
• Click on the “New Coverage” link and you’ll go to a page that provides more details about the coverage if you’d like more information. On the right side of that page is a link to the option to purchase the coverage. If you click the link, you’ll be asked to confirm your request. If you click “Yes,” the coverage will be added.
• It can take up to two business days for the coverage to appear on your policy. At that time, you will be mailed an updated declaration page reflecting the addition of the coverage on your policy.

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I don’t have a username and password on www.FBFS.com. How do I register an account?
• Go to www.FBFS.com and click on "Account Registration" on the home page of the site.

• Complete the form and establish your user ID and password. Make sure you use information for the owner / first named insured when filling out the form.

• Wait for an e-mail with a 4-digit activation code. You should receive the code via e-mail within a couple minutes.

• Enter your 4-digit activation code. This will allow you to view your policy(s).

• At that point, if you have a qualifying policy, the option to purchase or learn more about the coverage will appear on the left side of the page.

Note: If you have difficulty signing up for Residential Equipment Breakdown Coverage, please call an FBFS.com customer service representative at 1-800-814-5570 M – F 8:00 a.m. – 4:30 p.m.

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I already have a registered account on www.FBFS.com. How do I purchase Residential Equipment Breakdown Coverage on the Web site?
• Enter your username and password to gain access to the secured policy owner section of the Web site (called My Account Page).
• The option to purchase the coverage will appear on the left-hand side of the My Account Page.
• Click on the “New Coverage” link and you’ll go to a page that provides more details about the coverage if you’d like more information. On the right side of that page is a link to the option to purchase the coverage. If you click the link, you’ll be asked to confirm your request. If you click “Yes,” the coverage will be added.
• It can take up to two business days for the coverage to appear on your policy. At that time, you will be mailed an updated declaration page reflecting the addition of the coverage on your policy.

Note: If you have difficulty signing up for your Residential Equipment Breakdown Coverage, please call an FBFS.com customer service representative at 1-800-814-5570 M – F 8:00 a.m. – 4:30 p.m.

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How do I know the coverage has been added to my policy?
You will be mailed an updated declaration page reflecting the addition of the coverage on your policy.

Who should I call with questions about my coverage under the Residential Equipment Breakdown Coverage?
You may call your Farm Bureau agent or you may contact a Farm Bureau Member’s Choice customer service representative at 1-866-399-3237 M – F 7:00 a.m. – 7:00 p.m. or Sat. 8:00 a.m. - 1:00 p.m. Central.

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