Until now, along with electrical breakdown, these losses were typically excluded under your homeowners policy. SafePoint Insurance is pleased to offer an alternative to home warranty plans. Whether you are a renter or a high-value homeowner, we have your equipment breakdown exposures covered. Equipment Breakdown Coverage is now available through your Homeowners Insurance Policy as a coverage enhancement, for only $50 dollars a year. Peace of mind at a relatively low cost is at your fingertips and only a phone call away.