Home Systems Protection does not cover damage caused by normal wear and tear that occurs due to old age. Other causes of loss not covered include rust, corrosion, deterioration, gradual loss of efficiency, leakage or seepage from connections or valves and cosmetic damage. Home Systems Protection specifically provides coverage for electrical and mechanical breakdowns. The standard homeowners policy already includes coverage for your personal property and home equipment if they are damaged by fire, lightning, theft, vandalism and certain other perils.