Does Homeowners Insurance Cover Boilers? 
Homeowners policies cover your `` dwelling '' and that would include any service equipment which is physically attached to the dwelling including boilers used to provide heat . Assuming you have a standard Homeowner Policy Form # 3 or its ' equivalent or better , the boiler would be covered for `` risk of direct loss '' unless specifically limited or excluded . You will find an exclusion for any loss `` caused by '' wear and tear , mechanical breakdown and such but note this exclusion does n't exclude any loss `` resulting from '' mechanical breakdown or wear and tear to your boiler . So I would conclude your homeowner 's policy should provide coverage for your boiler should it be damaged from some external cause and also for damage `` resulting from '' any internal cause . 