Which of the following causes of loss would not be covered by the Equipment Breakdown coverage part?

The correct choice pertains to a scenario where a fire caused a furnace to stop operating. Equipment Breakdown coverage is specifically designed to cover losses resulting from mechanical breakdowns, electrical failures, and similar incidents. However, when a fire causes a piece of equipment to fail, the loss typically falls under property insurance coverage rather than equipment breakdown. Fire incidents are often included in a standard property policy, which may cover damage to the property itself rather than the equipment breakdown specifically.

In contrast, situations like a power surge, a steam pipe failure, or an electrical failure directly relate to the mechanical or electrical function of equipment, making them eligible for coverage under the Equipment Breakdown policy. Thus, these types of failures align with the core intent of the Equipment Breakdown insurance to address issues that directly impact the operation of machinery or equipment.