Service Details

Appliance protection

Appliance coverage is for mechanical or electrical failure caused by normal use. The item must be in the home, listed on the schedule, and in proper working order on the start date of the plan.

Often listed items

• Refrigerator and ice maker built into that unit
• Range, cooktop, and wall oven
• Dishwasher and built-in microwave
• Garbage disposal on kitchen plans

Cosmetic damage, food loss, and accessories that are not required for the appliance to run are outside the plan. If a unit is already broken when coverage starts, that failure is pre-existing and is not eligible.

Heating and cooling systems

Central heating and cooling equipment can be covered when it is permanently installed and sized for the home. Window units and portable heaters are not part of the system schedule.

Request notes

• Tell us whether the system blows air, makes heat, or is silent
• Share the thermostat reading and any error code
• Confirm filters were changed on a normal schedule
• Coverage follows the limit printed for HVAC

Lack of maintenance, improper refrigerant handling by an unlisted person, and mismatched equipment installed after the plan started can be exclusions. The technician's diagnosis decides which of those apply.

Plumbing systems

Interior supply and drain lines, as well as listed fixtures that fail from normal use, can be requested under plumbing coverage. Stoppages are covered only when the plan says so and only within the home.

Usually reviewed

• Leaking supply lines inside walls or floors
• Drain stoppages within the covered distance
• Built-in fixtures named on the schedule
• Toilet tank and bowl mechanical failures

Septic systems, wells, sprinklers, and frozen pipes caused by vacant homes are common exclusions. Restoration of walls and floors after access may be limited to the patch described in the agreement.

Electrical systems

Electrical coverage looks at the panel, wiring, switches, and outlets that belong to the home. Failures must be operational, not upgrades the member wants for convenience.

Helpful details

• Which rooms lost power
• Whether a breaker trips immediately
• Any burning smell, after the home is safe
• Photos of the panel label if you have them

Code upgrades, aluminum wiring replacement programs, and solar equipment are not part of the standard electrical schedule.

Water heater coverage

Tank and tankless water heaters can be listed when they are the home's primary unit. Coverage applies to failures of the heater itself, not to every drop of water in the house.

Sediment from skipped flushing, installation that does not match the maker's instructions, and units already leaking on day one are reviewed as exclusions. Replacement, when authorized, is with a comparable unit up to the cash limit.

Kitchen package

The kitchen package bundles the appliances that share the cooking and cleaning work of the room. Each appliance still has its own limit and must be named.

Members send one email per item. A single visit may cover more than one appliance only when the plan allows combined diagnosis and each item is covered.

Laundry package

Washers and dryers are covered for mechanical and electrical breakdown. Venting cleaned as routine maintenance remains the member's job. Damage from overloading or foreign objects is not a covered failure.