|
| Premium Amount | - | $405.00 $33.75 | $499.92 $41.66 | $405.00 $33.75 | $40.00 - $100.00 | |
| Service Call Fee | - | $65.00 $65.00 | $65.00 $65.00 | $65.00 $65.00 | - | |
| Term, Month | - | 12 1 | 12 1 | 12 1 | 12 | |
|
| Coverage | $200.00 - $1,500.00 | | | | | |
|
| Air conditioner | - | | | | $80.00 | |
Covered by AHG
- Motor.
- Compressor.
- Condenser.
- Thermostat.
- AHG is obliged to cover the primary floor air conditioning unit of the covered home only, provided that the air conditioning unit does not exceed a five (5) ton limit.
Not Covered by AHG
- Filters.
- Condenser casings.
- Air filtration systems.
- Flues.
- Registers and grills.
- Condenser casings.
- Water towers.
- Refrigerant recapture.
- Gas or propane air condition systems.
- Improper wiring.
- Iimproper piping condensation leaks.
- Geothermal systems.
- Humidifiers.
- Chillers.
- Electronic air cleaners.
- Window units.
- Non-ducted wall units.
- Damage caused by refrigerant leak.
- Damaged ducts.
- Mini-split wall units.
- Gas air conditioning systems.
- Water evaporative coolers.
- Swamp coolers.
- Refrigerant leaks.
- Condensate pumps.
- Thermal expansion valves.
- All exterior condensing, cooling and pump pads.
- Roof mounts, jacks, stands or supports.
- Cost for crane rentals.
- Electronic, computerized, and manual systems management and zone controllers.
- Commercial grade equipment.
- Refrigerant conversion.
- Leak detections.
- Water leaks.
- Drain line stoppages or drain pans.
- Clogged lines.
- Maintenance.
- Noise without a related mechanical failure.
- Improperly sized units.
- Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications.
- Improper use of metering devices (i.e. thermal expansion valves).
- AHG is not responsible for the costs associated with matching dimensions, brand or color made.
- AHG will not pay for any modifications or upgrades necessitated by the repair of existing equipment or the installation of new equipment.
- AHG shall not be obliged under any circumstances to cover window, wall or zone systems or portable air conditioning units.
|
| Ceiling fan | $200.00 | | | | - | |
Covered by AHG
- All modules, components and parts of the ceiling fan affixed in the covered home necessary to its functionality.
Not Covered by AHG
- Fan blades.
- Belts.
- Shutters.
- Filters.
- Lighting.
- Wiring.
- Misuse.
- Neglect.
- Improper installations.
- Previous repairs.
- Discontinued models.
|
| Dishwasher | $500.00 | | | | - | |
Covered by AHG
- ll modules, components and parts of the dishwasher important to the functionality of the dishwasher.
Not Covered by AHG
- Soap dispensers.
- Doors.
- Door seals.
- Hinges.
- Handles.
- Glass.
- Knobs.
- Obstructed channels.
- Flush guides.
- Latches.
- Racks, trays, and baskets.
- Framing and trim.
- Rollers.
- Damage caused by broken glass.
- Maintenance and cleaning.
- Commercial units.
- Portable units.
- Touch screen displays.
- Buttons.
- Wiring.
- Wireless use.
- Cosmetics/appearance.
- Clogged drains.
- Restorative issues or variations from the norm.
- Components identifying with establishment/mounting.
|
| Disposal | $200.00 | | | | - | |
Covered by AHG
- All modules, components and parts of the garbage disposal important to the functionality of the garbage disposal.
Not Covered by AHG
- Failures and/or jams caused by bones, eggshells.
- Spines.
- Trash compactor.
- Components identifying with establishment/mounting.
- Rings.
- Glass, or foreign objects other than food.
|
| Dryer | $500.00 | | | | - | |
Covered by AHG
- All modules, components and parts of the clothes washer and clothes dryer important to the functionality of the clothes washer and clothes dryer
Not Covered by AHG
- Soap dispensers.
- Containers.
- Removable minitubs.
- Filter screens.
- Knobs and dials.
- Obstructed channels.
- Flush guides.
- Latches.
- Racks.
- Trays.
- Baskets.
- Framing and trim.
- Rollers.
- Damage caused by broken glass.
- Maintenance and cleaning.
- Commercial units.
- Portable units.
- Touch screen displays.
- Buttons.
- Wiring.
- Wireless use.
- Cosmetics/appearance.
- Clogged drains.
- Restorative issues or variations from the norm.
- Components identifying with establishment/mounting. door seals and hinges.
- Glass.
- Leveling and balancing.
- Damage to clothing.
- Commercial units.
- Noise without a related mechanical failure.
- Conditions of water flow restriction due to scale, rust, minerals and other deposits.
- Venting.
- Lint screens.
- Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
|
| Ductwork | $200.00 | | | | - | |
Covered by AHG
- All ducts from heating and/or cooling unit to the point of attachment at registers or grills
Not Covered by AHG
- Registers and grills.
- Insulation.
- Insulated ductwork.
- Asbestos.
- Vents, flues and breaching.
- Ductwork exposed to outside elements.
- Improperly sized ductwork.
- Separation due to settlement and/or lack of support.
- Damper motors.
- Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment.
- AHG will provide access to ductwork through unobstructed walls, ceilings or floors, only, and will not return the access opening to its original condition.
- Original Condition is defined to include hanging of drywall, patching of drywall, stucco, lath, supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
- AHG will not be responsible for payment of the cost to remove and replace any built-in appliances, cabinets, floor coverings or other obstructions impeding access to walls, ceilings, and/or floors.
- AHG will not provide access to concrete covered, embedded, encased, or otherwise inaccessible ductwork
|
| Electrical | $500.00 | | | | - | |
Covered by AHG
- Junction boxes.
- Service panels.
- Breakers sub-panels.
- Switches.
- Breakers.
- Outlets.
- Wiring.
- Ground fault interrupters
Not Covered by AHG
- Bathroom exhaust fans.
- Direct current (DC) wiring and systems.
- Exterior wiring and components (except main panels mounted to exterior wall).
- Any wiring or components servicing a detached structure.
- Fire, carbon monoxide alarm and/or detection systems.
- Batteries.
- Intercom or speaker systems.
- Doorbells.
- Multi-media systems.
- Lighting fixtures.
- Load control devices.
- Attic fans.
- Low voltage systems including wiring and relays.
- Service entrance cables.
- Telephone systems.
- Telephone wiring.
- Cable wiring.
- Alarm and/or security systems and wiring.
- Timers.
- Touch pad assemblies.
- Transmitters and remotes.
- Utility meter base pans.
- Solar power systems and panels.
- All solar components and parts.
- Energy management systems.
- Commercial grade equipment.
- Auxiliary or sub-panels.
- Broken and/or severed wires.
- Rerunning of new wiring for broken wires.
- Wire tracing.
- Wire central vacuum systems.
- Failures and conditions caused by inadequate wiring capacity, flood, fire, water, circuit overload, power failure/shortage or surge, and corrosion are not covered.
|
| Garage door | $200.00 | | | | - | |
Covered by AHG
- Control board.
- Motors.
- Chains.
- Belts.
- Gears.
- Pulley.
- Sheave fork.
- Axle bolts.
- Switches.
Not Covered by AHG
- Garage doors; hinges; springs; sensors; chains; travelers; door track assemblies; rollers; lights; remote receiving and/or transmitting devices.
|
| Heating system | $1,500.00 | | | | $80.00 | |
Covered by AHG
- All module, components and parts of the heating framework important to the functionality of the heating framework.
- The primary heating arrangement of the secured home, provided that the heating framework does not surpass a five (5) ton limit.
Not Covered by AHG
- Chimneys, flues, and liners.
- Warmth lights.
- Wiring.
- Air cleaners.
- Obstructed lines.
- Pipes.
- Heat exchanger.
- Timekeepers and clocks.
- Curls.
- Pipe perplexes.
- Humidifiers.
- Channeling; geothermal heating/cooling units.
- Fire box.
- Valves.
- Water funneling.
- Damper engines.
- Cleaning and re-lighting of pilots.
- Concrete encased or inaccessible ductwork.
- Concrete encased or inaccessible steam or radiant heating coils or lines.
- Conditions of water flow restriction due to scale, rust, minerals and other deposits.
- Maintenance and cleaning.
- Calcium build-up.
- Evaporator coil pan.
- Primary or secondary drain pans.
- Fossil and dual fuel control systems and other energy management systems and controls.
- Dampers.
- Asbestos insulated ductwork or piping.
- Baseboard heat.
- Filters (including electronic/electrostatic and de-ionizing filter systems).
- Fireplaces and their respective components and gas lines.
- Free-standing or portable heating units.
- Heat lamps.
- Pellet stoves.
- Fuel storage tanks, lines, and filters.
- Gas log systems, including gas feed lines.
- Valves.
- Key valves.
- Oil filters, nozzles, or strainers.
- Humidifiers.
- Inaccessible water/steam lines leading to or from system.
- Backflow preventers.
- Individual space heaters.
- Panels and/or cabinetry.
- Radiant heating systems built into walls, floors or ceilings.
- Registers and grills.
- Secondary units.
- Solar heating devices and components.
- Maintenance.
- Noise without a related mechanical failure.
- Improperly sized heating systems.
- Mismatched systems; and structural components.
|
| Microwave | $500.00 | | | | - | |
Covered by AHG
- All modules, components and parts of the built-in microwave important to the functionality of the built-in microwave.
Not Covered by AHG
- Doors.
- Hinges.
- Handles.
- Glass.
- Knobs.
- Lights.
- Clocks.
- Restorative issues or variations from the norm.
- Meat probe assemblies, rotisseries.
- Racks and trays.
- Interior linings.
- Arcing.
- Portable or counter top unit.
- Components identifying with establishment/mounting.
- Cosmetic damage or appearance.
|
| Oven | $500.00 | | | | - | |
Covered by AHG
- All modules, components and parts of the gas or electric oven, range and stove top important to the functionality of the oven, range and/or stove top.
Not Covered by AHG
- Doors
- Door seals.
- Burner bowls and covers.
- Hinges.
- Range hood.
- Prtable units.
- Handles.
- Glass
- Knobs.
- Lighting.
- Clocks.
- Frying pans.
- Meat probe assemblies, rotisseries.
- Racks and trays.
- Downdrafts.
- Nonessential issues or variations from the norm.
- Independent telescoping range exhaust.
- Exhaust fan not solely for venting range/cooktop fumes.
- Filters and screens.
- Venting.
- Sensiheat burners will only be replaced with standard burners.
- Drip pans.
- Self-cleaning mechanisms including door latches.
- Commercial units.
- Pilot.
- Electrical displays.
- Touch screen displays.
- Buttons.
- Wiring.
- Wireless use.
- Cosmetics/appearance.
|
| Plumbing | $500.00 | | | | $70.00 | |
Covered by AHG
- Line leaks in the water, drain, waste or vent lines not brought about by harm coming about because of solidifying or from roots.
- Toilet bowls.
- Toilet tanks.
- Toilet flushing mechanisms.
- Angle stops.
- Risers.
- Stoppages in drain, vent and sewer lines up to 100 feet from access point, with the exception of if created by roots or freezing.
- Mainline stoppages are just cleared when there is an available ground level clean out.
Not Covered by AHG
- All plumbing in or under the ground, foundation or slab.
- All piping and plumbing outside of the perimeter of the foundation.
- Cartridge.
- Plumbing components identifying with hose tuckers.
- Lacking or unreasonable water weight; any piping or plumbing in a detached structure.
- Stoppage of concrete encased lines.
- Access to empty or sewer lines out of the vent or evacuation of the water storage room.
- Water conditioners.
- Tub and shower valves; any fees for locating, accessing or installing cleanouts.
- Pumps.
- Jetting.
- Lead channel lines/funnels.
- Removal of water closets/toilets in order to clear stoppages, any fees for photo/video equipment, hydro-jetting equipment.
- Jet or steam clearing.
- Chemicals.
- Stoppages caused by root invasion.
- Stoppages caused by foreign objects, such as but not limited to, sanitary wipes, toys, bottle caps, etc.
- Bath tubs.
- Tub and shower base skillet.
- Spigot.
- Toilet lids and seats.
- Sinks.
- Cracked porcelain.
- Basket and strainers.
- Pop-up assemblies.
- Glass.
- Bidets.
- Electronic toilets/bidets.
- Caulking or grout.
- Color or purity of the water in the system.
- Concrete encased plumbing.
- Conditions of insufficient or excessive water pressure.
- Conditions of water flow restriction due to scale, rust, sediment, and other deposits.
- Exterior hose bibs.
- Faucets and fixtures.
- Water softeners.
- Freeze damage.
- Holding and pressure tanks.
- Jet pumps.
- Laundry tubs.
- Lawn sprinkler systems.
- Saunas and/or steam systems.
- Polybutylene or quest piping; galvanized drain lines.
- Drum traps.
- Flange.
- Repair and finish of any floors where it is necessary to break through to effect repairs.
- Septic tanks and systems in or outside of the home.
- Sewage ejector pumps.
- Sewer and water laterals.
- Shower enclosures and base pans.
- Expenses to find, get to or introduce a ground level get out.
- Repair and finish of any walls or ceilings where it is necessary to break through to effect repair is this includes hanging of drywall, patching of drywall, stucco, and lath. supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
|
| Refrigerator | $500.00 | | | | $40.00 | |
Covered by AHG
- All modules, components and parts of the refrigerator important to the functionality of the cooler.
Not Covered by AHG
- Racks.
- Shelves.
- Glass.
- Freezer parts and components which are not vital to the cooler unit as a whole.
- Lighting.
- Handles.
- Doors.
- Door seals, hinges, and gaskets.
- Freon.
- Disposal and recapture of Freon.
- Ice makers, ice crushers, beverage dispensers and their respective equipment.
- Water lines and valve to ice maker; sealed framework; line restrictions.
- Leaks of any kind.
- Maintenance.
- Interior thermal shells.
- Freezers which are not an integral part of the refrigerator.
- Damage brought about by refrigerant release.
- Wine chillers or mini refrigerators.
- Food spoilage.
- Noise without a related mechanical failure.
- Multi-media centers and internet connection components.
|
| Washer | $500.00 | | | | - | |
Covered by AHG
- All modules, components and parts of the clothes washer and clothes dryer important to the functionality of the clothes washer and clothes dryer
Not Covered by AHG
- Soap dispensers.
- Containers.
- Removable minitubs.
- Filter screens.
- Knobs and dials.
- Obstructed channels.
- Flush guides.
- Latches.
- Racks.
- Trays.
- Baskets.
- Framing and trim.
- Rollers.
- Damage caused by broken glass.
- Maintenance and cleaning.
- Commercial units.
- Portable units.
- Touch screen displays.
- Buttons.
- Wiring.
- Wireless use.
- Cosmetics/appearance.
- Clogged drains.
- Restorative issues or variations from the norm.
- Components identifying with establishment/mounting. door seals and hinges.
- Glass.
- Leveling and balancing.
- Damage to clothing.
- Commercial units.
- Noise without a related mechanical failure.
- Conditions of water flow restriction due to scale, rust, minerals and other deposits.
- Venting.
- Lint screens.
- Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
|
| Water heater | $500.00 | | | | $60.00 | |
Covered by AHG
- All modules, components and parts of the water warmer important to the functionality of the water heater.
Not Covered by AHG
- Auxiliary and secondary holding/storage tanks.
- Main, holding or storage tanks.
- Expansion tanks.
- Base pans.
- Drain pans and drain lines.
- Pumps.
- Pressure reducing valve, weight diminishing valve.
- Sediment build-up, rust and corrosion.
- Color or purity of water.
- Flues.
- Leaks, vent pipes/lines.
- Insulation and insulation blankets.
- Heat recovery units.
- Deplete funneling.
- Tankless hot water heaters.
- Low boy and/or squat water heaters.
- Solar water heaters including all solar components and parts.
- Any noise without a related mechanical failure.
- Racks.
- Straps.
- Timers.
- Energy management systems.
- Commercial grade equipment and units exceeding 50 gallons.
- Failure brought about by leaks.
|
| Pool | $250.00 | - | - | - | $100.00 | |
Covered by AHG
- Pumping system.
- Heating sytem.
- Filtration system.
Not Covered by AHG
- Portable or above ground spas.
- Access to pool and spa equipment.
- Lights.
- Liners and tile.
- Jets.
- Ornamental fountains, waterfalls and their pumping systems.
- Auxiliary pumps.
- Pool cover and related equipment.
- Fill line and fill valves.
- Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
- Fuel storage tanks.
- Disposable filtration mediums.
- Heat pump.
- Heaters.
- Multi-media centers.
- Dehumidifiers.
- Salt water generators and components.
- Salt water systems.
- Cracked or corroded filter casings.
- Grids.
- Cartridges.
- Maintenance.
- Structural defects.
- Solar equipment and components.
- Pool sweep motor and pump.
- Pump motor.
- Blower motor and timer.
- Filter.
- Filter timer.
- Gaskets.
- Timer.
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
- Relays and switches.
- Above ground plumbing pipes and wiring,
|
| Spa | $250.00 | - | - | - | $100.00 | |
Covered by AHG
- Pumping system.
- Heating sytem.
- Filtration system.
Not Covered by AHG
- Portable or above ground spas.
- Access to pool and spa equipment.
- Lights.
- Liners and tile.
- Jets.
- Ornamental fountains, waterfalls and their pumping systems.
- Auxiliary pumps.
- Pool cover and related equipment.
- Fill line and fill valves.
- Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
- Fuel storage tanks.
- Disposable filtration mediums.
- Heat pump.
- Heaters.
- Multi-media centers.
- Dehumidifiers.
- Salt water generators and components.
- Salt water systems.
- Cracked or corroded filter casings.
- Grids.
- Cartridges.
- Maintenance.
- Structural defects.
- Solar equipment and components.
- Pool sweep motor and pump.
- Pump motor.
- Blower motor and timer.
- Filter.
- Filter timer.
- Gaskets.
- Timer.
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
- Relays and switches.
- Above ground plumbing pipes and wiring,
|
| Septic | $200.00 | - | - | - | $70.00 | |
Covered by AHG
- Aerobic pump.
- Sewage ejector.
- Jet pump.
- Septic tank
Not Covered by AHG
- Broken or collapsed sewer lines.
- Pumping.
- Tile fields.
- Leach beds.
- Leach lines.
- Lateral lines.
- Tanks.
- Insufficient capacity.
- Seepage pits.
- Cesspools and sewage ejector pumps not associated with the septic system.
- AHG does not cover the cost associated with locating or gaining access to the septic tank or sewer hook-ups nor do we cover the cost of installing cleanouts or hook ups if they do not already exist.
- Disposal of waste.
- Pumping.
- Chemical treatments of the septic tank or sewer lines, stoppages caused by root invasion and/or stoppages caused by foreign objects, such as but not limited to, toys and bottle caps.
|
| Well pump | $200.00 | - | - | - | $60.00 | |
Covered by AHG
- All components of well pump, provided the well is the primary water source to the covered home.
Not Covered by AHG
- Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing.
- Holding or storage tanks.
- Digging.
- Locating pump.
- Pump retrieval.
- Redrilling of wells.
- Well casings.
- Pressure tanks.
- Pressure switches and gauges.
- Check valve.
- Relief valve.
- Drop pipe.
- Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump.
- Booster pumps.
- Well pump and all well pump components for geothermal and/or water source heat pumps.
|
| Sump pump | $200.00 | - | - | - | $40.00 | |
Covered by AHG
- All mechanical components of sump pump for ground water, provided the pump is within the foundation of the covered home.
Not Covered by AHG
- Any unit located outside the covered property and/or within crawl spaces.
- Back-up power assemblies.
- Portable or non-hard piped installed units.
- Sewerage ejector pumps.
- Backflow preventers.
- Check valves.
- Piping modifications for new installs.
|
| Vacuum | - | - | - | - | $40.00 | |
|
| Roof leaks | $200.00 | - | - | - | - | |
Covered by AHG
- This shall only apply in cases where roof leak repairs over active area of single family homes only. AHG is obliged to cover the roof leaks only.
Not Covered by AHG
- Leaks related to patios.
- Porches.
- Decks.
- Metal roofs.
- Foam roofs.
- Garages.
- Guest houses.
- Pool cabanas.
- Gazebos.
- Shingles.
- Cemwood shakes.
- Cracked and/or missing material.
- Tiles.
- Tar and gravel.
- Flat or built-up roofs.
- Structural leaks.
- Asphalt.
- Gutters.
- Downspouts.
- Skylights.
- Flashing.
- Patio covers.
- Solar components.
- Attic vents.
- Roof jacks.
- Satellite components.
- Antennae.
- Chimney components.
- Partial roof replacement.
- Preventative maintenance.
- AHG will not be obliged to under any circumstances cover repairs requiring partial or complete replacement of roofs.
|
| Refrigerator ice maker | $200.00 | - | - | - | - | |
Covered by AHG
- All mechanical components that affect operation
Not Covered by AHG
- Free standing ice makers.
- Freon.
- Disposal and recapture of Freon.
- Dispensers.
- Ice crushers.
- Water lines and valve to ice maker.
- Line restrictions.
|
| Sprinkler | $200.00 | - | - | - | - | |
Covered by AHG
- All mechanical components that affect operation
Not Covered by AHG
- Hydraulic systems.
- Malfunctioning due to lack of water pressure.
- Digging of sprinkler lines.
- Water lines.
- Leak detections.
- Batteries.
- Drip irrigation systems.
- Damage due to freezing, pets, cars, or lawn care equipment.
- Sprinkler heads.
- Seasonal maintenance.
- Improper electrical current.
- Systems using water containing corrosive chemicals, electrolytes, sand, dirt, silt, rust or agents that otherwise attack and degrade plastics.
|
