Аdvertiser Disclosure

HMS National Review

This Homesure of America Home Warranty review is based on information collected from the company as well as customer reviews collected from multiple consumer reporting sites. ReviewhomeWarranties.com paid close attention to the company’s credibility, policy, terms and conditions, coverage, and pricing. Please read this review carefully before you sign a contract with HMS. It provides all of the necessary information that will help you make an educated decision about HMS Home Warranty.

Official website:
HMS National Reviews by Our Readers
Cast vote by clicking on either button above
Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • Clients report fair compensation
  • Low cancellation fee
  • Widely available in the U.S.
  • Multiple contractors available
  • Award winning company

  • Higher chance of payment delays
  • Unexpected fees reported
  • Delays in repairs reported
Not available through RHW
Click Here to View Alternatives
Covered Appliances and Systems
  • Icon
view more
Air conditioner
Covered by Basic Plan, Premier Plan (up to $1,500.00)
Heating system
Covered by Basic Plan, Premier Plan (up to $1,500.00)
Ductwork
Not covered
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered by Basic Plan, Premier Plan
Refrigerator
Covered by Basic Plan, Premier Plan (up to $3,000.00)
Refrigerator ice maker
Not covered
Free-standing ice maker
Not covered
Wine refrigerator
Not covered
Stand-alone freezer
Not covered
Microwave
Covered by Basic Plan, Premier Plan (up to $3,000.00)
Oven
Not covered
Dishwasher
Covered by Basic Plan, Premier Plan (up to $3,000.00)
Water dispenser
Not covered
Trash compactor
Covered by Basic Plan, Premier Plan (up to $3,000.00)
Disposal
Covered by Basic Plan, Premier Plan
Cooktop exhaust fan
Not covered
Ceiling fan
Covered by Basic Plan, Premier Plan
Attic fans
Covered by Basic Plan, Premier Plan
Bath exhaust fan
Not covered
Whole house fan
Covered by Basic Plan, Premier Plan
Washer
Covered by Basic Plan, Premier Plan (up to $3,000.00)
Dryer
Covered by Basic Plan, Premier Plan (up to $3,000.00)
Plumbing
Covered by Basic Plan, Premier Plan (up to $1,000.00)
Plumbing stoppages
Covered by Basic Plan, Premier Plan
Water heater
Covered by Basic Plan, Premier Plan
Water purification
Not covered
Water softener
Covered as optional
Well pump
Covered as optional
Toilet
Covered by Basic Plan, Premier Plan
Septic
Covered as optional (up to $1,000.00)
Sump pump
Covered by Basic Plan, Premier Plan
Septic tank pumping
Not covered
Outside sewer line
Covered as optional (up to $3,000.00)
Outside water line
Covered as optional (up to $2,000.00)
Electrical
Covered by Basic Plan, Premier Plan
Generator
Not covered
Garage door
Covered by Basic Plan, Premier Plan
Doorbell
Covered by Basic Plan, Premier Plan
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Covered as optional (up to $2,000.00)
Pool
Covered as optional (up to $1,000.00)
Spa
Covered as optional (up to $1,000.00)
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Not covered
our overall rating 65.00%
Updated for Jun 16, 2019
Facts and Figures
  • Effective in30 days
  • Hours 24/7
  • Cancellation$25
  • Premium $499 - $588
  • Deductible$100
  • Limits$1,000 - $3,000
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
Not available through RHW
Click Here to View Alternatives

Our Top-Rated Alternatives to HMS National

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Good selection of plans
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 3 First American Home Warranty
Editorial Rating 93.1
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Excellent BBB rating B+
  • Accredited by BBB
  • Low optional coverage costs
Editorial Notes

Established almost forty years ago, HMS Home Warranty is a veteran of the home warranty industry. It provides services all across the USA, including California, Texas, Ohio, New York, Virginia, and Florida. The company’s premiums range between $489 and $587, which is the industry’s average, and the deductible is $100, which is a bit above the average.

What customers like most about HMS Home Warranty is that the company’s representatives are easy to reach online and by phone, and an emergency response is available 24 hours a day, 7 days a week. Twenty-four percent of the customers praised the company’s good work, which is twice as much as the industry’s average.

Summary rating:
Value for money:
Awful
Not available through RHW
Click Here to View Alternatives
Trustworthiness

HMS Home Warranty was established in 1979, the same year as the other industry giant, TotalProtect Home Warranty. Since then, the company has been a successful provider of home warranty services for customers all over the United States, except Alaska and Hawaii. The company is headquartered in Fort Lauderdale, Florida.

Legal
Ownership
Cross Country Group, LLC; HMS National, Inc.
Established
1979
CEO
Beverly Dabreau, VP Customer Service
Registered in
Fort Lauderdale, FL
Address
1625 NW 136th Ave Bldg E # 200
Available states
All except: Alaska, Hawaii
Full list of states
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia
Type of company (private, public)
Private
Mediation and arbitration bodies
Disputes are resolved in Small Claims Court
Accessibility
How to contact
Main page >> Contact us
Online chat
No
Social media
-

Company sales representatives and customer support can be reached at https://www.hmsnational.com/contact-us. The HMS Home Warranty phone number is 1.800.247.3680.

Benchmarks
HMS National
Other companies
Company size
375
0
1,650
Annual revenue
$77,000,000
0
$1,276,000,000
Number of homeowners
No data
0
2,200,000
Number of BBB complaints closed within last 3 years
2,702
0
12,770
Traffic
221,000
0
383,900
Number of independent contractors
40,000
0
44,000
Reputation
BBB accreditation
B+ (Not Accredited)
Awards
Gold 2019 Stevie Award in the Sales Distinction of the Year category, Silver 2019 Stevie Award in the Front-Line Customer Service Professional of the Year category, Silver 2019 Stevie Award in the Best Use of Technology in the Customer Service category, Bronze 2019 Stevie Award in the Customer Service Complaints Team of the Year category, Bronze 2019 Stevie Award in the Business Development Achievement of the Year category

HMS Home Warranty BBB rating is B+, which is a very good index compared to many other companies in the industry. The company has received 2.2 out of 5 stars based on 239 customer reviews, which is comparable to such industry leaders as Select Home Warranty.

Trustworthiness Rating
4.3 / 5.0
Not available through RHW
Click Here to View Alternatives
Coverage

HMS Home Warranty offers a variety of plans for home sellers, home buyers, and existing homeowners. There are plans available for single-family homes, duplexes, townhouses, condos, and new home construction.

Home sellers may only purchase a basic plan either for a single-family home or for a condo/townhome. It includes all major home systems and appliances plus pest control services and extras.

Similar basic plans are available for home buyers as well. Premier plans, however, are available to home buyers only. In addition to the basic plan coverage, the premier plan includes the Premier Upgrade Package and a homeowner’s insurance deductible reimbursement.

The Premier Upgrade Package provides home buyers with extra coverage for items excluded under any home warranty. Some examples include, but are not limited to: fees required for permits mandated by federal or local government, upgrades as required when replacing heating or air systems, and non-covered items associated with a covered claim.  

Additionally, HMS Home Warranty offers home buyers optional coverage for items such as additional central air conditioning or water heater units, refrigerators, pool and spa, well pump system, and more. Each item is priced separately.

Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Premium Amount
$588.00
$499.00
$45.00 - $205.00
 
Coverage
$1,000.00 - $3,000.00
78%
78%
14%
Coverage details
Air conditioner
$1,500.00
Details
Covered by HN
  • Mechanical parts and components of two (2) centrally ducted air conditioning systems, heat pump system or evaporative (swamp) cooler unit, as follows: accessible ductwork from the air conditioning unit to the point of attachment at registers/grills
  • Air handler
  • Blower fan motors
  • Capacitors
  • Compressors
  • Condensers
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Internal system controls
  • Internal wiring
  • Motors (excludes dampers)
  • Primary/secondary condensate drain pans
  • Refrigerant
  • Refrigerant filter dryer
  • Refrigerant piping interior to the unit (excluding inter-connecting line sets and geo-thermal piping)
  • Relays
  • Reversing valves
  • Switches and controls
  • Thermostats.
Not Covered by HN
  • Primary/secondary condensate pumps, and lines
  • Asbestos insulated ductwork or piping
  • Ductwork insulation
  • Concrete encased or inaccessible ductwork
  • Dampers
  • Filters (including electronic/electrostatic and de-ionizing filter systems)
  • Fossil and dual fuel control systems and other energy management systems and controls
  • Geothermal piping
  • Heat recovery unit
  • Humidifiers
  • Interconnecting Freon lines (external of the equipment)
  • Panels and/or cabinetry
  • Registers and grills
  • Recapture/reclaim of refrigerant
  • Structural components
  • Water pumps, valves and lines (external of the condenser unit)
  • Wall units (except as noted above)
  • Window units and water cooling towers
  • Gas systems, including ammonia systems, and chilled water systems
Attic fans
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Ceiling fan
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Dishwasher
$3,000.00
Details
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Disposal
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Doorbell
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Dryer
$3,000.00
Details
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Electrical
-
Details
Covered by HN
  • Standard mechanical parts or components located within the perimeter of the outer load bearing walls consisting of ceiling fan motors and their controls (excluding transmitters and remotes)
  • Attic/whole house exhaust fans
  • Doorbells and chimes
  • Interior standard light switches, smoke detectors including battery and hardwire systems
  • Main breaker or fuse panel/box receptacles and general line voltage wiring
Not Covered by HN
  • 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
  • Exhaust fans
  • Fire, carbon monoxide alarm and/or detection systems
  • Batteries
  • Intercom or speaker systems
  • Lighting fixtures
  • Load control devices
  • Low voltage systems including wiring and relays
  • Service entrance cables
  • Telephone systems
  • Timers
  • Touch pad assemblies
  • Transmitters and remotes
  • Utility meter base pans
  • Wall fans
  • Failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge, and corrosion caused by moisture are not covered
Garage door
-
Details
Covered by HN
  • Drive trains
  • Motor
  • Receiver board
  • Relays
  • Switches and sensors
Not Covered by HN
  • Batteries
  • Damage caused by door malfunctions
  • All door assemblies including door panels, tracks, rollers, hinges, cables and springs
  • Frequency interference
  • Lights
  • Sending units
  • Touch pads and/or key pads
  • Transmitters and remotes
Heating system
$1,500.00
Details
Covered by HN
  • Mechanical parts and components of two (2) systems, either hot water and steam heating system or centrally ducted forced air gas/electric/oil heating system or electric baseboard units, if providing the primary source of heat in dwelling, as follows: accessible ductwork from covered heating unit to point of attachment to register/grill
  • Blower fan motors
  • Burners
  • Controls
  • Fan blades
  • Heat/cool thermostats
  • Heat exchangers
  • Heating elements
  • Igniter and pilot assemblies
  • Internal system controls
  • Wiring
  • And
  • Relays
  • Motors (excludes dampers)
  • Switches.
  • If the primary heating system in the home is comprised of wall units, all wall units located within the home will be covered. Electric baseboard units are covered if they are the primary source of heating for the property.
Not Covered by HN
  • Chimneys, flues, and liners
  • 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
  • Fossil and dual fuel control systems and other energy management systems and controls
  • Dampers
  • Asbestos insulated ductwork or piping
  • Electric baseboard heat unless primary heating system in home
  • Filters (including electronic/electrostatic and de-ionizing filter systems)
  • Fireplaces and their respective components and gas lines
  • Freestanding or portable heating units
  • Fuel storage tanks, lines, and filters
  • Gas log systems, including gas feed lines
  • Humidifiers
  • Inaccessible water/steam lines leading to or from system
  • Individual space heaters
  • Maintenance and cleaning
  • Panels and/or cabinetry
  • Radiant heating systems built into walls, floors or ceilings
  • Registers and grills
  • Secondary units
  • Solar heating devices and components
  • Structural components
Locksmith
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Microwave
$3,000.00
Details
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Plumbing
$1,000.00
Details
Covered by HN
  • Garbage disposal
  • Interior hose bibs
  • Point of service water system/instahot
  • Pressure regulating devices
  • Shower and tub valves
  • Toilet tanks, bowls, and toilet mechanisms within the toilet tank.
  • The clearing of plumbing stoppages using standard snake/auger systems, of drain, waste or vent lines up to 125 feet from point of access where accessible ground level cleanout is existing, and which can be cleared with standard cable.
  • Leaks and breaks of water, gas, drain, waste and vent lines/pipes within the perimeter of the main foundation are covered.
Not Covered by HN
  • All plumbing in or under the ground, foundation or slab
  • All piping and plumbing outside of the perimeter of the foundation
  • Any piping or plumbing in a detached structure
  • Stoppage of concrete encased lines
  • Any fees for locating, accessing or installing cleanouts
  • 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, toys, bottle caps, etc.
  • Bathtubs
  • 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 and sediment (scale, minerals and other deposits)
  • Exterior hose bibs
  • Faucets
  • Freeze damage
  • Holding and pressure tanks
  • Jet pumps
  • Laundry tubs
  • Lawn and fire sprinkler systems
  • 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
  • Showerheads
  • Sinks
  • Solar systems
  • Toilet tank lids and toilet seats
  • Water damage
  • Water filters
  • Water purification systems
  • Wells
Plumbing stoppages
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Refrigerator
$3,000.00
Details
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Sump pump
-
Details
Covered by HN
  • Mechanical parts and components of the pump assembly located within the home and hard piped installed.
Not Covered by HN
  • Any unit located outside the covered property and/or within crawl spaces
  • Back-up power assemblies
  • Portable or non-hard piped installed unit.
Toilet
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Trash compactor
$3,000.00
Details
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Vacuum
-
Details
Covered by HN
  • Motor
  • Relay
  • Switches
  • Wiring
Not Covered by HN
  • Attachments
  • Hoses
  • Handles
  • Knobs
  • Panels and/or cabinetry
  • Powerhead assemblies
  • Secondary units
  • Structural components
Washer
$3,000.00
Details
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Water heater
-
Details
Covered by HN
  • Mechanical parts and components of one (1) water heater/tankless, including circulatory pumps and domestic hot water coils attached to boilers, but excluding solar and heat recovery units. Includes mechanical failures resulting from sediment build-up.
Not Covered by HN
  • Auxiliary and secondary holding/storage tanks
  • Base pans
  • Color or purity of water
  • Flues
  • Vent pipes/lines
  • Insulation and insulation blankets
  • Heat recovery units
  • Any noise without a related mechanical failure
  • Racks
  • Straps
  • Timers
  • Solar heaters, including all parts and components
Whole house fan
-
Details
Covered by HN
No Info
Not Covered by HN
No Info
Spa
$1,000.00
$205.00
Details
Covered by HN
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • Mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by HN
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Heaters
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment, skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and spa
  • Timer and remote control systems and their components. Cabinetry and structural components
  • Recapture/reclaim of refrigerant
  • Timer and remote control systems and their components
Pool
$1,000.00
$205.00
Details
Covered by HN
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • Mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by HN
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Heaters
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment, skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and spa
  • Timer and remote control systems and their components. Cabinetry and structural components
  • Recapture/reclaim of refrigerant
  • Timer and remote control systems and their components
Well pump
-
$150.00
Details
Covered by HN
  • Mechanical components and parts of the submersible or above ground well pump and booster pump utilized as the sole source of water supply only for the main dwelling, excluding irrigation system
  • Controls
  • Impellers
  • Motor
  • Pump and seals
  • For units that also supply water for use outside the main dwelling, only the capacity required to supply water to the main dwelling, excluding irrigation system
Not Covered by HN
  • Contamination or lack of water
  • Excavation or other charges necessary to gain access to, or to remove, or to reset the pump
  • Failure attributed to well impurity
  • Joint wells
  • Piping and electrical lines leading to and from the unit
  • Pressure, holding or storage tank(s)
  • Re-drilling of wells
  • Auxiliary/secondary
  • Well casings. 1
Outside gas line
$2,000.00
$60.00
Details
Covered by HN
  • Outside gas service line is defined as a natural gas supply line from the curb box to the inlet valve of the meter for one single family residential home – it is the most direct line between the curb box and the inlet valve of the meter
  • It includes the gas supply line between the outlet of the meter and the exterior of the foundation
Not Covered by HN
  • Any connections or extensions such as, but not limited to, gas lines to grills, lights and pool heaters
  • Any gas service lines in excess of 500 feet in length
  • High pressure gas lines and the high pressure service line which is defined as a natural gas supply line with a pressure rating of 60 psi or greater
  • Natural gas meter including connections
  • Appliances, appliance connectors, or burner tips
  • Any gas service line not measuring between ½” and 1 ¼” in diameter
  • Utility meters
  • Any interior gas piping
Outside sewer line
$3,000.00
$60.00
Details
Covered by HN
  • Outside sewer service line failures as a result of normal wear and tear
Not Covered by HN
  • Any outside sewer line in excess of 500 feet in length any outside sewer service line not connected to a public sewer system, including but not limited to sewer lines connected to a septic system or leach field
  • Outside holding tanks
  • Ejector pumps
  • Service or damage related to the back up of sewers and drains or any other damage caused directly or indirectly by sewer main lines
  • Any outside sewer service line connected to a lift station
  • Utility meters
  • Stoppages or blockage caused by root invasion and/or by foreign objects, such as but not limited to, toys and bottle caps
  • Any interior water or sewer line
Icon
Outside water line
$2,000.00
$60.00
Details
Covered by HN
  • Outside water line repair or replacement if the failure is a result of normal wear and tear.
  • This Agreement covers only the portion of the service line which extends from the curb box shut off valve to the meter or exterior load bearing wall of the covered property.
Not Covered by HN
  • Any outside water line in excess of 500 feet in length
  • Any costs in excess of $2,000 in aggregate per Agreement term
  • Any outside water service line not connected to a public water system, including but not limited to water lines connected to a well system
  • Lead piping
  • Utility meters
  • Stoppages or blockages caused by root invasion and/or by foreign objects, such as but not limited to, toys and bottle caps
  • Sprinkler and/or any irrigation lines or systems
  • Any interior water or sewer lines.
Water softener
-
$50.00
Details
Covered by HN
  • Mechanical parts and components of basic single water softener unit, including central head assembly
  • Multi m level/twin softeners
  • Piping to and from unit(s) and system tanks
Not Covered by HN
  • All treatment, purification, odor control, iron filtration components and systems
  • Discharge drywells
  • Failure due to excessive water pressure or freeze damage
  • Failures due to mineral and/or sediment
  • Resin bed replacement and salt
Septic
$1,000.00
$45.00
Details
Covered by HN
  • The mechanical parts and components of one (1) sewage ejector pump (located within the perimeter of the main foundation)
  • The clearing of stoppages within the connecting waste line (leading from the house to the primary septic tank) which are attributable to normal wear and tear and can be accessed through an existing clean out without excavation
Not Covered by HN
  • Broken or collapsed sewer lines
  • Tile fields
  • Leach beds
  • Leach lines
  • Lateral lines
  • Insufficient capacity
  • Seepage pits
  • Cesspools and sewage ejector pumps not associated with the septic system.
  • The cost associated with locating or gaining access to the septic tank or sewer hook-ups
  • The cost of installing cleanouts or hook-ups if they do not already exist
  • Disposal of waste
  • 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.
Premium Amount
Platinum Combo Plan
78%
$588.00
Silver Combo Plan
78%
$499.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
$1,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components of two (2) centrally ducted air conditioning systems, heat pump system or evaporative (swamp) cooler unit, as follows: accessible ductwork from the air conditioning unit to the point of attachment at registers/grills
  • Air handler
  • Blower fan motors
  • Capacitors
  • Compressors
  • Condensers
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Internal system controls
  • Internal wiring
  • Motors (excludes dampers)
  • Primary/secondary condensate drain pans
  • Refrigerant
  • Refrigerant filter dryer
  • Refrigerant piping interior to the unit (excluding inter-connecting line sets and geo-thermal piping)
  • Relays
  • Reversing valves
  • Switches and controls
  • Thermostats.
Not Covered by HN
  • Primary/secondary condensate pumps, and lines
  • Asbestos insulated ductwork or piping
  • Ductwork insulation
  • Concrete encased or inaccessible ductwork
  • Dampers
  • Filters (including electronic/electrostatic and de-ionizing filter systems)
  • Fossil and dual fuel control systems and other energy management systems and controls
  • Geothermal piping
  • Heat recovery unit
  • Humidifiers
  • Interconnecting Freon lines (external of the equipment)
  • Panels and/or cabinetry
  • Registers and grills
  • Recapture/reclaim of refrigerant
  • Structural components
  • Water pumps, valves and lines (external of the condenser unit)
  • Wall units (except as noted above)
  • Window units and water cooling towers
  • Gas systems, including ammonia systems, and chilled water systems
Attic fans
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Ceiling fan
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Dishwasher
Expand
Limit
$3,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Disposal
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Doorbell
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Dryer
Expand
Limit
$3,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Electrical
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Standard mechanical parts or components located within the perimeter of the outer load bearing walls consisting of ceiling fan motors and their controls (excluding transmitters and remotes)
  • Attic/whole house exhaust fans
  • Doorbells and chimes
  • Interior standard light switches, smoke detectors including battery and hardwire systems
  • Main breaker or fuse panel/box receptacles and general line voltage wiring
Not Covered by HN
  • 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
  • Exhaust fans
  • Fire, carbon monoxide alarm and/or detection systems
  • Batteries
  • Intercom or speaker systems
  • Lighting fixtures
  • Load control devices
  • Low voltage systems including wiring and relays
  • Service entrance cables
  • Telephone systems
  • Timers
  • Touch pad assemblies
  • Transmitters and remotes
  • Utility meter base pans
  • Wall fans
  • Failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge, and corrosion caused by moisture are not covered
Garage door
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Drive trains
  • Motor
  • Receiver board
  • Relays
  • Switches and sensors
Not Covered by HN
  • Batteries
  • Damage caused by door malfunctions
  • All door assemblies including door panels, tracks, rollers, hinges, cables and springs
  • Frequency interference
  • Lights
  • Sending units
  • Touch pads and/or key pads
  • Transmitters and remotes
Heating system
Expand
Limit
$1,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components of two (2) systems, either hot water and steam heating system or centrally ducted forced air gas/electric/oil heating system or electric baseboard units, if providing the primary source of heat in dwelling, as follows: accessible ductwork from covered heating unit to point of attachment to register/grill
  • Blower fan motors
  • Burners
  • Controls
  • Fan blades
  • Heat/cool thermostats
  • Heat exchangers
  • Heating elements
  • Igniter and pilot assemblies
  • Internal system controls
  • Wiring
  • And
  • Relays
  • Motors (excludes dampers)
  • Switches.
  • If the primary heating system in the home is comprised of wall units, all wall units located within the home will be covered. Electric baseboard units are covered if they are the primary source of heating for the property.
Not Covered by HN
  • Chimneys, flues, and liners
  • 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
  • Fossil and dual fuel control systems and other energy management systems and controls
  • Dampers
  • Asbestos insulated ductwork or piping
  • Electric baseboard heat unless primary heating system in home
  • Filters (including electronic/electrostatic and de-ionizing filter systems)
  • Fireplaces and their respective components and gas lines
  • Freestanding or portable heating units
  • Fuel storage tanks, lines, and filters
  • Gas log systems, including gas feed lines
  • Humidifiers
  • Inaccessible water/steam lines leading to or from system
  • Individual space heaters
  • Maintenance and cleaning
  • Panels and/or cabinetry
  • Radiant heating systems built into walls, floors or ceilings
  • Registers and grills
  • Secondary units
  • Solar heating devices and components
  • Structural components
Locksmith
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Microwave
Expand
Limit
$3,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Plumbing
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Garbage disposal
  • Interior hose bibs
  • Point of service water system/instahot
  • Pressure regulating devices
  • Shower and tub valves
  • Toilet tanks, bowls, and toilet mechanisms within the toilet tank.
  • The clearing of plumbing stoppages using standard snake/auger systems, of drain, waste or vent lines up to 125 feet from point of access where accessible ground level cleanout is existing, and which can be cleared with standard cable.
  • Leaks and breaks of water, gas, drain, waste and vent lines/pipes within the perimeter of the main foundation are covered.
Not Covered by HN
  • All plumbing in or under the ground, foundation or slab
  • All piping and plumbing outside of the perimeter of the foundation
  • Any piping or plumbing in a detached structure
  • Stoppage of concrete encased lines
  • Any fees for locating, accessing or installing cleanouts
  • 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, toys, bottle caps, etc.
  • Bathtubs
  • 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 and sediment (scale, minerals and other deposits)
  • Exterior hose bibs
  • Faucets
  • Freeze damage
  • Holding and pressure tanks
  • Jet pumps
  • Laundry tubs
  • Lawn and fire sprinkler systems
  • 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
  • Showerheads
  • Sinks
  • Solar systems
  • Toilet tank lids and toilet seats
  • Water damage
  • Water filters
  • Water purification systems
  • Wells
Plumbing stoppages
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Refrigerator
Expand
Limit
$3,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Sump pump
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components of the pump assembly located within the home and hard piped installed.
Not Covered by HN
  • Any unit located outside the covered property and/or within crawl spaces
  • Back-up power assemblies
  • Portable or non-hard piped installed unit.
Toilet
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Trash compactor
Expand
Limit
$3,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Vacuum
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Motor
  • Relay
  • Switches
  • Wiring
Not Covered by HN
  • Attachments
  • Hoses
  • Handles
  • Knobs
  • Panels and/or cabinetry
  • Powerhead assemblies
  • Secondary units
  • Structural components
Washer
Expand
Limit
$3,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components affecting the proper operation of appliance
  • Covered mechanical parts and components include only the following: automatic soap and rinse dispensers
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Defrost heaters
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Icemaker and ice and water dispensers built into the primary refrigerator (excluding water supply lines)
  • Internal wiring
  • Latch assemblies (excluding self-cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sense-temp elements/burners will be replaced only with standard elements/burners)
  • Solid-state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs and agitators
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by HN
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Independent telescoping range exhaust
  • Filters and screens
  • Food spoilage
  • Self-contained icemakers
  • Water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Self-cleaning mechanisms including door latches
  • Trays
  • Venting
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Water heater
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
  • Mechanical parts and components of one (1) water heater/tankless, including circulatory pumps and domestic hot water coils attached to boilers, but excluding solar and heat recovery units. Includes mechanical failures resulting from sediment build-up.
Not Covered by HN
  • Auxiliary and secondary holding/storage tanks
  • Base pans
  • Color or purity of water
  • Flues
  • Vent pipes/lines
  • Insulation and insulation blankets
  • Heat recovery units
  • Any noise without a related mechanical failure
  • Racks
  • Straps
  • Timers
  • Solar heaters, including all parts and components
Whole house fan
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HN
No Info
Not Covered by HN
No Info
Spa
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$205.00
Expand
Covered by HN
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • Mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by HN
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Heaters
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment, skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and spa
  • Timer and remote control systems and their components. Cabinetry and structural components
  • Recapture/reclaim of refrigerant
  • Timer and remote control systems and their components
Pool
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$205.00
Expand
Covered by HN
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • Mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by HN
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Heaters
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment, skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and spa
  • Timer and remote control systems and their components. Cabinetry and structural components
  • Recapture/reclaim of refrigerant
  • Timer and remote control systems and their components
Well pump
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$150.00
Expand
Covered by HN
  • Mechanical components and parts of the submersible or above ground well pump and booster pump utilized as the sole source of water supply only for the main dwelling, excluding irrigation system
  • Controls
  • Impellers
  • Motor
  • Pump and seals
  • For units that also supply water for use outside the main dwelling, only the capacity required to supply water to the main dwelling, excluding irrigation system
Not Covered by HN
  • Contamination or lack of water
  • Excavation or other charges necessary to gain access to, or to remove, or to reset the pump
  • Failure attributed to well impurity
  • Joint wells
  • Piping and electrical lines leading to and from the unit
  • Pressure, holding or storage tank(s)
  • Re-drilling of wells
  • Auxiliary/secondary
  • Well casings. 1