What Does A Home Warranty Cover?
When choosing a home warranty, coverage is the most critical part of the policy. Coverage is the actual systems and appliances in your home that the home warranty will cover and protect. The difficult thing about choosing a home warranty policy is that every company has its own coverage options and features. A basic plan from one home warranty company will have entirely different coverage from another.
Understanding the coverage your plan has and how this will impact the value and protection of your home warranty plan is essential. Our guide will look at home warranty coverage, what it involves, how you can ensure that you have the best home warranty coverage on the market, and what better home warranty coverage can do for you.
Best Home Warranty Companies by Coverage for 2022
Company
Plan
Premium (Year)
Deductible
Limit
Coverage
Get free quote
Company
Plan
Rating
Total Plan
Level:
Platinum
Type:
Combo
$660
$85
$500 - $3,000
74%
Details
Level:
Platinum
Type:
Combo
Deductible
$85
Limit
$500 - $3,000
Premium(Year)
$660
Coverage
74%
Details
Included in this coverage plan
Air conditioner
Limit Amount: $3000.00
Covered:
- Ducted electric central air conditioning
- Ducted electric wall air conditioning
- ll components and parts, for units below 13 SEER
- When CHW is unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Gas air conditioning systems
- Condenser casings
- Registers and Grills
- Filters
- Electronic air cleaners
- Window units
- Non-ducted wall units
- Water towers
- Humidifiers
- Improperly sized units
- Chillers
- All exterior condensing, cooling and pump pads
- Roof mounts, jacks, stands or supports
- Condensate pumps
- Commercial grade equipment
- Cost for crane rentals
- Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications
- Improper use of metering devices
- Thermal expansion valves
- Refrigerant conversion
- Leak detections
- Water leaks
- Drain line stoppages
- Maintenance
- Noise.
- No more than two systems covered unless purchased separately at time of enrollment.
- We are not responsible for the costs associated with matching dimensions, brand or color made.
- We will not pay for any modifications necessitated by the repair of existing equipment or the installation of new equipment.
Heating system
Limit Amount: $3000.00
Covered:
- All components and parts necessary for the operation of the heating system
- For units below 13 SEER and when We are unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Outside or underground piping
- Components for geothermal and/or water source heat pumps
- Redrilling of wells for geothermal and/or water source heat pumps
- Well pump
- Well pump components for geothermal and/or water source heat pumps
- Access
- Radiators or valves
- Baseboard casings
- Radiant heating
- Dampers
- Valves
- Fuel storage tanks
- Portable units
- Solar heating systems
- Fireplaces and key valves
- Filters
- Line dryers and filters
- Oil filters, nozzles, or strainers
- Registers
- Backflow preventers
- Evaporator coil pan
- Primary or secondary drain pans
- Grills
- Clocks
- Timers
- Add-ons for zoned systems
- Heat lamps
- Humidifiers
- Flues and vents
- Improperly sized heating systems
- Mismatched systems
- Chimneys
- Pellet stoves
- Cable heat (in ceiling
- Wood stoves (even if only source of heating)
- Calcium build-up
- Maintenance
Electrical
Limit Amount: $500.00
Covered:
- All components and parts including built-in bathroom exhaust fans
Not Covered:
- Fixtures
- Carbon monoxide alarms, smoke detectors, detectors or related systems
- Intercoms and doorbell systems associated with intercoms
- Inadequate wiring capacity
- Solar power systems and panels
- Solar Components
- Energy Management Systems
- Direct current (D.C.) wiring or components
- Attic exhaust fans
- Commercial grade equipment
- Auxiliary or sub-panels
- Broken and/or severed wires
- Rerunning of new wiring for broken wires
- Wire tracing
- Garage door openers
- Central vacuum systems
- Damages due to power failure or surge
- Circuit Overload
Plumbing
Limit Amount: $500.00
Covered:
- Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
- Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals Valves for shower, tub, and diverter angle stops, rinses and gate valves
- Permanently installed interior sump pumps
- Built-in bathtub whirlpool motor and pump assemblies
- Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
- Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
- Stoppages and clogs in drain and sewer lines that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
- Access to drain or sewer lines from vent or removal of water closets
- Cost to locate, access or install ground level clean out
- Slab leaks
- Polybutylene or Quest piping
- Galvanized drain lines
- Hose Bibs
- Drum traps
- Flange
- Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
- Faucets, fixtures, cartridges, shower heads & shower arms
- Baskets and strainers
- Popup assemblies
- Bathtubs and showers
- Cracked porcelain
- Glass
- Shower enclosures and base pans
- Roman tubs
- Bath tub drain mechanisms
- Sinks
- Toilet lids and seats
- Cabling or grouting
- Whirlpool jets
- Whirlpool control panel
- Septic tanks
- Sewage ejector pumps
- Water softeners
- Pressure regulators
- Inadequate or excessive water pressure
- Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
- Holding or storage tanks
- Saunas and/or steam rooms
Water heater
Limit Amount: $3000.00
Covered:
- All components and parts, including circulating pumps
Not Covered:
- Access
- Insulation blankets
- Pressure reducing valve
- Sediment build-up
- Rust and corrosion
- Main, Holding or storage tanks
- Vents and flues
- Thermal expansion tanks
- Low boy and/or Squat water heaters
- Solar water heaters
- Solar components
- Fuel, holding or storage tanks
- Noise
- Energy management systems
- Commercial grade equipment and units exceeding 75 gallons
- Drain pans and drain lines
- Tankless waterheaters
Refrigerator
Limit Amount: $3000.00
Covered:
- All components and parts, including integral freezer unit
Not Covered:
- Racks
- Shelves
- Lighting and handles
- Freon
- Ice makers, ice crushers, beverage dispensers and their respective equipment
- Water lines and valve to ice maker
- Line restrictions
- Leaks of any kind
- Interior thermal shells
- Freezers which are not an integral part of the refrigerator
- Wine coolers or mini refrigerators
- Food spoilage
- Doors
- Door seals and gaskets
- Hinges
- Glass
- Audio/Visual equipment and internet connection components
Oven
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Clocks (unless they affect the cooking function of the unit)
- Meat probe assemblies
- Rotisseries
- Racks
- Handles
- Knobs
- Door seals
- Doors
- Hinges
- Lighting and handles
- Glass
- Sensi-heat burners will only be replaced with standard burners
Dishwasher
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Racks
- Baskets
- Rollers
- Hinges
- Handles
- Doors
- Door gaskets
- Damage caused by broken glass
- Cleaning
Microwave
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Doors
- Hinges
- Handles
- Doors
- Door glass
- Lights
- Interior linings
- Trays
- Clocks
- Shelves
- Portable or counter top units
- Arcing
- Meat probe assemblies
- Rotisseries
Disposal
Limit Amount: $3000.00
Covered:
- ll components and parts, including entire unit
Not Covered:
- Problems and/or jams caused by bones, glass, or foreign objects other than food
Washer
Limit Amount: $3000.00
Covered:
- All components and parts,
Not Covered:
- Noise
- Plastic mini-tubs
- Soap dispensers
- Filter screens
- Knobs and dials
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Dryer
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Noise
- Venting
- Lint screens
- Knobs and dials
- Doors
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Ductwork
Limit Amount: $500.00
Covered:
- Duct from heating unit to point of attachment at registers or grills
Not Covered:
- Registers and grills
- Insulation
- Asbestos-insulated ductwork
- 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.
Garage door
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Garage doors
- Hinges
- Springs
- Sensors
- Chains
- Travelers
- Tracks
- Rollers
- Remote receiving and/or transmitting devices
Ceiling fan
Limit Amount: $3000.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Cooktop exhaust fan
Limit Amount: $3000.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Plumbing stoppages
Limit Amount: $3000.00
Covered:
- Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
- Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals Valves for shower, tub, and diverter angle stops, rinses and gate valves
- Permanently installed interior sump pumps
- Built-in bathtub whirlpool motor and pump assemblies
- Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
- Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
- Stoppages and clogs in drain and sewer lines that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
- Access to drain or sewer lines from vent or removal of water closets
- Cost to locate, access or install ground level clean out
- Slab leaks
- Polybutylene or Quest piping
- Galvanized drain lines
- Hose Bibs
- Drum traps
- Flange
- Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
- Faucets, fixtures, cartridges, shower heads & shower arms
- Baskets and strainers
- Popup assemblies
- Bathtubs and showers
- Cracked porcelain
- Glass
- Shower enclosures and base pans
- Roman tubs
- Bath tub drain mechanisms
- Sinks
- Toilet lids and seats
- Cabling or grouting
- Whirlpool jets
- Whirlpool control panel
- Septic tanks
- Sewage ejector pumps
- Water softeners
- Pressure regulators
- Inadequate or excessive water pressure
- Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
- Holding or storage tanks
- Saunas and/or steam rooms
Toilet
Limit Amount: Unknown
Available for optional add-on
-
+ $180 -
+ $180 -
+ $120 -
+ $100 -
+ $70 -
+ $65 -
+ $40 -
+ $40 -
+ $40 -
+ $40
Pool
Limit Amount: $500.00
Covered:
- Heater
- Pump
- Motor
- Filter
- Filter timer
- Gaskets
- Blower
- Timer
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves
- Relays and switches
- Pool sweep motor and pump
- Above ground plumbing pipes and wiring
Not Covered:
- Portable or above ground pools/spas
- Control panels and electronic boards
- Lights
- Liners
- Maintenance
- Structural defects
- Solar equipment
- Jets
- Ornamental fountains, waterfalls and their pumping systems
- Pool cover and related equipment
- Fill line and fill valve
- Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
- Turbo valves, skimmers, chlorinators, and ionizers
- Fuel storage tanks
- Disposable filtration mediums
- Cracked or corroded casings
- Grids
- Cartridges
- Heat pump
- Salt water systems.
Spa
Limit Amount: $500.00
Covered:
- Heater
- Pump
- Motor
- Filter
- Filter timer
- Gaskets
- Blower
- Timer
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves
- Relays and switches
- Pool sweep motor and pump
- Above ground plumbing pipes and wiring
Not Covered:
- Portable or above ground pools/spas
- Control panels and electronic boards
- Lights
- Liners
- Maintenance
- Structural defects
- Solar equipment
- Jets
- Ornamental fountains, waterfalls and their pumping systems
- Pool cover and related equipment
- Fill line and fill valve
- Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
- Turbo valves, skimmers, chlorinators, and ionizers
- Fuel storage tanks
- Disposable filtration mediums
- Cracked or corroded casings
- Grids
- Cartridges
- Heat pump
- Salt water systems.
Septic
Limit Amount: $500.00
Covered:
- Sewage ejector pump
- Jet pump
- Aerobic pump
- Septic tank and line from house.
Not Covered:
- Leach lines
- Field lines
- Lateral lines
- Tile fields and leach beds
- Insufficient capacity
- Clean out
- Pumping
Well pump
Limit Amount: $500.00
Covered:
- All components and parts of well pump utilized for main dwelling only
Not Covered:
- 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 well pump components for geothermal and/or water source heat pumps
Roof leaks
Limit Amount: $500.00
Covered:
- Repair of shake, shingle, and composition roof leaks over the occupied living area
Not Covered:
- Porches
- Patios
- Cracked and/or missing material
- Foam roofs
- Tar and gravel or metal roof
- Cem wood shakes
- Masonite shingles
- Flat or built-up roof
- Structural leaks adjacent to or caused by appendages of any kind
- Downspouts Flashing
- Gutters
- Skylights
- Decks
- Patio covers
- Solar equipment
- Roof jacks
- Antennae
- Satellite components
- Chimneys
- Partial roof replacement
- Preventative maintenance.
Septic tank pumping
Limit Amount: $250.00
Covered:
- Main line stoppages/clogs (one time only, and must have existing access or clean out).
- If a stoppage is due to a septic tank back up, then We will pump the septic tank one time during the contract term.
Not Covered:
- The cost of gaining or finding access to the septic tank and the cost of sewer hook ups
- Disposal of waste
- Chemical treatments
- Tanks
- Leach lines
- Cess pools
- Mechanical pumps/systems
Sump pump
Limit Amount: Unknown
Covered:
- Permanently installed sump pump for ground water, within the foundation of the home or attached garage
Not Covered:
- Sewerage ejector pumps
- Portable pumps
- Backflow preventers
- Check valves
- Piping modifications for new installs
Vacuum
Limit Amount: Unknown
Covered:
- All mechanical system components and parts
Not Covered:
- Ductwork
- Hoses
- Blockages
- Accessories
Stand-alone freezer
Limit Amount: Unknown
Covered:
- All parts and components that affect the operation of the unit
Not Covered:
- Ice-makers, crushers, dispensers and related equipment
- Internal shell
- Racks
- Shelves
- Glass displays
- Lights
- Knobs and caps
- Dials
- Doors
- Door seals and gaskets
- Door hinges
- Door handles
- Glass
- Condensation pans
- Clogged drains and clogged lines
- Grates
- Food spoilage
- Freon
- Disposal and recapture of Freon
Refrigerator
Limit Amount: Unknown
Covered:
- All components and parts, including integral freezer unit
Not Covered:
- Racks
- Shelves
- Lighting and handles
- Freon
- Ice makers, ice crushers, beverage dispensers and their respective equipment
- Water lines and valve to ice maker
- Line restrictions
- Leaks of any kind
- Interior thermal shells
- Freezers which are not an integral part of the refrigerator
- Food spoilage
- Doors
- Door seals and gaskets
- Hinges
- Glass
- Audio/Visual equipment and internet connection components
ShieldPlatinum Plan
Level:
Platinum
Type:
Combo
$660
$125
$1,000 - $6,000
90%
Details
Level:
Platinum
Type:
Combo
Deductible
$125
Limit
$1,000 - $6,000
Premium(Year)
$660
Coverage
90%
Details
Included in this coverage plan
Air conditioner
Limit Amount: $1500.00
Covered:
- Ducted central electric split and package units
- Geothermal
- Wall air conditioners
- Mini-splits
- Plenums
- Dampers
- Damper-only controls
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including registers or grills
Not Covered:
- Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump
- Window units
- Water towers
- Chillers
- Chiller components
- Water lines
- Legally mandated diagnostic testing when replacing heating or cooling equipment
Heating system
Limit Amount: $1500.00
Covered:
- Forced air (gas, electric, oil)
- Geothermal
- Wall mounted heaters
- Floor furnaces
- Package units
- Heat pumps
- Hot water or steam circulating heat
- Electric baseboard
- Room heaters
- Cable heat (if it's the main source of heat to your home or room)
- Plenums
- Dampers
- Damper-only controls
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s), including registers or grills
Not Covered:
- Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump
- Fuel storage tanks
- Portable units
- Fireplace grain, pellet, or wood heating units (even if it's the only source of heating)
- Legally mandated diagnostic testing when replacing heating or cooling equipment.
Electrical
Limit Amount: $1000.00
Covered:
- Direct Current (D.C.) wiring
- Lighting fixtures
- Built-in exhaust/vent/attic fans
Not Covered:
- Audio/Video/Computer/Intercom/Alarm or Security Wiring or Cable
- Telephone wiring
- Face plates
Ceiling fan
Limit Amount: Unknown
Covered:
- Our warranties cover all of the parts and components of ceiling fans.
Doorbell
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- When part of the intercom system
Alarm
Limit Amount: Unknown
Covered:
- Battery operated and hardwired units
Plumbing
Limit Amount: $1000.00
Covered:
- Water, drain, gas, waste or vent line leaks and breaks
- Toilets and related mechanisms
- Toilet wax ring seals
- Faucets
- Shower heads
- Shower arms
- Valves for shower, tub and diverter
- Angle stops
- Risers and gate valves (we use similar finishes and styles when we replacement is necessary)
- Hose bibs
- Basket strainers
- Permanently installed sump pumps (ground water only)
- Built-in bathtub whirlpool motor, pump, and air switch assemblies
- Pressure regulators
- Expansion tanks
- Sewage ejector pump (septic system sewage ejector pumps are not covered unless you purchase certain optional coverage.)
- Clearing sink, bathtub, shower, and toilet stoppages
- Clearing mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from an access point
- Clearing lateral drain line stoppages up to 100 feet from an access point including accessible cleanout, p-trap, drain or overflow access points
Not Covered:
- Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside your home's main foundation
- When your lines are broken, infiltrated or stopped by roots or foreign objects - even if they're within your home's main foundation
- Bathtubs
- Sinks
- Showers
- Shower enclosures and base pans
- Toilet lids and seats
- Jets
- Caulking or grouting
- Septic tanks
- Water filtration/purification system
- Holding or storage tanks
- Saunas or steam rooms
- Costs needed to locate or access cleanouts that can't be found or are inaccessible, or to install cleanouts
- Access through roof vents
Water heater
Limit Amount: $1500.00
Covered:
- All components and parts, including tankless water heaters and circulating pumps
Not Covered:
- Auxiliary holding or storage tanks
- Noise
- Fuel storage tank and energy conservation unit
Disposal
Limit Amount: $6000.00
Covered:
- All components and parts
Water dispenser
Limit Amount: $6000.00
Covered:
- All components and parts
Vacuum
Limit Amount: Unknown
Covered:
- All components and parts
- Central vacuums
Not Covered:
- Removable hoses and accessories
- Access and closing costs to floors, walls, and ceilings when locating or repairing a malfunction
Locksmith
Limit Amount: Unknown
Covered:
- Re-key up to 6 keyholes, including delivery of a total of 4 identical keys, on previously installed and properly functioning non-electronic door knobs and/or deadbolts for the hinged doors accessing the structural walls of your covered residential property
Not Covered:
- A separate trade service call fee applies for each unit of any covered multi-unit property
Refrigerator
Limit Amount: $6000.00
Covered:
- All components and parts
Not Covered:
- Free standing freezers
- Multi-media centers
- Wine chillers
Washer
Limit Amount: $6000.00
Covered:
- All components and parts
Dryer
Limit Amount: $6000.00
Covered:
- All components and parts
Oven
Limit Amount: $6000.00
Covered:
- All components and parts
- Ovens
- Cooktops
- Ranges
Dishwasher
Limit Amount: $6000.00
Covered:
- All components and parts
Microwave
Limit Amount: $6000.00
Covered:
- All components and parts
- Built-in Microwaves
Trash compactor
Limit Amount: $6000.00
Covered:
- All components and parts
Garage door
Limit Amount: $1000.00
Covered:
- All components and parts
Not Covered:
- Door or door track assemblies
Free-standing ice maker
Limit Amount: $3000.00
Covered:
- All components and parts
Food center
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Removable accessories
Plumbing stoppages
Limit Amount: $1000.00
Covered:
- Water, drain, gas, waste or vent line leaks and breaks
- Toilets and related mechanisms
- Toilet wax ring seals
- Faucets
- Shower heads
- Shower arms
- Valves for shower, tub and diverter
- Angle stops
- Risers and gate valves (we use similar finishes and styles when we replacement is necessary)
- Hose bibs
- Basket strainers
- Permanently installed sump pumps (ground water only)
- Built-in bathtub whirlpool motor, pump, and air switch assemblies
- Pressure regulators
- Expansion tanks
- Sewage ejector pump (septic system sewage ejector pumps are not covered unless you purchase certain optional coverage.)
- Clearing sink, bathtub, shower, and toilet stoppages
- Clearing mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from an access point
- Clearing lateral drain line stoppages up to 100 feet from an access point including accessible cleanout, p-trap, drain or overflow access points
Not Covered:
- Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside your home's main foundation
- When your lines are broken, infiltrated or stopped by roots or foreign objects - even if they're within your home's main foundation
- Bathtubs
- Sinks
- Showers
- Shower enclosures and base pans
- Toilet lids and seats
- Jets
- Caulking or grouting
- Septic tanks
- Water filtration/purification system
- Holding or storage tanks
- Saunas or steam rooms
- Costs needed to locate or access cleanouts that can't be found or are inaccessible, or to install cleanouts
- Access through roof vents
Ductwork
Limit Amount: $1000.00
Covered:
- Plenums
- Dampers
- Damper - only controls
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including registers or grills.
Not Covered:
- Legally mandated diagnostic testing when replacing heating or cooling equipment
Toilet
Limit Amount: $1000.00
Covered:
- Toilets and related mechanisms
- Toilet wax ring seals
- Clearing sink, bathtub, shower, and toilet stoppages
Not Covered:
- Toilet lids and seats
Cooktop exhaust fan
Limit Amount: Unknown
Attic fans
Limit Amount: Unknown
Bath exhaust fan
Limit Amount: Unknown
Whole house fan
Limit Amount: Unknown
Roof leaks
Limit Amount: $1500.00
Covered:
- Metal roofs
- Partial or full green roofs (eco roofs)
- Items penetrating the roof (such as skylights, chimneys, and vents)
- Roof-mounted installations (such as solar panels) and leaks associated with their attachment to the roof
- Gutters and downspouts.
Not Covered:
- Roof Leak Repair coverage is not available in Hawaii!
Available for optional add-on
- + $21.25
- + $21.25
-
+ $18 -
+ $18 - + $9.99
- + $8.33
- + $4.17
Spa
Limit Amount: Unknown
Covered:
- Pool sweep motor and pump
- Pump Motor
- Blower motor and timer
- Plumbing pipes and wiring
- Plumbing and electrical
Not Covered:
- Portable or above ground spas
- Access to pool and spa equipment
- Lights
- Liners
- 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
- Disposal filtration mediums
- Heat Pump
- Multi-media centers
- Dehumidifiers
- Salt water generators and components
Pool
Limit Amount: Unknown
Covered:
- Pool sweep motor and pump
- Pump Motor
- Blower motor and timer
- Plumbing pipes and wiring
- Plumbing and electrical
Not Covered:
- Portable or above ground spas
- Access to pool and spa equipment
- Lights
- Liners
- 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
- Disposal filtration mediums
- Heat Pump
- Multi-media centers
- Dehumidifiers
- Salt water generators and components
PC
Limit Amount: $5000.00
Covered:
- Desktops, Laptops, Tablets
- Each PC can include one (1) of each of the following: an associated external monitor, keyboard (wired or wireless), mouse (wired or wireless), modem and external desktop speaker set (wired). PCs eligible for coverage under this Plan are those equipped with a Windows Operating System version Windows 7 or newer or Android version 1.6 or newer and Apple computers which are equipped with an Apple operating system version OS X (10) or newer
- Home Router (wired or wireless)
- External Hard Drive
- Printers and Multifunction Printers
- Gaming Systems
- DVD Player, Blu-Ray Player and portable DVD players
- Home Theater system
TV
Limit Amount: $5000.00
Covered:
- LCD, Plasma or LED televisions
- Gaming Systems
- DVD Player, Blu-Ray Player and portable DVD players
- Home Theater system
Roof leaks
Limit Amount: Unknown
Well pump
Limit Amount: $1500.00
Covered:
- All components and part of well pump utilized as a source of water to the home
Not Covered:
- Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing
- Well casings
- Pressure switches not located on the pump
- Holding, storage or pressure tanks
- Booster pumps
- Redrilling of wells
- Well pump and all well pump components for geothermal and/or water source heat pumps
Septic
Limit Amount: Unknown
Covered:
- Mainline stoppages that can be cleared through an existing access or clean out without excavation
- The septic tank will be pumped once during the contract coverage term if the stoppage is due to septic backup
- Sewage ejector pump for septic system only
Not Covered:
- Broken or collapsed sewer lines outside the foundation
- Stoppages or roots that prevent the effective use of any externally applied sewer machine cable
- Cost of finding or gaining access to the septic tank or sewer hook-ups
- Disposal of waste
- Chemical treatment of the septic tank and/or sewer lines
- Tanks
- Leach lines
- Cesspool
- Any mechanical pump or systems
Platinum Care plan
Level:
Platinum
Type:
Combo
$675
$60
$500 - $2,000
68%
Details
Level:
Platinum
Type:
Combo
Deductible
$60
Limit
$500 - $2,000
Premium(Year)
$675
Coverage
68%
Details
Included in this coverage plan
Air conditioner
Limit Amount: $2000.00
Covered:
- Condensor
- Fan motors
- Compressors
- Condensers
- Thermostats
- Capacitors relays
- Contactors
- Pressure switch
- Thermistor
- Cut in switches
- Transformers
- Start Assist
- Defrost boards
- Blower motors
Not Covered:
- Window
- Wall
- Portable air conditioning units
- Freon
- Geothermal systems
- Air filtration systems
- Humidifiers
- Condensation leaks
- Mismatched systems
- Freon leaks
- Damage caused by freon leak
Heating system
Limit Amount: $2000.00
Covered:
- Primary heating system of the covered home
- Condensor Fan motors
- Compressors
- Condensers
- Thermostats
- Capacitors
- Relays
- Contactors
- Pressure switch
- Thermistor
- Cut in switches
- Transformers
- Inducer motors
- Defrost boards
- Blower motors
- Heating elements
- Igniters
- Ignition modules
- Burner assembly
- Pressure switches
- Thermocouple
Not Covered:
- Solar heating systems
- Zone systems
- Wall units or the components
- Air cleaners
- Humidifiers
- Flues
- Coils
- Heat exchanger
- Geothermal heating/cooling units
Ductwork
Limit Amount: $500.00
Covered:
- All ducts from heating and/or cooling unit to the point of attachment at registers or grills
Not Covered:
- Crushed ductwork
- Improperly sized ductwork/duct system
Water heater
Limit Amount: $2000.00
Covered:
- All modules, components and parts of the water heater necessary to the functionality of the water heater
- Control board
- Thermostats
- Gas valves
- Burner assembly
- Heating elements
- Pressure switches
- Thermocouple
- Ignition module
- Igniter
Not Covered:
- Solar or tankless water heating systems
- Leaks
- Pumps
Plumbing
Limit Amount: $500.00
Covered:
- Line leaks in water, drain, waste or vent lines not caused by damage resulting from freezing or from roots
- Line breaks in water, drain, waste or vent lines not caused by damage resulting from freezing or from roots
- Toilet bowls
- Toilet tanks
- Toilet flushing mechanisms
- Angle stops
- Risers
Not Covered:
- Water softeners
- Slab leaks
- Polybutylene pipes.
Plumbing stoppages
Limit Amount: $500.00
Covered:
- Stoppages in drain, vent and sewer lines up to 100 feet from access point, except if caused by roots
Not Covered:
- Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the confines of the main foundation if the home
- Stoppages due to roots or foreign objects
- If the lines are broken or infiltrated by roots or are otherwise stopped by roots, even if the break, infiltration or stoppage is within 100 feet from the access point, it is not covered
- Access to drain or sewer lines from the vent or the removal of the water closet
- Costs to locate, access or install a ground level clean out
- Septic tanks.
Refrigerator
Limit Amount: $500.00
Covered:
- All modules, components and parts of the refrigerator necessary to the functionality of the refrigerator
- Control boards
- Compressor
- Thermostats
- Damper control
- Wire harness
- Evaporator fan motor
- Condenser fan motors
- Pressure switches
- Relays
- Contactors
- Start assist
- Thermistors
Not Covered:
- Sealed system
Ceiling fan
Limit Amount: $500.00
Covered:
- All modules, components and parts of ceiling fan affixed in the covered home necessary to its functionality
Not Covered:
- Lights
Dryer
Limit Amount: $500.00
Covered:
- All modules, components and parts of the clothes washer and clothes dryer necessary to the functionality of the clothes washer and clothes dryer
- Motors
- Drain pumps
- Control boards
- Gas vales
- Heating elements
- Igniters
- Thermostats
- Fuses
- Wire harness
- Ignition modules
- Tub assembly
- Tub bearings
- Motor bearings
Washer
Limit Amount: $500.00
Covered:
- All modules, components and parts of the clothes washer and clothes dryer necessary to the functionality of the clothes washer and clothes dryer
- Motors
- Drain pumps
- Control boards
- Gas vales
- Heating elements
- Igniters
- Thermostats
- Fuses
- Wire harness
- Ignition modules
- Tub assembly
- Tub bearings
- Motor bearings
Dishwasher
Limit Amount: $500.00
Covered:
- All modules, components and parts of the dishwasher necessary to the functionality of the dishwasher
- Control board
- Pump
- Switches
- Drain pump
- Temp control
- Heating elements
- Drain lines
Not Covered:
- Racks/rollers
Microwave
Limit Amount: $500.00
Covered:
- All modules, components and parts of the built-in microwave necessary to the functionality of the built-in microwave
Not Covered:
- Portable,combo or countertop microwaves.
Garage door
Limit Amount: $500.00
Covered:
- Control board
- Motors
- Chains
- Belts
- Gears
- Pulley
- Sheave fork
- Axle bolts
- Switches
Not Covered:
- Garage doors
- Springs
- Brackets
- Tracks
- Rails
Electrical
Limit Amount: Unknown
Covered:
- Wiring
- Service panels
- Sub-panels
- Switches
- Breakers
- Outlets
- Junction boxes
- Ground fault interrupters
Not Covered:
- Damage to the electrical system caused by flood, fire, water, rust
- Fixtures
- Inadequate wiring capacity
- Attic/exhaust fans
- Damage caused by a power surge
- Damage caused by a power failure
- Wire tracing
Disposal
Limit Amount: $500.00
Covered:
- All modules, components and parts of the garbage disposal necessary to the functionality of the garbage disposal
Oven
Limit Amount: $500.00
Covered:
- Burners
- Control boards
- Thermostats
- Broilers
- Temp controls
- Heating elements
- Igniter
- Ignition module
- Spark igniters
Not Covered:
- Range hood
Available for optional add-on
- + $99.95
- + $69.99
- + $69.99
-
+ $69.99 - + $39.99
- + $39.99
- + $39.99
- + $39.99
- + $0
Pool
Limit Amount: $400.00
Covered:
- Pumping system
- Filtration system
- Heating system
Not Covered:
- Portable pools, spas or hot tubs
- Computerized control boards
- Heat pumps
- Leaks
Septic
Limit Amount: $400.00
Covered:
- Aerobic pump
- Sewage ejector
- Jet pump
- Septic tank
Not Covered:
- Tile fields and leach beds
- Leach lines
- Lateral lines
- Insufficient capacity
- Clean out
- Pumping
Spa
Limit Amount: $400.00
Covered:
- Pumping system
- Filtration system
- Heating system
Not Covered:
- Portable pools, spas or hot tubs
- Computerized control boards
- Heat pumps
- Leaks
Sprinkler
Limit Amount: $400.00
Covered:
- All mechanical components that affect operation
Not Covered:
- Lack of water pressure
- Damage due to freezing, heads
Stand-alone freezer
Limit Amount: $400.00
Covered:
- Control boards
- Compressor
- Thermostats
- Damper control
- Wire harness
- Evaporator fan motor
- Condenser fan motors
- Pressure switches
- Relays
- Contactors Start assist
- Thermistors
Not Covered:
- Sealed system
Vacuum
Limit Amount: $400.00
Covered:
- All modules, components and parts of central vacuum system necessary to its functionality
Not Covered:
- Clogged pipes
Well pump
Limit Amount: $400.00
Covered:
- All components of well pump, provided the well is the primary water source to the covered home
Not Covered:
- Holding and storage tanks
- Piping or electrical lines
- Booster pumps
Sump pump
Limit Amount: $400.00
Covered:
- All components of sump pump for ground water, provided the pump is within the foundation of the covered home
Not Covered:
- Portable pumps
- Sewer ejector pumps
Roof leaks
Limit Amount: $400.00
Covered:
- Roof leaks only
Not Covered:
- Patios
- Metal roofs
- Shingles
- Cracked and/or missing material
- Tiles
- Tar and gravel
- Flat or built-up roofs
- Structural leaks
- Gutters
- Downspouts
- Skylights
- Flashing
- Solar components
- Attic vents
- Satellite components
- Antennae
- Chimney components.
Comprehensive Coverage plan
Level:
Platinum
Type:
Combo
$738
$95
$300 - $2,500
87%
Details
Level:
Platinum
Type:
Combo
Deductible
$95
Limit
$300 - $2,500
Premium(Year)
$738
Coverage
87%
Details
Included in this coverage plan
Heating system
Limit Amount: $2500.00
Covered:
- Forced air (gas, electric,)
- Geothermal
- Wall mounted heaters
- Floor furnaces
- Package units
- Mini-splits
- Hot water or steam circulating heat
- Room heaters
- Oil heating system (if main source of heat to the home)
- Cable heat (if main source of heat to the home or room)
- Metering devices (e.g. thermal expansion valves)
- Furnace
- Furnace transition
- Evaporator coils
- Air handling unit
- Air handling transition
- Plenum
- Refrigerant (freon) subject to refrigerant (freon) limits see section H.9 and refrigerant lines
- Thermostats (all thermostats replaced only with standard units)
Not Covered:
- Chimneys, flues, and liners
- Cleaning and re-lighting of burners
- Outside or underground piping
- Ductwork or piping where asbestos is present
- Concrete encased steam or radiant heating coils or lines
- Filters (including electronic/electrostatic and de-ionizing filter systems)
- Electric baseboard heat, fireplaces, grain, pellet, or wood heating units (even if only source of heating) and key valves
- Built-in heat lamps
- Well pump, and well pump components for geothermal and/or water source heat pump
- Geothermal piping
- Free-standing or portable heating units
- Fuel storage tanks, lines, and filters
- Roof jacks or stands
- Gas log systems, including gas feed lines
- Humidifiers
- Individual space heaters
- Maintenance and cleaning
- Panels and/or cabinetry
- Radiant heating systems built into walls, floors or ceilings
- Pressure regulators
- Registers/grills
- Secondary units
- Solar heating devices and components
- Crane charges
- Legally mandated diagnostic testing when replacing heating or cooling equipment
- Stopped up drain lines
- Noise
- Structural components
Air conditioner
Limit Amount: $2500.00
Covered:
- Ducted central electric split and package units
- Geothermal
- Mini-splits
- Swamp coolers
- Wall air conditioners (if the primary cooling system in the home is comprised of wall air conditioners, up to three (3) wall air conditioner units will be covered
- Air handler
- Blower fan motors
- Capacitors
- Compressors
- Condenser fan motors
- Condenser coils
- Condensers
- Evaporator coils
- Fan blades
- Refrigerant (freon) subject to refrigerant (freon) limits (see section H.9) (freon) gas lines interior to the unit
- Internal system controls
- Internal wiring
- Motors (excludes dampers)
- Refrigerant filter dryer
- Refrigerant piping (excluding inter-connecting line sets)
- Relays
- Thermostats (all thermostats replaced only with standard units)
- Reversing valves
- Switches and controls
Not Covered:
- Humidifiers and electronic air cleaners
- Condensate drain pans, pumps, and lines
- Filters (including electronic/electrostatic and de-ionizing filter systems)
- Heat recovery unit
- Interconnecting refrigerant (freon) gas lines/line sets (external of the equipment)
- Panels and/or cabinetry
- Roof jacks or stands
- Asbestos insulated piping
- Outside or underground piping
- Recapture/reclaim/disposal of refrigerant (freon)
- Stopped up drain lines
- Structural components
- Geothermal piping
- Humidifiers
- Zone control systems, or custom control systems
- Flues and vents
- Well pumps
- Well pump components for geothermal and/or water source heat pump
- Water pumps and lines (external of the condenser unit)
- Remote controls
- Wall units (except as noted above)
- Crane charges
- Legally mandated diagnostic testing when replacing heating or cooling equipment
- Window units
- Mismatched systems
- Water cooling towers
- Noise
- General maintenance and cleaning
- Gas systems, including ammonia systems and chillers, chiller components, water lines, chilled water systems
Plumbing
Limit Amount: $750.00
Covered:
- Interior hose bibs
- Angle stops
- Risers
- P-trap
- Shower and tub valves
- Gate valves
- Waste and stop valves
- Faucets and fixtures (replaced with chrome builder’s standard)
- Toilet tanks and bowls and related mechanisms (replaced with two-piece white builder’s standard)
- Wax ring seals
- Toilet mechanisms within the toilet tank
- HSC will cover up to three (3) toilets
Not Covered:
- All piping and plumbing outside of the perimeter of the foundation or below the lowest floor of the home (under the foundation or in a crawl space)
- Breaks in/collapse of water, waste, drain, or vent lines
- Any damage caused by freezing or roots
- Faucets and fixtures if damage is due to calcification
- Bathtubs and showers
- Shower enclosures and base pans
- Showerheads
- Shower arms
- Sinks
- Toilet lids and seats
- Caulking or grouting
- Color or purity of the water in the system
- Noise
- Water softeners
- Pressure regulators
- Inadequate or excessive water pressure
- Flow restrictions in fresh water lines caused by scale, rust, minerals and other deposits or any pre-existing condition
- Corrosion or chemical deposits
- Exterior hose bibs
- Polybutylene plumbing
- Water supply lines to the refrigerator
- Holding, storage and pressure tanks
- Pressure regulating devices
- Laundry tubs
- Bidets
- Jet plumbing
- Indoor/outdoor sprinkler systems
- Booster pumps
- Conditions of electrolysis
- Repair and finish of any walls, floors or ceilings where it is necessary to break through to effect repairs or diagnosis
- Septic tanks and systems in or outside of the home
- Sewage ejector pumps
- Sewer and water laterals
- Wells and well pumps
- Solar systems
- Water conditioning equipment
- Main shut off valve
- Water damage
- Water filters
- Water purification systems
- Whirlpool bathtub, spas, saunas or steam rooms and their respective plumbing and mechanical components
Electrical
Limit Amount: $500.00
Covered:
- General line voltage wiring (repair only)
- Components and parts within the perimeter of the exterior walls consisting of main breaker fuse panel/box
- Lighting fixtures
- Standard light switches and receptacles
Not Covered:
- Alarm systems
- Burglar, fire and smoke alarms
- Batteries
- Direct current (DC) wiring and systems
- Door bells and chimes
- Exterior wiring and components (except main panels mounted to exterior wall)
- Exhaust fans
- Light bulbs
- Permits and code upgrades
- Chandelier
- Load control devices
- Low voltage systems including wiring and relays
- Electrical generation systems
- Face plates
- Telephone systems
- Audio/video/computer/ intercom wiring or cable
- Timers
- Touch pad assemblies
- Remote controls
- Circuit overload
- Garage door openers
- Utility meter base pans
Water heater
Limit Amount: $500.00
Covered:
- Mechanical parts and components for one primary water heater, including circulatory pumps and domestic hot-water coils attached to boilers, but excluding solar and heat recovery units
- Water leaks
- 80-gallon maximum capacity for both gas and electric water heaters
- Tankless, direct vents and power vents that malfunction due to normal wear and tear
Not Covered:
- Oil-fired water heaters, anode rods
- Color or purity of water
- Noise
- Heat recovery units
- Stands
- Permits
- Code upgrades
- Flue repairs
- Piping
- Gas stop
- T&P discharge line
- Insulation
- Sediment build-up
- Solar heaters, including all parts and components
- Water heaters exceeding 80-gallon maximum capacity
- Ancillary holding or storage tanks
- Fuel storage tank
- Energy conservation unit
- Thermal and all expansion tanks
Ceiling fan
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Light kits and remote transmitters
- Attic, bathroom, and/or whole house exhaust fans
- Light bulbs
- Noise
- Remote controls
- Wall fans
- Removable accessories
Garage door
Limit Amount: $500.00
Covered:
- Motor
- Wiring
- Receiver board
- Relays
- Switches and sensors
- Drive trains
Not Covered:
- Garage Doors
- Batteries
- Damage caused by door malfunctions
- Remotes
- Light bulbs
- All door assemblies including door panels, tracks, rollers, hinges, cables and springs
- Guides
- Noise
- Frequency interference
- Lights
- Sending units
- Exterior mounted keypads
- Transmitters
Disposal
Limit Amount: $350.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Removable accessories, unclogging, and jammed garbage disposals
Vacuum
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear of a single primary unit as
- follows: motor and drive train
Not Covered:
- Accessories or hoses
- Removable attachments
- Clogged pipes
- Maintenance related breakdowns
Refrigerator
Limit Amount: $750.00
Covered:
- The repair or replacement of components and parts of a single primary refrigerator that malfunctions due to normal wear and tear
Not Covered:
- Racks
- Shelves
- Drawers
- Ice makers, ice crushers, beverage/water dispensers, and their respective equipment and water lines
- Interior thermal shells
- Door hinges: springs: gasket
- Seal
- Noise
- Food spoilage
- Light bulbs
- Free standing freezer
- Freezers which are not an integral part of the refrigerator
- Removable accessories
- Wine coolers/chillers
- Multi-media center
- Non functioning parts
- Latch assemblies
- Cosmetic damage
Oven
Limit Amount: $750.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Clocks (unless they affect the function of the oven)
- Meat probe assemblies
- Rotisseries
- Racks
- Door hinges
- Springs
- Gasket
- Seal
- Vent and all hoods
- Handles
- Knobs
- Dials
- Interior lining
- Noise
- Sensi-heat burners
- Light sockets, light bulbs
- Indoor barbecue
- Removable accessories
Dishwasher
Limit Amount: $600.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Racks
- Baskets
- Rollers
- Door hinges/locks
- Springs
- Gasket
- Soap dispensers
- Noise
- Seal
- Removable accessories
Washer
Limit Amount: $800.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Plastic mini-tubs
- Soap dispensers
- Filter screens
- Noise
- Knobs and dials
- Odors
- Damage to clothing
- Latch assemblies
- Warping
- Drawers
- Touch pads
Dryer
Limit Amount: $800.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Venting
- Lint screens
- Knobs and dials
- Dryer cabinet
- Fragrance/humidity center
- Hangers, shelves, rods, hooks, and cabinet liner
- Touch pads
- Damage to clothing
- Racks
- Warping
- Noise
- Latch assemblies
- Odors
- Drawers
Free-standing ice maker
Limit Amount: $400.00
Covered:
- Mechanical parts and components of one freestanding icemaker as follows:
- Belts
- Compressor
- Condensers
- Control timers
- Defrost heaters
- Electronic components
- Evaporators
- Fan motors
- Hoses
- Internal wiring
- Motors
- Power cords
- Pumps
- Pulleys
- Ram assembly
- Switches and relays
- Solid-state control boards
- Thermostats
- Water valves
Not Covered:
- Any and all commercial units or commercial grade units
- Parts or components that are not specifically listed as covered including but not limited
- to latch assemblies
- Hinges
- Noise
- Touch pads
Microwave
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Interior linings/walls
- Door glass
- Latch assemblies
- Shelves
- Portable or counter top units
- Door hinges, locks
- Vent and all hoods
- Trim kits and built in kits
- Springs: gasket
- Seal
- Noise
- Meat probe assemblies
- Rotisseries
- Clocks
- Removable accessories
Trash compactor
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Lock and key assemblies
- Removable buckets
- Removable accessories
Food center
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Removable accessories
Plumbing stoppages
Limit Amount: $500.00
Covered:
- Clearing of sink, bathtub, shower, and toilet stoppages
- Clearing of mainline drain and sewer stoppages up to 100 feet (standard sewer cable) from
- access point
- Clearing of lateral drain line stoppages up to 100 feet from access point including, but not limited to, accessible clean out, p-trap, drain or overflow access points, and removing a toilet for a toilet stoppage only
Not Covered:
- Costs to locate or access cleanouts not found or inaccessible, or costs associated with installing cleanouts
- Stoppages caused by collapsed, damaged, frozen, or broken drain, vent, or sewer lines, inside or outside of the home’s main foundation
- Stoppages due to roots or foreign objects
- Lines broken or infiltrated by roots, or otherwise stopped by roots, even if within the home’s main foundation
- Access through roof vents
- Septic tanks
Doorbell
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Batteries
- Intercom systems
Ductwork
Limit Amount: $600.00
Covered:
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including
- registers or grills
- Dampers
- Damper-only controls
- Plenums
Not Covered:
- Insulation
- Collapsed or crushed ductwork
- Ductwork where asbestos is present
- Ductwork damaged by moisture
- Water damage
- Damage caused by pests and/or animals
- Pests and/or animals
- Noise
- Underground ductwork
- Ductwork accessible only through a concrete floor, wall or ceiling
- Improperly sized ductwork
- Ductwork outside the perimeter of the home or in a crawl space
- Diagnostic testing of, or locating leaks to ductwork, including, without limitation, as required by any federal, state or local law, regulation, or ordinance
- Or when required due to the installation or replacement of system equipment
Whole house fan
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Exhaust fans used for radon
- Heating or lighting components
Attic fans
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Exhaust fans used for radon
- Heating or lighting components
Pests
Limit Amount: $500.00
Covered:
- Roaches
- Ants (except Fire, Pharaoh, and Carpenter varieties)
- Silverfish
- Black Widow spiders
- Earwig
- Brown Recluse spiders
- Millipedes
- Mice - crickets
- Ground beetles
- Centipedes
- Pill bugs
- Sow bugs
- Clover Mites
Not Covered:
- Termites
- Fungus
- Mold
- Wood-boring beetles
- Rats
Water dispenser
Limit Amount: $300.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
Not Covered:
- Cosmetic or physical damage
- Removable accessories
Sump pump
Limit Amount: $500.00
Covered:
- Permanently installed sump pump for ground water
Not Covered:
- Sewage ejector pump
- Back-up power assemblies
- Any unit located outside the perimeter of the foundation, or below the lowest floor of the home (not limited to but includes under the foundation of the home or within a crawl space)
Alarm
Limit Amount: $500.00
Covered:
- Burglar alarm wiring used for residential alarm service located within the perimeter of the main foundation of the home
Not Covered:
- Plugs
- Lights
- Transformers or any other power units
- Cover plates, alarm units
- Motion detectors
- Glass breakers
- Door and window contacts
- Alarm circuits
- Fuses
- Wiring which is the property of the alarm company
Phone
Limit Amount: $500.00
Covered:
- Telephone wiring for residential telephone service located within the perimeter of the main foundation of the home
Not Covered:
- Telephone jacks
- Plugs
- Lights
- Transformers or any other power units
- Cover plates, telephone units
- Answering devices
- Telephone fuses
- Alarm circuits
- Fuses
- Wiring which is the property of the telephone company
Toilet
Limit Amount: $750.00
Covered:
- Toilet tanks and bowls and related mechanisms (replaced with two-piece white builder’s standard)
- Wax ring seals
- Toilet mechanisms within the toilet tank
- HSC will cover up to three (3) toilets
Not Covered:
- Toilet lids and seats
- Bidets
Available for optional add-on
-
+ $199.95 -
+ $199.95 -
+ $199.95 - + $149.95
- + $149.95
-
+ $139.95 - + $129.95
- + $99.95
-
+ $99.95 - + $99.95
-
+ $59.95 -
+ $49.95 - + $49.95
-
+ $49.95 -
+ $49.95 - + $39.95
Outside gas line
Limit Amount: $2500.00
Covered:
- Repair or replacement necessary to remedy a leak, break, tear, or rupture which occurs as a result of normal wear and tear or inherent defects in material or craftsmanship in your Outside Gas Line
- Outside Gas Line is defined as a natural gas supply line from the curb box to the inlet valve of the meter located at the home; for meters located in the yard, coverage includes the natural gas line from the outlet of the meter to the exterior of the foundation of the
- home
Not Covered:
- Failures caused by insurable events
- Meters or movement of any meter
- Concrete-encased lines
- Lines that are not leaking
- Failure caused by tree roots
- Piping that runs through or under a body of water, including but not limited to, a swimming pool, pond or lake
- Piping that runs under the dwelling or other structure
- Piping that is not connected and ready for use
- Upgrade to any line
- Lines that have a blockage or low pressure
- Connections or extensions
- Any gas lines not leading directly to the dwelling
Outside water line
Limit Amount: $2500.00
Covered:
- Repair or replacement necessary to remedy a leak, break, tear, or rupture which occurs as a result of normal wear and tear or inherent defects in material or craftsmanship in your Outside Water Line
- Outside Water Line is defined as, water piping that connects from the dwelling to a public water supply system; a single water supply line from the curb box to the inlet valve of the meter located inside your home
- If the meter is located outside your home, the Outside Water Line includes the water line from the outlet of the meter to the exterior of the foundation of your home
Not Covered:
- Failures caused by insurable events
- Lines that are not leaking
- Supply line connected to a well
- Piping that runs through or under a body of water, including but not limited to a swimming pool, pond or lake
- Failure caused by tree roots
- Failures caused by freezing of pipes
- Piping that runs through or under the dwelling or other structure
- Upgrade to any line
- Meters or movement of any meter
- Concrete encased lines
- Piping that is not connected and ready for use
- Storm water drain piping
- Outside water line, that has a blockage or low pressure
- Connections or extensions
- Any water lines not leading directly to the dwelling or branches off the main line
Outside sewer line
Limit Amount: $2500.00
Covered:
- Repair or replacement necessary to remedy a leak, break, tear, or rupture which occurs as a result of normal wear and tear or inherent defects in material or craftsmanship in your Outside Sewer Line
- Outside Sewer Line is defined as a single sewage drain line located outside your home that collects and conveys raw sewage from individual house drains out to the utility or public-owned sewer main line or septic tank
Not Covered:
- Failures caused by insurable events
- Lines that are not leaking
- Clean up or remove of pollutants, hazardous material, waste or sewage
- Piping that runs through or under a body of water, including but not limited to, a swimming pool, pond or lake
- Failure caused by tree roots
- Failures caused by freezing of pipes
- Piping that runs under the dwelling or other structure
- Storm water drain piping
- Upgrade to any line
- Meters or movement of any meter
- Concrete-encased lines
- Lines that have a blockage or low pressure
- Connections or extensions
- Any piping that is not leading directly to the dwelling or any piping that branches off the main line
Pool
Limit Amount: $500.00
Covered:
- Coverage applies to above ground, accessible, working components, pumping, and filtration system as follows:
- Pump
- Motor
- Filter
- Filter timer
- Gaskets
- Blower
- Timer
- Valves, limited to back flush, actuator, check, 2-way and 3-way valves
- Relays and switches
- Pool sweep motor and pump
- Above ground plumbing pipes and wiring, excludes portable or above ground spas, and pools
Not Covered:
- Portable or aboveground spas and pools
- Automatic feeders and chemicals
- Chlorinators and ionizers
- "Creepy crawlers" and similar cleaning units
- Electrical lines
- Filter elements or media (e.g., cartridges, grids and sand)
- Heater
- Lighting
- Pop up-heads and turbo valves
- Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment
- Auxiliary pumps
- Skimmers
- Liners
- Salt-water generators and components
- Remote control systems
- Noise
- Pool sweeps
- Ornamental fountains, waterfalls and their pumping systems
- Lights
- Solar heaters and related components
- Freon reclamation
- Disposable filtration mediums
- Structural and/or cosmetic defects
- Fill line and fill valves
- Liner or shell of the pool
- Heat pump
- Underground water, gas, and electrical lines
- Dehumidifiers
- Timer systems
- Underground and/or concrete encased plumbing
- Pool cover and related equipment
- Damage due to lack of general maintenance or improper chemical balance
- Jets
- Electronic/computerized controls and/or control panels
- Fuel storage tanks
- Multi-media centers
- Cost of access to make repairs or replacements are not covered
Spa
Limit Amount: $500.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear
- Covered mechanical parts and components include only the following
- Above ground accessible plumbing lines leading to and from unit
- Air pumps
- Blower motor
- Filters (free-standing 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:
- Automatic feeders and chemicals
- Chlorinators
- "Creepy crawlers" and similar cleaning units
- Electrical lines
- Filter elements or media (e.g., cartridges, grids and sand)
- Lighting
- Pop-up heads and turbo valves
- Freon reclamation
- Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment
- Skimmers
- Remote control systems
- Fountain and waterfall pumps
- Solar heaters and related components
- Structure, liner or shell of the pool
- Noise
- Timer systems
- Underground and/or concrete encased plumbing
Water softener
Limit Amount: $650.00
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear of basic single and twin water softener units, including central head assembly; piping to and from unit(s) and system tanks
Not Covered:
- Any treatment, purification, odor control, iron filtration components and systems
- Discharge drywells
- Failure due to excessive water pressure or freeze damage
- Noise
- Failures due to mineral and/or sediment
- Resin bed replacement
- Salt are not covered
Roof leaks
Limit Amount: $1000.00
Covered:
- Leaks that occur in the roof of the structure covered by the Agreement, provided the leaks result from rain water penetrating the roof due to normal wear and deterioration of the building materials covering the roof
Not Covered:
- Leaks that occur in a deck or balcony when that deck or balcony serves as the roof of the structure below
- Leaks in patio, porches, or detached garages
- Leaks that result from or that are caused by roof-mounted installations, including skylights
- Un-workmanlike construction or repairs
- Missing or broken shingles or tiles
- Holes made in roof, including but not limited to display of decorative lighting
- Foam roofs
- Structural collapse due to earthquake, rot, or improper design
- Leaks that result from or are caused by persons walking or standing on the roof
- acts of G-d
- leaks manifested prior to the effective date of this Agreement
- structural leaks or leaks at, adjacent to, or caused by, including but not limited to appendages of any kind including gutters, downspouts, flashing, patio covers, solar equipment, vents, heating or cooling equipment, antennas, chimneys, built-up roofs
- Failure to perform normal or preventative maintenance to the roof or gutters will not be covered
- Under no circumstances will HSC be liable for consequential damages caused by leaks from a roof of a covered property
Sprinkler
Limit Amount: $750.00
Covered:
- Repair or replacement necessary to remedy a leak, break, tear, or rupture which occurs as a result of normal wear and tear in your Sprinkler System / Home Irrigation System
- Coverage for Sprinkler System / Home Irrigation System is defined as an underground (subsurface) water line irrigation system buried at a depth of twelve (12) inches or less, which supplies water from your home and delivers water to the sprinkler heads attached to the sprinkler / home irrigation lines
Not Covered:
- Failure caused by: not winterizing
- Backflow preventers
- Insurable events
- Lines that are not leaking
- Lines connected to a well
- Negligence
- Vandalism
- Excavations
- Defects or insufficiencies resulting from decrease in water main static pressure
- Changes to landscaping
- Changes to plant growth
- Sprinkler heads
- Control systems
- Subsurface condition that obstructs the line
- Lines that run through or under a body of water, dwelling, structure, sidewalks, driveways
- Flaws in system design
- Failure caused by tree roots
- Upgrade or additions to any line
- Meters or movement of any meter
- Concrete encased lines
- Lines that are not connected and ready for use
- Lines that have a blockage or low pressure
- Fire sprinkler systems
- Failure caused by natural disaster
- Failure caused by you or a third party
- Lines not in good working order, without any leaks or failures, at the effective date of the home warranty
- Lines not located on land you own
Water heater
Limit Amount: Unknown
Well pump
Limit Amount: Unknown
Covered:
- The repair or replacement of components and parts that malfunction due to normal wear and tear of a well pump utilized as the main source of water to the home
Not Covered:
- Well pump and well pump components for geothermal and/or water source heat pump
- Holding or storage tanks
- Pressure tanks
- Failure attributed to well impurity
- Damage due to low water table
- Contamination or lack of water
- Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing
- Well casings
- Pressure switches not located on the pump
- Holding, booster pumps
- Predrilling of wells
- Joint wells
- Excavation or other charges necessary to gain access to remove and/or repair well pump system
- Systems used partially or wholly for irrigation or agricultural purposes
Pump
Limit Amount: Unknown
Microwave
Limit Amount: Unknown
Stand-alone freezer
Limit Amount: $550.00
Covered:
- Belts
- Compressor
- Condensers
- Control timers
- Defrost heaters
- Electronic components
- Evaporators
- Fan motors
- Hoses
- Internal wiring
- Motors
- Power cords
- Pumps
- Pulleys
- Ram assembly
- Switches and relays
- Solid-state control boards
- Thermostats
Not Covered:
- Ice and beverage dispensers
- Buckets
- Commercial units
- Drawers
- Door seals
- Drip pans
- Filters and screens
- Food spoilage
- Icemaker
- Interior lining
- Internal shelves
- Knobs and handles
- Light bulbs and fixtures
- Latch assemblies
- Touch pads
- In addition, water valves
- Lock and key assemblies
- Panels and/or cabinetry
- Racks
- Removable mini-tubs or buckets
- Noise
- Hinges
- Secondary units
- Shelves
- Springs
- Stopped-up drain lines
- Structural components
- Cosmetic problems, such as chipping, dents, or scratches
- Trays
- Venting
- Water flow restrictions due to mineral deposits, such as, but not limited to, lime
Oven
Limit Amount: Unknown
Dishwasher
Limit Amount: Unknown
Refrigerator
Limit Amount: Unknown
Total Home Guard plan
Level:
Platinum
Type:
Combo
$800
$75
$500 - $2,500
77%
Details
Total Home Guard plan
Rating: 96.50
Level:
Platinum
Type:
Combo
Deductible
$75
Limit
$500 - $2,500
Premium(Year)
$800
Coverage
77%
Details
Included in this coverage plan
Heating system
Limit Amount: $2500.00
Covered:
- All components and parts necessary for the operation of the heating system
- One Circulating Pump
- Annually, reversing valves, freon lines
- For units below 13 SEER and when we are unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Outside or underground piping
- Components for geothermal and/or water source heat pumps
- Re-drilling of wells for geothermal and/or water source heat pumps, and well pump components for geothermal and/or water source heat pumps
- Radiators or valves
- Baseboard casings
- Radiant heating
- Dampers
- Valves
- Fuel storage tanks
- Portable units
- Solar heating systems
- Fireplaces and key valves
- Filters
- Line dryers and filters
- Oil filters, nozzles, or strainers
- Registers
- Backflow preventers
- Evaporator coil pan
- Primary or secondary drain pans
- Grills
- Clocks
- Timers
- Add-ons for zoned systems - Heat lamps - Humidifiers Flues and vents
- Improperly Sized heating systems
- Mismatched Systems
- Chimneys
- Pellet Stoves
- Cable Heat (in ceiling)
- Wood/coal/pellet units (even if only source of heating)
- Calcium build-up
- Routine maintenance
Air conditioner
Limit Amount: $2500.00
Covered:
- Ducted electric central air conditioning, ducted electric wall air conditioning
- All components and parts, for units below 13 SEER and when we are unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Gas air conditioning systems
- Condenser casings
- Registers and Grills
- Filters
- Electronic air cleaners
- Window units
- Non-ducted wall units
- Water towers
- Humidifiers
- Improperly sized units
- Chillers
- All exterior condensing, cooling and pump pads
- Roof mounts, jacks, stands or supports
- Condensate pumps
- Commercial grade equipment
- Cost for crane rentals
- Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications
- Improper use of metering devices
- Thermal expansion valves
- Refrigerant conversion
- Leak detections
- Water leaks
- Drain line stoppages
- Noise
- Geothermal piping and wells
- Electrical supply
Water heater
Limit Amount: $500.00
Covered:
- All components and parts, including circulating pumps
Not Covered:
- Access
- Insulation blankets
- Pressure reducing valve
- Sediment build-up
- Rust and corrosion
- Main, Holding or storage tanks
- Vents and flues
- Thermal expansion tanks
- Low boy and/or Squat water heaters
- Solar water heaters
- Solar components
- Fuel, holding or storage tanks
- Noise
- Energy management systems
- Commercial grade equipment and units exceeding 75 gallons
- Drain pans and drain lines
Plumbing
Limit Amount: $1600.00
Covered:
- Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
- Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals
- Valves for shower, tub, and diverter angle stops, rinses and gate valves
- Permanently installed interior sump pumps
- Built-in bathtub whirlpool motor and pump assemblies
- Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
- Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
- Stoppages and clogs in drain and sewer lines, (including auxillary sewage waste lines or shared waste lines) that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
- Access to drain or sewer lines from vent or removal of water closets
- Cost to locate, access or install ground level clean out
- Slab leaks
- Polybutylene or Quest piping
- Galvanized drain lines
- Hose Bibs
- Drum traps
- Flange
- Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
- Faucets, fixtures, cartridges, shower heads & shower arms
- Baskets and strainers
- Popup assemblies
- Bathtubs and showers
- Cracked porcelain
- Glass
- Shower enclosures and base pans
- Roman tubs
- Bath tub drain mechanisms
- Sinks
- Toilet lids and seats
- Cabling or grouting
- Whirlpool jets
- Whirlpool control panel
- Septic tanks
- Sewage ejector pumps
- Water softeners
- Pressure regulators
- Flood Control Gate or Check valves
- Stoppage Due to Main Line Collapse
- Caulking
- Shower Enclosures
- Tile
- Water Filtration Systems
- Water Softener
- Iron Breakers
- Sink Replacement
- Pressure Regulating Valves
- Inadequate or excessive water pressure
- Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
- Holding or storage tanks
- Saunas and/or steam rooms
Electrical
Limit Amount: $1600.00
Covered:
- All components and parts, including built-in bathroom exhaust fans
Not Covered:
- Carbon monoxide alarms, smoke detectors, detectors or related systems
- Intercoms and doorbell systems associated with intercoms
- Fixtures and lamps
- Smart home and communicating devices
- Inadequate wiring capacity
- Solar power systems and panels
- Solar Components
- Energy Management Systems
- Direct current (D.C.) wiring or components
- Attic exhaust fans
- Commercial grade equipment
- Auxiliary or sub panels
- Broken or severed wires
- Rerunning of new wiring for broken wires
- Wire tracing Garage door openers
- Central vacuum systems
- Damage due to power Failure or surge
- Circuit overload
Ductwork
Limit Amount: $1600.00
Covered:
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including registers or grills
Not Covered:
- Registers and grills
- Insulation
- Vents, flues and breaching
- Ductwork exposed to outside elements
- Improperly sized ductwork
- Separation due to settlement and/or lack of support
- Damper motors
- Air cleaner cabinets
- 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
Washer
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Noise
- Plastic mini-tubs
- Soap dispensers
- Filter screens
- Knobs and dials
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Dryer
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Noise
- Venting
- Lint screens
- Knobs and dials
- Doors
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Refrigerator
Limit Amou