Coverage overview
Coverage depends on the plan you choose. Below is a clear overview of common categories, typical limits, and how exclusions work.
Coverage categories
Plans may include one or more of the categories below (details vary by plan):
Major systems
Heating, A/C, plumbing systems, electrical systems, and other essential components.
Major appliances
Kitchen and laundry appliances such as refrigerators, ovens/ranges, dishwashers, washers, and dryers.
Optional add-ons
Expanded options available on select plans, subject to additional terms and limits.
What’s typically covered
Examples of covered breakdown events are defined by your service agreement.
Mechanical failures
Breakdowns caused by normal wear, subject to plan definitions and exclusions.
Electrical failures
Certain electrical components may be covered when they fail as defined by your plan.
Plumbing issues
Covered plumbing system failures may include specific components and conditions listed in your agreement.
Common exclusions
These are examples only; your agreement contains the full list.
Maintenance & non-breakdowns
Routine maintenance, cleaning, tune-ups, and issues that are not breakdown-related are commonly excluded.
Improper installation / modification
Improper installation, mismatched sizing/capacity, or unauthorized modifications are commonly excluded.
Pre-existing conditions
Conditions that existed prior to coverage effective date are typically excluded.
Commercial / professional equipment
Commercial or professional-grade equipment is excluded unless explicitly included.
How limits work
Most plans include limits by item, system, or contract term.
Service call fee
A service call fee may apply per trade visit. Exact fees are disclosed before enrollment.
Coverage caps
Certain repairs may have maximum allowances per item or per contract term.
Authorization
Covered repairs require authorization based on diagnosis and plan terms.
Want plan-specific coverage details?
Get plan options and the exact coverage summary for your property.