What's Covered

Environmental efficiency upgrades

If your home is like most, the energy you use to power it is one of your biggest household expenses. So, when a home system or appliance breaks down, you may want to replace it with a something more efficient. Home Systems Protection will pay up to 150% of the payable loss for your failed equipment or system if you upgrade to one that is more energy or water efficient, environmentally friendly or safer for people.

Expediting expense

Some repairs are more urgent than others and speed is critical. With expediting coverage, you are covered for temporary repairs and the costs you incur for expediting permanent repairs or replacement.

Loss of use

There are some breakdowns that make a home uninhabitable. There’s no choice but to leave your home and find another place to live while repairs are being made. If the breakdown that causes this problem is covered, Home Systems Protection pays fair rental value or additional living expenses you incur as a result. An accident and added inconvenience of vacating your home is very stressful. Having this additional expense covered can be a big relief.

Physical damage

If any of your covered equipment is physically damaged due to a sudden, accidental breakdown - mechanical or electrical - insurance pays for the cost to repair or replace it. Payment includes labor and parts or the new replacement. It can cost thousands to repair or replace essential home equipment such as a furnace, appliances and electronics such as refrigerators and entertainment systems and service lines buried under your property. Check your policy for deductibles and limits.

Spoilage

When your refrigerator or freezer breaks down, one of your losses is spoiled food, supplements or even medicine. This can add up to a lot of money. Without coverage, spoilage is just a loss. But Home Systems Protection covers not only the repair or replacement of your covered refrigerator, freezer or other temperature-controlled storage unit, it also pays for perishables lost due to the equipment failure.


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