Buy A Home Service Contract
Warranty Basic
Core Systems: HVAC, plumbing, electrical, water heaters.
Major Appliances: Fridge, oven/range, dishwasher, washer/dryer etc.
Custom Add-Ons: Pools, spas, septic systems, etc.
Frequently Asked Questions
Frequently Asked Questions
If you don’t see your question here, feel free to reach out to our support team — we’re always here to help you protect your home and provide peace of mind.
A home service contract provides service, repair or replacement on a home’s major systems and appliances for a usual term of one year, though some companies offer monthly or other terms.
In 2012, the NHSCA began issuing an NHSCA company code number or “Co-Code” to all members. This alllows you to easily distinguish one company from another and assure you are dealing with a reputable and registered member of the home service contract industry.
Generally, any failure of your covered home appliance or covered home system that fails due to normal wear and tear.
Currently one may find a range from approximatley $35 to $100 depending on your area of the country.
Basic and optional coverage varies from company to company with some regional variances. Home service contracts are specific and do not include everything in your house and most do not cover home foundations, walls, structure or finish. Typical covered systems and appliances generally include:
- Interior Plumbing
- Heating System
- Electrical System
- Water Heater
- Ductwork
- Dishwasher
- Oven/Range/Cook-top
- Garbage Disposal
- Garage Door Opener
- Air Conditioning (may be found as an option)
- Refrigerator (may be found as an option)
- Washer/Dryer (may be found as an option)
- Pool Equipment (optional)
- Spa Equipment (optional)
NO. Insurance policies undertake to indemnify or pay economic dollar loss for damage or liability from unknown or fortuitous events. Insurance pays when appliances or homes are damaged from perils such as fire, water, flood, windstorm, collision or outside forces causing breakage from an accident, such as a tree falling on your house. Insurance covers your dollar liability to others when you are accused or found liable for an accident, negligence or damage to others or others property. Insurance never pays for breakdown of goods or property from normal wear and tear. In this sense, home service contracts are the exact opposite of insurance. Home service contracts compliment an insurance plan, they do not substitute for one.
For a summary on the history of service contract regulation in the United States, click here. Legislators, insurance regulators and attorneys may find this of interest.
NO. Home service contracts are not insurance. There usually will be a service call fee as explained above.
