30 Day Money Back Guarantee
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Why You Should Get a Plan
Replacing a faulty 200 amp electrical panel, repairing interior wiring and replacing faulty and damaged GFCI outlets can cost an average of $1,884‡.
Problems with your interior electrical wiring can cause:
- faulty outlets and wall switches
- partial or full home "blackout"
- shorts in wiring causing fixtures to stop working or lights to flicker
As a homeowner, you may be responsible for the interior electrical system in your home, and you may need to arrange and pay for any necessary repairs. This illustration shows repairs that are performed on this system and how much licensed and insured electricians would typically charge. ‡National average repair costs as of January 2023.
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What's Covered
- Disconnect boxes and all wiring, breakers and switches contained within them
- Fuse box
- Switches
- Outlets
- Breaker panel
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Benefits
- $2,500 annual benefit amount
- Multiple service calls up to annual benefit
- 30-day wait period with a money-back guarantee
- One-year guarantee on all covered repairs
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Overview
Old or faulty wiring, such as failed electrical outlets, sockets and fittings, breaker panels and fuse boxes, can cause problems around your house. Finding qualified help for emergency repairs can be time-consuming and expensive.
Power up your protection against indoor wiring breakdowns with a repair plan called Interior Electrical Line Coverage. This optional coverage provides up to $2,500 in annual coverage with multiple service calls. Protect yourself from the high cost of repairs with a home service repair plan from HomeServe.
Important coverage information
Eligible
- An owner of a residential single structure, or a unit within a structure, that is not intended to be moved
Not Eligible
- If your property is used for commercial purposes; you know of any current problems with your interior electrical system before enrollment; your interior electrical system is shared with a 3rd party or covered by a homeowners’ association or the like; or your electrical services entrance is rated less than 80 amps
Exclusions
- Service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; appliances; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply.
Eligibility: An owner of a residential single structure, or a unit within a structure, that is not intended to be moved may be eligible for coverage. If you own a multi-family home or multiple housing units, you must provide the specific mailing address for each service agreement you purchase. You are not eligible if your property is used for commercial purposes; you know of any current problems with your interior electrical system before enrollment; your interior electrical system is shared with a 3rd party or covered by a homeowners’ association or the like; or your electrical services entrance is rated less than 80 amps. In IA, properties with more than 4 dwelling units are not eligible.
Benefit Details: Coverage provides, up to the applicable benefit limit, to repair or replace the broken, failed or hazardous high voltage wiring from and including the breaker panel or fuse box, up to and including switches and outlets, and disconnect boxes and all wiring, breakers and switches contained within them, for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence.
Not covered: Service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; appliances; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply. Disputes resolved by arbitration, without class action or jury trial, unless otherwise stated in your full Terms and Conditions.
Making a Service Call: Your plan starts the day your enrollment is processed. There is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), there is no waiting period.
Cancellation: Cancel any time by calling HomeServe. If you cancel within 30 days of your start date, you will get a full refund (less claims paid, where applicable). Cancellations after the first 30 days will result in a pro-rata refund (less claims paid, where applicable).
Renewal:The plan is annual. Unless you cancel, your plan automatically renews annually at the then-current renewal price with your same payment terms.
Benefit Details: Coverage provides, up to the applicable benefit limit, to repair or replace the broken, failed or hazardous high voltage wiring from and including the breaker panel or fuse box, up to and including switches and outlets, and disconnect boxes and all wiring, breakers and switches contained within them, for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence.
Not covered: Service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; appliances; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply. Disputes resolved by arbitration, without class action or jury trial, unless otherwise stated in your full Terms and Conditions.
Making a Service Call: Your plan starts the day your enrollment is processed. There is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), there is no waiting period.
Cancellation: Cancel any time by calling HomeServe. If you cancel within 30 days of your start date, you will get a full refund (less claims paid, where applicable). Cancellations after the first 30 days will result in a pro-rata refund (less claims paid, where applicable).
Renewal:The plan is annual. Unless you cancel, your plan automatically renews annually at the then-current renewal price with your same payment terms.
Frequently asked questions
When can I make a service call?
Your plan starts the day your enrollment is processed. There is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), there is no waiting period.
What's covered?
Coverage provides, up to the applicable benefit limit, to repair or replace the broken, failed or hazardous high voltage wiring from and including the breaker panel or fuse box, up to and including switches and outlets, and disconnect boxes and all wiring, breakers and switches contained within them, for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence.
What's not covered?
Service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; appliances; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply.
HomeServe USA Repair Management Corp. (“HomeServe”), with corporate offices located at 601 Merritt 7, 6th Floor, Norwalk, CT 06851, is an independent company separate from Palmetto Electric Cooperative and offers this optional service plan as an authorized representative of the service contract provider, North American Warranty Inc., 175 West Jackson Blvd., 8th Floor, Chicago, IL 60604. Your choice of whether to purchase this service plan will not affect the price, availability or terms of service from Palmetto Electric Cooperative. Palmetto Electric Cooperative and HomeServe entered into an agreement to introduce these plans to Palmetto Electric Cooperative members.
Interior Electrical Line Coverage for only $5.99/mo.