Heating and Cooling System Coverage

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 do not buy a plan for every heating or cooling system you own, you must designate at enrollment the system(s) your plan covers, or the plan will cover the first system(s) for which you make a service call. 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 system(s) before enrollment; your system(s) is shared with a 3rd party or covered by a homeowners' association or the like; if you have a furnace or boiler rated at inputs of 400,000 Btu/hr. or more; or a rooftop, through-the-wall, hanging, geothermal heat pump, combination ambient heat/domestic hot water heating or oil unit; or if your cooling system uses refrigerant other than R-22 or similar, R-410a or has non-compliant components; capacity exceeding 5 tons; or is an ammonia cooling, window, through the wall, hanging, geothermal heat pump or combination ambient heat/domestic hot water heating unit; or is not installed according to manufacturer specifications.
Benefit Details: Coverage provides, up to the applicable benefit limit, to repair or replace the following natural gas, propane, electric central forced-air or circulating hot water central heating system and electric central air conditioning system parts for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence: Heating System: air scoops, aquastat, barometric damper, belts, pulleys, blower motors, blower assemblies, circuit boards, circulators, ECO safeties, fan controls, limit controls, fusible links, gas valves, ignition controls, induced draft motor, blower, low water cutoff, main burners, pilot burners, pilots, thermocouples, pressure switches, regulator valves, relays, spill switches, and transformers. Cooling System: Capacitors, circuit boards, internal fuses, breakers, condensate pumps, condenser motor, condenser fan, contactor switches, delay timer, fan controls, fan relays, filter dryer, high and low pressure switches, limit controls; refrigerant, relays, transformers, and valves.
Not covered: Damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Heating System: Air ducts, registers, air filters; zoning components and electronics, electronic air cleaners, flue venting, humidifiers, thermostats, air balancing, chimney maintenance or repairs, heating jacket, asbestos or other insulation; heat exchangers, leaking boilers, boiler distribution piping, radiators. Cooling System: Air ducts, A/C coils, registers, grills, asbestos coverings, balancing of system, wiring and parts external to the unit, compressors or chillers, condenser casings, condenser coils, evaporator coils, metering systems/TXV valves, thermostats or thermostat wiring. Additional exclusions apply.
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, providing 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), there is no waiting period.
Cancellation: Cancel any time by calling Home Emergency Insurance Solutions. 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.