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Cooling System Coverage

30 Day Money Back Guarantee

  • Why You Should Get a Plan

    Most central A/C components cost $300-$400 to replace.*

    How a cooling system failure can affect your home:

    • circuit board failure can cause the breaker to keep tripping
    • bad condenser can cause the fan to blow but not cool

    Your cooling system is complex and can weaken over time due to damage caused by normal wear and tear, age or lack of regular maintenance. It is normally located in the basement or outside and require a specialized technician for repairs, which can cost hundreds of dollars.

    *National average repair costs as of March 2018. No charge for covered repairs up to your annual benefit amount.

  • What's Covered
    • Capacitors and circuit boards
    • Internal fuses or breakers
    • Condensate pumps
    • Condenser motor and fan
    • Contactor switches and delay timer
    • Fan controls, relays and filter dryer
    • High and low pressure switches
    • Limit controls
    • Refrigerant (excluding maintenance recharges)
    • Relays, transformers and valves
  • Benefits
    • $2,000 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
  • Overview

    A lot can go wrong with your central A/C system. Drains can clog, motors can burn out, and fuses can blow. Cooling system problems can occur unexpectedly, and it may be your responsibility to keep your central air conditioning functioning properly. Let a repair plan from Home Emergency Insurance Solutions help protect you from the expense and bother of emergency home repairs.

    Eligible homeowners who enroll in this plan can receive up to $2,000 annually for covered repairs with multiple service calls. Capacitors, circuit boards, internal fuses, breakers, condensate pumps, condenser motors and fans, and contactor switches are among the covered parts. Don’t sweat high repair costs with a Cooling System Coverage repair plan.

Important coverage information

Eligible

  • A single structure or a single unit within a structure, owned by you, used and zoned only for residential occupancy that is not intended to be moved
Additional limitations apply. See more. See less

Not Eligible

  • Recreational vehicles or homes on wheels and properties used for commercial purposes
  • If you are aware of any pre-existing conditions, defects or deficiencies with your cooling system prior to enrollment, or if you have a cooling system that uses refrigerant other than R-22 or similar, R-410a or has non-compliant components, or is a capacity exceeding five tons; ammonia cooling, window, through the wall, hanging, geothermal heat pump or combination ambient heat/domestic hot water heating unit
Additional limitations apply. See more. See less

Exclusions

  • 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; thermostat wiring; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply.
Additional limitations apply. See more. See less
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 cooling system you own, you must designate at enrollment the system your plan covers, or the plan will cover the first system 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 before enrollment; your system is shared with a 3rd party or covered by a homeowners' association or the like; uses refrigerant other than R-22 or similar, R-410a; has non-compliant components; exceeds 5 tons capacity; 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. 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 following broken or failed 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: 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: 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; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply. You agree to resolve disputes related to this plan by arbitration or in small claims court, without resort to class action or jury trial.
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 and is billed monthly through your utility bill. HomeServe is an independent company separate from your utilities company.

Frequently asked questions

When can I make a service call?
Your plan starts the day your order is processed, and 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), you will not be subject to a waiting period.
What's covered?
Coverage provides, up to the applicable benefit limit, to repair or replace the following broken or failed 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: 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.
What's not covered?
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; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply.

HomeServe NA Insurance Services (“HomeServe”), also known as Home Emergency Insurance Solutions, California License #0F79326, with corporate offices located at 601 Merritt 7, 6th Floor, Norwalk, CT 06851, is an independent company separate from California Water Service and offers and administers this optional home protection plan as an authorized representative of AMT Home Protection Company, 800 Superior Avenue, Cleveland, Ohio 44114, the protection plan issuer.

Cooling System Coverage for only $12.99/mo.

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