Premium Home Protection Plan

Eligibility: To be eligible, you must own the residential single structure and the land it’s on. If you own a multi-family home or multiple housing units, provide the mailing address for each service agreement. You are not eligible if your home is a recreational vehicle, intended to be moved, or used for commercial purposes; you know of any current problems with your system(s) at enrollment; your system(s) was not installed per code; or your entire system(s) is shared with a 3rd party or covered by an association. Exterior Sewer/Septic Line: Lines that have had any roots removed or failed a smoke or dye test, camera inspection or any other proactive test without resolution prior to enrollment are not eligible for this portion of coverage. Exterior Electric: If your exterior wiring is underground, you have to own the land your structure is on. If your exterior wiring is overhead, you do not have to own the land your structure is on. Water Heater Repair and Replacement: Water heaters that are commercial grade, larger than 100 gallons, are installed on a roof, or are tankless, solar, geothermal, oil, electric hybrid (also known as a heat pump water heater), hanging tank-based, or combination home heating/domestic hot water units are not eligible for this portion of coverage. Cooling System: Cooling systems that have non-compliant components; exceed 5 tons capacity; are installed on a roof, or are ammonia cooling, geothermal heat pump, ductless, window, through the wall or hanging units are not eligible for this portion of coverage. Heating System: Heating systems that have a furnace or boiler rated at inputs of 400,000 Btu/hr. or more; are installed on a roof, or are through-the-wall, hanging, geothermal heat pump, combination ambient heat/domestic hot water heating or oil units are not eligible for this portion of coverage.
Benefit Details: Coverage provides, up to the applicable benefit limit, to repair or replace one of each of the following system(s), for which you have sole responsibility, that has experienced an operational failure and is damaged due to normal wear and tear, not accident or negligence. Exterior Water Line: The water line from your utility’s responsibility or external wall of your well casing to the water meter or main shut-off valve inside your home. Repair or replacement of non-functioning stop boxes, shut-off valves, pressure reducing valves and backflow prevention devices is also included. Exterior Sewer/Septic Line: The sewer line from the external wall of your home up to your utility’s responsibility, or septic line from the external wall of your home up to the point of connection to the septic tank on your property, including branch drains from the point they exit the home to the point they re-enter the home. Repair or replacement of non-functioning backflow prevention devices is also included. Interior Plumbing and Drainage: The plumbing and drainage lines in your home. Exterior Electric: The broken, frayed (in the case of wiring) or hazardous permanent electrical wiring, including the ground wire and service entrance conductor between your utility’s responsibility and the exterior wall of your home; meter base (if provided by your utility, we will install it); exterior breaker panel/fuse box, weatherhead, insulator, conduit and riser; and wiring to detached garages, secondary buildings/pools, and outdoor outlets/lighting/fixtures/fittings connected to your system. Repair of broken or hazardous outdoor outlets and lighting fittings/fixtures on your property that are connected to your system are also covered. Interior Electric: The broken, frayed (in the case of wiring) or hazardous permanent electrical wiring from the service entrance wiring at the weatherhead or tap underground up to the switches and outlets in your home. The breaker panel/fuse box (inside or outside), switches and outlets in your home, and disconnect boxes and all wiring, breakers and switches contained within them are also covered. Water Heater Repair and Replacement: The water heater fueled by natural gas, propane, or electricity. Cooling System: The following broken or failed parts of a central forced-air system fueled by electricity: 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; up to 1 pound of refrigerant, relays, transformers and valves. Coverage provides for repairs or replacement of parts only. Your system will not be replaced. Heating System: The following broken or failed parts of a central forced-air furnace or circulating hot water system fueled by natural gas, propane, or electricity: 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. Coverage provides for repairs or replacement of parts only. Your system will not be replaced. Gas Line: The gas line from your utility’s responsibility or external propane tank outlet connection up to and including the appliance connectors located either inside or outside your home, and extension gas lines that exit your home up to and including the appliance connectors. Pressure regulating devices are also covered.
Not covered: Remediating or notifying you of mold or hazardous materials, any sections/parts not installed properly, repairs or replacement protected under other coverage, and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances (such as natural disasters). Additional exclusions apply. Disputes resolved by arbitration, without class action or jury trial, unless otherwise stated in your full Terms and Conditions. If costs on covered repairs exceed the benefit limit, you pay the difference. Technicians must have safe access to the work area. You will not be reimbursed for repairs performed by anyone not authorized by HomeServe. Exterior Water Line: Frozen lines, any tanks or appliances, lines that have failed a proactive inspection or test when no operational failure has occurred, branch lines. Additional exclusions apply. Exterior Sewer/Septic Line: Non-conforming drain lines, septic/collection tanks, leaching fields, grinder pumps, lines that branch off and do not connect back to the primary system. Additional exclusions apply. Interior Plumbing and Drainage: Non-conforming drain lines; appliances, fittings, fixtures, hose bibbs, vent stacks, pressure reducing valves, backflow prevention devices, fire suppression and other sprinkler systems, irrigation systems, distribution piping such as for radiators and heating systems, condensate drain lines for cooling systems, pumps, or grinders; frozen pipes. Additional exclusions apply. Exterior Electric: Damage or failure due to disconnection or interruption to the main electrical supply; transformers; repair of wiring connected to or any part of the following: doorbells, smoke detectors, garage doors, and thermostats and similar type systems; generators; non-utility supplied power and/or lines; appliances; meter pedestals; pool heaters. The meter that measures the amount of electricity used is not covered by this plan, but it may be covered by your utility. Additional exclusions apply. Interior Electric: Appliances, 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; repair of wiring connected to or any part of the following: doorbells, smoke detectors, garage door systems, thermostats and similar type systems. Additional exclusions apply. Water Heater Repair and Replacement: Jacket and interior doors, heat exchangers, exhaust venting, expansion tanks, non-flexible gas and water supply and delivery piping, electrical service wiring, damage due to restricted lines or water pressure over 80 P.S.I. For replacement, a change in fuel type is not covered. There is a 90-day wait before you can make a replacement service call. Additional exclusions apply. Cooling System: Air ducts, a/c coils, registers, grilles, 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, refrigerant for maintenance recharges, more than 1 pound of refrigerant, thermostats, thermostat wiring, refrigerant conversions; disconnect boxes and all wiring, breakers and switches contained within them. Additional exclusions apply. Heating System: Air ducts, registers, air filters, zoning components and electronics, electronic air cleaners, flue venting, humidifiers, thermostats, thermostat wiring, air balancing, chimney maintenance or repairs, heating jacket, asbestos or other insulation; heat exchangers, leaking boilers, boiler distribution piping, radiators. Additional exclusions apply. Gas Line: Meter moves or replacements except when required by local code, appliances, fixtures, systems not supplied by a utility or propane provider, appliance regulators. Additional exclusions apply.
Making a Service Call: You can make a service call immediately after your plan starts, which is 30 days after your enrollment is processed. Upon renewal/restart (if applicable), you can make a service call immediately. Water Heater: There is a 90-day wait before you can make a replacement service call.
Cancellation: Cancel your plan any time by calling HomeServe or visiting www.homeserve.com/cancel. If you cancel within 30 days before your plan start date, you will not be charged. If you cancel within 30 days after the plan start date, you will get a full refund (less benefits paid). If you cancel 31 or more days after the plan start date, you will get a pro-rata refund (less benefits paid). Upon renewal/restart, you can cancel any time and you will get a pro-rata refund (less benefits paid).
Renewal: The plan is annual. Unless you cancel, your plan automatically renews annually at the then-current renewal price with your same payment terms.