Snapping Shoals EMC has partnered with HomeServe,* an independent company, to provide their members affordable emergency repair plans that help protect against costly and inconvenient covered repairs to systems through their homes and properties. Snapping Shoals EMC and HomeServe entered into an agreement to introduce these plans to Snapping Shoals EMC members.

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Key Plan Details
As a homeowner, you are responsible for some components of the exterior electrical system on your property, and you must arrange and pay for any necessary repairs. This illustration shows the location of some of these components. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Exterior Electrical Line

$ 5.99 PER MONTH

Covered Systems

  • Exterior Electrical Line

Annual Benefits

  • $5,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • Meter base
  • Insulator
  • Riser
  • Permanent wiring overhead
  • Permanent underground wiring
  • Functional frayed wiring

Eligibility

  • Eligible

    To be eligible, you must own the residential single structure

    If your exterior wiring is underground, you must own the land your structure is on

    If your exterior wiring is overhead, you are not required to own the land your structure is on

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    Your property is used for commercial purposes

    You know of any current problems with your exterior electrical system before enrollment

    Your exterior electrical system is shared with a 3rd party or covered by a homeowners’ association or the like

  • Exclusions

    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 door systems, and thermostats and similar type systems, generators, non-utility supplied power and/or lines, appliances, meter pedestals, pool heaters, fixtures or fittings, lines to detached garages, secondary buildings, or any structure other than your home and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. The meter that measures the amount of electricity used is not covered by this plan, but it may be covered by your local utility. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 5.99 /mo.

Covered Systems:

  • Exterior Electrical Line

Annual Benefit Amount:

  • $5,000 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Key Plan Details
As a homeowner, you may be responsible for the water service line on your property, and you may have to arrange and pay for any necessary repairs. This illustration shows repairs that are performed on this line and how much licensed and insured plumbers would typically charge. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Exterior Water Service Line

$ 5.99 PER MONTH

Covered Systems

  • Exterior Water Service Line

Annual Benefits

  • $10,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • Excavation to expose pipe
  • Pipe replacement or repair
  • Repair or replacement of seals and joints
  • Unblocking
  • Fitting external valves
  • Fusing
  • Locating the leak
  • Welding
  • Pipe cutting
  • Backfilling of areas disturbed by repairs

Eligibility

  • Eligible

    To be eligible, you must own both the residential single structure and the land it is located on

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    Your property is used for commercial purposes

    You know of any current problems with your exterior water service line before enrollment

    Your entire exterior water service line is shared with a 3rd party or covered by a homeowners’ association or the like

  • Exclusions

    Frozen lines, branch lines, any tanks or appliances, and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 5.99 /mo.

Covered Systems:

  • Exterior Water Service Line

Annual Benefit Amount:

  • $10,000 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Key Plan Details
As a homeowner, you may be responsible for the sewer/septic line on your property, and you may have to arrange and pay for any necessary repairs. This illustration shows the repairs that are performed on this line and how much licensed and insured plumbers would typically charge. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Exterior Sewer/Septic Line

$ 10.99 PER MONTH

Covered Systems

  • Exterior Sewer/Septic Line
  • Drain Cleaning

Annual Benefits

  • $10,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • Unblocking
  • Excavation to expose pipe
  • Fitting external valves
  • Pipe replacement or repair
  • Fusing
  • Repair or replacement of seals and joints
  • Welding
  • Pipe cutting
  • Backfilling of areas disturbed by repairs
  • Locating the blockage or collapse

Eligibility

  • Eligible

    To be eligible, you must own both the residential single structure and the land it’s located on

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    Your property is used for commercial purposes

    You know of any current problems with your exterior sewer/septic line before enrollment or your entire exterior sewer/septic line is shared with a 3rd party or covered by a homeowners’ association or the like

    Your exterior sewer/septic line previously had roots removed or failed a smoke or dye test, camera inspection or any other protective test without resolution

  • Exclusions

    Septic/collection tanks; leaching fields; grinder pumps; backflow prevention devices; non- conforming drain lines; branch lines; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 10.99 /mo.

Covered Systems:

  • Exterior Sewer/Septic Line
  • Drain Cleaning

Annual Benefit Amount:

  • $10,000 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Key Plan Details
As a homeowner, you may be responsible for the water heater in your home, and you may have to arrange and pay for any necessary repairs. Below are some examples of covered water heater components. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Water Heater Repair and Replacement

$ 12.99 PER MONTH

Covered Systems

  • Gas/Electric Water Heater Repair
  • Gas/Electric Water Heater Replacement

Annual Benefits

  • $1,500 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • 90-day wait period for water heater replacement
  • One-year guarantee on all covered repairs

Covered Repairs

  • Pilot light
  • Burner supply tube and assembly
  • Temperature control
  • Drain and gas valves
  • Main burner
  • Water Heater replacement if necessary

Eligibility

  • Eligible

    To be eligible, you must own both the residential single structure, or a unit within a structure, and the land it’s located on

  • Not Eligible

    Your home is a recreational vehicle or otherwise intended to be moved

    Your property is used for commercial purposes

    You know of any current problems with your water heater before enrollment

    Your entire water heater is shared with a 3rd party or covered by a homeowners’ association or the like

    Your water heater is commercial grade, larger than 100 gallons, tankless, solar, geothermal, oil, is installed on a roof, hanging tank-based, or combination home heating/domestic hot water unit; or is not installed according to manufacturer specifications

  • Exclusions

    Jacket and interior doors, heat exchangers, exhaust venting, expansion tanks, non-flexible water supply and delivery piping, electrical service wiring, damage due to restricted lines or water pressure over 80 P.S.I, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 12.99 /mo.

Covered Systems:

  • Gas/Electric Water Heater Repair
  • Gas/Electric Water Heater Replacement

Annual Benefit Amount:

  • $1,500 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • 90-day wait period for water heater replacement
  • One-year guarantee on all covered repairs
Key Plan Details
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 December 2024.

Interior Electrical

$ 5.99 PER MONTH

Covered Systems

  • Interior Electrical Line

Annual Benefits

  • $2,500 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • Breaker panel
  • Fuse box
  • Switches
  • Outlets
  • Disconnect boxes
  • Wiring
  • Breakers

Eligibility

  • Eligible

    To be eligible, you must own the residential single structure or a unit within a structure

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    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

  • Exclusions

    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, and thermostats and similar type systems, and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 5.99 /mo.

Covered Systems:

  • Interior Electrical Line

Annual Benefit Amount:

  • $2,500 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Key Plan Details
As a homeowner, you are responsible for the heating system inside your home, and you will have to arrange and pay for any necessary repairs. This illustration shows a typical heating system found in your home. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Heating System

$ 12.99 PER MONTH

Covered Systems

  • Gas/Electric Heating System

Annual Benefits

  • $1,750 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • Air scoops and aquastat
  • Barometric damper
  • Belts and pulleys
  • Blower motors and assembly
  • Circuit boards and circulators
  • ECO safeties
  • Fan and limit controls
  • Fusible links and gas valves
  • Ignition controls
  • Inducted draft motor
  • Blower and low water cutoff
  • Main and pilot burners
  • Pilots and thermocouples
  • Pressure switch and regulator valves
  • Relays, spill switches and transformers

Eligibility

  • Eligible

    To be eligible, you must own both the residential single structure, or a unit within a structure, and the land it is located on

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    Your property is used for commercial purposes

    You know of any current problems with your system before enrollment or is not installed according to manufacturer specifications

    Your system is shared with a 3rd party or covered by a homeowners’ association or the like, has a furnace or boiler rated at inputs of 400,000 Btu/hr. or more; is a rooftop, through-the-wall, hanging, geothermal heat pump, combination ambient heat/domestic hot water heating, or oil unit

  • Exclusions

    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; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 12.99 /mo.

Covered Systems:

  • Gas/Electric Heating System

Annual Benefit Amount:

  • $1,750 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Key Plan Details
As a homeowner, you are responsible for the cooling system on your property and you will have to arrange and pay for any necessary repairs. This illustration shows a typical cooling system found on your property. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Cooling System

$ 12.99 PER MONTH

Covered Systems

  • Electric Central Air Cooling System

Annual Benefits

  • $1,750 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • 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
  • Transformers
  • Valves

Eligibility

  • Eligible

    To be eligible, you must own the residential single structure or a unit within a structure

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    Your property is used for commercial purposes

    You know of any current problems with your system before enrollment or is not installed according to manufacturer specifications

    Your system is shared with a 3rd party or covered by a homeowners’ association or the like, uses refrigerant which does not meet federal, state or any other applicable regulatory or code requirements, has non-compliant components, exceeds 5 tons capacity, is installed on a roof, is an ammonia cooling, window, through the wall, hanging, geothermal heat pump, ductless, or combination ambient heat/domestic hot water heating unit

  • Exclusions

    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, thermostats, thermostat wiring, disconnect boxes and all wiring, breakers and switches contained within them, refrigerant conversions, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 12.99 /mo.

Covered Systems:

  • Electric Central Air Cooling System

Annual Benefit Amount:

  • $1,750 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Key Plan Details
As a homeowner, you are responsible for the cooling system on your property and you will have to arrange and pay for any necessary repairs. This illustration shows a typical cooling system found on your property. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Heat Pump/Cooling System

$ 13.99 PER MONTH

Covered Systems

  • Electric Central Air Cooling System
  • Heat Pump

Annual Benefits

  • $1,750 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • Capacitors and circuit boards
  • Internal fueses 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
  • Relays, transformers and valves
  • Defrost controls and sensors

Eligibility

  • Eligible

    To be eligible, you must own the residential single structure or a unit within a structure

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    Your property is used for commercial purposes

    You know of any current problems with your heat pump/cooling system before enrollment or is not installed according to manufacturer specifications

    Your system is shared with a 3rd party or covered by a homeowners’ association or the like, uses refrigerant which does not meet federal, state or any other applicable regulatory or code requirements, has non-compliant components, exceeds 5 tons capacity, is installed on a roof, is an ammonia cooling, geothermal heat pump, ductless, window, through the wall or hanging unit

  • Exclusions

    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, king and reversing valves, refrigerant for maintenance recharges, thermostats, thermostat wiring, disconnect boxes and all wiring, breakers and switches contained within them, refrigerant conversions, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.

$ 13.99 /mo.

Covered Systems:

  • Electric Central Air Cooling System
  • Heat Pump

Annual Benefit Amount:

  • $1,750 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Key Plan Details
As a homeowner, you may be responsible for the ductless mini-split system in your home, and you will have to arrange and pay for any necessary repairs. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Ductless Heat Pump System

$ 13.99 PER MONTH

Annual Benefits

  • $1,750 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Covered Repairs

  • Condenser fan blades
  • Condenser fan motors
  • Defrost control boards
  • Defrost sensors
  • Electronic expansion valvepower heads
  • Fuses
  • Removable valve cores
  • Service port valve caps
  • Transformers
  • Thermistors
  • Clearing of accessible condensate lines
  • Blower motors
  • Blower wheels
  • Circuit boards
  • Condensate pumps

Eligibility

  • Eligible

    To be eligible, you must own the residential single structure or a unit within a structure

    Only the following ductless heat pump systems are eligible: Mitsubishi, Fujitsu, Lennox, Daikin, Carrier, Trane or LG

    If you own a multi-family home or multiple housing units, provide the mailing address for each service agreement

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved

    You know of any current problems with your system at enrollment, your system was not installed per code, or per manufacturer specifications

    Your entire system is shared with a 3rd party or covered by an association; has more than 1 condenser or 1 air handler; uses refrigerant which does not meet federal, state or any other applicable regulatory or code requirements; has non-compliant components, exceeds 5 tons capacity, is installed on a roof, or is an ammonia cooling, geothermal heat pump, ductless, window, through-the-wall, or hanging unit

  • Exclusions

    Air filters, compressors, condenser or evaporator coils, electric disconnects, remote control devices, metering systems that include TXV or 4-way valves, king/reversing valves, refrigerant leaks or maintenance recharges, refrigerant conversions, more than 1 condenser or 1 air handlers, sheet metal work, 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). If costs on covered repairs exceed the benefit limit, you pay the difference. You will not be reimbursed for repairs performed by anyone not authorized by HomeServe. Additional exclusions apply.

$ 13.99 /mo.

Covered Systems:

  • Ductless

Annual Benefit Amount:

  • $1,750 maximum benefit amount

Annual Service Calls:

  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

*HomeServe USA Repair Management Corp. (“HomeServe”), with corporate offices located at 45 Glover Avenue, 6th Floor, Norwalk, CT 068501, is an independent company separate from Snapping Shoals EMC and offers this optional service plan as an authorized representative of the service contract provider as stated under each individual plan offering. Your choice of whether to purchase this service plan will not affect the price, availability or terms of service from Snapping Shoals EMC. Snapping Shoals EMC and HomeServe entered into a commercial agreement to introduce these plans to Snapping Shoals EMC members.