Coverage & Plans
This page provides a plain-English overview of typical plan categories. Your actual coverage depends on the service contract you purchase, including any state-specific provisions, limits, service fees, and exclusions. If something on this page differs from your agreement, the agreement controls.
Systems Plan
- Heating & A/C components (as defined)
- Plumbing systems & stoppages (as defined)
- Electrical systems (as defined)
- Water heater (as defined)
Appliances Plan
- Refrigerator, oven/range, cooktop
- Dishwasher & built-in microwave
- Washer & dryer
- Garbage disposal (if included)
Combo Plan
- Systems coverage + major appliances
- One service request process
- Clear limits and exclusions
- Optional add-ons (where available)
Typical covered categories
Below is an example of categories commonly included in home service contracts. Specific parts/components, coverage caps, and exclusions vary by plan and agreement.
| Category | Examples (not exhaustive) |
|---|---|
| Heating & A/C | Central air conditioning, heating, ductwork components as defined, thermostats (if included) |
| Plumbing | Leaks, stoppages, certain valves and fittings, water heater components as defined |
| Electrical | Wiring issues, certain panels and breakers, switches/outlets as defined |
| Kitchen appliances | Refrigerator, oven/range/cooktop, dishwasher, built-in microwave |
| Laundry appliances | Washer and dryer (mechanical failures as defined) |
Common limitations and exclusions
Most agreements share a set of standard exclusions. These help define what the plan is designed to cover (breakdowns) versus what is considered the homeowner’s responsibility (maintenance, cosmetic items, or non-covered conditions).
- Routine maintenance (cleaning, tune-ups, filters, inspections, upkeep).
- Pre-existing conditions or known issues prior to plan start (as defined in the agreement).
- Improper installation or modification, mismatched equipment, or code upgrades outside contract scope.
- Cosmetic damage that does not affect function (scratches, dents, discoloration).
- Commercial-grade or professional-grade equipment and non-residential use (as defined).
- Secondary damage (water damage, mold, structural repairs) unless explicitly included.
Service fees, limits, and approval
Optional add-ons (where available)
Some areas offer add-ons for items like pool/spa equipment, additional refrigeration, well pumps, or septic systems. Availability and pricing vary. Add-ons, if purchased, are covered only as described in the add-on terms.