How does a typical home warranty work?
When a person purchases a home warranty, they are entitled to certain coverages as part of the plan. If a covered appliance or home system
breaks down, such as your washing machine or your central heating system, you simply contact the administrator and they will arrange for an
independent service contractor to come to your home and assess the situation.
If the issue is due to normal wear and tear or mechanical failure and it is a covered item, then the appliance or system will be repaired or
replaced within the terms of the plan and in most cases the homeowner will only have to pay a flexible deductible option.
What does a home warranty typically not cover?
The contract covers most appliances and systems within the home, but not everything is covered. For example, this contract does not cover
mismatched systems or any costs associated with modifications or upgrades required to match efficiency value. Also not covered are incidental or
consequential losses such as food spoilage or loss of income as well as breakdowns resulting from a lack of maintenance, such as corrosion or
rust. This contract does not cover losses that result from natural perils such as earthquake, flood or tornadoes.
See the “What is Not Covered (General Exclusions)” section of your contract for a full explanation.”
What types of home warranty plans are available?
Three coverage options are available: the Appliance plan, the Systems plan, and the Platinum plan. Optional coverages for pool/spa
equipment, water softeners, well pumps and/or sprinkler systems can be added to any plan for an additional fee.
When does coverage begin?
There is a 30-day waiting period for all covered items that begins on your contract purchase date. During this period, no claims will be
considered. After the waiting period, coverage begins after the shortest portion of the manufacturer’s original parts and/or labor warranty of
the covered item expires. If the manufacturer’s warranty has already expired for that item when the home service contract is purchased,
coverage begins immediately after the waiting period.
Does a home warranty cover my old appliances?
Home warranty plans offer coverage for home appliances and systems regardless of their age. There are no restrictions for the brands of
residential appliances covered, as well. This type of protection makes it convenient for homeowners to keep their current systems and appliances
operating in good condition, while helping minimize out-of-pocket costs for repairs and replacement services when failures do occur.
Can I purchase Smart Home by itself?
Yes, you can purchase all Home Master plans by themselves, the order screen allows you to customize your plan, deductible, and options. For
instance, if you chose just the appliance plan, and wanted to add the Hi-Tech Smart Home coverage, you would get 2 separate contracts and 2
separate monthly payments.
Why is there a 30-day wait period?
There is a 30-day waiting period for all covered items that begin on the your contract purchase date. During this period, no claims will be
How do I Get Service?
When a covered item breaks down, just follow these simple steps:
- Go online to www.MyProtectionPlan360.com with
your contract registration page readily available.
- If your claim is authorized, the administrator will provide your with a referral to an independent service contractor.
- You will pay the required deductible before the servicer is dispatched. The servicer will come to your residence and you must be there
to provide access to the residence so the service can be performed.