Electrical Coverage
One plan. Clear terms. Honest coverage details.
What May Be Covered
The following electrical components may be covered under the Appliances & Systems Deluxe plan when breakdowns result from normal wear and tear, subject to contract terms, limits, and prior authorization.
- Main electrical panel and breakers
- Interior wiring (within covered home)
- Switches and outlets
- Doorbell system
- Ceiling fans
- GFCI outlets
- Standard (non-smart) light fixtures
What Is Not Covered
The following are excluded from coverage. Review your full contract for the complete exclusion list.
- Smart home devices and smart switches
- Outdoor lighting and landscape wiring
- Generator systems
- Solar panel systems or inverters
- Low-voltage wiring (security, intercom, etc.)
- Code upgrades or permit costs
- Pre-existing conditions or known defects
- Improper installation or overload damage
Key Reminders
Service Fee
Service fee: up to $75 per claim (or actual cost of service, whichever is less), payable to the technician at the time of service. Per policy.
Coverage Schedule
Your coverage schedule and effective dates are detailed in your sample service agreement.
Prior Authorization
You must receive authorization before any repair work begins. Unauthorized repairs are not reimbursable.
Per-Item Caps
Individual dollar caps apply per covered system or appliance. Exact limits are published in your sample agreement.
This is a home service contract, not insurance. It provides repair and replacement coverage for covered systems and appliances that fail from normal wear and tear, subject to the terms, conditions, exclusions, and limits in your agreement. It does not cover sudden events, catastrophic damage, or liability. For those risks, maintain adequate homeowners insurance.
Up to $75 per claim · Coverage schedule per agreement · Sample agreement available