Why do I need Home Systems Protection?

• Electrical and mechanical breakdown, and,
• The tearing apart, cracking, burning or bulging of a steam or hot water heating system or air conditioning system

• Are included in the purchase price, but only cover manufacturer defects.
• Are limited to a specific product or part, for a short period of time.
• Not all replacement parts or labour are covered.

• Cover equipment breakdown during ordinary use over a specific period of time.
• Do not cover breakdown caused by human error such as faulty installation, operator error or lack of maintenance.
• Are expensive - around 20% of the product cost; and typically expire after 3 to 5 years.

• Cover routine maintenance and repair to equipment such as heating, cooling or plumbing.
• Cover only a limited range of parts.
• Will not replace complete units.
• Plumbing service contracts will not cover loss or damage from the breakdown of water or sewage service lines.

• Direct damage caused by the sudden or accidental, mechanical or electrical breakdown to any home system, - including heating, cooling, appliances and electronics - no matter how old.
  
• Loss of use, or additional living expenses if a home becomes uninhabitable.
• Spoilage of perishable food.
• Pays efficiency incentives, up to 150%, for upgrades to systems that are more energy, water efficient or environmentally friendly.

• Homeowners own the outdoor water and sewer piping from their dwelling to their property’s boundary line.
• The cost of repair or replacement of damaged underground piping outside the home is not covered by property policies.
• A recent loss of $10,000 was incurred when an underground sewer pipe failed due to a tree root invasion.

Service Line Protection is an optional coverage that pays for a service line failure, resulting in the leak, break, tear, rupture or collapse, of a homeowner’s water, sewage, heat, steam or power service line.

Common causes of service line failure include accidental intrusion, root invasion, deterioration or freezing.

Electrical panel

• A main electrical panel’s circuit breaker failed to trip, overloading and damaging wiring, lighting switches, outlets and appliances. All items were replaced along with the circuit.
• Losses totalled $13,992.

Hot water heater

• The failure of the water temperature control device in a hot water heater resulted in the burner continuing to burn and boil out the water in the vessel of a hot water heater. Sudden entry of cold water on the overheated surface led to the complete destruction of the vessel.
• Losses totalled $2,100

Built-in stove

• A built-in stove was replaced when out-of-date controls broke down.
• Losses totalled $3,750