Surge Help Home Electronics Loss Protection ($2,000 Coverage)

Eligibility: An owner or renter of a residential single structure, or a unit within a structure, that is not intended to be moved may be eligible for coverage. If you own a multi-family home or multiple housing units, you must provide the specific mailing address for each service agreement you purchase. You are not eligible if your property is used for commercial purposes; you know of any current problems with your electrical products before enrollment; your electrical products are entirely shared with a 3rd party or covered by a homeowners’ association or the like; or are not installed according to manufacturer specifications. In IA, properties with more than 4 dwelling units are not eligible.
Benefit Details: Coverage provides reimbursement, up to the benefit amount, to repair or replace the following electrical products that fail due to an electrical surge (a sudden and non-continuous increase or burst of electricity, caused by natural or man-made events including lightning strikes and power returns after an outage), for which you have sole responsibility: appliances, electronics and electrical devices including, refrigerators, clothes washers, clothes dryers, dishwashers, blenders, mixers, toasters, microwaves, televisions, window air conditioning units, thermostats, lamps, computers, DVD/Blu-ray players, game consoles, printers, scanners, handheld devices such as tablets, pool pumps, heating and air conditioning systems, electric gates, garage door openers, electrical vehicle chargers, well pumps, and water heaters. Reimbursement up to $125 for standard service call and/or diagnostic fees for a covered repair or replacement is available.
Not Covered: Sump pumps, medical equipment; battery-powered products that cannot be plugged in; electric vehicles; items less than $100; electrical products that cannot be replaced with like kind and quality (e.g. antiques); and expenses recoverable under any product or home warranty. Additional exclusions apply. Disputes resolved by arbitration, without class action or jury trial, unless otherwise stated in your full Terms and Conditions.
Cancellation:Cancel any time by calling HomeServe. If you cancel within 30 days of your start date, you will get a full refund (less claims paid, where applicable). Cancellations after the first 30 days will result in a pro-rata refund (less claims paid, where applicable).
Arranging for Repair/Reimbursement: Your plan starts the day your enrollment is processed. There is an initial 30-day waiting period before you can request reimbursement, providing 11 months of coverage during the first year. You are responsible to arrange and pay for the service technician for your covered repair. You must call HomeServe within 30 days of an electrical surge event to start a claim. Upon renewal/reactivation (if applicable), there is no waiting period.
Renewal: The plan is annual. Unless you cancel, your plan automatically renews annually at the then-current renewal price with your same payment terms.