Surge Help Home Electronics Loss Protection ($5,000 Coverage)

Eligibility: An owner/renter of a residential single structure, or a unit within a structure, that is not intended to be moved may be eligible for coverage. This includes single family homes (inclusive of manufactured housing), townhomes and apartments. Recreational vehicles and properties used for commercial purposes are not eligible. Your property is not eligible if you are aware of any pre-existing conditions, defects or deficiencies with your electrical products prior to enrollment. If your electrical products are entirely shared with any third party or covered by a homeowners', condominium or like association, then you are not eligible.
Not Covered: Reimbursement for expenses recoverable under any electrical product or add-on home warranty; power tools; electrical products that cannot be replaced with like kind and quality (e.g. antiques); or damage from negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply.
Cancellation: You may cancel within 30 days of your start date for a full refund (or less any claims paid if cancelled at any time after renewal/reactivation, where applicable). Cancellations after the first 30 days will be effective at the end of the then-current billing month, and you will be entitled to a pro-rata refund less any claims paid (where applicable).
Renewal: Your coverage is based on an annual contract. Regardless of the payment frequency you select, your policy will be automatically renewed annually on the same payment terms selected, at the then-current renewal price. Your coverage will remain in effect unless you contact HomeServe to discontinue. HomeServe is an independent company, separate from your utilities company, providing home repair services and protection solutions to homeowners across the U.S.
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 for arranging and paying the service technician for your covered repair or replacement. You must call HomeServe within 7 business days of an electrical surge event to request a claim form, and return the completed form (including an invoice from a qualified service technician) within 30 days. Upon renewal/reactivation (if applicable), there is no waiting period.
Benefits Details: Coverage provides reimbursement, up to the benefit amount, for the covered cost to repair or replace the following residential electrical products, for which you have sole responsibility, that fail due to an electrical surge (a short-term burst of excessive, unwanted energy (transient over-voltage) on a circuit, which if not suppressed, can accelerate wear and tear of attached electrical equipment, increasing repair frequency, repair costs and product failure): appliances, electronics, and electromechanical equipment including, but not limited to, refrigerators, clothes washers, clothes dryers, dishwashers, blenders, mixers, toasters, microwaves, televisions, window air conditioning units, thermostats, lamps, computers, DVD players, game consoles, printers, scanners and handheld devices such as tablets. Reimbursement up to $125 for standard service call and/or diagnostic fees for a covered repair or replacement is available.