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Interior Plumbing Terms
Interior Plumbing
Keep your pipes drained and your bank account full!
Broken or leaking water supply lines and valves
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Leaks beneath the home’s foundation
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Toilet and sink overflows due to clogged drains
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Water lines leading to and from the body shower
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Leaks from refrigerator and dishwasher lines
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Leaks from the A/C unit and washing machine
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And More!
$12.00
Per Month
3
Service Calls
$5,000
Annual Coverage
See eligibility requirements, exclusions, and other terms
WHAT IS COVERED
SMUSA will arrange and pay for the repair or replacement of the Interior Plumbing System due to normal wear and tear of a leaking, partially or permanently blocked System. To be eligible for repair, You must have sole responsibility of the System that supports Your Residence. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs”. An Interior Plumbing System includes all of the water service and drainage pipes within the interior limits of Your Residence. The maximum benefit limit is up to $5,000 in cumulative coverage per Term. Any repair or replacement charges beyond Your Service Call benefit limit are Your responsibility.
WHAT IS NOT COVERED
We will not be responsible for any of the following:
- Any Service Calls made within the thirty (30) day Waiting Period;
- Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than Us or (b) unusual circumstances, including a natural disaster or an act of God. An example of this is the failure to heat Your Residence, which causes Your pipes to freeze;
- Consequential, incidental, or punitive damages arising from repair work or as a result of a covered repair. An example includes damage necessary to reasonably access the repair area;
- Any correction or upgrade of Your existing Interior Plumbing and Drainage System, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
- Repairs to any section of Your Interior Plumbing and Drainage System that You share with any third party or is covered by a homeowner’s associations including condominiums and communities;
- The repair or replacement of any basement or storm drain;
- Appliances; Any fittings or fixtures, for example water tanks, water heaters, radiators, bathroom fittings, faucets, toilets, baths, shower pans, shower/bath diverters and sinks, pressure reducing valves and backflow prevention devices, pumps or grinders;
- Thawing of frozen pipes.
Exterior Plumbing Terms
Exterior Plumbing
There’s no way to prevent a water service line emergency, but you can be prepared.
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Detecting and locating a leaking pipe
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Excavation to expose an affected pipe
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Repairing or replacing the damaged pipe
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Repairing or replacing any damaged seals or joints
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Cutting and welding to complete a repair
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Restoration of the area disturbed by repair*
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And More!
$14.00
Per Month
3
Service Calls
$10,000
Annual Coverage
See eligibility requirements, exclusions, and other terms
WHAT IS COVERED
SMUSA will arrange and pay for the repair or replacement of the Exterior Plumbing System due to normal wear and tear of a leaking, low pressure, or permanently blocked System. To be eligible, You must have sole responsibility of the System and it must support Your Residence. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs”. An Exterior Plumbing System is defined as the line that supplies fresh water to Your Residence from Your utility’s responsibility or external wall of Your well casing to the water meter or main shut-off valve inside Your Residence. Any part of Your Exterior Plumbing System beyond these linear limits will not be covered. Low pressure is defined as less than 30 pounds per square inch with two (2) or fewer fixtures open. The maximum benefit limit is up to $10,000 in cumulative coverage per Term.
Basic Restoration is included in the benefit limit. Basic Restoration is limited to an area that has been disturbed by the repair, is outside of the residence, and is under the sole responsibility of the homeowner. Basic Restoration is also limited to the reinstallation of any soft landscaping that was existing prior to the repair. Soft landscaping is hereby defined as soil, grass, shrubbery not exceeding five (5) gallons in size, paved surfaces, and trees not exceeding six (6) feet in height. There is no guarantee for the survival of any living materials disturbed by the repair. If the repair to your Exterior Water Line requires concrete cutting, the resulting trench will be patches with gravel and covered with concrete, cement, or asphalt, as appropriate.
WHAT IS NOT COVERED
We will not be responsible for any of the following:
- Any Service Calls made during the thirty (30) day Waiting Period;
- Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than Us or (b) unusual circumstances, including a natural disaster, or an act of God;
- Consequential, incidental, or punitive damages arising from conducting repair work or as a result of the covered repair. For example, damages necessary to reasonably access the repair area;
- Any correction or upgrade of Your existing Exterior Plumbing System, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
- Repairs to any section of Your Exterior Plumbing System that You share with any third party or is covered by a homeowner’s association, including condominium or community associations;
- Repairs to any line that branches off the main line, including lines for sprinklers, pools, hot tubs, and/or other outdoor systems;
- Thawing of frozen pipes.
- Restoration to an entire paved surface in order to match color or texture;
- Any restoration not expressly stated to be covered. See “What is Covered” above.
Interior Electrical Terms
Interior Electrical
Power up your protection against indoor wiring breakdowns.
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Corrections to any faulty wiring
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Repairing or replacing a broken light switch
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Repair or replacement of an electrical outlet
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Corrections to a faulty or damaged GFCI outlet
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Repair or replacement of the distribution panel
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Repair or replacement of a damaged fuse box
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And More!
$7.00
Per Month
3
Service Calls
$2,500
Annual Coverage
See eligibility requirements, exclusions, and other terms
WHAT IS COVERED
SMUSA will arrange and pay for the repair or replacement of the failing Interior Electrical System so long as it is due to normal wear and tear of the System. To be eligible, You must have sole responsibility over the System and it must support Your Residence. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs”. An Interior Electrical System is defined as the high voltage wiring that services the interior limits of Your Residence, from and including the breaker panel or fuse box, up to and including switches and outlets. High voltage is defined as Alternating Current Voltage within the range of 100 to 240 Volts. The maximum benefit limit is up to $2,500 in cumulative coverage per Term.
WHAT IS NOT COVERED
We will not be responsible for any of the following:
- Any Service Calls made during the thirty (30) day Waiting Period;
- Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than Us or (b) unusual circumstances, including a natural disaster or an act of God;
- Consequential, incidental, or punitive damages arising from conducting repair work or as a result of the covered repair, including damages necessary to reasonably access the repair area;
- Any correction or upgrade of Your existing Interior Electrical System, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
- Repairs to any section of Your Interior Electrical System that You share with any third party or is covered by a homeowner’s association, condominium or other association;
- Resetting of circuit breakers or system controls; repairs consisting of knob and tube wiring, aluminum, or other non-standard/non-permanent materials; failure arising from the disconnection or interruption to the main electrical supply; replacement of light bulbs, light fixtures and fittings, fuses or plugs; appliances; appliance cords; non-standard wall switches; dimmers; remote control outlets; extension cords; service entrance conductors;
- Repairs to any wiring that is connected to or part of any low voltage system (below 100 Volts), including but not limited to decorative fixtures, fish tanks, spas, satellite or cable TV systems, security alarms and systems, telephone wiring, smoke detectors, and garage door systems.
Exterior Electrical Terms
Exterior Electrical
Power up your protection against outdoor wiring breakdowns.
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Necessary corrections to a damaged weatherhead
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Repair or replacement of the insulator
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Repair or replacement of the meter base
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Repair or replacement of the riser
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Correcting a damaged service entrance conductor
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Corrections to faulty wiring
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And More!
$4.00
Per Month
3
Service Calls
$2,000
Annual Coverage
See eligibility requirements, exclusions, and other terms
WHAT IS COVERED
SMUSA will arrange and pay for the repair or replacement of an overhead or underground exterior electrical line (“Exterior Electrical System”) for which You have sole responsibility and that supports Your Residence. The issue must be due to normal wear and tear of the following components: weather head, insulator, riser, meter base, and service entrance conductor, from Your utility’s responsibility to the external wall of Your Residence. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs”. Any component of Your Exterior Electrical System not specifically listed as covered will not be covered. The maximum benefit limit is up to $2,000 in cumulative coverage per Term.
WHAT IS NOT COVERED
We will not be responsible for any of the following:
- Any Service Calls made during the thirty (30) day Waiting Period;
- Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than Us or (b) unusual circumstances, including a natural disaster, or an act of God;
- Consequential, incidental, or punitive damages arising from conducting repair work or as a result of the covered repair such as damages necessary to reasonably access the repair area;
- Any correction or upgrade of Your existing Exterior Electrical System, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
- Repairs to any section of Your Exterior Electrical System that You share with any third party or is covered by a homeowners’, condominium or like association;
- Repairs to damage arising from the disconnection or interruption to the main electrical supply; transformers; repair of low voltage wiring (below 100 Volts); generators; non-utility supplied power and/or lines, including, but not limited to, windmills, solar, and generators.
Heating Terms
Heating
Don’t get left out in the cold with a solution you’ll warm up to.
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Repair to the blower motors and assembly
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Fix the fan limit controls
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Corrections to fusable links or gas valves
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Repair to the air scoops or aquastat
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Fix the pressure switch and regulator valves
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And More!
$13.00
Per Month
3
Service Calls
$2,000
Annual Coverage
See eligibility requirements, exclusions, and other terms
WHAT IS COVERED
SMUSA will arrange and pay for the repair of the natural gas, propane, or electric forced-air or circulating hot water central heating system (“Heating System”). The issue must be due to normal wear and tear of the following components of the Heating System for which You have sole responsibility and which supports Your Residence: Air scoops, aquastat, barometric damper, belts and pulleys, blower motors and assembly, circuit boards, circulators, ECO safeties, fan and limit controls, fusible links, gas valves, ignition controls, induced draft motor, blower, low water cutoff, main and pilot burners, pilots and thermocouples, pressure switch, regulator valves, relays, spill switches, transformers. Any component of Your Heating System not specifically listed as covered will not be covered. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs”. The maximum benefit limit is up to $2,000 in cumulative coverage per Term.
If despite Our reasonable efforts, Your Heating System cannot be repaired due to obsolete or commercially unavailable parts or Your Heating System is deemed beyond repair by SMUSA, We agree to provide You with a prorated refund, less any claims paid by SMUSA.
WHAT IS NOT COVERED
We will not be responsible for any of the following:
- Any Service Calls made during the thirty (30) day Waiting Period;
- Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than Us or (b) unusual circumstances, including a natural disaster, or an act of God;
- Consequential, incidental, or punitive damages arising from conducting repair work or as a result of the covered repair, such as, damages necessary to reasonably access the repair area;
- Any correction or upgrade of Your existing Heating System, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
- Air ducts, registers, air filters, zoning components and electronics, electronic air cleaners, flue venting, humidifiers, thermostats, air balancing, chimney maintenance or repairs, heating jacket, asbestos or other insulation;
- Heat exchangers, leaking boilers, boiler distribution piping, radiators.
Cooling Terms
Cooling
Don’t sweat the high repair costs!
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Repairing the internal fuses or breakers
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Fix the fan and limit controls
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Corrections to relays and filter dryer
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Repairing capacitors and circuit boards
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Fixing the pressure switch and regulator valves
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Repair or replace the condenser fan and motor
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And More!
$13.00
Per Month
3
Service Calls
$2,000
Annual Coverage
See eligibility requirements, exclusions, and other terms
WHAT IS COVERED
SMUSA will arrange and pay for the repair of the electric central air conditioning system (“Cooling System”) due to normal wear and tear. To be eligible, You must have sole responsibility of the System and it must support the Residence. The following items are covered: Capacitors; circuit boards and internal fuses or breakers; condensate pumps; condenser motor and fan; contactor switches; delay timer; fan controls and relays; filter dryer; high and low pressure switches; limit controls; up to 1 pound of refrigerant (excluding maintenance recharges which are not covered); relays; transformers and valves. Any component of Your Cooling System not specifically listed as covered will not be covered. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs” below. The maximum benefit limit is up to $2,000 in cumulative coverage per Term.
If, despite Our reasonable efforts, Your Cooling System cannot be repaired due to obsolete or commercially unavailable parts or is deemed beyond repair by SMUSA, We agree to provide You with a prorated refund, less any claims paid by SMUSA.
WHAT IS NOT COVERED
We will not be responsible for any of the following:
- Any Service Calls made during the thirty (30) day Waiting Period;
- Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than Us or (b) unusual circumstances, including a natural disaster, or an act of God;
- Consequential, incidental, or punitive damages arising from conducting repair work or as a result of the covered repair, such as, damages necessary to reasonably access the repair area;
- Any correction or upgrade of Your existing Cooling System, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
- Air ducts, a/c coils, registers, grills, asbestos coverings, balancing of system, wiring and parts external to the unit, compressors or chillers, condenser casings, condenser coils, evaporator coils, or metering systems/TXV valves, thermostats or thermostat wiring.
Gas Line Terms
Gas Line
Fire up your protection against unexpected repairs!
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Corrections to a section of the natural gas supply line
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Repairing or replacing the gas safety shutoff valve
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Repairing the pipe leading to the furnace
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Repairing the pipe leading to a stove
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Corrections to a line leading to a water heater
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Repairing the line leading to a dryer
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And More!
$7.50
Per Month
3
Service Calls
$2,000
Annual Coverage
See eligibility requirements, exclusions, and other terms
WHAT IS COVERED
SMUSA will arrange and pay for the repair or replacement of the leaking or broken Gas Line, for which You have sole responsibility and which supports Your Residence. The issue must be due to normal wear and tear of the use of the Gas Line. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs”. A Gas Line is defined as the line from the meter or propane tank outlet connection up to and including the connectors to each natural gas/propane appliance on Your Property, whether inside or outside Your Residence, up to and including the appliance connectors on the extension gas lines that exit Your Residence. The maximum benefit limit is up to $2,500 in cumulative coverage per Term.
WHAT IS NOT COVERED
We will not be responsible for any of the following:
- Any Service Calls made during the thirty (30) day Waiting Period;
- Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than SMUSA or (b) unusual circumstances, including a natural disaster, or an act of God;
- Consequential, incidental, or punitive damages arising from conducting repair work or as a result of the covered repair, such as damages necessary to reasonably access the repair area;
- Any correction or upgrade of Your existing Gas Line, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
- Repairs to any section of Your Gas Line that You share with any third party or is covered by a homeowners’, condominium or like association;
- Movement or replacement of the meter, unless required by local code and is directly related and necessary to complete a covered repair;
- Appliances and fixtures, including fireplaces, fire logs, fire pits;
- Private gas wells or lines not supplied by a utility;
- Gas pressure regulating devices.
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Your Custom Plan
30 Day Wait Period
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