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:

1. Any Service Calls made during the thirty (30) day Waiting Period;
2. 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;
3. 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;
4. 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;
5. 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;
6. 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;
7. 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.