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Auto and home, side by side
Plans come from multiple administrators and their terms differ. Use these questions for every plan you look at.
| Auto | Home | |
|---|---|---|
| What it is | Agreement to pay for covered vehicle repairs | Agreement to repair or replace covered home systems and appliances |
| Not the same as | Auto insurance or a factory warranty | Homeowners insurance or a builder or manufacturer warranty |
| Typical levels | Powertrain, Powertrain Plus, Enhanced | Systems, Systems and appliances, Complete |
| You pay | A service fee or deductible, set by the plan | A service fee per visit, set by the plan |
| Usually excluded | Wear items, pre-existing problems, damage from accidents or neglect | Pre-existing problems, code upgrades, storm and flood damage, missing maintenance |
| Before any repair | Call the claims number in your contract and get approval | Call the claims number in your contract before arranging service |
| Price depends on | Year, make, model, mileage and coverage level | Age and size of the home, systems and appliances added, coverage level |
Comparing two quotes
Compare them level for level. A lower price can mean a higher service fee, a longer waiting period, lower limits or a shorter coverage list. See coverage limits and what plans cost.