1. Kitchen Appliances
a. Dishwasher (built in or free standing)
Covered Items: All components and parts that affect operation except those listed below.
Not Covered: Racks, rollers, baskets. Dishwashers rusted beyond repair are not covered during optional sellers coverage.

b. Range/Oven/Cooktop (gas or electric; built in or freestanding)
Covered Items: All components and parts that affect operation except those listed below. (Sensi-heat burners replaced with 
Standard burners)
Not Covered: Meat probe assemblies, light sockets, indoor barbecue, clock (unless it affects the operation of the unit),
rotisseries, racks, handles, knobs, dials, interior lining, magnetic induction units.

c. Microwave Oven (built in)
Covered Items: All components and parts that affect operation except those listed below.
Not Covered: Portable or countertop units, meat probe assemblies, rotisseries ,interior lining, door glass, clocks, shelves, removable trays, door glass, lights.

d. Garbage Disposal
Covered Items: All components and parts that affect operation except those listed below.

e. Trash Compactor (built in or portable)
Covered Items: All components and parts that affect operation except those listed below.
Not Covered: Removable buckets, lock and key assembles.

f. Food Processor (built in)
Covered Items: All components and parts that affect operation except those listed below.
Not Covered: Removable accessories.

g. Instant Hot Water Dispenser
Covered Items: All Components and parts.

2. Telephone Wiring
Covered Items: Telephone wiring used primarily for residential phone service located within the walls of the main foundation.
Not Covered: Phone jacks, plugs, lights, transformers, and other power units, cover plates, phone units, answering devices, burglar alarm circuits, phone fuses, wiring that is the property of a telephone company.


3. Heating System (gas or electric if main source of heat to home)
Covered Items: All parts and components that affect the operation of the heating unit.
If HomeGuard HomeWarranty, Inc. determines that the replacement of a heat pump-split system type of heating unit is required, HomeGuard HomeWarranty, Inc. will replace with a unit that meets 13 SEER requirements, including replacing any covered components that are necessary to maintain compatibility with the replacement unit, including the air handler, evaporative coil, transition, plenum, indoor electrical, duct connection, accessible refrigerant and condense line drains, and thermostatic expansion valve.
Not Covered: Solar heating systems, geo-thermal systems, Phoenix, Glycol, or Polaris systems, portable and freestanding units, humidifiers and electronic air cleaners, dampers, fuel storage tanks, registers and grills, filters, heat lamps, fireplace inserts and key valves, flues and vents, insulation, ductwork where asbestos is present, clocks, timers, underground or outside components and piping, well pumps and well pump components for geo-thermal and/or water source heat pumps, baseboard casings, chimneys, flues and vents, wood or pellet stoves (even if only source of heating), inaccessible refrigerant and condensate drain lines, Heat pumps only covered with buyer.s air conditioning option.

Note: The 13 SEER upgrade is only available when applicable to certain temperate zones.

Note: HomeGuard HomeWarranty,Inc. will not pay in excess of $1,500.00 aggregate per contract for access, diagnosis and repair or replacement of Hot water, Radiant or steam circulating heating system(s), and/or inaccessible heating ducts.

Note: During seller.s coverage period, HomeGuard HomeWarranty,Inc. will not pay in excess of $500.00 for diagnosis and repair or replacement of the furnace.

4. Plumbing System and Stoppages 
Covered Items: Repair of leaks and breaks in water, waste, vent, or gas lines within the perimeter of the main foundation of the home or garage, shower/tub valves (replaced with chrome builder.s standard), angle stops, gate valves, toilet tanks, bowls, and working mechanisms (replacement toilets will be white builder.s standard), wax ring seals, permanently installed sump pumps, built in whirlpool bathtub motor pump assemblies, clearing of stoppages that can be cleared with standard sewer cable through an existing cleanout access without excavation or accessing roof up to 100., pressure regulators, pop up assemblies, thermostats and thermostat sub-bases, vent blower assembly.
Not Covered: Stoppages and/or collapse of water/drain/gas lines caused by roots, faucets, bathtubs, sinks, shower, enclosures and base pans, caulking and grouting, hose bibs, sewer ejector pumps, toilet seats and lids, septic tanks, water conditioning systems, supply restrictions due to rust or chemical deposits, saunas, steam rooms, bidet, whirlpool bathtub jet plumbing, indoor/outdoor sprinkler systems, booster pumps, conditions of electrolysis, frozen pipes, noise, diesel or oil-fired water heaters, Phoenix systems and ice maker water line.

Note: With respect to concrete-encased or inaccessible plumbing lines, access and repair is limited to $1,000.00 aggregate per contract. HomeGuard HomeWarranty, Inc. will provide access through unobstructed walls, ceiling, floors, concrete slabs, and the like, and will return all openings made for access to a rough finish only. HomeGuard HomeWarranty, Inc. is not responsible for trim, texture, paint, wallpaper, tile, carpet, or the like.

5. Electrical System
Covered Items: Circuit breakers including ground fault, conduit, doorbells, junction boxes, panels, and sub panels, plugs, switches and fuses, telephone wiring, wiring.
Not Covered: Fixtures, alarms, intercoms, inadequate wiring capacity, power failure or surge, low voltage wiring, sensor, relay, timed circuits, wiring that is the property of the phone company, direct current (D.C.) wiring or components.

6. Central Vacuum System
Covered Items: Wiring, motor, switches, receiver unit, track drive assembly, carriage, capacitor, push arm.
Not Covered: Removable hoses, accessories, clogged pipes.

Notes: HomeGuard HomeWarranty, Inc. is not responsible for the cost of gaining access to or closing access from the floor, walls, or ceiling either to locate the case of malfunction or to effect repair or replacement.

7. Garage Door Opener
Covered Items: Wiring, motor, switches, receiver unit, track drive assembly, carriage, capacitor, push arm.
Not Covered: Garage doors, hinges, springs, remote transmitters, rollers-guides, adjustments, units not meeting current safety standards.

8. Ceiling, Attic and Exhaust Fans (built in)
Covered Items: All components and parts that affect operation (replaced with builder.s standard)
Not Covered: Light kits, remote transmitters.

9. Water Heater (gas or electric)
Covered Items: Control thermostat and thermocouple, drain valve, tank leaks, gas valve, heating elements, temperature and pressure relief valve.
Not Covered: Solar units and/or components, holding or storage tanks, sounds or failure caused by sediment, fuel storage tanks, flues and vents.

10. Pest Control
Covered Items: Roaches, ants other than Fire, Pharaoh, and Carpenter varieties, silverfish, black widow spiders, earwigs, brown recluse spiders, millipedes, mice, crickets, ground beetles, centipedes, pill bugs, sow bugs, clover mites.
Not Covered: Termites, wood-boring beetles, rats, flying insects, fleas, ticks, any pest not specifically listed above.

Note: Pest Control is not renewable and damage done by the above mentioned pests is not included.

 11. Ductwork
Covered Items: Ducts from heating and/or cooling unit to connection register or grill.
Not Covered: Registers, grills, dampers, insulation, improperly sized ductwork, collapsed or crushed ductwork, ductwork where asbestos is present, ductwork damaged by moisture, costs for inspections, diagnostic testing, verification and permits as required by federal, state, or local law, regulation or ordinance.

Note; HomeGuard HomeWarranty, Inc. will not pay more than $1,000 aggregate per contract term for repair or replacement of ductwork.  

1. Central Air Conditioning (ducted)
Covered Items: Refrigeration system including heat pump, condensing unit, compressor, coils, leaks in Freon lines, liquid and suction line dryers, motors, fuses, breakers, disconnect boxes and wiring, valves, thermostats; evaporative cooler including belts and pulleys, casing, motor pumps, and float assembly; build in electric wall units. If Homeguard HomeWarranty, Inc. determines that replacing an air conditioning system is required, HomeGuard HomeWarranty, Inc. will replace with a unit that meets 13 SEER requirements, including replacing any covered components that are necessary to maintain compatibility with the replacement unit.

Not Covered: Condenser casings, registers, filters (including electronic air cleaners), gas air conditioners, window units, underground or outside piping and components for geo-thermal and/or water source heat pumps, humidifiers, cooler pads, roof jacks or stands.


Note: The 13 SEER upgrade is only available when applicable to certain temperate zones.

Note: The air conditioning unit/evaporative cooler cannot exceed a 5-ton capacity.

2. Swimming Pool/Spa Equipment
Covered Items: Bearings, filter, heating unit, pool sweep motor and pump, pump, valves, timer, seals and gaskets, impellers, switches and relays, above ground plumbing and electrical.
Not Covered: All cleaning equipment including popup heads, turbo valve, pool sweeps (except motor and pump), liners, lights, structural defects, solar equipment, inaccessible components, jets and fuel storage tanks, skimmers, underground water/gas/electrical lines, chlorinator or ozinator, fountains, structural or cosmetic defects, damage due to general lack of maintenance or improper chemical balance, cost of access to make repairs, inaccessible portion of the spa jets,  electronic/computerized controls and/or control panels.

Note: Both pool and spa are covered when utilizing common equipment. If they do not utilize common equipment, then an additional premium is required for the second set of equipment (i.e., pool and portable hot tub or spa.)

3. Clothes Washer
Covered Items: All parts and components affecting the washer except the following:
Not Covered: Plastic mini tubs, soap dispensers, filter screens, knobs and dials, drawers, damage to clothes.

4. Clothes Dryer
Covered Items: All parts and components except:
Not Covered: Venting, Lint screens, Knobs and dials, Dryer cabinet fragrance/humidity center, hangers, shelves, rods hooks, and cabinet liner, damage to clothing, racks, drawers.

5. Kitchen or Wet Bar Refrigerator Option
Covered Items: All parts and components that affect the operation of the component.
Not Covered: Icemaker, ice crushers, beverage dispensers and related equipment, internal thermal shells, racks, shelves, food spoilage, freezers that are not an integral part of the refrigerator.

6. Kitchen Refrigerator
Covered Items: All parts and components except the following:
Not Covered: Racks, shelves, handles, lights, ice makers, ice crushers, beverage dispensers and their respective equipment, interior thermal shells, food spoilage, refrigerator freezers that require an additional compressor to function, standalone freezers and refrigerators located outside kitchen area.

Note: Built-in refrigerator must be located within the kitchen area.

7. Well Pump
Covered Items: All parts and components of well pump utilized exclusively for domestic use.
Not Covered: Well casings, booster pumps, piping or electrical lines, holding pressure or storage tanks, re-drilling of wells, damage due to lack of water, and well pump components for geo-thermal and/or water source heat pumps, tampering, improper installation or mineral deposit build up, access to repair well pump system, low water table.

Note: Well pump must be the only source of water for home use.


8. Septic Tank Pumping Option
Covered Items: The clearing of mainline stoppages that can be cleared through an existing cleanout access without excavation or roof access.
Not Covered: Collapsed or broken waste lines outside the main foundation, stoppages or roots that prevent the effective use of an externally applied sewer cable, the cost of finding or gaining access to the septic tank, the cost of sewage hook-ups, disposal of waste, chemical treatment of the septic tank and/or waste lines, tanks, leach lines, cesspools, mechanical pumps or ejectors.

Note: If the stoppage is due to a full septic tank, HomeGuard HomeWarranty, Inc. will pump the septic tank once during the contract coverage period. Coverage is only in effect with the provision that a septic certification was completed within 90 days prior to the close of escrow. A copy of the certification will need to be supplied to HomeGuard HomeWarranty, Inc. prior to service dispatch. 

Note: Septic Tank Pumping Option is not renewable.

9. Sewage Ejector Pump
Covered Items: All components and parts that affect operation.
Not Covered: Basins and any costs associated with locating or gaining access to, or closing access from the sewage ejector pump.

Note: HomeGuard HomeWarranty, Inc. will not pay more than $500 maximum for repair and/or replacement of the sewage ejector pump. Coverage is limited to one sewage ejector pump per contract.

10. Additional Pipe Leak Coverage
(Available on detached single family homes only; not available to condos or multi-unit buildings)
Covered Items: Concrete encased or underground pipe leaks located outside the main foundation of the covered structure, including water, drain or gas supply and drain line that service the main home or other home warranty covered structure only. The leak must be the result of normal wear and use.
Not Covered: Faucets, hose bibs, gate valves, consequential or secondary damage, solar or sprinkler system, above or below ground pool piping, down spout or landscape drain lines, frozen pipes.

Note: $1,000 maximum per Plan for dianosis, repair or replacement.


11. Limited Roof Leak Coverage
Covered Items: Leaks caused by rain to tar and gravel, tile, shingle, shake and composite roofs over occupied living areas will be repaired as long as leaks are caused by normal wear and tear and the roof was in good, watertight condition at the start of the coverage.

Note: An actual water leak must occur during the coverage period for coverage to apply under this plan.

Note: HomeGuard HomeWarranty, Inc. will pay up to $1000.00 per contract for the repair of specific leaks, if replacement of the existing roof, in whole or in part is necessary, the company.s liability is limited to the estimated cost of repair of the leaking area only, as if the repair of the area was possible, HomeGuard HomeWarranty, Inc.c liability is limited to cash in lieu of the estimated cost of repair of the leaking area only, as if the repair of that area were possible. Leaks existing prior to the close of escrow will not be covered.

Not Covered: Roof leaks caused by or resulting from roof mounted installations, metal roofs, foam roofs, improper installations, improper construction or repair, missing or broken materials, patio covers, skylights, gutters, drains, scuppers, antennas chimneys, failure to perform optional maintenance, defects in balcony or deck serving as roof, damage cause by walking on roof. (Roof coverage for mobile homes, condos and townhomes is not available)

Note: Routine periodic maintenance is not covered by this contract. Secondary or consequential damage is not covered by this contract. Service delays frequently occur during the first ran of the season or in heavy storms. While we will make every effort to expedite service, no guarantees can be made.

Note: Roof Coverage is not renewable. 

If an item fails during the contract term the contract holder must contact our Customer Service Department toll-free at 866-993-2302. Calls are received 24 hours and day, 7 days a week. Should the contract holder contract  directly with others or do the work themselves, HomeGuard HomeWarranty, Inc. will not be responsible for reimbursement of that cost. Upon receiving a request for service, HomeGuard HomeWarranty, Inc. will call a qualified contractor within 3 hours during normal business hours, and 24 hours on weekend or holidays. The contractor will then call the contract holder directly to schedule a mutually convenient appointment. Service will be initiated within 48 hours after the request for service is received. Special considerations and/or efforts will be made for service requests that render the home uninhabitable. If the contract holder should request HomeGuard HomeWarranty, Inc. to perform on emergency service outside normal business hours, the contract holder will be responsible for payment of additional fees, including overtime.

Should HomeGuard HomeWarranty, Inc. grant the contract holder authorization to contact an independent contractor directly to perform a covered service, HomeGuard Home Warranty, Inc. will provide reimbursement based on the following conditions:
a. Contract holder selects a contractor that is qualified and insured.
b. Contractor should provide fair and reasonable rates on parts and labor.
c. Contract holder must contact HomeGuard HomeWarranty Inc., to confirm that the service work is covered under the warranty contract by calling HomeGuard HomeWarranty, Inc. at 866-993-2302 after the contractor arrives at the property and prior to the contractor performing and repairs for which the contract holder may seek reimbursement.

Service Call Fee: There is a $55.00 service fee for each trade call, paid to each contractor at the time of service (I.e. if you need a plumber and an appliance technician each would require one service fee). Failure to pay the service fee will result in suspension of coverage until such time as the proper fee is paid. Upon receipt of that payment, coverage will be reinstated for the remainder of the contract term. Service request must be received prior to the expiration of the contract term.

Service work is guaranteed for 30 days on labor and 90 days on parts without an additional service fee. The 30-day guarantee only applies to malfunctions that are reported to HomeGuard HomeWarranty, Inc.during the term of this contract. Pest control service work is guaranteed for 30 days from the original date of service.

Buyers coverage starts at the close of escrow and continues for one year providing the contract premium is paid at the close of escrow. (Premium must be received within 14 days after close of escrow.) Where contract premium has not been received by HomeGuard HomeWarranty, Inc. service will be dispatched once the closing agency verifies funds or another source of premium coverage is paid (i.e. credit card).

Coverage for the New Construction Home Buyers. Plan coverage and any optional coverage begins on the first anniversary of the close of sale and continues for three years from that date, provided that the plan fee is received by HomeGuard HomeWarranty, Inc. within 14 working days from the close of sale. All systems and appliances to be covered must be in good working condition at the time coverage begins on the first anniversary after the close of sale. Anytime during the first year after the close of sale the home buyer may call HomeGuard HomeWararnty, Inc. for assistance in the event of a problem with systems or appliances generally described in this plan. HomeGuard HomeWarranty, Inc. will assist the homebuyer in contacting the manufacturer, or contact the manufacturer on the homebuyer.s behalf, to determine the remedies available under the manufacture.s warranty for the system or appliance associated with the call.

This contract covers single-family dwelling under 5,000 square feet unless amended by HomeGuard HomeWarranty, Inc prior to the close of escrow (I.e. homes in excess of 5,000 square feet, guest houses or the like, and other detached structures). Coverage begins when appropriate fees are paid. This coverage is for owned residential or rented property only, covered dwellings cannot be used for day care centers, nursing homes, care homes, fraternity/sorority houses or any other commercial purpose.

This contract covers only those parts, systems, and appliances specifically mentioned as covered and excludes all others. Covered systems and/or appliances must be located within the main foundation of the home or garage. All coverage is subject to limitations and conditions mentioned in this contract.

Optional seller.s coverage begins upon issuance of a confirmation number by HomeGuard HomeWarranty, Inc. and continues for 180 days, close of escrow or termination of listing, whichever comes first. Seller.s coverage only covers the standard plan items. Optional and Advantage items are not available for the seller. HomeGuard HomeWarranty, Inc. service will be dispatched once the closing agency verifies funds.

Covered items must be in good working order at the start of coverage. Unknown pre-existing conditions will be covered if the defect of malfunction would not have been known to the buyer, seller, agent, or inspector by a visual inspection and/or by operating the system or appliance at the time coverage began. Known defects or defects found at the time of a home inspection report are excluded from coverage until proof of repairs are received by HomeGuard HomeWarranty, Inc.  

HomeGuard HomeWarranty, Inc. liability is limited to failures due to normal wear and tear.

HomeGuard HomeWarranty, Inc has the right to a second opinion. The homeowner may order his own second 
Opinion but shall be responsible for the cost.

HomeGuard HomeWarranty, Inc will determine whether a covered item will be repaired or replaced. Except as otherwise noted in the contract, replacements will be of similar features, capacity, and efficiency as the item being replaced. HomeGuard HomeWarranty, Inc is not responsible for matching brand, color, and/or dimensions. When parts are necessary for completion of service, HomeGuard HomeWarranty, Inc will not be responsible for delays that occur in obtaining those parts. Repairs and/or replacements that are subject to a manufacturer warranty are excluded from this contract. HomeGuard HomeWarranty, Inc. is not responsible or liable for the disposal cost(s) of appliances, systems, equipment and/or components of equipment including refrigerant, contaminants, and/or other hazardous or toxic material.

When government regulations, building, and/or similar code criteria require improvements and/or additional costs to service a covered system and/or appliance including permits, the costs to meet the proper code criteria shall be the sole responsibility of the contract holder, except where otherwise noted in this contract. HomeGuard HomeWarranty, Inc. will be responsible for repairs and/or replacement of covered systems and/or appliances after the proper code criteria are met, except where otherwise noted in this contract. When upgrading covered systems, parts or components to maintain compatibility with equipment manufactured to be 13 SEER (Seasonal Energy Efficiency Ratio) compliant, HomeGuard HomeWarranty, Inc. is not responsible or liable for the cost of construction, carpentry, or other structural modifications made necessary by installing upgraded equipment. HomeGuard HomeWarranty, Inc is not obligated to perform service involving hazardous or toxic materials and/or conditions such as asbestos and Freon.

HomeGuard HomeWarranty, Inc is not responsible for repairs or replacements due to misuse or abuse, lack of general maintenance or cleaning, disassembled and/or missing parts, fire, flood, smoke, lightning, freeze, earthquake, theft, storms, accidents, riots, war, vandalism, animals or pests, power failure, surge and/or overload, soil movement, structural changes, design deficiency, manufacturer.s recall, inadequate design, land subsidence slope failure, cosmetic defects, improper previous repair or installation of appliances, systems or components. The contract holder is responsible for providing maintenance and cleaning of covered items as specified by the manufacturer to ensure continued coverage on such items (i.e., heating and air conditioning systems require periodic cleaning and/or replacement filters. Water heaters require periodic flushing). HomeGuard HomeWarranty, Inc. is not, under any circumstances, responsible for the diagnosis, repair, removal or remediation of mold, mildew, rot or fungus, or any damages relating to mold, mildew, rot or fungus, even when caused by or related to the malfunction, repair or replacement of a covered system or appliance.

HomeGuard HomeWarranty, Inc is not responsible for consequential or secondary damages resulting from the failure of a covered item and/or failure to provide timely service due to conditions beyond HomeGuard HomeWarranty, Inc.s control, including but not limited to delays in securing parts, equipment, and/or labor difficulties.

HomeGuard HomeWarranty, Inc is not responsible for providing access to repair or replacement of a covered system or appliance unless otherwise noted in this contract. When access is provided under this contract, restoration to walls, closets, floors, ceilings, or the like will be to a rough finish only. HomeGuard HomeWarranty, Inc is not responsible for the cost of modifications  necessary to repair or replace a covered system or appliance, including but not limited to pipe runs, flues, ductwork, structures, electrical, or other modifications. HomeGuard HomeWarranty, Inc does not cover commercial systems or equipment modified for domestic use.

HomeGuard HomeWarranty, Inc. is not responsible for electronic, computerized, or remote energy management systems including, but not limited to, zone controlled systems, lighting, energy, security, pool/spa, entertainment/media/audio, or appliances. Solar systems and components are not covered.

Common/shared systems and appliances are not covered except for a duplex, triplex, and/or four-plex. If this plan is for a unit within a multiple unit of five or more units, then only items contained within the actual unit will be covered. Common grounds and facilities are excluded.

This contract is non-cancelable except for; (a) non-payment of contract fees; (b) fraud or misrepresentation of facts material to the issuance of this contract, or (c) when contract is for Seller.s coverage and close of escrow does not occur. If this contract is cancelled, the provider of funds shall be entitled to a pro-rata refund of the paid contract premium for the unexpired term, less an administrative fee and less any service costs incurred by HomeGuard HomeWarrany Inc. Upon renewal, this contract is non-cancelable except for non-payment of contract fees, fraud, or misrepresentation of facts.

HomeGuard HomeWarranty, Inc has the right to offer cash in lieu of repair or replacement of a covered system and/or appliance in the amount of HomeGuard HomeWarranty, Inc.s actual cost to repair or replace such a system or appliance.

If the covered property resells prior to the expiration of this contract, call 866-993-2301 to transfer coverage to the new owner for the remainder of the current contract term. This contract may be continually renewed at the sole option of HomeGuard HomeWarranty, Inc subject to applicable rates and terms. Premium rates may increase upon renewal.

Coverage on leased property is available for the lessee only. Contract fees are due and payable to HomeGuard HomeWarranty, Inc. upon execution of the lease. Coverage continues for 12 months from the lease date.

The control, remediation, abatement, or removal of mold, mildew, fungi, or bacteria or their by products, are not covered even if the failure of an otherwise covered system, component or appliance is the actual or suspected cause of the mold, mildew, fungi, or bacteria, necessary service to a covered item that is located adjacent; to any area affected by mold, mildew, fungi, or bacteria will be undertaken only after the homeowner has repared the condition. Where toxic, hazardous or controlled materials or containments including but not limited, to asbestos, PCB.s, lead paint or like are found or suspected company shall by under no obligation to service or repair the affected item or system.

Any controversy or claim arising out of or relating to this policy, or the breach thereof, shall be settled by arbitration filed by the aggrieved party with, and administered by, the American Arbitration Association, hereafter referred to .AAA., in accordance with its Commercial Arbitration Rules., and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Any such arbitration will be conducted in the city nearest to the property covered by this contract having as AAA regional office. Each party shall bear its own cost and expenses and an equal share of the arbitrator.s and administrative fees of arbitration.