Automobile
Extended Warranties or Vehicle Service Contracts are contracts purchased to protect a vehicle against the unexpected costs of breakdowns for a specific period of time.

Despite what you may have heard or read, Extended Warranties are a good idea. Even the best cars breakdown, and when they do are very expensive to repair.

Purchasing an Extended Warranty or Vehicle Service Contract provides:

• Peace of mind
• Repairs to be made when you need them
• Free rental car coverage if your car is in the shop for covered repairs
• Protection from the rising costs of repairs
• Added resale value to your car – most warranties are transferable

Things to Look For When Purchasing an Extended Warranty!

True Bumper-to-Bumper Coverage—if the plan lists the items that are covered, it is Not a bumper-to-bumper plan. By definition, a bumper to bumper plan is exclusionary, that is, it will only list the few components that are not covered. Typically these include cosmetic and maintenance items.

Wear and Tear Protection—This means that you are covered for parts that break as well as those that wear out. All covered parts in a policy should include a “wear and tear” provision. A lot of plans have wear and tear exclusions, such as struts, piston rings, valves or other expensive components that wear out and will not be covered. Beware of “Mechanical Breakdown” plans, they often have wear-and-tear exclusions, thus offering you less coverage.

Overheating—Look for a plan that does not exclude damage due to overheating.

Roadside Assistance—You want a plan that offers a Free nationwide Roadside Assistance plan. You want to be covered per occurrence. Not an out of pocket reimbursement plan, that is tied to only covered repairs. A good policy includes:

Emergency Road Service . Towing . Mechanical First Aid . Emergency Tire Service . Battery Assistance . Gasoline Delivery . Fluid Delivery . Emergency Lock-out Service . Nationwide Coverage . Toll Free 800 Number . 24 Hours a Day/365 Days a Year

Car Rental—Should your vehicle have to remain overnight for a covered repair.

Trip Interruption—Should your vehicle become disabled more than 100 miles away from home and the repair is covered under your contract, reimbursement for lodging and meals.

Nationwide Protection—Repairs can be made at any repair facility in the US or Canada .

Choice of Deductibles—Most automobile plans offer $0, $50 and $100 deductible options.

Renewals—A plan that may be renewed for continuous one-year items for as long as you own your vehicle.

Transferable—The ability to transfer your coverage when you sell your vehicle, for a modest fee, which will increase your vehicle's value.

Home Warranties

Home warranties provide you with peace of mind when you're not sure if something can go wrong with a new house. You protect your home with homeowners coverage to insure against fire and hazards. Shouldn't you protect yourself against the unexpected? Expensive covered items include your furnace, boiler, heat pump, ducts, air conditioning system, water heater, sump pump, electrical system, dishwasher, washer/dryer, refrigerator, whirlpools, ceiling fans, burglar alarms, fire alarms, plumbing system, oven, range and more!

Selling your house? Offer your buyer added confidence that if something should go wrong, they'll be protected!

Buying a new house? Insist on a home warranty! Why should you have to worry about something going wrong right after you move in?

Why worry about the high costs associated with the upkeep, repair, and replacement of your home's appliances, heating, air conditioning, plumbing, and electrical systems? Why search the yellow pages every time you need a repair person? Why worry about whether you can trust an unfamiliar service vendor?

Boat Warranties

Your boat, jet ski and accessories are major investments. Once the factory warranty expires, you have nothing to protect you from unexpected, costly repairs. With an Extended Warranty contract, you can protect yourself from these unexpected costs for years after the factory warranty expires. Coverage includes parts, labor and sales tax (where applicable) for a covered failure. Extended warranty contracts offer you the most comprehensive coverage, zero to low deductible, a full benefits package and the freedom to use the repair facility of your choice. And if that's not enough, all plans are transferrable.

Extended warranties cover a wide variety of boats that are still covered under their original full factory warranty for the engine(s). The cost for protection rises as your boat ages. The sooner you protect your boat, the lower your rates will be.

Additional coverage is available for a wide range of options including Cruiser Paks, Fishing Paks, Navigation Paks, Trailer Paks and more.

When you have a covered mechanical failure, the claims process could not be any simpler. Simply take your boat to the repair facility or marina of your choice. They will contact extended warranty company for an authorization. Upon completion of the repairs, the extended warranty company will pay them directly. No paperwork or billing hassles. Your plan even includes coverage for hoist/haul-out services and towing (in water or on land).

Should you sell your boat, your coverage is transferable for a modest fee, giving the buyer peace of mind and a higher resale value to you. Your coverage is also renewable for continuous one year terms.

Our service agreements are the most comprehensive offered with the most consumer friendly language. Our warranties are insured by an A-Excellent rated insurance company. For even greater protection, plans are reinsured by an A+ Superior rated insurance company.

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