We will reimburse the covered Member for a Loss that occurs during the Coverage Period to the Member’s Primary Residence or Personal Effects, equal to the deductible limit shown on the Member’s Home Insurance policy or up to a maximum of $2,500 per claim, whichever is less. Coverage is effective from the date of the Member’s enrollment. Only one (1) Home Deductible Reimbursement benefit will be paid per claim occurrence, and only one (1) claim per Member will be paid per twelve (12) month period. 

If during the Coverage Period, a window is broken at a Member’s Principal Residence, Home Glass Breakage will reimburse the Member up to $200 to replace the broken window. Coverage is limited to two (2) claims per twelve (12) month period. 

If during the Coverage Period, the Member is locked out from their Principal Residence, Home Lockout Reimbursement will reimburse up to $100 for a licensed locksmith to allow the Member to enter their Principal Residence. Coverage is limited to two (2) lockouts per twelve (12) month period. 

After thirty (30) days from the effective date of membership, the Member is eligible to receive a fifty percent (50%) reimbursement of the payment made to a repair facility to repair an Appliance or piece of Electronic Equipment that is located in the Member’s Primary Residence during the Coverage Period. The repair and repair payment must occur thirty (30) days after the effective date of the membership.

Appliance means an electrical device owned by you that is plugged into the house’s electrical system and is located within the interior of your Primary Residence including the attached garage. Appliances include: cooktops, dishwashers, dryers, freezers, microwave ovens, ranges, refrigerators, trash compactors, vacuums, warming drawers, washers, and wine coolers. 

Electronic Equipment means electronic devices owned by you and located within the interior of your Primary Residence including the attached garage. Electronic equipment includes: desktop and laptop computers, tablets, digital video recorders, DVD players, garage door openers, home audio components, laptop computers, power tools, televisions, and television receivers.

The maximum repair reimbursement amount the Member can receive per claim occurrence is $500. The maximum repair reimbursement amount the Member can receive per twelve (12) month period is $1,000.

We will reimburse the covered Member, up to a maximum of $1,000 per claim occurrence, in the event that the Member’s Primary Residence becomes uninhabitable during the Coverage Period due to events beyond the Member’s control. These events are limited to break-in, Theft, tornado, hurricane, earthquake, flood, fire, landslide and mandatory evacuation. 

1 claim per 12-mo period / 10 nights at $100 each up to $1,000

We will also reimburse the covered Member, up to a maximum of $1,200 per claim occurrence, for lodging expenses in the event of: 

1. A sudden breakdown of their only air conditioning unit in the Primary Residence in the summer (defined as occurring within the following months/days of the year: 6/20 - 9/23), or a sudden breakdown of their only furnace in the winter (defined as occurring within the following months/days within the year: 12/21 - 3/20), that results in the unit remaining completely non-operational for 24 hours or more (from the time of the first service visit from the Service Provider) due to a delay in availability of the required repair parts to the Service Provider for their completion of the repair; or  

2. A sudden break in their water pipes in the Primary Residence that results in the residence being flooded if the removal of the water by the Service Provider is delayed by 24 hours or more from the time the documented service request was made by the Member. 

1 claim per 12-mo period / 12 nights at $100 each up to $1,200

• Pays up to one thousand dollars ($1000) per Loss (UNLIMITED losses per year) when a Loss is filed and paid by the Vehicle Insurance Company for the Covered Vehicle the Member owns or leases evidenced by the title, registration or loan document, AND insured under an Insurance Policy designating the Member as the Named Insured.

• Covered Vehicle refers to a non-commercial, four (4) or six (6) [i.e. dually] wheel auto, All Terrain Vehicle (ATV), Golf Cart, Motorcycle, Snowmobile, Boat, Personal Watercraft (PWC) or Recreational Vehicle (RV) 

• Recreational Vehicle (RV) means a motorhome or a towable RV including fifth wheel travel trailers, camper vans, truck camper trailers, pop-ups campers, ice houses and horse trailers that include living quarters and are designed for temporary accommodation. 

• Loss means an event for which the Covered Vehicle Insurance Company has approved and paid a collision or comprehensive claim which exceeds the Insurance Policy deductible for the Covered Vehicle. 

• Coverage is effective upon date of enrollment and will continue for one (1) year.

If the Member suffers a Loss during the benefit period which is covered by the Member’s Vehicle Insurance Policy, the Member may be entitled to reimbursement of the Vehicle Insurance Policy deductible amount up to a maximum of one thousand dollars ($1000) per Loss. To be eligible for reimbursement the Member must own or lease and insure the Covered Vehicle under an Vehicle Insurance Policy designating the Member as the Vehicle Policy Named Insured. The Vehicle Deductible Reimbursement Benefit Does Not Apply If: 

1. the Member does not have an in force Vehicle Insurance Policy on the Member’s Covered Vehicle at the time of a Loss; 

2. the claim under the Member’s Vehicle Insurance Policy is not covered or has been denied by the Member’s Vehicle Insurance Company;

3. the Loss does not exceed the in force Vehicle Insurance Policy deductible;

4. the Member’s Vehicle Insurance Company has waived the Vehicle Insurance Policy deductible under the Vehicle Insurance Policy;

5. the Loss is for a vehicle that does not fall under the definition of a Covered Vehicle; 

6. the Vehicle is used for commercial purposes or hire, or the Vehicle is a commercial vehicle as defined by the manufacturer;

7. the Loss is other than a Total Loss and the Member does not repair the Vehicle.

Vehicle means personal vehicle owned by you or a family member residing in the members primary household and used for personal use. After thirty (30) days from the effective date of membership, the member is eligible to receive a twenty percent (20%) reimbursement of the payment made to repair a vehicle owned by the member or a family member residing in the member's primary residence. Reimbursements are limited to twenty percent (20%) of the repair payment up to five hundred dollars ($500) per repair. The maximum amount the member can receive during a twelve (12) month membership period is one thousand dollars ($1,000). The reimbursement amount is excess of any other coverage available which would include but not be limited to: a manufacturer's warranty, extended warranty, vehicle insurance, credit card benefit, etc. What Repair Reimbursement Does Not Include: 

• Replacement because of loss or damage resulting from any cause other than normal use and operation of the eligible vehicle for which the vehicle was designed per the manufacturer's guidelines;

• Damage to or failure of product used for commercial purposes;

• Acts of God, Fire, Lightning, Hail and Wind, Theft, misuse, abuse

• Repairs to upgrade or improve the vehicle 

• Cleaning or other preventative maintenance required to maintain normal operation of the vehicle 

• Any charges other than parts and labor 

• Repairs or reimbursement are not covered for routine maintenance such as oil changes, fluid changes, tires, tire rotation, balancing or alignment 

If your Auto suffers a Disablement and cannot be driven safely under its own power, and subject to the Terms and Conditions of this benefit, you are entitled to be reimbursed a maximum benefit of $100 per night, up to a maximum of five (5) nights per twelve (12) month period for lodging expenses. The benefit only applies to overnight lodging where the Member has to pay for the room (e.g. hotel motel, bed & breakfast, YMCA, etc.) and has the receipt or other documentation showing the name of the lodging facility, date(s) stayed and amount paid. You are also entitled to be reimbursed a maximum benefit of $100 per day, up to a maximum of five (5) days per twelve (12) month period for meals. The benefit only applies to meals where the Member has to pay for the meal(s) and has the receipt or other documentation showing the name of the restaurant, date(s) of the meal(s) and amount(s) paid. Exclusions: 

• No benefits will be paid in the event the Member’s: 

• Collision(s) are due to speeding violations, criminal activity, and/or driving under the influence of non-prescription drugs or alcohol.

• Disablement repairs are not completed by licensed facilities.

• Disablement occurred within one hundred (100) miles of his/her primary residence

• Receipts don’t show the required information.

• Call to the Administrator does not occur within thirty (30) days of his/her Disablement 

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