AssurancePlus

Clients First Insurance All Vehicle Protection Plan - Client Collects Payment

$159.00

Term Length: 12 Months

Personal ID Restoration Consulting

With Personal ID Restoration Consulting you will have the peace of mind of knowing that a professional is standing ready to help restore your good name if identity theft strikes. With this program, IF you become a victim, you receive the following benefits:

ID Recovery Advocate to help recover your good name and rightful credit history.
An ID Recover Package that includes activation forms and instructions for immediate action.
A Personal Recovery Plan including
- Assistance in placing Fraud alerts at the three major credit bureaus
- Assistance in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim
An assigned Advocate who is trained in identity recovery procedures, who will:
- Work directly with law enforcement, the Social Security Administration, US Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of your personal information.
- Research and document all fraudulent transactions, false accounts, or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
- Manage your recovery until it can be confirmed that your pre-identity theft status has been restored, no matter how long it takes.
- Document all incidents and their resolution in writing in a case file.
- Provide post-recovery follow-up for 12 full months to address any additional fraudulent activity that may surface later.

Terms and Conditions

Persons who are eligible for this benefit are called “Plan Members” and include people who become members of the Vehicle Advantage Program. Businesses are not eligible for benefits under this program.
You may access recovery services under the Personal ID Restoration Consulting immediately, and you will continue to be a Plan Member for as long as you are a member in good standing as defined by the membership terms and conditions and you or the plan have not cancelled the membership (Membership Period).
The benefits under this program are non-refundable, non-cancelable and non-transferable. Benefits not utilized will cease with no cash value.
Personal ID Restoration Consulting do not cover reimbursement for financial losses of any kind arising from the identity theft or recovery therefrom.
For purposes of benefits under this program, Identity Theft is defined as fraud that involves the use of a Plan Member's name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Plan Member, which is used to commit fraud or other crimes.
Eligibility for recovery services is based on ID theft events that occur, are discovered, and reported to the named provider during the Membership Period. Persons who have identity theft events that occurred prior to the beginning of the Membership Period are not eligible for benefits under this program.
Benefits are only available to residents of the United States. In the event of identity theft that occurs outside of the United States, identity recovery is only performed with agencies and institutions in the United States or territories where U.S. law applies.
The provider will not provide credit counseling or repair to credit that legitimately belongs to a Plan Member.
The provider may refuse or terminate services under this agreement if it is deemed that a Plan Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. The provider will not refuse or terminate services based on the complexity of the case.
The provider cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
Personal ID Restoration Consulting are provided by cynoSure Financial, Inc.

How to Claim Benefits:

One call to cynoSure Financial, Inc. at 1-877-296-4892 will start the process. Within one business day, an Identity Theft Advocate will be assigned to personally manage and assist in the restoration of your Identity.

Term Length: 12 Months

Warranty Vault ™

Warranty Vault ™: The on-line storage & organizing service that helps You to take full advantage of Your consumer product warranties while You are a member of the Vehicle Advantage Program.

Warranty Vault provides an on-line storage & organizing service that helps You to take full advantage of Your warranties for consumer products you have purchased. With minimal key strokes, you can enter, upload & store vital information about your warranty(s) and access this information 24/7 at one central location.

Should Your product need repair, the manufacturer will need copies of Your warranty and receipt. We’ll keep everything on file for you, like your product manufacturer’s phone numbers, sales receipts and copies of your warranty(s). No need to spend time digging through your drawers & files to find the information needed to utilize your warranty(s). They are now stored in one easy to use location.

Please note: Warranty Vault is a member service only. It is not insurance.

Let’s Get Started Storing Your Product Warranty(s)
1. Go to https://www.assuranceplus.com/WarrantyVault
2. You will need Your Benefit ID (i.e. APG-1234567) located on the Welcome Letter page of your Terms & Conditions.
3. Follow the on-line steps to create your Warranty Vault account.
4. Have Your product warranty and receipt handy to complete the warranty storage form.
5. Click on “Add Warranty” and fill in the product and warranty information and click “Save Warranty.”
6. The next screen is a list of the warranties that You have stored. On the right side of the screen under “ACTION”, You can click on “Update” to update Your warranty information or “Delete” to delete Your warranty registration.

Warranty Vault Service Cessation
When Your membership ends, You will have sixty (60) days following the end of Your membership in which to obtain copies of Your documents from the Warranty Registration. Following this sixty (60) day period, access to Your Warranty Information will be discontinued.

Term Length: 12 Months

20% All Vehicle Mechanical Repair Reimbursement Terms and Conditions

Definitions:
Covered Vehicle refers to a non-commercial, four (4) or (6) [i.e. dually] wheel auto, All Terrain Vehicle (ATV), Golf Cart, Motorcycle, Snowmobile, Boat, Personal Water Craft (PWC) or Recreational Vehicle (RV) owned or leased and used for personal use by the Member or a Family Member residing in the Member’s primary residence. (Proof of ownership and permanent address will be required at time of claim.)

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

Collision means a collision of any kind, including but not limited to, collision with another object, vehicle or animal.

Exclusionary Period means the first thirty (30) days following the Membership Effective Date.

Family Member means spouse, son, daughter or parent of the Member who resides with the Member.

Member means an individual who has purchased and is an active member of this membership program.

Membership Effective Date means the date the membership period starts.

Membership Expiration Date means the date the membership period ends.

Benefit Description:
Subject to these terms and conditions, the Member or Family Member is eligible to receive a twenty percent (20%) reimbursement of the payment made to a licensed repair facility to perform a mechanical repair a Covered Vehicle, if the mechanical repair occurs after both the Membership Effective Date AND Exclusionary Period, but before the Membership Expiration Date.

Reimbursements are limited to twenty percent (20%) of the mechanical repair payment made to a licensed repair facility up to five hundred dollars ($500) per mechanical repair. The reimbursable part of any mechanical repair is limited to the cost of eligible replacement parts, labor, shop fees and disposal fees only. The maximum amount of benefits available under this plan 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.

Mechanical Repair reimbursements under this plan do not include any of the following:

Repair or replacement of a windshield, side windows, rear window or the glass part of a sunroof.
Repair or replacement of tires, wheels and/or rims, including a spare tire and rim.
Repair or replacement of a battery of any kind for any reason.
Repair or replacement of any key or key fob.
Non-mechanical repairs to upgrade or improve the Covered Vehicle, including, but not limited to, performance or appearance upgrades or cosmetic upgrades to the Covered Vehicle which includes painting, carpet or fabric repairs/replacements, rust proofing, rust repair/removal, dent repair/removal, scratch repair/removal, body work, cleaning, restoration work, engine modifications, lift kits, suspension modifications, after-market products or enhancements, etc.
Work performed on the Covered Vehicle as a result of a vehicle, or vehicle part, manufacturer’s recall.
Repairs on a vehicle owned by someone other than the Member or Family Member. Proof of ownership is required.
Repairs on a Covered Vehicle at a non-licensed repair facility. Self-repair expenses are not eligible.
Repairs on a Covered Vehicle that occur before the Membership Effective Date or after the Membership Expiration Date.
Repairs to a Covered Vehicle that occur during the Exclusionary Period.
The cost of parts purchased by the Member for repairs not made by a licensed repair facility.
Any routine maintenance work or items normally replaced due to normal wear and tear or during routine maintenance. Examples include, but are not limited to; the replacement of brake pads, brake rotors, batteries of any kind; filters, struts, shocks, bulbs, spark plugs, belts, tire balancing and tire alignment.
Any regularly scheduled maintenance work as defined in the Covered Vehicle’s Owner’s Manual. Examples include, but are not limited to; oil changes, oil filters, fluids and tire rotations.
Repairs to any other vehicle not defined as a Covered Vehicle.
A repair to a vehicle used for commercial purposes and/or that is owned by a business.
Repairs to a Covered Vehicle that are the result of Acts of God, including fire, lightning, hail, flooding and wind.
Repairs to a Covered Vehicle that are the result of theft, Collision of any kind, road hazard/debris damage, physical damage of any kind, abuse, racing, careless or reckless driving, and misuse or vandalism.
Any pre-existing failures or repairs that were initiated or occurred before the Membership Effective Date or after the Membership Expiration Date.
Shipping charges, taxes, fuel/gas, smog testing, emissions testing, document fees, environmental fees, and hazardous waste removal fees.

How to File a 20% Reimbursement Request:
To file a request for reimbursement, the Member may call the administrator 1-877-296-4892 to request a reimbursement form or send an email to reimbursements@cynosurefinancial.com. The Member may also initiate a reimbursement request online at https://AssurancePlus.com/Claims. Once the Member receives the reimbursement form, it must be completed and returned to the administrator with the following information within 120 days of the date the mechanical repair was made:

A repair bill on the Covered Vehicle from a licensed repair facility that shows the:
1. name, address, city, state, zip code and telephone number of the repair facility;
2. date the mechanical repair occurred;
3. problem causing the mechanical repair;
4. a breakdown of the dollar amount charged for the mechanical repair (parts, labor, etc.). and
5. mileage or hours as applicable on the Covered Vehicle at time of repair.

Evidence that Member or Family Member paid the licensed repair facility for the mechanical repair (i.e., a receipt from the licensed repair facility showing method of payment, copy of cancelled check, or credit card statement, etc.)

Copy of the Member’s current driver's license, and Family Member’s current driver’s license if vehicle is owned by a Family Member.

A copy of the Covered Vehicle’s current Vehicle Registration, loan or lease document, or title showing the:
1. Member or Family Member, if Covered Vehicle is owned by a Family Member, as the named owner or lessee of the Covered Vehicle, and
2. Family Member primary address matching the Member’s primary address, if the Covered Vehicle is owned by a Family Member.

You can make a request for reimbursement online anytime at https://AssurancePlus.com/Claims using your Benefit ID and last name, or You may send the completed reimbursement form and above listed documentation to:

20% All Vehicle Mechanical Repair Reimbursement Administrator
PO Box 7690
St. Clair Shores, MI 48080
reimbursements@cynosurefinancial.com
Toll Free: 877-296-4892

In order to effectively process the request for a reimbursement, the request must be received by the administrator shown above within one hundred and twenty (120) days of the date that the mechanical repair was made or the reimbursement will be ineligible. If all of the documentation is submitted and the reimbursement is verified as being eligible by the administrator, the Member will receive a payment for 20% of the allowable mechanical repair costs up to $500 per mechanical repair, up to a maximum of $1,000 per 12-month membership period.

Aplus20AVMRR-2024

Term Length: 12 Months

Emergency Travel Expense Reimbursement

Definitions:

Administrator means cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080.

Member means the member of the Auto Protection Plan. The Member must be of legal age, be a licensed driver and have the same principal residence as is listed on the membership plan.

Vehicle means a motor vehicle of the four-wheel private passenger type, including station wagons, jeeps, trucks and SUV’s with a manufacturer’s rated load capacity of 1 ton or less, designed for use on public roads and not being used commercially.

Disablement means the disablement of the Member’s Vehicle more than one hundred (100) miles from the Member’s primary residence and due to a mechanical breakdown or collision where the Member’s Vehicle cannot be driven under its own power and must be towed to a collision shop, auto dealer or auto service center where it is kept overnight for at least one night.

Benefit:

If a Vehicle owned and insured by the Member with the Member being the primary insured on the Auto Insurance Policy suffers a Disablement and the Vehicle cannot be driven safely under its own power, and subject to the Terms and Conditions of this benefit, the Member is 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.

The Member is 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:

Disablement is due to a collision(s) involving speeding violations, criminal activity, and/or driving under the influence of non-prescription drugs or alcohol.
Disablement repairs are not completed by a licensed facility.
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.

To File a Claim:

The Member should call the Administrator at1-877-296-4892 within thirty (30) days of the date the Disablement occurred. The Administrator will mail a claim form to the Member to be completed and returned with the following required documentation:

A copy of the towing bill showing company and date the Vehicle tow occurred.
A copy of receipt showing what repairs were made to the No claim will be paid without written documentation.
Receipt(s) for all expenses to be reimbursed (hotel/motel, food) showing name of entity, dates lodging or meals occurred and dollar amount spent.

Any other documentation that the Administrator may reasonably request.

The completed claim form and required documentation should be mailed within ninety (90) days of the Disablement to the Administrator at: Emergency Travel Expense, P.O. Box 7690, and St. Clair Shores, MI 48080.

Term Length: 12 Months

All Vehicle Deductible Reimbursement Benefit (AVDR)

TERMS AND CONDITIONS

I. Definitions

Insurance Policy refers to a policy of insurance issued to the Member for which the Member is a Policy Named Insured covering a Covered Vehicle owned or leased by the Member against all risks of direct physical damage. The Insurance Policy must be valid and active.

Insurance Policy Named Insured refers to any person, specifically designated by name as an insured(s), or as a covered or additional driver on the declarations page of the Insurance Policy for the Covered Vehicle.

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 Water Craft (PWC) or Recreational Vehicle (RV) of the Member which is recognized and covered by an Insurance Policy issued to the Member for which the Member is the Insurance Policy Named Insured, and the Covered Vehicle is owned or leased by the Member evidenced by the title of the Covered Vehicle, registration of the Covered Vehicle, or the Member is designated as a borrower on a loan for the Covered Vehicle.

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

Loss refers to an accidental physical loss or damage to the Member's Covered Vehicle for which the Insurance Company has approved and paid a collision or comprehensive claim which exceeds the Insurance Policy deductible for the Covered Vehicle.

Member refers to the individual who is added as a participant under the program provider’s All Vehicle Deductible Reimbursement blanket policy.

Member Effective Date refers to the date the Member is added as a participant under the program provider’s All Vehicle Deductible Reimbursement blanket policy.

Theft refers to the taking or removing of property with intent to deprive the rightful owner. It includes robbery, burglary and larceny.

We, Us and Our refer to the insurer underwriting the Vehicle Deductible Reimbursement benefit.

Administrator refers to cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080.

II. All Vehicle Deductible Reimbursement Benefit

We will reimburse the Member for a Loss to the Member’s Covered Vehicle equal to the deductible limit shown on the Member’s Insurance Policy up to a maximum of $1000. Coverage is effective upon date of the Member’s enrollment and will continue for one (1) year.

The All Vehicle Deductible Reimbursement benefit does not apply if:

the Member does not have an in force Insurance Policy on the Member’s Covered Vehicle at the time of a Loss;
the claim under the Member’s Insurance Policy is not covered or has been denied by the Member’s Insurance Company;
the Loss does not exceed the in force Insurance Policy deductible;
the Member’s Insurance Company has waived the Insurance Policy deductible under the Insurance Policy;
the Loss is for any other vehicle that does not fall under the definition of a Covered Vehicle;
the vehicle is used for commercial purposes or hire, or;
the Loss is other than a Total Loss and the Member does not repair the Covered Vehicle.

Only one (1) All Vehicle Deductible Reimbursement benefit will be paid per Covered Vehicle per Loss and there is NO LIMIT to the number of Losses covered per Member per twelve (12) month membership period.

III. BENEFIT LIMITS

The highest All Vehicle Deductible Reimbursement benefit paid for any Loss is one thousand dollars ($1000).

IV. EXCLUSIONS

The All Vehicle Deductible Reimbursement benefit will not apply to a Loss caused by or resulting from any of the following:
1. Delay, loss of market, loss of use, or any other causes of consequential loss, including (but not limited to) Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special, or consequential damages arising out of the use of or inability to use the Member’s Covered Vehicle.
2. Intentional or dishonest acts by: the Member or anyone else with an interest in Member’s Covered Vehicle; the Member’s employees or authorized representatives; whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment.
3. Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents; or
4. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.
5. Racing or involvement in a competitive event or sport.

The All Vehicle Deductible Reimbursement benefit will not apply to a Loss caused directly or indirectly by any of the following:
1. Seizures or destruction of Member’s Covered Vehicle by order of governmental authority;
2. Any weapon employing atomic fission or fusion; or
3. Nuclear reaction or radiation, or radioactive contamination from any other cause.
4. War, including undeclared or civil war.
Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.
The All Vehicle Deductible Reimbursement benefit does not cover:
1. Any Loss involving liability or medical payments coverage provided for under the Member’s Insurance Policy including, but not limited to, personal injury to others, personal injury to others injured on the Member’s property or damage to property of others.
2. Any Loss which occurred while the Member was not enrolled to receive the All Vehicle Deductible Reimbursement benefit.
3. Any Loss or damage to a vehicle not defined as a Covered Vehicle including, but not limited to a watercraft, aircraft, manufactured home or other motorized items intended for storage, display, or competition that may be recognized and covered by an Insurance Policy showing the Member as an Insurance Policy Named Insured.

IV. HOW TO FILE A CLAIM

Call the Claims Administrator at 1-877-296-4892 OR go to www.assuranceplus.com/claims to request a claim form. Notice of the Loss must have been provided to the Claims Administrator within 90 days of the date of Loss, but in no event later than 1 year from date of Loss. To process a claim the Claims Administrator must be sent a completed and signed claim form, along with the following required documents, within 180 days of the date of Loss, but in no event later than 1 year from date of Loss.

A copy of the Covered Vehicle Insurance Policy Declarations page in effect on the date of Loss.
A copy of the Covered Vehicle title, registration or loan / lease documents (if applicable) in effect on the date of Loss.
A copy of the estimate of repairs or the total Loss
A copy of the claim payment check and/or settlement letter from the Covered Vehicle Insurance Company showing the amount that was paid and that the deductible was satisfied.
A copy of the check, credit card charge, debit card charge or cash receipt showing the deductible was paid.
Any other information that may reasonably be requested in order to process the claim.

TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US

If any person or organization to or for whom We make payment under this insurance has rights to recover damages from another those rights are transferred to Us. That person or organization must do everything necessary to secure Our rights and must do nothing after a Loss to impair them.

This All Vehicle Deductible Reimbursement benefit described herein is underwritten by an AM Best A rated carrier.
rev 04.05.2021

Clients First Insurance Home Protection Plan Plus - Client Collects Payment

$159.00

Term Length: 12 Months

HOME DEDUCTIBLE REIMBURSEMENT

Definitions:

When in bold, certain words and phrases are defined as follows:

Administrator means cynoSure Financial, Inc. You should contact the Administrator if you have questions regarding this coverage, or would like to make a claim. The Administrator can be reached by phone at 1-877-296-4892.

Home Insurance means a policy of insurance covering the Primary Residence and/or Personal Effects of the Member against all risks of direct physical damage. The Home Insurance policy must be a valid and active form such as Homeowners, Renters, Farm-Owners, or Fire & Wind for a dwelling and/or Personal Effects risk.

Loss means an accidental physical loss or damage to the Member’s Primary Residence and/or Personal Effects.

Member means the person who is a member in good standing in the AssurancePlus Home Protection Plan:
a. Who has paid the membership fee; and
b. Whose name is shown on the enrollment/registration form.

Personal Effects means the personal property of the Member normally located at the Primary Residence.

Primary Residence means a permanent residence of the Member which is recognized and covered by a policy of insurance as the Primary Residence.

Theft means the taking or removing of property with intent to deprive the rightful owner. It includes robbery, burglary and larceny.

We, Us and Our refer to the Company providing this insurance.

NOTE: Home Deductible Reimbursement coverage is excess to any other applicable insurance or indemnity available to the Member. Coverage is limited to only those amounts not covered by any other insurance or indemnity, subject to the conditions, limitations, and exclusions described herein.

COVERAGE

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 the maximum of $2,500 per claim, whichever is less. Coverage is effective upon date of Member's enrollment and will continue for one (1) year.

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.

Home Deductible Reimbursement coverage does not apply if:

The Member does not maintain in force Home Insurance on the Member’s Primary Residence at the time of the Loss;
The claim under the Member’s Home Insurance is not covered or has been denied by the Member’s Home Insurance company;
The Loss does not exceed the current Home Insurance deductible or does not cause a payment to be made by the current Home Insurance carrier to the Member, because the Loss to the Member’s Primary Residence and/or Personal Effects does not exceed the current Home Insurance deductible;
The Member’s Home Insurance company has waived the Home Insurance policy deductible;
The Loss occurs prior to the start of the Coverage Period or after the Coverage Period ends.

Limits of Insurance:

The most We will pay for Loss in any one occurrence is a maximum of $2,500.
The most We will pay for Loss or damage to any one item of the Member’s Primary Residence and/or Personal Effects is a maximum of $2,500.
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.
Home Deductible Reimbursement coverage is excess to any other applicable indemnity program.

Exclusions:

A. We will not pay for Loss caused by or resulting from any of the following:

Delay, loss of market, loss of use, or any other causes of consequential loss, including (but not limited to) Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special, or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects.
Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; the Member’s employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment.
Wear and tear, depreciation or obsolescence, damage or Theft through normal course of use or consumption.
Deterioration, hidden or latent defect, or any quality in the Member’s Primary Residence and/or Personal Effects that causes it to damage or destroy itself.
Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents; or
Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.

B. We will not pay for Loss caused directly or indirectly by any of the following:

Seizures or destruction of Member’s Primary Residence and/or Personal Effects by order of governmental authority;
Any weapon employing atomic fission or fusion; or
Nuclear reaction or radiation, or radioactive contamination from any other cause. But We will pay for direct physical Loss to the Member’s Personal Effects caused by resulting fire; or
War, including undeclared or civil war.

Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.

C. What this agreement does not cover:

Any Loss involving liability or medical payments coverage provided for under the Member’s Home Insurance policy including, but not limited to, personal injury to others, personal injury to others injured on the Member’s property or damage to property of others.
Any Loss for loss of use expense as may be provided by a Home Insurance policy for expenses incurred because the Primary Residence may be uninhabitable for a period of time following a Loss to the Primary Residence.
Any Theft of Personal Effects where visible signs of forced entry are not present, or mysterious disappearance.
Any Loss to a residence other than Member’s Primary Residence and/or to Personal Effects unless located at Member’s Primary Residence.
Any Loss which occurred while the Member was not an active and paid Member of the membership plan.
Any Loss to property including traveler’s checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants or consumable items, items intended for commercial use.
Any Loss or damage to motorized vehicles of any type, intricate parts thereof, watercraft, aircraft, manufactured home or structural items intended for storage, transport, display or habitation.

How to File a Claim
To make a valid claim, the Member should contact the Administrator by phone at 1-877-296-4892 within 90 days of the date that the Loss occurred. Failure to give notice within 90 days of the incident may result in a denial of the claim.

The Administrator will send a claim form, which should be completed and mailed back to the Administrator at AssurancePlus Home Protection Plan, c/o cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080 along with a copy of the following:

Claim form submitted to the Member’s Home Insurance company when your Loss occurred; and
Declaration Page from the Member’s Home Insurance policy; and
Claim payment check the Member received from the Member’s Home Insurance company for the Loss; and
Claim explanation that came with the Home Insurance company’s claim payment check; and
Copy of the police report if a law has been violated; and
Any other documentation that the Administrator may reasonably request.

All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss, or the claim may be denied.

rev 07.25.2015

Term Length: 12 Months

HOME GLASS BREAKAGE

COVERAGE

If during the Coverage Period, a window is broken at a Member’s Primary 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.

Exclusions

A. We will not pay any Loss caused by or resulting from any of the following:

Delay, loss of market, loss of use or any other Loss that is not directly associated with the incident that caused the claim including, but not limited to, Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects;
Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; or the Member’s employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment;
Deterioration, hidden or latent defect or any quality in the Member’s Primary Residence and/or Personal Effects that causes it to damage or destroy itself; or
Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents.

B. We will not pay any Loss caused directly or indirectly by any of the following:

Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or
Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.

How to File a Claim

To make a claim, the Member must contact the Administrator by phone at 1-877-296-4892 to request a claim form within 90 days of the date that the Loss occurred. Failure to give notice within 90 days of the incident will result in a denial of the claim.

The following required items, must be sent to the Administrator at AssurancePlus Home Protection Plan, c/o cynosure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI, 48080:

A fully completed signed claim form; and
A copy of the repair bill orthe itemized bill for materials; and
Any other documents the Administrator may reasonably request to validate a claim.

All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss or the reimbursement will be withheld.

Duties In The Event Of Loss:

Notify the police if a law may have been violated;
Take all reasonable steps to protect and preserve the Member’s Primary Residence and/or Personal Effects from further damage;
Promptly send the Administrator any legal papers or notices received concerning the Loss; and
Cooperate with the Administrator in the investigation or settlement of the claim.

Term Length: 12 Months

HOME LOCKOUT

COVERAGE

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

Exclusions

A. We will not pay any Loss caused by or resulting from any of the following:

Delay, loss of market, loss of use or any other Loss that is not directly associated with the incident that caused the claim including, but not limited to, Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects;
Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; or the Member’s employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment; or
Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents.

B. We will not pay any Loss caused directly or indirectly by any of the following:

Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or
Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

How to File a Claim

To make a claim, the Member must contact the Administrator by phone at 1-877-296-4892 to request a claim form within 90 days of the date that the Loss occurred. Failure to give notice within 90 days of the incident will result in a denial of the claim.

The following required items, must be sent to the Administrator at AssurancePlus Home Protection Plan, c/o cynosure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI, 48080:

A fully completed claim signed form; and
A copy of the paid locksmith’s bill; and
Any other documents the Administrator may reasonably request to validate a claim.

All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss or the reimbursement will be withheld..

Duties In The Event Of Loss:

Notify the police if a law may have been violated;
Take all reasonable steps to protect and preserve the Member’s Primary Residence and/or Personal Effects from further damage;
Promptly send the Administrator any legal papers or notices received concerning the Loss; and
Cooperate with the Administrator in the investigation or settlement of the claim.

Term Length: 12 Months

APPLIANCE/ELECTRONIC REPAIR REIMBURSEMENT

COVERAGE

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 Members Primary Residence during the Coverage Period. The repair and repair payment must occur thirty (30) days after the effective date of the membership.

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.

Exclusions

No benefit is payable for:

Loss resulting from any cause other than the normal use and operation of the eligible product for which the product was designed per the manufacturers guidelines;
Loss resulting from damage to or failure of product used for commercial or outdoor purposes;
Loss resulting from Acts of God;
Loss resulting from theft, water damage, fire damage, physical damage, power surges, intentional damage, negligence, misuse or abuse;
Loss resulting from repairs to upgrade or improve the eligible product;
Cleaning or other preventative maintenance required to maintain normal operation of the Appliance or Electronic Equipment;
Any charges other than parts and labor or charges where a repair was not performed by a repair company; or
Loss resulting from normal wear and tear including cosmetic items such as scratches, dents, finishes etc.
Repairs or reimbursement are not covered for ductwork and duct connections; electrical connections or wiring that are not a part of the Appliance or Electronic Equipment; filters; flues and vents; handles; hot tubs; piping; light bulbs; meat probe assemblies and rotisseries; radiant floor tubing; refrigerant lines; registers; secondary drain pans and lines; security systems; thermostats; venting, water heaters; whole house furnace and air conditioning systems, cell phones/smart phones.
Loss that was not incurred by You, the member.
Loss resulting from a replacement of an item, is not covered by this Plan.
Repairs not performed or paid for during the Coverage period, and after the thirty (30) day Waiting period, are not covered by this plan.

How to File a Claim
To make a claim, the Member must contact the Administrator by phone at 1-877-296-4892 to request a claim form within 90 days of the date that the Loss occurred. Failure to give notice within 90 days of the incident will result in a denial of the claim.
The following required items, must be sent to the Administrator at AssurancePlus Home Protection Plan, c/o cynosure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI, 48080 / claims@cynosurefinancial.com:
1. A fully completed and signed claim form; and
2. A bill or invoice from a Repair Company showing:

a.   The date the repair occurred; and
b.   The problem causing the repair; and
c.   The manufacturer and serial number of Your appliance/electronic item; and
d.   The amount You were charged for the repair.

3. Evidence that You the member paid the Repair Company in the form of canceled check, paid receipt, credit card statement or banking statement.

All these required items, including the claim form signed by the member, must be postmarked within 180 days of the date of the Loss or the reimbursement will be denied.

Term Length: 12 Months

EMERGENCY LODGING REIMBURSEMENT

COVERAGE

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.

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

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
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.

Limits of Insurance:

We will reimburse one (1) claim per twelve (12) month period for Emergency Lodging. Depending on the event We will either reimburse up to ten (10) nights at $100 per night - for an overall maximum of $1,000 or We will reimburse up to twelve (12) nights at $100 per night - for an overall maximum of $1,200
Only one (1) Emergency Lodging Reimbursement benefit will be paid per claim occurrence, and only one (1) claim per Member will be paid per twelve (12) month period.
Emergency Lodging Reimbursement coverage is excess to any other applicable insurance or indemnity program.

Emergency Lodging Reimbursement coverage does not apply if:

The Member does not maintain in force Home Insurance on the Member’s Primary Residence at the time of the Loss;
The claim under the Member’s Home Insurance is not covered or has been denied by the Member’s Home Insurance company; or
The Loss occurs prior to the start of the Coverage Period or after the Coverage Period ends.

Exclusions:

A. We will not pay any Loss caused by or resulting from any of the following:

Delay, loss of market, loss of use or any other Loss that is not directly associated with the incident that caused the claim including, but not limited to, Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects;
Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; or the Member’s employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment;
Deterioration, hidden or latent defect or any quality in the Member’s Primary Residence and/or Personal Effects that causes it to damage or destroy itself; or
Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents.

B. We will not pay any Loss caused directly or indirectly by any of the following:

Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or
Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.

C. What this agreement does not cover:

Any Loss involving liability or medical payments coverage provided for under the Member’s Home Insurance policy including, but not limited to, personal injury to others, personal injury to others injured on the Member’s property or damage to property of others;
Any Loss for loss of use expense as may be provided by a Home Insurance policy for expenses incurred because the Primary Residence may be uninhabitable for a period of time following a Loss to the Primary Residence;
Any Loss to a residence other than Member’s Primary Residence and/or to Personal Effects unless located at the Member’s Primary Residence;
Any Loss which occurred while the Member was not an active and paid Member of the membership plan;
Any Loss or damage to motorized vehicles of any type or intricate parts of such vehicle, watercraft, aircraft or manufactured home or structural items intended for storage, transport, display or habitation.

How to File a Claim:

To make a claim, the Member must contact the Administrator by phone at 1-877-296-4892 to request a claim form within 90 days of the date that the Loss occurred. Failure to give notice within 90 days of the incident may result in a denial of the claim.

The following required items, must be sent to the Administrator at AssurancePlus Home Protection Plan, c/o cynosure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI, 48080:

A copy of the claim form submitted to the Member’s Home Insurance company when the Loss occurred; and
The Declaration Page from the Member’s Home Insurance policy; and
A copy of the claim payment check the Member received from the Member’s Home Insurance company for the Loss; and
The claim explanation that came with the Home Insurance company’s claim payment check; and
A copy of the police report if a law has been violated; and
A copy of itemized receipts for Lodging Expenses.
Any other documentation that the Administrator may reasonably request to validate a claim.

All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss or the reimbursement will be withheld.

Duties In The Event Of Loss:

Notify the police if a law may have been violated;
Take all reasonable steps to protect and preserve the Member’s Primary Residence and/or Personal Effects from further damage;
Permit the Administrator to inspect the Member’s Primary Residence and/or Personal Effects and records proving Loss;
If requested, permit the Administrator to question the Member under oath, at such times as may be reasonably required, about any matter relating to this insurance or the claim, including the Member’s books and records. In such event, the Member’s answers must be signed;
Promptly send the Administrator any legal papers or notices received concerning the Loss; and
Cooperate with the Administrator in the investigation or settlement of the claim.

TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US:

If any person or organization to or for whom We make payment under this insurance has rights to recover damages from another, those rights are transferred to Us. That person or organization must do everything necessary to secure Our rights and must do nothing after the Loss to impair them.

GENERAL PROVISIONS:
Abandonment: There can be no abandonment of any property to Us.

Concealment, Misrepresentation or Fraud: No coverage will be provided if, whether before or after a Loss, any Member at any time has:
a. Concealed or misrepresented any material circumstance concerning this insurance, or
b. Made false statements or engaged in fraudulent conduct.

Recoveries: Any recovery or salvage on a Loss will accrue entirely to Our benefit until We have been fully reimbursed for Our payment.

Reinstatement of Limit after Loss: The maximum limit of insurance will not be reduced by the payment of any claim.

No Benefit to Bailee: No person or organization other than the Member will benefit from this insurance.

Clients First Insurance AVPP + HPP - Client Collects Payment

$299.00

Term Length: 12 Months

Personal ID Restoration Consulting

ID Recovery Advocate to help recover your good name and rightful credit history.
An ID Recover Package that includes activation forms and instructions for immediate action.
A Personal Recovery Plan including
- Assistance in placing Fraud alerts at the three major credit bureaus
- Assistance in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim
An assigned Advocate who is trained in identity recovery procedures, who will:
- Work directly with law enforcement, the Social Security Administration, US Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of your personal information.
- Research and document all fraudulent transactions, false accounts, or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
- Manage your recovery until it can be confirmed that your pre-identity theft status has been restored, no matter how long it takes.
- Document all incidents and their resolution in writing in a case file.
- Provide post-recovery follow-up for 12 full months to address any additional fraudulent activity that may surface later.

Terms and Conditions

Persons who are eligible for this benefit are called “Plan Members” and include people who become members of the Vehicle Advantage Program. Businesses are not eligible for benefits under this program.
You may access recovery services under the Personal ID Restoration Consulting immediately, and you will continue to be a Plan Member for as long as you are a member in good standing as defined by the membership terms and conditions and you or the plan have not cancelled the membership (Membership Period).
The benefits under this program are non-refundable, non-cancelable and non-transferable. Benefits not utilized will cease with no cash value.
Personal ID Restoration Consulting do not cover reimbursement for financial losses of any kind arising from the identity theft or recovery therefrom.
For purposes of benefits under this program, Identity Theft is defined as fraud that involves the use of a Plan Member's name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Plan Member, which is used to commit fraud or other crimes.
Eligibility for recovery services is based on ID theft events that occur, are discovered, and reported to the named provider during the Membership Period. Persons who have identity theft events that occurred prior to the beginning of the Membership Period are not eligible for benefits under this program.
Benefits are only available to residents of the United States. In the event of identity theft that occurs outside of the United States, identity recovery is only performed with agencies and institutions in the United States or territories where U.S. law applies.
The provider will not provide credit counseling or repair to credit that legitimately belongs to a Plan Member.
The provider may refuse or terminate services under this agreement if it is deemed that a Plan Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. The provider will not refuse or terminate services based on the complexity of the case.
The provider cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
Personal ID Restoration Consulting are provided by cynoSure Financial, Inc.

How to Claim Benefits:

Term Length: 12 Months

Warranty Vault ™

Term Length: 12 Months

HOME GLASS BREAKAGE

COVERAGE

Delay, loss of market, loss of use or any other Loss that is not directly associated with the incident that caused the claim including, but not limited to, Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects;
Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; or the Member’s employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment;
Deterioration, hidden or latent defect or any quality in the Member’s Primary Residence and/or Personal Effects that causes it to damage or destroy itself; or
Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents.

B. We will not pay any Loss caused directly or indirectly by any of the following:

Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or
Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

A fully completed signed claim form; and
A copy of the repair bill orthe itemized bill for materials; and
Any other documents the Administrator may reasonably request to validate a claim.

All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss or the reimbursement will be withheld.

Duties In The Event Of Loss:

Notify the police if a law may have been violated;
Take all reasonable steps to protect and preserve the Member’s Primary Residence and/or Personal Effects from further damage;
Promptly send the Administrator any legal papers or notices received concerning the Loss; and
Cooperate with the Administrator in the investigation or settlement of the claim.

Term Length: 12 Months

Delay, loss of market, loss of use or any other Loss that is not directly associated with the incident that caused the claim including, but not limited to, Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects;
Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; or the Member’s employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment; or
Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents.

B. We will not pay any Loss caused directly or indirectly by any of the following:

Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or
Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

A fully completed claim signed form; and
A copy of the paid locksmith’s bill; and
Any other documents the Administrator may reasonably request to validate a claim.

All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss or the reimbursement will be withheld..

Duties In The Event Of Loss:

Notify the police if a law may have been violated;
Take all reasonable steps to protect and preserve the Member’s Primary Residence and/or Personal Effects from further damage;
Promptly send the Administrator any legal papers or notices received concerning the Loss; and
Cooperate with the Administrator in the investigation or settlement of the claim.

Term Length: 12 Months

EMERGENCY LODGING REIMBURSEMENT

COVERAGE

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
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.

Limits of Insurance:

We will reimburse one (1) claim per twelve (12) month period for Emergency Lodging. Depending on the event We will either reimburse up to ten (10) nights at $100 per night - for an overall maximum of $1,000 or We will reimburse up to twelve (12) nights at $100 per night - for an overall maximum of $1,200
Only one (1) Emergency Lodging Reimbursement benefit will be paid per claim occurrence, and only one (1) claim per Member will be paid per twelve (12) month period.
Emergency Lodging Reimbursement coverage is excess to any other applicable insurance or indemnity program.

Emergency Lodging Reimbursement coverage does not apply if:

The Member does not maintain in force Home Insurance on the Member’s Primary Residence at the time of the Loss;
The claim under the Member’s Home Insurance is not covered or has been denied by the Member’s Home Insurance company; or
The Loss occurs prior to the start of the Coverage Period or after the Coverage Period ends.

Exclusions:

A. We will not pay any Loss caused by or resulting from any of the following:

Delay, loss of market, loss of use or any other Loss that is not directly associated with the incident that caused the claim including, but not limited to, Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special or consequential damages arising out of the use of or inability to use the Member’s Primary Residence and/or Personal Effects;
Intentional or dishonest acts by: the Member or anyone else with an interest in the Member’s Primary Residence and/or Personal Effects; or the Member’s employees or authorized representatives, whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment;
Deterioration, hidden or latent defect or any quality in the Member’s Primary Residence and/or Personal Effects that causes it to damage or destroy itself; or
Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents.

B. We will not pay any Loss caused directly or indirectly by any of the following:

Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind; or
Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.

C. What this agreement does not cover:

Any Loss involving liability or medical payments coverage provided for under the Member’s Home Insurance policy including, but not limited to, personal injury to others, personal injury to others injured on the Member’s property or damage to property of others;
Any Loss for loss of use expense as may be provided by a Home Insurance policy for expenses incurred because the Primary Residence may be uninhabitable for a period of time following a Loss to the Primary Residence;
Any Loss to a residence other than Member’s Primary Residence and/or to Personal Effects unless located at the Member’s Primary Residence;
Any Loss which occurred while the Member was not an active and paid Member of the membership plan;
Any Loss or damage to motorized vehicles of any type or intricate parts of such vehicle, watercraft, aircraft or manufactured home or structural items intended for storage, transport, display or habitation.

A copy of the claim form submitted to the Member’s Home Insurance company when the Loss occurred; and
The Declaration Page from the Member’s Home Insurance policy; and
A copy of the claim payment check the Member received from the Member’s Home Insurance company for the Loss; and
The claim explanation that came with the Home Insurance company’s claim payment check; and
A copy of the police report if a law has been violated; and
A copy of itemized receipts for Lodging Expenses.
Any other documentation that the Administrator may reasonably request to validate a claim.

All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss or the reimbursement will be withheld.

Duties In The Event Of Loss:

Notify the police if a law may have been violated;
Take all reasonable steps to protect and preserve the Member’s Primary Residence and/or Personal Effects from further damage;
Permit the Administrator to inspect the Member’s Primary Residence and/or Personal Effects and records proving Loss;
If requested, permit the Administrator to question the Member under oath, at such times as may be reasonably required, about any matter relating to this insurance or the claim, including the Member’s books and records. In such event, the Member’s answers must be signed;
Promptly send the Administrator any legal papers or notices received concerning the Loss; and
Cooperate with the Administrator in the investigation or settlement of the claim.