Home Protection Plan Plus (HDR+GB+LO+50%AERR+EL) - One Year

 
DEFINITIONS
 
When in bold, certain words and phrases are defined as follows:
 
Administrator means cynoSure Financial, Inc.  The Member should contact the Administrator if they have questions regarding this coverage or would like to make a claim.  The Administrator can be reached by phone at 1-877-296-4892.
 
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.
 
Coverage Period means the period starting on the membership effective date and will continue one (1) year.
 
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, power tools, televisions, and television receivers.
 
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 accidental physical loss or damage to the Members Primary Residence and/or Personal Effects, except as otherwise excluded in these terms and conditions.
 
Member, You, Your means the person who is a member in good standing in the AssurancePlus Home Protection Plan:

1. Who has paid the membership fee;  and
2. Whose name is shown on the enrollment/registration form.

 
Personal Effects means the personal property of the Member which are located at the Primary Residence.
 
Primary Residence means a permanent residence of the Member which is recognized and covered by a policy of Home Insurance as the Primary Residence.
 
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, Our means AssurancePlus.  

Insurer means the insurer Underwriting this Benefit which is an AM Best “A” rated carrier.

HOME DEDUCTIBLE REIMBURSEMENT 
 
COVERAGE
We will reimburse the covered Member for a Loss that occurs during the Coverage Period to the Members Primary Residence or Personal Effects, equal to the deductible limit shown on the Members Home Insurance policy or up to a maximum of $1,000 per claim, whichever is less. Coverage is effective from the date of the 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:

 

1. The Member does not maintain in force Home Insurance on the Members Primary Residence at the time of the Loss;
2. The claim under the Member’s Home Insurance is not covered or has been denied by the Member’s Home Insurance company;
3. 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 because the Loss to the Members Primary Residence and/or Personal Effects does not exceed the current Home Insurance deductible;
4. The Members Home Insurance company has waived the Home Insurance policy deductible; or
5. The Loss occurs prior to the start of the Coverage Period or after the Coverage Period ends.

 
Limits of Insurance:

1. The most We will pay for any one (1) Loss is a maximum of $1,000.
2. 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.
3. Home Deductible Reimbursement coverage is excess to any other applicable indemnity program.

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

1. Delay, loss of market, loss of use or any other Loss 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 Members Primary Residence and/or Personal Effects;
2. Intentional or dishonest acts by: the Member or anyone else with an interest in the Members Primary Residence and/or Personal Effects; or the Members 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. Deterioration, hidden or latent defect or any quality in the Members Primary Residenceand/or Personal Effects that causes it to damage or destroy itself; or
4. 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:

1. Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
2. 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
3. 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:

1. 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;
2. Any Loss for loss of use as may be provided for under the Member’s 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;
3. Any Theft of Personal Effects where visible signs of forced entry are not present, or mysterious disappearance;
4. Any Loss to a residence other than Member’s Primary Residence and/or to Personal Effects unless located at the Member’s Primary Residence;
5. Any Loss which occurred while the Member was not an active and paid Member of the membership plan;
6. 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, consumable items or items intended for commercial use; or
7. 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 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:

1. A fully completed, signed claim form; and
2. A copy of the claim form submitted to the Members Home Insurance company when the Loss occurred; and
3. The Declaration Page from the Members Home Insurance policy; and
4. A copy of the claim payment check the Member received from the Members Home Insurance company for the Loss; and
5. The claim explanation that came with the Home Insurance company’s claim payment check; and
6. A copy of the police report if a law has been violated;  and
7. 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.
 
 
HOME GLASS BREAKAGE
 
COVERAGE
If during the Coverage Period, a window is broken at a Members 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:
 

1. 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;
2. Intentional or dishonest acts by: the Member or anyone else with an interest in the Members Primary Residence and/or Personal Effects; or the Members 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. Deterioration, hidden or latent defect or any quality in the Members Primary Residence and/or Personal Effects that causes it to damage or destroy itself; or
4. 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:

1. Seizures or destruction of the Members Primary Residence and/or Personal Effects by order of governmental authority;
2. 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
3. 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: 

1. A fully completed signed claim form; and
2. A copy of the repair bill or the itemized bill for materials; and
3. 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:

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

 
 
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:

1. 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;
2. 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 Members 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
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.

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

1. Seizures or destruction of the Members Primary Residence and/or Personal Effects by order of governmental authority;
2. 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
3. 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:

1. A fully completed claim signed form; and
2. A copy of the paid locksmiths bill; and
3. 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:

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

 
 
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:

1. 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;
2. Loss resulting from damage to or failure of product used for commercial or outdoor purposes;
3. Loss resulting from Acts of God;
4. Loss resulting from theft, water damage, fire damage, physical damage, power surges, intentional damage, negligence, misuse or abuse;
5. Loss resulting from repairs to upgrade or improve the eligible product;
6. Cleaning or other preventative maintenance required to maintain normal operation of the Appliance or Electronic Equipment;
7. Any charges other than parts and labor or charges where a repair was not performed by a repair company; or
8. Loss resulting from normal wear and tear including cosmetic items such as scratches, dents, finishes etc.
9. 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.
10. Loss that was not incurred by You, the member.
11. Loss resulting from a replacement of an item, is not covered by this Plan.
12. 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:

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.
 
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:

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.
    

Limits of Insurance:

1. 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
2. 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.
3. Emergency Lodging Reimbursement coverage is excess to any other applicable insurance or indemnity program.

 
Emergency Lodging Reimbursement coverage does not apply if:

1. The Member does not maintain in force Home Insurance on the Member’s Primary Residence at the time of the Loss;
2. The claim under the Member’s Home Insurance is not covered or has been denied by the Member’s Home Insurance company; or
3. 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:

1. 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;
2. 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;
3. 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
4. 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:

1. Seizures or destruction of the Member’s Primary Residence and/or Personal Effects by order of governmental authority;
2. 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
3. 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:

1. 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;
2. 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;
3. Any Loss to a residence other than Member’s Primary Residence and/or to Personal Effects unless located at the Member’s Primary Residence;
4. Any Loss which occurred while the Member was not an active and paid Member of the membership plan;
5. 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:

1. A copy of the claim form submitted to the Member’s Home Insurance company when the Loss occurred; and
2. The Declaration Page from the Member’s Home Insurance policy; and
3. A copy of the claim payment check the Member received from the Member’s Home Insurance company for the Loss; and
4. The claim explanation that came with the Home Insurance company’s claim payment check; and
5. A copy of the police report if a law has been violated;  and
6. A copy of itemized receipts for Lodging Expenses.
7. 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:

1. Notify the police if a law may have been violated;
2. Take all reasonable steps to protect and preserve the Member’s Primary Residence and/or Personal Effects from further damage;
3. Permit the Administrator to inspect the Member’s Primary Residence and/or Personal Effects and records proving Loss;
4. 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;
5. Promptly send the Administrator any legal papers or notices received concerning the Loss;  and
6. 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:

1. Concealed or misrepresented any material circumstance concerning this insurance, or
2. 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.


Rev 03.20.2019