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ELECTRONICS
MAJOR APPLIANCES

These terms and conditions (“Plan”) constitute a legal contract.  By purchasing it, you understand that it is such a contract and acknowledge that you have had the opportunity to read the Plan set forth herein.  The Plan together with your sales receipt constitute the entire agreement.

  1. Plan Provider (Obligor):  AIG Warranty Services and Insurance Agency (“AIGWS”) is the Obligor under this Plan, except in Florida, Oklahoma and Wisconsin.  AIGWS can be contacted at 300 Riverside Plaza, Chicago, IL 60606 or (800) 250-3819.  In Florida, the Obligor is New Hampshire Insurance Company, (“NHIC”), 175 Water St, 20th Floor, New York, NY 10038, (800) 250-3819.  In Oklahoma, the Obligor is the dealer, 1-800-930-3986.  In Wisconsin, the Obligor is Warranty Corporation of America, Inc., 3110 Crossing Park Road, Norcross, Georgia 30071. 
  2. Definitions:  Throughout this Plan, the following words shall have the following meanings:  (1) “we,” “us,” and “our” mean the company obligated under this Plan (“Obligor”); (2) the words “you” and “your” mean the person who purchased the Plan or the person to whom the Plan was transferred pursuant to the terms and conditions of this Plan; (3) "dealer" is the entity from which you purchased this Plan; (4) “product” refers to each item that is covered by this Plan. 
  3. Term:  The term of this Plan begins as of the date of product purchase. 
  4. Coverage:  Coverage under this Plan begins when the manufacturer's warranty ends, except where noted otherwise in this section.  Depending on the coverage you have selected, this Plan provides for the repair or replacement of your product to its standard operating condition if the product fails to perform its intended functions due to normal wear and tear or a defect in either materials or workmanship.  There is no deductible under this Plan.  If we determine that your product cannot be repaired, we will replace it with a product of like kind and quality.  This Plan covers qualifying products sold and residing in the U.S.A. only. 
    1. Carry-In Service:  If your Plan has Carry-In Service, you will be responsible for delivering the product to the designated service location and picking up the product upon the completion of the repair. 
    2. Depot Service:  If your Plan has Depot Service, We will pay the shipping charges to and from the designated service location. 
    3. Food Spoilage:  We will reimburse you for food loss that results from a covered mechanical or electrical component failure on a refrigerator or stand-alone freezer.  This coverage begins the day after you receive and install the product.  Our limit of liability for this coverage will be either two hundred fifty dollars ($250) or five hundred dollars ($500), depending on the price of the product actually purchased.  The number of claims is limited to one occurrence per product within any consecutive twelve-month period.  We reserve the right to request purchase receipts and/or a list of spoiled contents when making a claim.
    4. Major Appliances:  Products include, but are not limited to: dishwashers; dryers; freezers; garbage disposals; microwave ovens; ovens; range hoods; exhaust systems; ranges; counter cooktops; refrigerators; room air conditioners; trash compactors; and clothes washers.  All functional internal factory installed parts are covered, such as bearings, clocks and timers, compressors, electrical wiring, heating elements, internal hoses, motors, safety switches, sealed systems, seals and gaskets, switches, thermostats, and valves.
    5. No Lemon Guarantee (Repair Plans Only):  This section applies after we have completed two service repairs for the same problem on an individual product, which problem first began after the expiration of the manufacturer’s warranty.  If that product requires a third repair as determined by Us, We reserve the right to replace the product with one of like kind and quality, not to exceed the original retail purchase price excluding shipping, handling and taxes.  Once a product is replaced, then for that product this Plan is considered fulfilled and coverage ends.  We may request that you return the original product to us.  Preventative maintenance checks, cleanings, product diagnosis, customer education, accessory repairs or replacements are not considered repairs for the purposes of the No Lemon Guarantee.
    6. On-Site Service:  If Your Plan has on-site service, you must provide a safe, non-threatening environment for our technicians in order to receive on-site service.  Due to environmental or technical requirements, if certain repairs cannot be completed where the product is located and must be repaired at another location, this Plan will cover all shipping and handling costs.  Products installed in cabinetry and other types of built-in applications are eligible for service as long as you make the product accessible to the service technician.  We are not responsible for dismantling or reinstallation of fixed infrastructure when removing or reinstalling a repaired or replaced product into a custom installation. 
    7. Power Surge Protection:  This Plan provides power surge protection in excess of any other insurance coverage, from the date of purchase of this Plan. 
    8. Replacement Plans:  If you have purchased a Product Replacement Plan, the product will be replaced, not repaired.  Call 1-800-930-3986.  You may be required to ship the product, at your expense, to a designated location for inspection.  If the product qualifies for replacement, you will receive a new or remanufactured product of like kind, and quality.  Once the replacement process is completed for a product, then for that product this Plan is fulfilled and coverage ends.  If the product is found to be non-defective, it will be returned to you.
  5. Registration:  It is not necessary to register your product in order to validate this Plan.
  6. Plan Limits of Liability:  The combined payments of all claims for any one product covered under this Plan shall not exceed the original purchase price of that product excluding shipping, handling and taxes.  If we determine that a product is not repairable, we may replace it with one of like kind and quality, or at our discretion we may reimburse you for the original purchase price of that product, less shipping, handling and taxes.  Once a product is replaced or reimbursed, then for that product this Plan is considered fulfilled and coverage ends.  Each remaining product is covered until it is replaced, reimbursed, its claim limit is reached, or the Plan term expires. 
  7. Plan Holder’s Responsibilities:  You must follow the instructions that are in the owner’s manual for proper use, care and maintenance of your product.  Failure to follow the manufacturer’s maintenance and service guidelines may result in the denial of coverage under this Plan. 
  8. Purchaser Records:  You may be asked to provide proof of purchase as a condition for receiving service under this Plan.  YOUR ORIGINAL PURCHASE RECEIPT SHOULD BE KEPT WITH THIS PLAN IN A SAFE PLACE.
  9. If Your Product Needs Service:  For service on your product during the manufacturer’s warranty period, please contact the manufacturer at the number or website listed in your owner’s manual.  After the manufacturer’s warranty expires, you may begin the claims process under this Plan by calling 1-800-930-3986.  Repair service will be available during regular business hours, Monday through Friday excluding holidays, and will be provided by an authorized service provider.  After we authorize your claim, you may arrange for service and we will pay the reasonable cost for parts and labor that we authorize.  If we determine that your product cannot be repaired, at our discretion we may replace it either with a new or remanufactured product of like kind and quality, or with a reimbursement equal to the original purchase price of the product excluding shipping, handling and taxes.  AT OUR OPTION, REPLACEMENTS WILL BE NEW, REBUILT, OR NON-ORIGINAL MANUFACTURER’S PARTS OR PRODUCTS THAT PERFORM TO THE ORIGINAL FACTORY SPECIFICATIONS.  We may request that you return the original product to us.  Once a product is replaced or reimbursed, then for that product this Plan is considered fulfilled and coverage ends. 
  10. Availability of Services:  While we try to complete service as quickly as possible, we are not responsible for delays caused by factors beyond our control, including but not limited to manufacturer’s delays, shipment to a service facility or acts of God.
  11. Contractual Liability Insurer:  If you reside in any of the following states:  AL, AK, AZ, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NM, ND, OH, OR, PA, RI, SC, SD, TN, TX, UT, VT, WV, WI or WY, this Plan is secured by a contractual liability or reimbursement insurance policy provided by Illinois National Insurance Company, 175 Water St, 20th Floor, New York, NY 10038, (800) 250-3819.  If, within sixty (60) days, we have not paid a covered claim, provided you with a refund or you are otherwise dissatisfied, you may make a claim directly to the insurance company.  If you reside in any of the following states:  AR, CA, FL, MS, OK, NY, NC or VA, this Plan is secured by a contractual liability or reimbursement insurance policy provided by New Hampshire Insurance Company, 175 Water St, 20th Floor, New York, NY 10038, (800) 250-3819.  If, within sixty (60) days, we have not paid a covered claim, provided you with a refund or you are otherwise dissatisfied, you may make a claim directly to the insurance company.
  12. Exclusions – What Is Not Covered: 
    1. Any part, material, or supply designed to be consumed during the life of the product, such as but not limited to: blades; external hoses; filters; fluids; fuses; pads;
    2. Components or products used for any commercial, public, lease or other non-residential purpose;
    3. Cosmetic defects, damage to or failures of non-operational components that do not inhibit the proper operation and performance of a covered item, such as but not limited to: appearance parts; blades; cabinet frames; cabinetry; cracked cases; decorative finishing; dials; door liners; drip pans; enamel parts; finish defects; glass; grates; handles; hinges; knobs; masks; nonfunctional plastic; porcelain; racks; rollers; shelves; and trim;
    4. Damage incurred prior to the effective date of coverage;
    5. Damage or costs resulting from: improper gas or water connections; improper electrical wiring or connections; improper installation or setup; use in any combinations not approved in the manufacturer’s specifications; unauthorized modifications, alterations, repairs or repair personnel;
    6. Failure, inoperability, or disruption of any product or product functions due to any design flaw or systemic manufacturing defect;
    7. Failures, damage or loss caused by any physical force external to the product, whether accidental or intentional, including but not limited to: any disaster, whether natural (acts of God) or man-made, whether local or catastrophic; abuse; acts of war; civil disorders; corrosion; dirt; dust; earthquake; fire; hail; insects or other animals; lightning; liquid immersion; malicious mischief; misuse; negligence; nuclear accident; riot; rust; sand; smoke; storm; terrorist attack; vandalism; wind;
    8. Installation or de-installation of any product is not covered under this Plan;
    9. Loss or damage to the product either while in storage or in the course of transit, delivery, or redelivery;
    10. Normal periodic or preventative maintenance, inspections, cleaning, or tune-ups; minor adjustments and settings outlined in the product owner's manual that the user can perform; costs related to any service request which results in customer education or no problem found;
    11. Products whose serial number has been altered or removed;
    12. Repair or replacement covered by any other warranty, service agreement, insurance policy or manufacturer recall in effect at the time of the failure;
    13. Repair or replacement due to failure to properly operate, maintain, or clean the covered product in accordance with local codes and the manufacturer’s printed instructions;
    14. Special, indirect, or consequential damages or loss, due to:  an inaccessible product or part; delays; loss; loss of use; noise; personal items left in the product to be repaired or replaced; theft;
  13. Renewal:  Repair Plans may be renewable.  Please call 1-800-930-3986 for more information.  The renewal price will reflect the age, condition of the product, and current service costs at the time of the renewal.  Replacement Plans are not renewable.
  14. Transfer:  This Plan may be transferred to an eligible party to whom you sell or give all products under this Plan while it is in force.  For more information, please call 1-800-930-3986 or send your request in writing within fifteen (15) days of transfer to the administrative address cited below.  Include your name and Plan number, and the name, address and phone number of the new owner. 
  15. Cancellation:  You may cancel this Plan for any reason at any time.  To cancel this Plan, submit your request in writing to the administrator at the address cited below.  If you cancel within sixty (60) days of receipt of this Plan, and we have not paid a claim, you will receive a full one hundred percent (100%) refund of the original Plan purchase price, excluding shipping, handling and taxes.  If you cancel after sixty (60) days, or at anytime after we pay a claim, you will receive a pro rata refund of the Plan price based on the days remaining, less any claims paid.  Neither the dealer nor we can cancel this Plan except in the event of your fraud, material misrepresentation or failure to pay the Plan price. 

If you reside in one of the following states, these provisions apply to you: 

Arizona:  If you’re written notice of cancellation is received prior to the expiration date, the administrator shall refund the remaining pro-rata price, regardless of prior services rendered under this Plan.  The pre-existing condition exclusion does not apply to conditions occurring prior to the sale of the consumer product by the Obligor, its assignees, subcontractors and/or representatives. 
California:  Warranty Corporation of America (“WaCA”) is the administrator of this Plan.  WaCA can be contacted at 3110 Crossing Park Rd, Norcross, GA 30071. 
Connecticut:  The expiration date of this Plan shall automatically be extended by the duration that the product is in our custody being repaired.  In the event of a dispute with the administrator, you may contact the State of Connecticut Insurance Department, PO Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs.  The written complaint must contain a description of the dispute, the purchase price of the product, the cost of repair of the product and a copy of the Plan. 
Florida:  The Plan shall be cancelled by us for fraud or material misrepresentation, including but not limited to commercial or rental use.  Unauthorized repair or replacement of covered equipment shall result in the cancellation of the Plan by us.  In the event of cancellation by us, written notice of cancellation shall be mailed to you not less than sixty (60) days before cancellation is effective.  This Plan can be cancelled by you at any time for any reason by emailing, mailing or delivering to us notice of cancellation.  If the Plan is cancelled: (a) within thirty (30) days of the receipt of the Plan, you shall receive a full refund of the price paid for the Plan provided no service has been performed, or (b) after thirty (30) days, you will receive a refund based on 100% of unearned pro rata premium less any claims that have been paid or less the cost of repairs made by us.  If we cancel the Plan, the return premium is based upon 100% of the unearned pro rata premium. 
Georgia:  This Plan shall be non-cancelable by us except for fraud, material misrepresentation, or failure to pay consideration due therefore.  The cancellation shall be in writing and shall conform to the requirements of Code 33-24-44.  You may cancel at any time upon demand and surrender of the Plan and we shall refund the excess of the consideration paid for the Plan above the customary short rate for the expired term of the Plan.  Subparts (d) and (n) of the "What is Not Covered" section of the Plan are revised as follows: (d) Pre-existing conditions known to you or reasonably should have been known to you; (n) Incidental or consequential damages known to you or reasonably should have been known to you, including but not limited to, lost business, loss of profits, down-time and charges for time and effort.  
Kansas:  This Plan is not an insurance policy. 
Nevada:  This Plan is not an insurance policy.  You are entitled to a “Free Look” period for this Plan.  If you decide to cancel this Plan within thirty (30) days of purchase, you are entitled to a one hundred percent (100%) refund of any fees paid.  If you cancel this Plan after thirty (30) days from purchase, you will receive a pro rata refund based on the days remaining, less a cancellation fee of twenty-five dollars ($25) or ten percent (10%) of the Plan fee, whichever is less.  If we fail to pay the cancellation refund within forty-five (45) days of your written request we will pay you a penalty of ten percent (10%) of the purchase price for each thirty (30) day period or portion thereof that the refund and any accrued penalties remain unpaid.  We can cancel this Plan due to unauthorized repairs which result in a material change in the nature or extent of the risk, occurring after the first effective date of the current Plan, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the Plan was issued or last renewed.  If we cancel this Plan no cancellation fee will be imposed and no deduction for claims paid will be applied. 
New Mexico:  If this Plan has been in force for a period of seventy (70) days, We may not cancel before the expiration of the Plan term or one (1) year, whichever occurs first, unless: (1) you fail to pay any amount due; (2) you are convicted of a crime which results in an increase in the service required under the Plan; (3) you engage in fraud or material misrepresentation in obtaining this Plan; (4) you commit any act, omission, or violation of any terms of this Plan after the effective date of this Plan which substantially and materially increase the service required under this Plan; or (5) any material change in the nature or extent of the required service or repair occurs after the effective date of this Plan and causes the required service or repair to be substantially and materially increased beyond that contemplated at the time you purchased this Plan. 
North Carolina:  The purchase of this Plan is not required either to purchase or to obtain financing for a home appliance. 

OKLAHOMA:  THIS PLANIS NOT ISSUED BY THE MANUFACTURER OR WHOLESALE COMPANY MARKETING THE PRODUCT COVERED BY THIS PLAN.  THIS PLANWILL NOT BE HONORED BY SUCH MANUFACTURER OR WHOLESALE COMPANY.  IF EITHER YOU OR WE CANCEL THIS PLAN, THE RETURN OF THE PLANPRICE WILL BE BASED UPON ONE HUNDRED PERCENT (100%) OF THE UNEARNED PRO RATA PRICE OF THE PLAN, LESS THE COST OF ANY SERVICE RECEIVED.  THE DEALER IS THE OBLIGOR UNDER THIS PLAN. 

South Carolina:  To prevent any further damage, please refer to the owner’s manual.  In the event the Plan provider does not provide covered service within sixty (60) days of proof of loss by the Plan holder, you are entitled to apply directly to the insurance company.  If the insurance company does not resolve such matters within sixty (60) days of proof of loss, you may contact the South Carolina Department of Insurance, PO Box 100105, Columbia, SC 29202-3105, or (800) 768-3467. 
Texas:  If you purchased this Plan in Texas, unresolved complaints concerning a provider or questions concerning the registration of a Plan provider or administrator may be addressed to the Texas Department of Licensing and Regulations, PO Box 12157, Austin, TX 78711 or (512) 463-2906 or (800) 803-9202.  If You have not received a refund by any means before the forty-sixth (46th) day after the date the Plan is returned to Us, You may apply for reimbursement directly to Illinois National Insurance Company, located at 175 Water St, 20th Floor, New York, NY 10038 or (800) 250-3819. 
Utah:  Coverage afforded under this Plan is not guaranteed by the Utah Property and Casualty Guarantee Association.  If we cancel this Plan due to fraud or material misrepresentation, you will be notified thirty (30) days prior to Plan cancellation.  If we cancel this Plan due to nonpayment, you will be notified ten (10) days prior to Plan cancellation. 
Washington:  This Plan is not a Plan of insurance.  This Plan is secured by a contractual liability insurance policy provided by Illinois National Insurance Company, located at 175 Water St, 20th Floor, New York, NY 10038 or (800) 250-3819.  You may make a claim directly to the insurance company at any time. 
Wisconsin:  THIS AGREEMENT IS SUBJECT TO LIMITED REGULATION BY THE WISCONSIN OFFICE OF THE COMMISSIONER OF INSUR­ANCE.  This Contract shall not be cancelled nor can coverage be denied due to unauthorized repair of the covered equipment, unless we are prejudiced by your failure to obtain such authorization.  If you cancel this Contract, no deduction shall be made from the refund for the cost of any service received.  Warranty Corporation of America is the Obligor under this Contract.  This Contract is backed by a contractual liability insurance policy with limits of liability of five thousand dollars ($5,000) per claim and twenty-five thousand dollars ($25,000) in aggregate per Contract. 

 

Administered by:
Warranty Corporation of America
3110 Crossing Park Rd., Norcross, GA 30071
Toll-Free Customer Service:  1-800-930-3986