A. COVERAGE

During the coverage period outlined in this Agreement, Prestige Home Guard assumes the responsibility of coordinating with a qualified Independent Service Technician to repair or replace (as defined in Section K) covered systems and appliances, at Our expense and up to the limits specified in Sections D and E of this Agreement. All services rendered will comply with the terms and conditions described herein.

Your specific Agreement details, including coverage period, Agreement Fee, Service Fee, and the covered equipment, systems, and appliances, are documented in the Coverage Details accompanying this Agreement.

1. Conditions for Coverage

Coverage under this Agreement is contingent upon the following:

1. Malfunction Due to Normal Wear and Tear: Covered systems and appliances must have become inoperative due to Ordinary Wear and Tear, as defined in this Agreement. Malfunctions resulting from misuse, pre-existing conditions, or improper installation are not covered.
2. Location: Covered systems and appliances must be located:

• Inside the main foundation or a detached garage explicitly listed in the Coverage Details.
• Exceptions include systems such as pools/spas, well pumps, septic tank pumping systems, sprinkler systems, and central air conditioners, which may be located outside the foundation but remain eligible for coverage.

      3. Pre-existing Conditions: Covered systems and appliances must have been in proper working order as of the Effective Date of this Agreement.

•  Known or unknown pre-existing conditions are explicitly excluded from coverage unless otherwise specified in an enhancement clause.

       4. Property Size: Coverage is limited to homes under 5,000 square feet unless an additional fee is paid. Larger properties must be disclosed, and appropriate fees must be remitted to ensure eligibility.

2. Coverage Start Date

Coverage under this Agreement begins 30 days after receipt of the full Agreement Fee. However, if You provide documentation of prior coverage through another carrier with no lapse in coverage, Your coverage will begin immediately upon receipt of the Agreement Fee.

3. Definitions of Capitalized Terms

Capitalized terms used in this Agreement that are not defined in this section are fully explained in Section K: Definitions.

B. SERVICE REQUESTS

1. Timely Submission of Service Requests

To ensure prompt and effective service, You must initiate a service request immediately upon discovering a malfunction and before the expiration of Your Agreement term. Details for submitting a service request are outlined in Your Coverage Details.

2. Service Provider Assignment

Upon receiving Your service request, Prestige Home Guard will initiate contact with a qualified Service Provider within 4 hours. You will receive the name, contact information, and the proposed appointment date and time once the Service Provider has accepted the request.

• Exceptions to Timelines:
  In certain circumstances, such as high service demand or remote locations, it may take longer than 48 hours for a Service Provider to accept the request. Prestige Home Guard is committed to ensuring service is scheduled as quickly as reasonably possible.

3. Requirement for Pre-Approval

Services rendered without prior approval from Prestige Home Guard will not be eligible for reimbursement. All service requests must be formally authorized before any repair or replacement work is initiated.

4. Service Fee

For each service request submitted, You will be required to pay a Service Fee as specified in Your Coverage Details. This fee must be paid to the assigned Service Provider at the time of service.

• Non-Payment Consequences:
  Failure to pay the Service Fee will result in the suspension of Your Agreement. Service will not resume until all outstanding fees have been paid in full.

5. Guarantee on Completed Work

If a covered repair performed under this Agreement fails within 30 days, Prestige Home Guard will address and correct the failure at no additional cost to You, including waiving the Service Fee for the follow-up request.

6. Right to Select Service Provider

Prestige Home Guard typically selects the service provider for all approved requests, as we work with a trusted network of qualified professionals to ensure the highest standard of service for Your Covered Property. However, if You wish to use a service provider of Your choice, You must notify Prestige Home Guard in advance. The company must review and approve Your selected provider before any work begins to ensure they meet our quality and compliance standards. Approval is at the sole discretion of Prestige Home Guard.

C. COVERAGE (Plan-Dependent Coverage)

Except for Air Conditioning/Heating/Ductwork, Ceiling Fan/Exhaust Fan/Attic Fan, and Garage Door Opener, this Agreement provides coverage for no more than one Covered Item per category unless additional fees have been paid. Coverage under this Agreement is subject to the terms and conditions specified herein, including exclusions listed under each Covered Item, regardless of whether “All” is referenced in describing what is covered.

Covered Items and Specific Terms

• Clothes Dryer – COVERED:
  All components and parts.
• Clothes Washer – COVERED:
  All components and parts.
• Built-In Microwave – COVERED:
  All components and parts.
• Oven/Range/Cooktop – COVERED:
  All components and parts.
• Dishwasher – COVERED:
  All components and parts.
• Garbage Disposal – COVERED:
  All components and parts.
• Refrigerator – COVERED:
  All components and parts, including integral freezer units.
   EXCLUDED: Audio/Visual equipment and internet connection components.
• Ceiling Fan/Exhaust Fan/Attic Fan – COVERED:
  All components and parts.
• Garage Door Opener – COVERED:
  All components and parts.
   EXCLUDED: Door and door track assemblies.

Air Conditioning/Heating/Ductwork – COVERED

• Included Systems:
  All components and parts for the following systems:
  • Ducted, central, electric, split, and package units.
  • Forced air (gas, electric, oil).
  • Geothermal systems.
  • Wall-mounted units, mini-splits, heat pumps.
  • Floor furnaces, hot water or steam circulating heat, and electric baseboards.
  • Ducts (unless collapsed or clogged) from the unit to the point of attachment at registers or grills.
• Replacement:
  If a replacement is necessary, only the failed components and parts will be upgraded to meet government-mandated guidelines.
• EXCLUDED:
  • Outside or underground piping.
  • Well pumps and well pump components for geothermal or water source heat pumps.
  • Window units, water towers, chillers, and water lines.
  • Refrigerant line sets.
  • Portable units, fuel storage tanks, chimneys, pellet stoves, cable heat, or wood stoves (even if the primary heating source).
  • Insulation, collapsed/clogged ductwork, damper motors, and service valves.
  • Labor, refrigerant, and other costs related to components still under the manufacturer’s warranty.
  • Legally mandated diagnostic testing for equipment replacement.
  • Modifications required for repairing or replacing existing systems, such as air handlers when replacing condensers and vice versa.

Air Conditioning Tune-Up Eligibility

Air Conditioning Tune-Up Service is included as a benefit under this Agreement; however, it shall only be available for scheduling and performance after the Covered Property has been under continuous coverage for a minimum period of ninety (90) days from the Agreement’s effective date.

The Tune-Up Service is provided as preventive maintenance and is not intended to address pre-existing conditions or repairs. The Service shall be subject to availability, scheduling constraints, and any applicable service call fees as outlined in this Agreement. Prestige Home Guard shall not be liable for any failures, malfunctions, or damages occurring within the initial ninety (90) day waiting period, nor shall the Tune-Up Service be utilized as a remedy for any covered or non-covered failures.

The Covered Property must remain in good standing under this Agreement, with all premiums paid and no lapses in coverage, for the Tune-Up Service to be rendered. Prestige Home Guard reserves the right to modify, reschedule, or decline Tune-Up requests based on service capacity, geographic limitations, or any failure by the Homeowner to comply with the terms and conditions of this Agreement.

Water Heater (Gas/Electric) – COVERED

• Included Systems:
  All components and parts, including tankless water heaters and circulating pumps.
• EXCLUDED:
  • Fuel tanks, secondary holding or storage tanks.
  • Vents, flues, thermal expansion tanks, and energy management systems.
  • Units exceeding 75 gallons.

Electrical System – COVERED

• Included Systems:
  Electrical panels, light switches, electric outlets (D.C.), light fixtures, and wiring from the electrical panel to any Covered Item.
• EXCLUDED:
  • Circuit overloads and faceplates.
  • Components and wiring related to solar power systems, generators, or energy management systems.

Plumbing System/Stoppage – COVERED

• Included Systems:
  • Leaks and breaks of water, drain, gas, waste, or vent lines.
  • Toilets and related mechanisms, including toilet wax ring seals.
  • Faucets, shower heads, shower arms, valves for shower, tub, and diverter.
  • Angle stops, risers, gate valves, hose bibs, and basket strainers.
  • Built-in bathtub whirlpool motor, pump, and air switch assemblies.
  • Pressure regulators and sewage ejector pumps (excluding septic systems unless optional coverage is purchased).
  • Clearing of stoppages in sinks, bathtubs, showers, and toilets.
  • Clearing of mainline drain and sewer stoppages through accessible cleanouts up to 100 feet from access points.
  • Clearing of lateral drain line stoppages up to 100 feet from access points, including accessible cleanouts, p-traps, drains, or overflow access points.
• EXCLUDED:
  • Stoppages caused by collapsed, damaged, or broken drain, vent, or sewer lines outside the home’s main foundation.
  • Lines broken, infiltrated, or stopped by roots or foreign objects, even within the home’s main foundation.
  • Bathtubs, sinks, showers, shower enclosures, and base pans.
  • Toilet lids, seats, jets, caulking, or grouting.
  • Septic tanks, water filtration/purification systems.
  • Holding or storage tanks, saunas, or steam rooms.
  • Costs to locate or access cleanouts that are not found or inaccessible.
  • Costs for roof vent access or cleanout installation.

Rekey Service Clause

Under this Agreement, Prestige Home Guard provides Rekey Service, which includes rekeying of up to six (6) keyholes and the provision of four (4) identical keys. This service applies exclusively to previously installed, properly functioning, non-electronic door knobs and/or deadbolts that provide access to the structural walls of the covered residential property.

The Rekey Service does not include the replacement of deadbolts, knobs, or associated hardware, nor does it extend to garage door openers, broken or damaged locks, padlocks, or skeleton locks and keys used for windows, file cabinets, safes, desks, or mailboxes. The Homeowner acknowledges that this service is intended solely for security enhancement and does not cover repairs, modifications, or upgrades to existing lock mechanisms.

All Rekey Services are subject to scheduling availability, service call fees, and compliance with the terms of this Agreement. Prestige Home Guard reserves the right to decline service requests for ineligible locks or non-qualifying conditions as determined by its service providers.

D. OPTIONAL COVERAGE (Additional Payment Required)

Optional coverage applies to no more than one Covered Item per category unless additional fees are paid. Coverage for these items is subject to all terms and conditions of this Agreement, including any exclusions listed below, regardless of the use of the word “All” in describing coverage.

Optional Covered Items and Terms

1. Pool and/or Spa Equipment – COVERED
   • Included:
     Above-ground components and parts of the heating, pumping, and filtration systems, including:
     • Pool sweep motor and pump
     • Pump motor
     • Blower motor and timer
     • Plumbing pipes and wiring
     • Plumbing and electrical components
   • If the pool and built-in spa share common equipment, both are covered. If not, only the pool is covered unless an additional fee is paid.
   • EXCLUDED:
     • Portable or above-ground pools or spas
     • Lights, liners, jets
     • Ornamental fountains, waterfalls, and their pumping systems
     • Auxiliary pumps
     • Pool covers and related equipment
     • Fill lines and fill valves
     • Built-in or detachable cleaning equipment (e.g., pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, ionizers)
     • Fuel storage tanks
     • Disposable filtration mediums
     • Heat pumps, multi-media centers, dehumidifiers, saltwater generators, and components

2. Well Pump – COVERED
   • Included:
     All components and parts of well pumps used exclusively for the main dwelling. Coverage includes up to $500 for access, diagnosis, and repair or replacement.
   • EXCLUDED:
     • Above- or underground piping, cable, or electrical lines leading to or from the well pump, including those located within the well casing
     • Well casings, pressure switches not on the pump
     • Holding, storage, or pressure tanks
     • Booster pumps, redrilling of wells
     • Well pumps and components for geothermal or water source heat pumps

3. Sump Pump – COVERED
   • Included:
     Groundwater sump pumps.
   • EXCLUDED:
     • Portable pumps, backflow preventers, check valves

4. Central Vacuum – COVERED
   • Included:
     All mechanical system components and parts.
   • EXCLUDED:
     • Ductwork, hoses, blockages, accessories

5. Limited Roof Leak (Single-Family Homes Only) – COVERED
   • Included:
     Repairs to shake, shingle, and composition roof leaks over the occupied living area. Coverage includes up to $500 for access, diagnosis, and repair or replacement.
     • NOTE: Partial or complete roof replacements are not covered under this provision.
   • EXCLUDED:
     • Porches, patios
     • Cracked or missing materials
     • Foam roofs, tar, gravel, or metal roofs
     • Cemwood or Permatek shakes, Masonite shingles
     • Flat or built-up roofs
     • Structural leaks caused by appendages or adjacent to them
     • Downspouts, flashing, gutters, skylights, decks, patio covers
     • Solar equipment, roof jacks, antennas, satellite components
     • Chimneys, preventative maintenance

6. Standalone Freezer/Second Refrigerator – COVERED
   • Included:
     All components and parts, including integral freezer units.
   • EXCLUDED:
     • Audio/visual equipment and internet connection components

7. Septic Tank Pumping – COVERED
   • Included:
     Mainline stoppages and clogs. If the septic tank backs up into the home, one tank pumping is included per Agreement term. Coverage includes up to $250 per term for access, diagnosis, and repair or replacement.
8. Septic System – COVERED
   • Included:
     • Sewage ejector pump
     • Control box
     • Jet pump, aerobic pump
     • Coverage includes up to $500 for access, diagnosis, and repair or replacement.
   • EXCLUDED:
     • Leach lines, field lines, lateral lines, tile fields, and leach beds
     • Insufficient capacity
     • Cleanouts, pumping

9. Sprinkler System – COVERED
   • Included:
     • Control box
     • Outside or underground piping
     • Sprinkler heads
     • Coverage includes up to $500 for access, diagnosis, and repair or replacement.

10. Standalone Ice Maker – COVERED

• Included:
  All components and parts, including integral freezer units. Coverage includes up to $500 for access, diagnosis, and repair or replacement.

11. Trash Compactor – COVERED

• Included:
  All components and parts. Coverage includes up to $500 for access, diagnosis, and repair or replacement.

E. LIMITATIONS OF LIABILITY

Unless otherwise specified in Sections D2, D5, D7, D8, D9, D10, and/or D11, our maximum liability under this Agreement is capped at $5,000 per 12-month period for each Covered Item. This limit includes costs for access, diagnosis, repair, and replacement. Coverage limits apply equally to Fixed-Term Plans and Monthly Plans, with each limit calculated per Covered Item within a 12-month period starting from the Agreement’s original effective date. For multiple items listed within a single numbered section, the coverage limit applies in aggregate.

We will cover up to $500 for accessing Covered Items located behind roofs, unobstructed walls, ceilings, floors, or embedded in concrete, encased, or otherwise inaccessible. Access openings will be returned to a rough finish condition, but this is also subject to the $500 limit.

We retain the exclusive right to decide whether a Covered Item will be repaired or replaced (as outlined in Section K). At our discretion, we may offer cash or a cash equivalent in lieu of repair or replacement. The cash amount provided will reflect our actual cost, which may be lower than retail pricing. This payment will not include shipping, tax, or installation fees. If a cash settlement is issued, claims for the same Covered Item cannot be made for 12 months from the date of payment.

We reserve the right to seek a second opinion from another Service Provider at our expense to validate any claim.

Exclusions and Conditions

1. Routine Maintenance and Misuse
   • Failures arising from routine maintenance, misuse, abuse, neglect, or physical damage are not covered. Coverage applies exclusively to failures resulting from normal wear and tear.
   • If coverage is denied, and you wish to appeal, we may request routine maintenance records or a home inspection report to review our decision.
2. Upgrades and Modifications
   • We are not responsible for costs related to upgrades, modifications, or additional components necessitated by incompatibility between existing systems and replacement systems, including changes required to meet federal, state, or local standards (e.g., efficiency, refrigerant requirements) unless specified otherwise(Coverage details).
3. Manufacturer’s Defects and Warranties
   • We are not liable for repairs or replacements involving a manufacturer’s defect, recall, or items still under a manufacturer’s or distributor’s warranty.
4. Code Violations and Permits
   • Repairs or replacements required to meet current building codes, correct code violations, or obtain necessary permits are not covered unless specified otherwise(Coverage details).
5. Excluded Systems
   • Electronic or computerized energy management, lighting systems, solar systems, and similar advanced technologies are not included under this Agreement.
6. Disposal Fees
   • Additional fees may be charged by the Service Provider for the disposal of Covered Items or their components.

Liability Disclaimers

• We are not responsible for the negligence or performance of Service Providers. Additionally, we are not insurers of their work and disclaim all liability for damages caused by their actions, including but not limited to consequential, incidental, indirect, secondary, or punitive damages.
• Delays caused by factors beyond our control, including but not limited to labor disputes, supply chain issues, natural disasters, pandemics, or acts of war, are not our responsibility. Services will resume as soon as conditions permit.

By accepting this Agreement, you waive all rights to attorneys’ fees, indirect damages, and punitive damages, except for actual out-of-pocket expenses incurred under covered claims.

Commercial Use and Exclusions

• This Agreement does not cover commercial properties, properties used as businesses, or the repair or replacement of commercial-grade systems or appliances.

F. MULTIPLE UNITS AND INVESTMENT PROPERTIES

1. Limited Coverage for Multi-Unit Properties
   • Coverage is not extended to duplexes, triplexes, or fourplexes unless the specific unit within the property is explicitly listed as Covered Property in this Agreement and optional coverage is purchased for Common Systems.
   • For multi-unit properties with five or more units, only items within the boundaries of the covered unit are eligible for coverage. Common Systems are explicitly excluded unless otherwise specified.
2. Common Systems Exclusion
   • Except as noted above, Common Systems serving multiple units, apartments, or properties are excluded from coverage under this Agreement.

G. TRANSFER OF AGREEMENT & RENEWALS

You have the option to transfer this Agreement at any time without incurring any additional fees.

Renewal of Agreement:
This Agreement may be renewed at our discretion. If renewed, and unless you actively cancel, your Agreement will automatically transition to a monthly plan at your current coverage level and at the prevailing monthly rate for that plan. You will be notified of the applicable renewal rate and terms prior to the renewal period.

For customers on a monthly plan:

• Unless you cancel the Agreement in writing at least 30 days before the end of your current Agreement term, your plan will automatically renew on a monthly basis at the prevailing monthly rate and at your existing coverage level.
• We will notify you in writing 60 days prior to any changes in your monthly rate or Agreement terms.

To cancel your Agreement or opt out of auto-renewal, contact us toll-free.

H. CANCELLATION 

This Agreement may be canceled by us under the following circumstances:

1. Nonpayment of Agreement Fee: If you fail to pay the required Agreement Fee.
2. Nonpayment of Service Fee: If you fail to pay the Service Fee for any service request.
3. Fraud or Misrepresentation: If you provide false or misleading information that is material to the issuance of this Agreement.
4. Mutual Agreement: If both you and we agree to terminate the Agreement.

Customer Cancellation Rights:
You may cancel this Agreement at any time for any reason.

• Cancellation within 30 Days:
  If you cancel within the first 30 days from the Order Date, we will refund the Agreement Fee you paid, minus any Service Costs incurred by us, unless otherwise prohibited by law.
• Cancellation after 30 Days:
  If you cancel after the first 30 days, we will provide a prorated refund of the Agreement Fee for the remaining term of your Agreement, calculated at the end of the month in which the cancellation occurs.
  • This refund will be less any Service Costs incurred by us, unless otherwise prohibited by law.
  • If our Service Costs exceed the Agreement Fees eligible for refund, you will be required to pay us the lesser of:
    1. The difference between our incurred Service Costs and the total Agreement Fees paid; or
    2. For monthly plans, the amount by which your Annual Monthly Agreement Fee exceeds the amount already paid in the year of your cancellation.

Additionally, you will be charged an administrative fee equal to the lesser of:

1. $50; or
2. The maximum amount permitted by law.

For further details or to initiate a cancellation, contact us using the toll-free number provided.

I. RESOLUTION OF DISPUTES – MANDATORY ARBITRATION

(Refer to Section L for state-specific details)

Mediation:
In the event of any dispute or disagreement arising out of or related to this Agreement, you are required to submit a written claim to us and allow us a period of 30 calendar days to respond to your claim.

Mandatory Arbitration:
Any claim, dispute, or controversy—whether rooted in contract, tort, statute, or other legal theory—arising out of or relating to this Agreement or the relationships between the parties shall be resolved exclusively through binding arbitration. This arbitration will be conducted by a single arbitrator under the rules of the American Arbitration Association (AAA), specifically its Commercial or Consumer Arbitration Rules, as applicable, effective at the time the claim is filed.

• AAA Rules and forms are accessible at adr.org or by calling 1-800-778-7879.
• The arbitrator’s decision will be final, binding, and non-appealable.
• Judgment on the arbitration award may be entered in and enforced by any court with jurisdiction.

This arbitration clause is pursuant to a transaction involving interstate commerce and is governed by the Federal Arbitration Act (9 U.S.C. § 1, et seq.).

Neither party may pursue claims in court except to enforce the arbitration clause or an arbitrator’s award. Any such court proceeding may be brought only in a Federal District Court, or if that court lacks jurisdiction, in a state court with appropriate jurisdiction.

The arbitrator has the sole authority to decide disputes regarding the interpretation, applicability, enforceability, or formation of this Agreement, including claims of unconscionability, voidness, or voidability. However, this authority does not extend to matters covered under the Class Action Waiver provision below.

Class Action Waiver:
All claims, disputes, or controversies arising from or related to this Agreement must be pursued individually and not as part of any class, collective, representative, or multiple-party proceeding.

• You waive your right to participate in any class action or similar proceeding in any forum.
• The arbitrator has no authority to combine or aggregate claims, conduct class proceedings, or grant awards to anyone who is not a direct party to the arbitration.

If any part of this Class Action Waiver is deemed unenforceable, void, or unconscionable, such determination shall only be made by a court of competent jurisdiction, not an arbitrator.

Acknowledgment of Arbitration and Class Action Waiver:
By entering into this Agreement, the parties explicitly waive their rights to litigate disputes in court, to have claims decided by a judge or jury, and to participate in a class or representative action.

Multiple Agreements:
If you hold more than one Agreement with us, separate arbitration proceedings must be filed for each Agreement. No single arbitration can cover multiple Agreements.

Choice of Law and Venue:
All matters regarding the construction, validity, interpretation, and enforcement of this Agreement shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict-of-law rules. Any legal proceedings arising from this Agreement must be held in the State of New Jersey, unless prohibited by applicable law or otherwise mutually agreed upon by the parties.

K. Definitions

“Agreement Fee”
The total amount specified as Your “Rate” on the Coverage Details page, representing the cost of this Agreement and the amount paid by You.

“Annual Monthly Agreement Fee”
The recurring Agreement Fee applicable to each respective 12-month period, calculated from either the Order Date or the coverage effective date, whichever occurs later.

“Common Systems”
Refers to shared systems or appliances utilized by multiple units, including apartments, townhomes, single-family homes within multi-family complexes, or other properties with communal systems.

“Coverage Details”
A document preceding this Agreement, labeled “Coverage Details” at the top. This document includes Your personal and property-specific information, such as Your name, contract number, covered property address, Agreement Fee, and Service Fee.

“Covered Item”
Any numbered item listed within Sections C1 to C13 and Sections D1 to D11 of this Agreement. Note that certain Covered Items require additional fees for coverage. Consult the Coverage Details for a comprehensive list of items included in Your policy.

“Fixed-Term Plan”
A home warranty plan with a predefined term of one year or longer, offering uninterrupted coverage for the duration specified.

“Monthly Plan”
A home warranty plan providing coverage on a month-to-month basis with recurring monthly payments.

“Order Date”
The calendar date on which You submitted the payment for Your Agreement Fee, marking the initiation of the processing of Your coverage.

“Replace” or “Replacement”
Refers to Our obligation to substitute a Covered Item with a replacement of comparable features, capacity, and efficiency. This applies specifically to items such as clothes dryers, washers, built-in microwaves, ovens/ranges/cooktops, dishwashers, refrigerators, and garbage disposals.

• Replacement may not include matching dimensions, brand, or color.
• For all other Covered Items, replacements will consist of builder’s standard-grade equipment, typically available in standard sizes and configurations to fit most homes.
• We will not be responsible for costs exceeding the price of builder’s standard-grade equipment, including associated labor expenses.

“Service Costs”
The expenses incurred by Us for accessing, diagnosing, repairing, or replacing Covered Items during the term of Your Fixed-Term Plan or, for Monthly Plans, within each 12-month period starting from the Order Date or coverage effective date.

“Service Fee”
The designated fee You must pay to the Service Provider upon requesting a service under this Agreement. The Service Fee is detailed in Your Coverage Details.

“Service Provider”
A certified contractor or technician within Our authorized network responsible for performing repairs or replacements under this Agreement. These Service Providers are independent contractors and not Our employees.

“You” or “Your”
The individual or individuals named as the holders of this Agreement.

We offer service agreements which are not warranties.

This is not a contract of insurance.

The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.