We have partnered with HomeServe so that HomeServe can offer repair plans to our members to help protect them from the worry of covered home emergencies.

An owner of a residential single structure that is not intended to be moved may be eligible for coverage. This includes single family homes (inclusive of manufactured housing) and townhomes. Recreational vehicles and properties used for commercial purposes are not eligible. Your property is not eligible if you are aware of any pre-existing conditions, defects or deficiencies with your exterior electrical line prior to enrollment or have an electrical services entrance rated less than 80 amps. If your entire exterior electrical line is shared with any third party or covered by a homeowners', condominium, or like association, then you are not eligible.

No, coverage is optional.

As a homeowner, you are responsible for some of your exterior electrical line components.

Most basic homeowners insurance policies do not cover repair or replacement due to normal wear and tear of exterior electrical components.

What's covered: Coverage provides, up to the benefit amount, for the covered cost to repair or replace the following components of an overhead or underground exterior electrical line, for which you have sole responsibility, from your utility's responsibility to the external wall of your home, if the component has failed or is creating a hazardous condition due to normal wear and tear, not accident or negligence: weatherhead, insulator, riser, meter base, service entrance conductor, and permanent high voltage electrical wiring.

Not covered: Repairs to damage arising from the disconnection or interruption to the main electrical supply; transformers; repair of low voltage wiring; generators; non-utility supplied power and/or lines; appliances such as pool heaters; and damage from accidents, negligence or otherwise caused by you, others, or unusual circumstances. The meter that measures the amount of electricity used is not covered by this plan, but it may be covered by your local utility. Additional exclusions apply. To see full Terms and Conditions with complete coverage and exclusion details prior to enrolling call 1-833-334-1874 or go to www.homeserveusa.com.

HomeServe has a rigorous recruiting and approval process for technicians. In order to remain in the network, technicians must continuously perform to high standards. They are all licensed, insured, and are local in your area to ensure prompt response time to your service calls.

Local, licensed and insured electricians perform covered repairs, which are guaranteed against defects in materials and workmanship for one year.

HomeServe sets out a benefit amount based on current average costs for these types of repairs and works with reputable technicians who provide fair pricing on labor and materials. In the event that there is a repair that costs more than the benefit amount, you would be responsible for that cost.

Your plan starts the day your form is processed, and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), you will not be subject to a waiting period.

There is a waiting period to prevent service calls on pre-existing conditions and help keep coverage affordable. The waiting period is only applied to your first year of coverage.

You may cancel within 30 days of your start date for a full refund (or less any claims paid if cancelled at any time after renewal/reactivation, where applicable). Cancellations after the first 30 days will be effective at the end of the then-current billing month, and you will be entitled to a pro-rata refund less any claims paid (where applicable). You may also contact HomeServe to cancel if you find your utility or municipality provides similar coverage to you at no charge, and you will receive a refund less any claims paid (where applicable).

Your coverage is based on an annual contract. For E-Z Pay, credit card, or debit card customers: regardless of the payment frequency you select, your service agreement will be automatically renewed annually on the same payment terms selected, at the then-current renewal price.

E-Z Pay is a paperless and stress-free way to pay for your coverage. Payments are automatically debited from the bank/checking account of your choice as your payment becomes due at no additional cost.

It does not happen very often, however members should consider the age and condition of their electrical service. It is also important to consider site-specific chronic (freeze/thaw cycles, installation manner, etc.) and acute (unknown damage from digging, moles/gophers, etc.) issues that could cause underground line to fail. It can often be one of these types of issues rather than the line reaching the end of its scheduled lifespan that cause the wire to fail.