Additions to your AAA homeowner’s insurance policy can save you money and headaches down the road. Here’s why you should consider home systems protection, service line coverage, and inland flood coverage.
1) Home Systems Protection
Next to the home structure, home systems are typically homeowners’ most valuable property. Unexpected home equipment losses can cost thousands of dollars.
AAA Home Systems Protection is the broadest breakdown coverage available today. It covers systems, appliances and electronics homeowners value and rely on for essential, communications, security and entertainment. We give you the flexibility to customize what’s covered to suit your strategy and provide broad, meaningful protection at an affordable price.
Coverage options include:
AAA Home Systems Protection covers essential and costly systems that are permanently installed. Covered home infrastructure includes permanent systems essential for home comfort, convenience and operation such as: HVACs, refrigerators, washers/dryers, wells/sump pumps and pools/spa equipment.
2) Service Line Coverage
All too often homeowners discover they’re responsible for repair costs only after experiencing an unfortunate event like an underground water line leak. Homeowners own the outdoor water and sewer piping from the street to their house and are responsible for its maintenance and repair.
Service Line Coverage can help with the cost of damage to exterior underground piping and wiring, offering a way to eliminate gaps in coverage while including things like excavation costs and loss of use.
Covered services include:
• Water supply
• Waste disposal
• Electrical power
• Communications (including cable and data transmission, Internet access and telecommunications)
3) Inland Flood Coverage
Inland floods are on the rise. Changing weather patterns cause more severe and frequent storms in the Carolinas, increasing the threat of costly flood damage. Even homeowners in normally low to moderate flood risk areas need coverage.
AAA Inland Flood Coverage insures the most common flood exposures, as well as personal property in the basement and loss of use — coverages that are excluded by the National Flood Insurance Program.
AAA Inland Flood Coverage includes damage to:
• Residence and certain other structures (shed, pool house, etc.)
• Personal property, including in a basement or sunken room
• Loss of use
• Property moved to safety by the insured
• Debris removal
— Jim McCafferty, Senior Vice President of AAA Insurance Services
For more information about Home Protection Plans and other AAA Insurance products call your local agent at 800-424-3751. Or, visit AAA.com/Insurance.
(Go Magazine July/August 2018)