Question 1

How can I file a claim?

Accepted Answer

For both auto and home policies, simply call the Claims Department at 888-984-6493. We 'll take it from there.

Question 2

When can I file a claim?

Accepted Answer

You can file a claim once it's been 30 days since your purchase and your vehicle has been driven at least 1,000 miles beyond the starting odometer reading. Not sure if you're past your review period? No problem—just give our Member Services team a call at 800-258-2084.

Question 3

How do I check the status of my claim?

Accepted Answer

Call into the Claims Department at 888-984-6493 to inquire about your claim.

Question 4

What do I do when my vehicle breaks down?

Accepted Answer

In the event of a breakdown stop operating the vehicle immediately and call our roadside number at 888-899-7623. They will take it to the nearest ASE Certified Mechanic.

Question 5

How does rental car service work?

Accepted Answer

Call in to the Claims Department at 888-984-6493 and alert them that you are taking out a rental. Make sure to keep the receipt of your rental car payment as our policy for rentals is reimbursement. Rental car coverage is subject to claim authorization and plan-specific limitations.

Question 6

How does a deductible work?

Accepted Answer

Once a claim is approved you pay a one time deductible and we handle the rest! Deductibles vary by plan, typically ranging from $0 to $250 per claim.

Question 7

How does the repair payment work?

Accepted Answer

Repair payments are paid directly to the mechanic or service provider, no need to wait for a reimbursement on your account. This ensures faster service and less hassle for you.

Question 8

How long does it take to process a claim?

Accepted Answer

Most claims are processed and approved within 24-48 hours. Once approved, we work directly with your repair facility to authorize and complete the work as quickly as possible.

Question 9

What does auto protection cover?

Accepted Answer

Auto protection plans cover mechanical breakdowns of your vehicle's essential components including engine, transmission, electrical systems, and more. Coverage varies by plan tier.

Question 10

What vehicles are eligible for coverage?

Accepted Answer

Most vehicles up to 10 years old with less than 125,000 miles are eligible. Eligibility may vary based on make, model, and condition. Contact us for a specific quote for your vehicle.

Question 11

Can I use any mechanic?

Accepted Answer

Yes! You can take your vehicle to any ASE Certified Mechanic or licensed repair facility. We have a nationwide network of preferred providers, but you have the flexibility to choose.

Question 12

Does coverage include roadside assistance?

Accepted Answer

Yes, most of our auto protection plans include 24/7 roadside assistance with services like towing, jump starts, tire changes, lockout service, and fuel delivery.

Question 13

What is not covered under auto protection?

Accepted Answer

Auto protection typically does not cover maintenance items (oil changes, filters, brake pads), pre-existing conditions, cosmetic damage, or wear and tear items. Your plan booklet will have complete exclusion details.

Question 14

Can I transfer my coverage to a new vehicle?

Accepted Answer

Yes, in most cases you can transfer your coverage to a new vehicle. Contact our Member Services team at 800-258-2084 to process the transfer. Some restrictions and fees may apply.

Question 15

What does home warranty cover?

Accepted Answer

Home warranty plans cover essential home systems and appliances including HVAC, electrical, plumbing, water heaters, kitchen appliances, washer/dryer, and more. Coverage details vary by plan.

Question 16

What types of homes are eligible?

Accepted Answer

Single-family homes, townhomes, and condos are typically eligible. Your home should be in good working condition at the start of coverage. New construction and older homes may have different eligibility requirements.

Question 17

Do you cover pre-existing conditions?

Accepted Answer

Pre-existing conditions are generally not covered. All systems and appliances must be in proper working order at the time coverage begins. There is typically a 30-day waiting period before coverage becomes active.

Question 18

How do I request service for my home?

Accepted Answer

Simply call our Claims Department at 888-984-6493 and we'll dispatch a qualified technician from our network to your home, typically within 24-48 hours. We handle everything from diagnosis to repair.

Question 19

Can I choose my own contractor?

Accepted Answer

We dispatch pre-qualified service technicians from our network to ensure quality work. However, if you prefer to use your own contractor, please contact us first for pre-approval to ensure coverage.

Question 20

What if an appliance cannot be repaired?

Accepted Answer

If a covered item cannot be repaired, we will replace it with a unit of like kind and quality, up to the coverage limits specified in your plan. Cash-out options may also be available.

Question 21

What is the difference between plans?

Accepted Answer

Our plans vary by coverage level - from Essential (basic coverage) to Signature (comprehensive coverage). Higher tier plans include more components, lower deductibles, and additional benefits like rental coverage.

Question 22

Is there a waiting period?

Accepted Answer

Yes, there is a 30-day waiting period and 1,000 mile waiting period (for auto) from your coverage start date before you can file a claim. This ensures all systems are in proper working order at the time of enrollment.

Question 23

Are there coverage limits?

Accepted Answer

Yes, each plan has annual aggregate limits and per-claim limits. These vary by plan tier and component. All limits are clearly outlined in your service agreement or plan booklet.

Question 24

Will my premium increase after filing a claim?

Accepted Answer

No! Your premium will never increase no matter how many claims are filed. We believe in providing consistent, reliable protection without penalties.

Question 25

Can I upgrade my plan?

Accepted Answer

No, you cannot upgrade your coverage plan at any time. However, once you start service with CoverageX, your plan is set— even with additional mileage driven.

Question 26

What is the cancellation policy?

Accepted Answer

You can cancel your coverage at any time. If you cancel within the first 30 days, you'll receive a full refund minus any claims paid. After 30 days, you'll receive a prorated refund based on unused coverage.

Question 27

Does coverage renew automatically?

Accepted Answer

Yes, your coverage automatically renews on your renewal date to ensure uninterrupted protection. We'll send you a renewal notice 30 days before your renewal date with updated terms and pricing.

Question 28

What payment methods do you accept?

Accepted Answer

We accept all major credit cards (Visa, Mastercard, American Express, Discover), debit cards, and ACH bank transfers. You can also set up automatic monthly payments for convenience.

Question 29

When is my payment due?

Accepted Answer

Monthly payments are due on the same day each month as your coverage start date. For example, if your coverage started on the 15th, your payment is due on the 15th of each month.

Question 30

Can I change my payment method?

Accepted Answer

Yes, you can update your payment method at any time by calling customer service at 800-258-2084 or logging into your Member Dashboard at

Question 31

What happens if my payment fails?

Accepted Answer

If a payment fails, we'll notify you immediately and attempt to process it again. You'll have a 15-day grace period to update your payment information. Coverage may be suspended if payment is not received.

Question 32

How do I access my account online?

Accepted Answer

You can access or register your account through our website at

Question 33

How do I update my contact information?

Accepted Answer

You can update your contact information by logging into your Member Dashboard or by calling Member Services at 800-258-2084. It's important to keep your information current to receive important updates.

Question 34

Can I add additional vehicles or properties?

Accepted Answer

Yes! You can add additional vehicles or properties to your coverage at any time. Each addition will be quoted separately based on its specific characteristics. Contact our Sales Department at 800-258-3413 for a multi-policy discount.

Question 35

Where can I find my policy documents?

Accepted Answer

All policy documents including your service agreement, plan booklet, and terms & conditions are available in your Member Dashboard. You can also request copies by calling 800-258-2084.

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