As a Platinum Member, you may be reimbursed for a Loss that occurs during the Coverage Period to your Primary Residence or Personal Effects, equal to the deductible limit shown on your home insurance policy or up to a maximum of $1,000 per claim, whichever is less. Coverage is effective from the date of your FAH enrollment. Only one (1) Home Deductible Reimbursement benefit may be paid per claim occurrence, and only one (1) claim per Member may be paid per twelve (12) month period.

-1 claim per 12-mo period
-up to $1,000 per claim

May reimburse you, the covered member, up to $1000, if your primary residence becomes uninhabitable, due to break-in, theft, hurricane, flood, fire, landslide and mandatory evacuation, when you file a claim with your homeowner insurance carrier equal to or greater than the deductible amount.

1 claim per 12-mo period
10 nights at $100 each up to $1,000

Or, Covered Member, may be reimbursed up to a maximum of $1,200 per claim occurrence, for lodging expenses in the event of:
1. A sudden breakdown of your only air conditioning unit in the Primary Residence in the summer (defined as
occurring within the following months/days of the year: 6/20 - 9/23), or a sudden breakdown of your only furnace in
the winter (defined as occurring within the following months/days within the year: 12/21 - 3/20), that results in the
unit remaining completely non-operational for 24 hours or more (from the time of the first service visit from the
Service Provider) due to a delay in availability of the required repair parts to the Service Provider for their completion
of the repair; or
2. A sudden break in your water pipes in the Primary Residence that results in the residence being flooded if the
removal of the water by the Service Provider is delayed by 24 hours or more from the time the documented service
request was made by the Member.

1 claim per 12-mo period
12 nights at $100 each up to $1,200

Only one (1) Emergency Lodging Reimbursement benefit will be paid per claim occurrence, and only one (1) claim per Member will be paid per twelve (12) month period.

DEFINITIONS
 
When in bold, certain words and phrases are defined as follows:
 
Administrator means cynoSure Financial, Inc.  The Member should contact the Administrator if they have questions regarding this coverage or would like to make a claim.  The Administrator can be reached by phone at 1-877-296-4892.
 
Appliance means an electrical device owned by you that is plugged into the house’s electrical system and is located within the interior of your primary residence including the attached garage. Appliances include: cooktops, dishwashers, dryers, freezers, microwave ovens, ranges, refrigerators, trash compactors, vacuums, warming drawers, washers, and wine coolers.
 
Coverage Period means the period starting on the membership effective date and will continue one (1) year.
 
Electronic Equipment means electronic devices owned by you and located within the interior of your primary residence including the attached garage. Electronic equipment includes: desktop computers, digital video recorders, DVD players, garage door openers, home audio components, laptop computers, power tools, televisions, television receivers, television/VCR combos and VCRs.
  
Loss means accidental physical loss or damage to the Member’s Primary Residence and/or Personal Effects.
 
Member, You, Your means the person who is a member in good standing in the AssurancePlus Home Protection Plan:

1. Who has paid the membership fee;  and
2. Whose name is shown on the enrollment/registration form.

 
Personal Effects means the personal property of the Member which are located at the Primary Residence.
 
Primary Residence means a permanent residence of the Member which is recognized and covered by a policy of Home Insurance as the Primary Residence.
 
Primary Residence Theft means the taking or removing of property with intent to deprive the rightful owner.  It includes robbery, burglary and larceny.
 

APPLIANCE/ELECTRONIC REPAIR REIMBURSEMENT
 
COVERAGE
After thirty (30) days from the effective date of membership, the Member is eligible to receive a thirty percent (30%) reimbursement of the payment made to repair an Appliance or piece of Electronic Equipment located in the Member’s Primary Residence during the Coverage Period.
 
The maximum amount the Member can receive per claim occurrence is $250.
 
The maximum amount the Member can receive per twelve (12) month period is $500.
 
Exclusions
No benefit is payable for:

1. Replacement because of Loss resulting from any cause other than the normal use and operation of the eligible product for which the product was designed per the manufacturer’s guidelines;
2. Damage to or failure of product used for commercial purposes;
3. Acts of God;
4. Theft, misuse or abuse;
5. Repairs to upgrade or improve the eligible product;
6. Cleaning or other preventative maintenance required to maintain normal operation of the Appliance or Electronic Equipment;
7. Any charges other than parts and labor; or
8. Normal wear and tear.
9. Repairs or reimbursement are not covered for ductwork and duct connections; electrical connections or wiring that is not a part of the Appliance or Electronic Equipment; filters; flues and vents; handles; hot tubs; piping; light bulbs; meat probe assemblies and rotisseries; radiant floor tubing; refrigerant lines; registers; secondary drain pans and lines; security systems; thermostats; venting, water heaters; whole house furnace and air conditioning systems.

How to File a Claim
To make a claim, the Member must contact the Administrator by phone at 1-877-296-4892 to request a claim form within 90 days of the date that the Loss occurred.  Failure to give notice within 90 days of the incident will result in a denial of the claim.
The following required items, must be sent to the Administrator at AssurancePlus Home Protection Plan, c/o cynosure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI, 48080:
1.   A fully completed signed claim form; and
2.   A bill from a Repair Company showing:

1. The date the repair occurred; and
   b.   The problem causing the repair; and
   c.   The manufacturer and serial number of the appliance/electronic; and
   d.   The amount charged for the repair.
2. Evidence that member paid the Repair Company in the form of canceled check, credit card statement or banking statement.  

   All these required items, including the claim form, must be postmarked within 180 days of the date of the Loss or the reimbursement will be withheld.