In today’s world, protecting your home and its contents has never been more critical. With increasing incidents of break-ins, natural disasters, and unexpected home repairs, it’s essential to have a robust plan that ensures your peace of mind. Island Insurance Group offers the Home Protection Plan PLUS, a comprehensive insurance package designed to cover various aspects of home protection, from deductible reimbursements to emergency lodging. This blog will delve into the benefits and coverage options provided by this plan, highlighting why it is an indispensable asset for homeowners.
Understanding the Home Protection Plan PLUS
The Home Protection Plan PLUS from Island Insurance Group is a multifaceted insurance product that offers a range of coverage options aimed at mitigating the financial burden of unexpected home-related expenses. Here’s a closer look at the primary features of this plan:
1. Home Deductible Reimbursement
One of the standout features of the Home Protection Plan PLUS is the Home Deductible Reimbursement. This benefit provides reimbursement for a loss occurring at the member’s primary residence or personal effects. The reimbursement amount is equal to the deductible limit shown on the member’s home insurance policy or up to a maximum of $2,500 per claim, whichever is less. Notably, only one Home Deductible Reimbursement benefit is paid per claim occurrence, and one claim per member is allowed per twelve-month period.
2. Home Glass Breakage
Accidents happen, and sometimes, they result in broken windows. With the Home Glass Breakage coverage, members can get reimbursed up to $200 to replace a broken window at their principal residence. This coverage is limited to two claims per twelve-month period, ensuring that minor mishaps do not become major financial burdens.
3. Home Lockout
Getting locked out of your home can be both inconvenient and stressful. The Home Lockout reimbursement feature of the Home Protection Plan PLUS covers up to $100 for a licensed locksmith to help you regain entry to your principal residence. This benefit is also limited to two lockouts per twelve-month period.
4. Appliance and Electronic Repair Reimbursement
Home appliances and electronic equipment are integral to modern living, and their breakdown can be disruptive. The Home Protection Plan PLUS offers a 50% reimbursement of the repair costs for appliances and electronic equipment in the member’s primary residence, provided the repair occurs 30 days after the membership’s effective date. The maximum repair reimbursement per claim occurrence is $500, with an annual cap of $1,000.
Eligible appliances include:
- Cooktops
- Dishwashers
- Dryers
- Freezers
- Microwaves
- Ranges
- Refrigerators
- Washers and more
Eligible electronic equipment includes:
- Desktop and laptop computers
- Tablets
- Digital video recorders
- DVD players
- Televisions and more
5. Emergency Lodging Reimbursement
Natural disasters and significant home damage can sometimes render a residence uninhabitable. In such cases, the Emergency Lodging Reimbursement feature provides up to $1,000 per claim occurrence for lodging expenses. This benefit is applicable in events like break-ins, theft, tornadoes, hurricanes, earthquakes, floods, fires, landslides, and mandatory evacuations.
Additionally, the plan covers up to $1,200 per claim occurrence for lodging expenses due to:
- A sudden breakdown of the only air conditioning unit in summer or the only furnace in winter, resulting in a non-operational unit for 24 hours or more due to delayed repair parts.
- A sudden break in water pipes causing flooding if the removal of water is delayed by 24 hours or more from the time of the documented service request.
Why Choose Island Insurance Group’s Home Protection Plan PLUS?
Choosing the Home Protection Plan PLUS from Island Insurance Group offers several advantages:
- Comprehensive Coverage: The plan covers a wide range of potential home-related expenses, from minor repairs to major emergencies.
- Financial Security: With various reimbursement options, homeowners can avoid significant out-of-pocket expenses.
- Peace of Mind: Knowing that you have a reliable insurance plan allows you to focus on enjoying your home without constant worry about potential incidents.
Conclusion
The Home Protection Plan PLUS by Island Insurance Group is more than just an insurance product; it’s a comprehensive solution for safeguarding your home and ensuring financial security in the face of unexpected events. Whether it’s covering the cost of a broken window, reimbursing you for emergency lodging, or helping with appliance repairs, this plan is designed to meet the diverse needs of homeowners.
Don’t leave your home’s safety and your financial well-being to chance. Contact Samuel Bennett at Island Insurance Group today to learn more about the Home Protection Plan PLUS and how it can benefit you. Secure your home and peace of mind with the best protection plan available.
Contact Information:
Samuel Bennett
Island Insurance Group
Phone: 866-820-7430 Ext 201
Email: [email protected]
Website: islandinsurancegroup.com