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The SMART Home Service Plan
Coverage Summary and Terms and Conditions


For any trial period and every month in which the plan has been paid, Residential Warranty Services, Inc.(RWS) and Residential Warranty Home Protection of California (for CA Residents only) will cover specified conditions itemized in this policy, subject to the deductibles and limitations set forth for each of the three levels of SMART Home Service Plans, the Premier Plan, The Platinum Plan, and the Diamond Plan. Coverage generally applies to five categories:

Underground Sewer and Water Lines, between the home and the street, and lines between the home and the well head and/or septic tank in the case of a well and/or septic system being utilized, wherever a backup or failure was not noted in the course of any and all inspections performed prior to purchase of the home.

Visible Mold, wherever no visible mold or mold growth or moisture issues were noted during any and all inspections prior to purchase of the home.

Alarm and Low Voltage Wiring, including typical alarm components, telephone and cable wiring, and Ethernet wiring, as well as doorbell wiring and wiring to access systems, within the home and excluding video components and proprietary equipment to a particular provider.

Radon, where an initial test was performed prior to purchasing the home that came in at or below acceptable levels.

Termite and Wood Destroying Insects, wherever no infestations was known prior to purchase of the home.

Covered Occurrences:
- Collapse or breakage of sewer and water lines due to any cause outside of breakage by force from construction, digging, or use of motor vehicles over such a line. The coverage applies to the necessary repair of any breakage, at the point of breakage, and does not include any landscaping services associated with such a repair, up to the limitations of the policy and plan you are enrolled for.
- Any and all visible molds within the living space, whenever such mold shall appear, excluding occurrences where a water event (leak, insurance claim, etc.) was present, and only applies when no mold or moisture issues were discovered or known prior to purchase of the home except on the Diamond Plan where up to $4000 of non-visible (within walls) mold is covered as well.
- Any and all low voltage wiring issues, including the cost of fixing and/or running a new line, whatever is necessary, for any failure that happens without inside influence such as a lightning strike, surge, or damage caused by occupants.
- Radon mitigation system installation, when a test is performed that comes in above acceptable levels, where the home was tested prior to purchase and was certified to have levels at or below acceptable.
- Chemical treatments for termites and wood destroying insects wherever an active infestation occurs, assuming no infestation or prior infestation was noted or known prior to purchase of the home. Where a whole home treatment or baiting system is opted for, the cost of the chemical treatment will be covered and credited toward that service.

Coverage Levels
Premier Plan - $29.00 per month (Available only on homes inspected by a Certified Inspection Expert)
A deductible of $500 per claim/occurrence applies. Sewer and Water lines are covered up to $1500 in aggregate, Visible Mold is covered up to $1500 in aggregate, Alarm and Low Voltage Wiring is covered up to $1000 in aggregate, Radon Mitigation is covered up to $500 in aggregate, Termite and Wood Destroying Insect Treatments are covered up to $500 in aggregate. The total aggregate for all coverages is $5000.00 annually, and all aggregate coverage amounts reset each 12 months the policy is in place and on a payment plan. Any trial periods offered would be included in aggregate limits for the first 12 months of paid premiums.

Platinum Plan - $39.00 per Month
A deductible of $300 per claim/occurrence applies. Sewer and Water lines are covered up to $2500 in aggregate, Visible Mold is covered
up to $2500 in aggregate, Alarm and Low Voltage Wiring is covered up to $2000 in aggregate, Radon Mitigation iscovered up to $1000 in aggregate, Termite and Wood Destroying Insect Treatments are covered up to $1000 in aggregate. The total aggregate for all coverages is $9000.00 annually, and all aggregate coverage amounts reset each 12 months the policy is in place and on a payment plan. Any trial periods offered would be included in aggregate limits for the first 12 months of paid premiums.

Diamond Plan - $59.00 per month
No deductible per claim/occurrence applies. Sewer and Water lines are covered up to $4000 in aggregate, Visible Mold is covered up to $4000 in aggregate, non-visible and hidden mold remediation is covered up to $3000, Alarm and Low Voltage Wiring is covered up to $4000 in aggregate, Radon Mitigation is covered up to $4000 in aggregate, Termite and Wood Destroying Insect Treatments are covered up to $4000 in aggregate. The total aggregate for all coverages is $20,000.00 annually, and all aggregate coverage amounts reset each 12 months the policy is in place and on a payment plan. Any trial periods offered would be included in aggregate limits for the first 12 months of paid premiums.

(Optional) Annual Maintenance Review
A 25-point Annual Maintenance Review is available from one of our Certified Inspection Experts once annually for every 12 months consecutive of paid policy premiums. On that date, an email will be sent to the policyholder and a reminder will be sent 30 days later. Simply follow the instructions in the email to schedule your appointment within 90 days of the initial email. Thereafter, your next annual maintenance review will be available at no charge upon the next 12 month anniversary of your first payment period.

Additional Coverage Terms
This service contract covers only those items specifically listed and excludes all others. This contract covers parts and labor only and does not cover consequential or secondary damages. This contract only covers those items that were confirmed to be in good working order at time of inspection or where no defects were noted, unless any deficiencies were remedied by a qualified technician. This contract does not cover water damage, cosmetic repairs, nor the cost of removal or replacement of wall coverings, floor coverings, or any other component of the home. This is not a maintenance contract. RWS is not responsible for mandatory code upgrades.

Claims Procedures
Simply call our office at 800-544-8156 or go online to www.SMARThomeserviceplan.com to file your claim. All claims will be reviewed within 3 business days and any payments requested to the contractor directly or in reimbursement to a homeowner will be made within 45 days. A claim submission will require an estimate and diagnosis from a qualified contractor and a copy of any relevant inspection reports. RWS reserves the right to request two additional estimates for any repair work.

Disputes
If you feel a decision has been made on a claim in error, simply visit www.SMARThomeserviceplan.com and submit your request for review. Any and all legal disputes shall be filed in Hamilton County, Indiana.

Upgrading your plan
At any time you may upgrade your plan by visiting www.SMARThomeserviceplan.com. From the date of upgrade, a mandatory waiting period of 30 days will transpire before any claims will be accepted.

Cancellation
You may cancel your policy at any time by visiting www.SMARThomeserviceplan.com. If you are on a trial plan, you can do this at any time before your first payment. Any payments that have ran, typically on the 1st of the Month, are non-refundable.


To Contact RWS via Mail, Fax, or Email:
Residential Warranty Services, Inc.
P.O. Box 797 Carmel, IN 46082 800-544-8156
Fax 877-307-7056
90day@rwswarranty.com