As a member, most new purchases you make are automatically covered against loss due to fire damage or theft from a secured environment for 90-days from the date of purchase at no additional cost to you.

Program Features

• To file a claim, must be a current member now and at time of purchase
• Automatic coverage with no pre-registration of product needed
• Covered item must have been in a locked and secured environment
• Copies of police reports, receipts, insurance papers are required
• Claim must be filed within 30 days of the reported fire damage or theft
• $1,000 maximum coverage per occurrence per year, per member account / $5,000 maximum lifetime cap. Excludes s/h & applicable taxes. Non-transferable.
• Items covered by other insurance are excluded; however, this program does cover your deductible up to the maximum benefit limit.
• The company has the sole right to determine the eligibility of the claim.

Purchases Not Covered and Limitations

The following purchases are not covered, including but not limited to: travelers checks, tickets of any kind, gift certificates, gift cards, eGift cards, cash or its equivalent; downloadable electronics; animals or living plants; rare stamps or coins; consumable or perishable items with limited life spans (perfume, batteries); antique or previously owned items; motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories; stolen or damaged property; items purchased for resale, professional or commercial use; permanent household and/or business fixtures (carpeting, flooring); business fixtures (air conditioners, refrigerators, heaters); hospital, medical and dental equipment and devices.

Exclusions

War or any act of war; participation in a riot, civil disturbance, protest or insurrection; violation of a criminal law, offense or infraction; natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances; fraud or abuse or illegal activity of any kind, confiscation by any governmental authority, public authority or customs official; negligent failure of a duty to care by any third party in whose possession the property purchased has been temporarily placed; not being reasonably safeguarded by you; theft from baggage not carried by hand and under your personal supervision or under the supervision of a traveling companion known by you; damage through alteration; normal wear and tear, inherent product defect or manufacturer’s defects or normal course of play; damage or theft while under the care and control of a common carrier; food spoilage; leaving property at an unoccupied construction site; or purchases lost or misplaced.

To Submit a Claim

Fill out the form below or call us at  1-888-980-5897 for more information.