Home Systems Protection Plan

The Home Systems Protection Plan is a $360 per year plan on a 12-month agreement covering three trades in one home: plumbing, electrical and one HVAC system. You make one annual payment. The price is plus applicable tax.

The plan contributes up to $1,500 per 12-month plan term. That is one shared benefit across all three trades, so you use it where you need it. Repairs and replacements draw from the same $1,500. The limit applies to what the plan pays after your deductible.

One HVAC system is included. You may add each additional system for $100 per year. All enrolled systems share the same $1,500 annual limit.

Each trade below lists what the plan covers and the point where coverage ends. Anything outside these boundaries is not covered.

You pay $100 per covered incident. One deductible covers the return visits that same incident needs, with no additional trip fee for that incident.

We will be at your home within 24 hours of your service request, or the $100 service call is free. If we miss that 24 hour arrival window, your $100 incident deductible is waived for that incident.

Your term starts the day you enroll. Repair benefits start on day 61. The full $1,500 shared limit is available for the rest of that first term once the waiting period ends.

One unit means one matched indoor and outdoor system with its heating equipment, one packaged system, or one ductless outdoor unit with its connected indoor heads.

Each additional independent system must be identified and enrolled for $100 per year. Added systems share the original $1,500 limit, and each newly added system has its own 60-day waiting period.

The plan covers failures from normal use and wear, including covered leaks and stoppages.

When a necessary replacement is the right fix, it can use the remaining benefit. Standard, builder-grade fixtures are included, subject to the deductible and the remaining benefit. If you choose an upgrade, you pay the difference.

Necessary opening or excavation directly required for a covered repair shares the benefit limit.

Closing and restoring the work area is not covered. That includes drywall, paint, tile, floors, concrete, paving and landscaping. Water extraction, drying, mold work, structural repairs and other resulting property damage are also excluded.

Required permits and modifications directly necessary for a covered repair share the benefit limit.

• Problems known at enrollment, or problems first evident during the waiting period
• Routine maintenance, tune-ups, preventive cleaning and consumables
• Fire, flooding, storm damage, vandalism or misuse
• New installations, remodels and elective capacity or code upgrades

There is one $1,500 maximum in plan-paid benefits per enrolled home per 12-month term, across all three trades and all enrolled HVAC systems. There are no separate caps by trade.

Covered labor, parts, access work and required repair-related costs all use this balance. You pay the deductible, any excluded work, and any amount above the remaining benefit. Unused benefits do not roll over.

Contact Pinnacle before arranging covered work. Pinnacle-authorized providers diagnose the problem and explain the plan contribution and your cost before repairs begin.

One $100 deductible applies per covered incident, including the return visits that incident needs and multiple trades working the same incident. Unrelated failures are separate incidents. There is no additional trip fee for the same incident. The deductible is waived if we miss the 24-hour arrival window.

Systems must be operating at enrollment. Benefits start on day 61 of your term. Coverage is governed by the plan agreement. Prices are plus applicable tax.

Administered by Pinnacle Home Protection.

The agreement runs for 12 months from your enrollment date. You may choose not to renew at the end of the term. Contact us before your term end date and we will close out the plan at term end.