Most leading home insurance policies as standard don't cover home emergencies. Some cover the damage caused by it. Homeowner insurance protects your home and items within from catastrophic disasters and acts of God such as earthquakes, hurricanes, fires, freezing, floods, lightning, soil erosion, riots, theft, hail and others. It is advisable that you check with your current home insurance provider to make sure you're not taking unnecessary cover.

Home warranties are designed to cover sudden emergency repairs that could cost you a bundle. If you're stuck without water, heat or electricity in the middle of the night or on a holiday, it can also be hard to find a reliable and affordable repairman. Home warranty policies arranged by Anchor Home Protection are designed to take care of this need with fast response from qualified service providers and no extra expenses within covered limits.

The work of our qualified service providers is monitored and guaranteed, and we ensure that they carry liability insurance. We can't be certain of any of this with your local repairer. This is why we prefer all repairs to be carried out by our approved engineers.

By using our own regulated network, we can also ensure that costs are controlled. This allows us to keep fees to a minimum without compromising customer service. If you would like Anchor Home Protection to consider your service providers for repairs, simply direct them to our website where they can submit an application.

In an emergency situation where you feel the need to source your own Service Contractor, Anchor Home Protection will review the incident and invoice to determine whether the repair qualifies as a covered item. In the case that we can verify the facts and we approve the repair, a reimbursement could be authorized by our claims department. Please read our Terms and Conditions carefully to avoid unnecessary surprises.

Anchor Home Protection offers plans that cover the repair or replacement of many of the most frequently occurring breakdowns of home systems and appliances, but not necessarily the entire system. While no home inspection is required as a condition to purchase, there are exclusions from coverage including:

• Mechanical failures NOT caused by normal wear and tear
• Pre-existing faults or improper installations
• Costs arising from not following manufacturer’s instructions
• Breakdowns brought upon by natural phenomena
• Commercial Appliances
• Secondary Damages

Items which are damaged by rust, corrosion, mold or mildew will not be eligible for coverage under Anchor Home Protection plans. Additionally, those items which have accumulated chemical, bacterial and sedimentary deposits are deemed unsuitable for inclusion in coverage. Loss or damage that is the result of gross misuse, abuse or general negligence will also render the unit unsuitable for coverage.

Taking care of your appliances and household systems is recommended for optimum economy and performance functioning. Please be sure to view our Home Tips page, which is accessible on our website.

It's easy to renew your coverage; you don't even have to fill out a form:

Direct Debit customers: your policy will renew automatically, there's no need to do anything. We normally write to you 21 days prior to your renewal date.

Credit or Debit Card customers: simply call 1-866-247-2400 and do the following:

• Select 'Policy Renewal' from the menu options
• Confirm your details (you'll find these on our letters to you)
• Provide your payment details
• Confirm your personal policy information, which will include future payment details

You may cancel your service contract for any reason at any time and the cancellation will become effective at the last day of the then current month. Your coverage will remain in effect up to and including the last day of the then current month. To cancel, please submit your request in writing to the Administrator and include the following information:

• First Name
• Last name
• Address / City / State / Zip
• Contract Number
• Home Warranty Plan Description
• Contact Telephone number and email

Your request can be sent by email to cancel@anchorhomeprotection.com or it can be mailed to:

Service Net
Home Warranty Cancellations
650 Missouri Avenue
Jeffersonville, Indiana 47130

Refunds will be processed immediately but they may take 7 to 10 business days to reflect on a customer's credit card or debit card statement, depending on their bank and card.

Cancellations made in the first 30 days of the purchase (within the 30-day waiting period) are refunded 100%.

After 30-days, canceled Annual Contracts are refunded on a pro-rated basis.

After 30-days canceled Monthly contracts are not refunded, but allowed to run out until the end of that month, and then are not charged any more.

Coverage is available for the following:

• Major systems such as Heating, Plumbing and Electric
• Kitchen & Laundry Appliances
• Swimming Pool & Spa
• Garage Door Opener
• And more!

Please review our Terms & Conditions for details.

Customers can only book jobs for uncontrollable emergencies and emergency repairs via the telephone. This ensures that you are dealt with as quickly as possible which we know is exactly what you need. In an emergency we aim to have a technician at your home as fast as possible.

Non-emergency repairs or projects can be booked online. A customer representative will contact you before dispatching a Service Technician to confirm all the details.

When a customer posts an order to Home Assistance On Demand, the customer must first pays for the dispatch fee or Service Call Fee of $75. This fee will go towards the repair or project, should you decide to proceed after getting your quote. Anchor Home Protection then puts an authorization hold on your debit/credit card for the estimated amount of the repair/project to make sure funds will be available if you accept the quote from the service provider, but the transaction is not put through until the job is completed to your satisfaction.

One of the key benefits of Home Assistance On Demand to service providers is the ability to receive payment immediately upon satisfactory completion of the project - and knowing that there are funds reserved in your account confirms that commitment. If you do not proceed with the Job, you will not be charged.

You may cancel a service order, at any time, subject to any applicable cancellation fees.

Cancellation fees will apply, if:

(a) a service order is cancelled (after acceptance by a service provider) within 24 hours of the time the provider is scheduled to perform the service, a $25 cancellation fee will apply

(b) an authorized representative (who must be 18 years or older) of the buyer is not at the service delivery location (e.g., the buyer's home) when the provider arrives to perform the service, a $49 cancellation fee will apply, or

(c) there are material omissions or misstatements in the service order (e.g., wrong address, service order is for an 19-inch TV; but the TV needing repair is a 57-inch plasma TV) which causes the provider not to complete the service order during his/her visit, a $49 cancellation fee will apply. Buyers and providers can negotiate this fee on a per-service order basis.

We hope you'll never need to make a complaint to Anchor Home Protection but we realize that mistakes sometimes happen, so if you feel unhappy about something we or one of our service providers have done then please let us know. We promise to listen to your feedback and use your suggestions to make improvements to our service.

For details on how to make a complaint, please see our Complaints/Disputes section.

We hope you'll never need to make a complaint to Anchor Home Protection but we realize that mistakes sometimes happen, so if you feel unhappy about something we or one of our service providers have done then please let us know. We promise to listen to your feedback and use your suggestions to make improvements to our service.

First of all, let us know what we've done wrong or what it is that you're unhappy with. If we can't sort out your complaint straight away then we will take full details from you and arrange for the problem to be fully investigated and resolved as quickly as possible.

You can talk to us about your complaint by writing to:

If you have a complaint about your Home Warranty Coverage, there are a number of ways you can talk to us about your complaint, including calling our Policies Customer Service Department on our toll-free number:

Call: 1 866 240 8176.

Email: please use our contact us form

Write: Anchor Home Protection
PO Box 280
New York, NY 10116

We will need your name, address, phone number and your agreement number, which you can find at the top of our letters to you. We will also need a clear description of your concern and how you would like us to put things right.

The same customers AHP brings to you through service work orders could become your clients for life. Each service work order becomes an opportunity for your company to add one more customer.

Let's face it, a home warranty doesn't cover everything and not every AHP customer will renew their contract. Every service opportunity is a chance for your company to create a new customer and a satisfied client who will tell all of their family and friends.

In addition, the better the service you provide, the more likely AHP and our customers are to call you when they have something breakdown that isn't covered by the home warranty. Not only do we send you service work with no advertising expense, we put you face-to-face with a potential new customer. This is an opportunity for you to sell them on your services which will impact your bottom line

To be a Service Provider for Anchor Home Protection, you must be a licensed contractor for the trades you service, carry $500,000 in General Liability Insurance and provide proof of Workman's Compensation Insurance or a waiver thereof (if self-employed). In addition, you must have proof of auto insurance in the amount of $250,000 per person and $500,000 per occurrence.

Since service calls take place in the homes of service customers, we also encourage background checks for all service providers. This will increase the amount work you receive from AHP.

By accepting a Service Work Order from Anchor Home Protection you are representing us from the moment you make contact with the customer. AHP takes pride in great customer service and we reward service providers with similar values.

All AHP service contractors are given a pre-set authorization limit. Repairs can be made up to the amount of those limits without calling AHP for authorization. And, if you need to contact our authorization department, our professional team will efficiently guide you through the process.

At Anchor Home Protection, we take pride in paying our contractors quickly. You are required to invoice us, with the authorization number if you exceeded your pre-set limit, within 30 days of completing the work order. While our standard payment terms are net 30 days from the date your invoice is received, we also offer you incentives to speed the process and get paid as quickly as within a week! All contractors have access to some of the most advanced technological procedures, with more efficient invoicing and payments. For example, your company can take advantage of 3 of our more popular programs:

1. Online Invoicing
You can upload your invoice directly into your account online and get a receipt confirmation instantly.

2. Fax Tracking Technology
Each Service Work Order that we send you includes two bar codes. The first one is unique to your account and the second is specific to the related work order. Every time you fax us your invoices, use our work order form as the cover sheet. Your invoice will automatically be updated in our systems submitted for payment.

3. Preferred Contractor Program
Your performance will be rated by both our customers and us. Great service will translate into high ratings which will qualify you to join our Preferred Contractor Program.

Great service ratings help you earn more business. At the completion of each service work order, our customers can rate the service provider on the following categories of service:

• Professionalism
• Timeliness
• Cleanliness
• Communication
• Quality of Service
• Value

At Anchor Home Protection, we ultimately reward your professionalism and responsiveness to our customers’ needs.

At the start of every project there are guidelines one should follow to help avoid unexpected issues that may result in disputes.

• When communicating with others, be precise in terms of what you require, what you will provide and what you expect of the other party. Avoid making assumptions or providing vague details.
  • Providers should provide clear scopes of work that completely specify the key deliverable(s), timeframe for completing the work and payment terms. Ask all clarifying questions up front, document any ambiguous items and validate all assumptions.
• Keep the communication lines open throughout the project. Always provide constructive feedback as the goal is to institute a positive change. Explain precisely what needs to be changed and a timeline for correcting any problems.