Coverage limits

Limits decide what a claim actually pays. Two plans with similar monthly prices can pay very differently on a large repair, so compare these numbers and not only the price.

The limits to compare

• Service fee or deductible. What you pay each repair visit or each claim, depending on the plan.
• Per-item limit. The most the plan pays for one covered item.
• Per-claim limit. The most paid on a single claim.
• Total limit. The most paid across the contract term, which may be tied to a set dollar amount.
• Labor rate. Some plans cap the hourly labor rate they will pay.
• Extra costs. How permits, haul-away, code upgrades and access to a hidden failure are treated.

Why this matters

A limit is not a flaw. It is part of how the plan is priced. It becomes a problem when it is not noticed until a claim. Your quote lists the numbers for the plan you are considering.