Are You Covered if Your Home Systems are Damaged?

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If you own a home, you are very familiar with the systems that keep it comfortable and livable–HVAC, water heater, electrical–as well as the electronics and appliances you rely on every day. If you’re a renter, you might not own an HVAC system, but you still have your own electronics, appliances, and exercise equipment that you bring with you.

Did you know that sudden damage to these “home systems” caused by accident, breakdown, or human error is typically not covered under most warranties or service contracts? Repairs can often cost thousands of dollars.

Similarly, if a gas, water, or any other type of service line coming into your home has a rupture on your property, you as the homeowner are responsible, not the utility company. That responsibility includes repair to the line as well as repair or replacement to disturbed landscaping. These costs can quickly escalate.

If you have homeowners insurance, there are coverage options available to fill the gap left by many warranties and service contracts. Check out N&D®’s options for homeowners, condo owners, and renters, providing protection for your home systems and utility service lines for less than $1 a week.

2015 IIHS Top Safety Picks

2016 Mazda 6 Small Overlap Crash Test
(Photo Credit: IIHS)

Cars keep getting safer and for 2015, the number of vehicles earning the Insurance Institute for Highway Safety (IIHS)’s Top Safety Pick and Top Safety Pick+ has increased from 39 to 71, indicating consumers now have more choices when shopping for a safe vehicle. According to this year’s report, Top Safety Pick+ standards were increased for many factors, driving auto manufacturers to improve vehicle performance in the new “small overlap front crash” test, as well as encouraging them to offer automatic forward-crash detection and autobrake systems on their cars.

The small overlap front crash test replicates what happens when the front corner of a car collides into another object, such as another vehicle, a tree, or utility pole. These types of crashes are very common and can be quite serious for occupants, as much of the energy-absorbing structure of the vehicle is bypassed in a small overlap. The IIHS and other organizations have been pushing manufacturers to look for solutions to overcome these vulnerabilities when designing their cars.

Historically, forward-crash detection/warning systems have been standard only on higher end vehicles. These systems are now being offered as an optional extra and sometimes even standard on more mainstream brands as the industry recognizes the benefits they can provide. The IIHS encourages manufacturers to go even further, with autobrake systems that don’t require a driver response in order to apply the vehicle’s brakes if the system detects an imminent collision. These systems can help avoid or mitigate the effects of crashes even if the driver isn’t paying attention to the road.

For more information on the IIHS’s report on their 2015 Top Safety Pick+ and Top Safety Pick winners, click here.