SECTION 1 — DEFINITIONS
Agreement — This Home Service Agreement.
Provider — Rightnow Home Warranty.
Member — The residential property owner purchasing coverage.
Covered Property — The single-family residence listed during enrollment.
Service Fee — The per-claim fee selected by Member ($99 / $125 / $150 depending on plan).
Covered Item — Any system or appliance listed as included in the Member’s selected plan.
Mechanical Failure — The inability of a covered item to perform its intended function due to normal wear and tear.
SECTION 2 — AGREEMENT TERM
- Standard term: twelve (12) months
- Coverage begins thirty (30) days after enrollment
- Automatically renews month-to-month or annually unless cancelled
Provider reserves the right to non-renew with notice as required by applicable law.
SECTION 3 — ELIGIBILITY
Coverage applies only to:
- Owner-occupied residential properties
- Properties under 10,000 sq ft (recommended)
- Systems in safe working condition at start date
Provider may require inspection or prior service records.
SECTION 4 — COVERAGE SUMMARY
Coverage includes repair or replacement of covered items that fail due to normal wear and tear, subject to:
- Coverage caps
- Service fees
- Exclusions
- Limitations
Provider determines whether to repair or replace.
SECTION 5 — COVERAGE LIMITS
Essential Plan
- HVAC: $2,000 per term
- Plumbing/Electrical: $1,500
- Appliances: $1,000 each
Complete Plan
- HVAC: $3,000
- Plumbing/Electrical: $2,000
- Appliances: $1,500
Elite Plan
- HVAC: $5,000
- Plumbing/Electrical: $3,000
- Appliances: $2,000
- Aggregate annual cap: $15,000
SECTION 6 — SERVICE REQUEST PROCESS
Members must:
- Submit claim online or by phone (24/7)
- Pay applicable service fee
- Provide reasonable access
Unauthorized repairs are not reimbursable without prior approval.
SECTION 7 — SAME-DAY SERVICE EFFORT
For claims received before 2:00 PM local time, Provider will make commercially reasonable efforts to schedule service on the same calendar day. Same-day service is not guaranteed and depends on technician availability, weather, safety conditions, and parts supply.
SECTION 8 — RAPID RESPONSE UPGRADE
Members enrolled in the Rapid Response Upgrade receive:
- Priority dispatch
- Targeted four-hour response window
The four-hour response window is a service objective and not a guarantee of repair completion.
SECTION 9 — WORKMANSHIP GUARANTEE
Repairs performed by Provider’s authorized technicians are warranted against defects in workmanship for thirty (30) days from completion.
Members may purchase Extended Workmanship Protection to extend this period.
SECTION 10 — EXCLUSIONS (CRITICAL PROTECTION)
This Agreement does not cover:
- Pre-existing conditions
- Improper installation
- Code violations
- Cosmetic defects
- Structural components
- Roof replacement (unless add-on)
- Acts of God
- Flood, fire, or storm damage
- Commercial use
- Lack of maintenance
- Known or unknown environmental hazards
SECTION 11 — LIMITATIONS OF LIABILITY
Provider’s total liability is limited to the stated coverage caps.
Provider is not liable for:
- Secondary or consequential damages
- Loss of use
- Personal property damage
- Delays caused by parts availability
SECTION 12 — MEMBER RESPONSIBILITIES
Member must:
- Maintain systems per manufacturer guidelines
- Provide access
- Prevent further damage
- Pay service fees
Failure to maintain equipment may result in claim denial.
SECTION 13 — CANCELLATION
Member Cancellation
- Within 30 days: full refund if no claims
- After 30 days: prorated refund minus:
- Administrative fee
- Claims paid
- Service costs incurred
Provider Cancellation
Provider may cancel for:
- Non-payment
- Fraud or misrepresentation
- Safety hazard
- Property ineligible
SECTION 14 — RENEWAL
Agreement renews automatically unless Member cancels.
Provider may adjust pricing at renewal with proper notice.
SECTION 15 — REAL ESTATE PROMOTIONS
Eligible memberships originating from approved real estate partners may receive a one-time waiver of the standard service fee on the first covered claim during the initial contract term.
SECTION 16 — MULTI-UNIT / PROPERTY MANAGEMENT
Each enrolled unit is treated as an individual covered property unless governed by a separate master services agreement.
SECTION 17 — DISPUTE RESOLUTION
Recommended (attorney review):
- Informal resolution first
- Binding arbitration clause (optional but recommended)
- Missouri governing law
SECTION 18 — GOVERNING LAW
This Agreement shall be governed by the laws of the State of Missouri, except where Illinois law applies to properties located in Illinois.
SECTION 19 — CONTACT INFORMATION
Rightnow Home Warranty
Claims: 24/7
Service Area: Greater St. Louis Metro and Atlanta Ga with surrounding areas
