Effective Date: November 1, 2025
These Terms & Services ("Terms") govern your access to the Hillsborough Home Warranty website at hillsboroughlifeinsurance.com, marketing materials referencing our brand, and the home service contract programs ("Plans") offered by Hillsborough Home Warranty ("Hillsborough," "we," "us," or "our"). By requesting a quote, enrolling in a Plan, filing a claim, or using our site, you agree to these Terms. If you do not agree, do not use our services.
Member: A person or entity that has paid applicable fees and received an active Plan contract.
Covered Property: The residential dwelling and related structures described in the enrollment schedule.
Covered Item: A system or appliance explicitly listed as covered in the Member's contract, subject to caps, exclusions, and waiting periods.
Trade Service Call Fee: The non-refundable amount due to the assigned contractor at the time of a covered service visit, as stated in the Plan summary.
Breakdown: A mechanical or electrical failure arising from normal residential use, not including wear items, maintenance, or excluded causes.
Hillsborough Plans are service contracts designed to offset repair and replacement costs for eligible Covered Items after a Breakdown. Plans are not homeowner's insurance, flood insurance, or builder warranties. They do not cover structural components such as foundations, roofs, walls, or site improvements unless expressly added on a custom schedule. Plan benefits are limited to those described in the Member's contract booklet, declarations page, and endorsements.
Coverage availability may vary based on property type, age of systems, prior maintenance history, and regulatory requirements in your area. We reserve the right to decline enrollment or require inspections when condition reports reveal safety hazards or imminent failures at the time of application.
To enroll, you must provide accurate property information, including the age of major systems, known defects, and prior claim history if requested. Misrepresentation may void coverage for affected items or the entire contract. Members must be at least eighteen years old and have authority to bind the Covered Property.
Plans may include waiting periods during which certain categories of Breakdown claims are limited. Waiting periods are disclosed before payment is processed and printed in your contract. Manufacturer warranties and extended retail warranties run concurrently; our obligation typically begins when those protections expire or when contract language specifies coordination of benefits.
Monthly or annual premiums must be received on or before the due date shown on billing statements. Failed payments may result in suspension of claim authorization until the account is brought current. Late fees, if applicable, appear in your billing disclosures.
At renewal, we may adjust premiums or trade service call fees based on plan loss experience, inflation in labor and parts, and coverage changes you request. Renewal notices are delivered electronically to the email on file. Continued payment after receiving a renewal offer constitutes acceptance of updated terms unless your state requires affirmative consent.
Covered repairs include diagnosis, parts, and labor necessary to restore function of a Covered Item, up to contract limits. We may choose repair over replacement when cost-effective and physically feasible. Replacement equipment may be of like kind and quality, not necessarily identical brand or cosmetic features.
Common exclusions include, without limitation:
The contract booklet prevails if website marketing summaries differ from signed documents.
When a Breakdown occurs, you must notify us promptly through the online member portal or by email to claims@hillsboroughlifeinsurance.com. Include your member number, item description, symptoms, and availability for service appointments.
We may require photos, model numbers, or prior service records. Do not attempt repairs that could void coverage or create safety risks unless you must take emergency action to prevent further property damage—in which case notify us immediately and retain receipts.
We assign contractors from our network when possible. You are not required to use your own vendor unless the contract allows choice with reimbursement caps. If a contractor determines an item is excluded or not yet eligible, you are responsible for any diagnostic fees agreed to in advance.
Members must maintain systems in reasonable working order, replace filters, clear drain lines of misuse debris, and follow manufacturer maintenance schedules. Failure to maintain may reduce or deny claims when lack of maintenance caused the Breakdown.
You must provide safe access to Covered Items and secure pets during appointments. Repeated no-shows may result in claim closure and re-dispatch fees.
You may cancel within any free-look period disclosed in your contract for a prorated refund of unused premium, less claims paid or authorized. After the free-look window, cancellation terms follow state service contract rules and your declarations page.
We may cancel for non-payment, fraud, or material misrepresentation with notice as required by law. If the Covered Property is sold, transfer options may allow the contract to pass to a buyer or terminate at closing.
Website content is for general information. Forms submit client-side acknowledgments only; a representative will contact you after valid submission. We do not guarantee response times on this marketing site distinct from member portal service levels.
Electronic communications satisfy legal notice requirements when sent to your email of record. Keep your contact information current.
Before formal proceedings, Members agree to contact our member relations team in writing to seek informal resolution. If unresolved, disputes shall be handled under the arbitration or venue provisions in your state-specific contract rider when provided; otherwise, courts with jurisdiction over Hillsborough's principal place of business may hear the matter, except where prohibited by consumer protection statutes granting you non-waivable forum rights.
To the fullest extent permitted by law, Hillsborough is not liable for indirect, incidental, or consequential damages arising from site use or service delays. Total liability for any claim related to a Breakdown is capped at the coverage limits and service call structure in your active contract.
Personal information submitted through quotes, claims, or subscriptions is handled according to our Privacy Policy, incorporated here by reference.
We may update these Terms for website and general service policies. Material changes appear with a new effective date. Continued use of the site after changes constitutes acceptance. Plan-specific rights are controlled by your signed contract.
Questions about these Terms: support@hillsboroughlifeinsurance.com.