CYA Home Warranty Review

Overview

Most homeowners are enrolled in an insurance policy that is there to protect their property should theft, damage, or disaster occur. A smart investment to have, home insurance means you aren’t out of pocket when facing the unexpected, and it can cover everything from the property itself to your precious belongings and expensive electronics. However, one thing not covered by a home insurance policy is your appliances or home systems, something many owners are unaware of. 

Unfortunately, the next time your dishwasher leaks or your A/C dies mid-heatwave, your homeowners insurance policy won’t be of any help and you’ll be on the hook for those expensive repair fees or costly replacement charges – unless you have an extended home warranty. CYA (Cover Your Assets) is a reputable provider of extended warranties for your property, giving you comprehensive coverage for appliances and home systems. Affordable, dependable, and with complete flexibility, the policies provided by CYA allow you to enjoy quick access to licensed technicians without the hefty price tag that usually accompanies such services. For total peace of mind, CYA is a convenient choice with affordable plans to meet all budgets and needs. 

Why Choose CYA?

Offering affordable coverage you can depend on, CYA helps homeowners protect their appliances and home systems without breaking the bank. Breakdowns, problems, and failures are virtually unavoidable, but with CYA you can avoid the pricey repair bills and replacement costs that typically follow. Featuring flexible plan options, and unique coverage you can customize to meet your needs, this is a home warranty that guarantees the highest level of service for you to take advantage of.

Providing factory authorized service for over 2 decades, CYA has a long-standing history of exemplary service that millions of Americans have come to trust. Their impressive plans extend to all common appliances and systems, and they have no age limits – so you can register regardless of when you bought your appliances or the appearance they are currently in. Not only does CYA accept any aged appliance or system, they also don’t require any maintenance records or subject you to an inspection, something many other providers insist on.

Simple and straightforward, CYA has one of the easiest claims processes and everything can be accomplished by phone, email, or through the app. Licensed technicians will be dispatched to your property in 5 days or less, and CYA will cover all eligible expenses related to the repair or replacement of your appliance/system. All repairs are backed by a 30-day workmanship guarantee, and you can always reach out to a CYA representative at any time to ask questions, get clarification, or discuss any on-going issues you may have. 

Types of Warranties Offered

CYA focuses predominantly on home warranties that have extended coverage for your appliances and systems. This means everything from your washer and dryer to your A/C and heating system are all eligible for reimbursement should they break down. However, some homeowners find that they want added protection that goes beyond what a typical home warranty offers, and CYA is here to meet all of your needs with their wide range of product warranties that they have available. 

• Home Warranty
  Coverage for: faulty wiring, fuse box issues, bathroom plumbing, and more.
• Appliance Warranty
  Coverage for: hardware failure, faulty wiring, replacement parts, and more.
• Smartphone Warranty
  Coverage for: cracked screens, broken buttons, spills, drops, broken cameras, and more.
• Laptop Warranty
  Coverage for: cracked screens, broken keyboards, spills, drops, broken webcams, and more.
• TV Warranty
  Coverage for: hardware failure, faulty parts, and more.
• Fitness Equipment Warranty
  Coverage for: hardware failure, faulty wiring, and more.
• Gaming Systems Warranty
  Coverage for: broken controller buttons, faulty wiring, spills, drops, and more.
• Furniture Warranty
  Coverage for: broken arms/legs, rips, stains, damaged framework, and more.
• Digital Cameras & Lens Warranty
  Coverage for: spills, drops, broken lens, cracked screens, and more.
• Jewelry Warranty
  Coverage for: loose diamonds/gems, broken clasps, uneven settings, and more.

With CYA, you can bundle your various warranties together for added savings, something you are encouraged to discuss with a CYA representative at the time of enrollment. 

Coverage & Exclusions

For the main coverage offered by CYA, homeowners will be able to take advantage of an extended warranty that protects all common household systems and appliances. Coverage can be completely customized to meet your needs, and there are various plan options available for you to select from. Some of the most commonly covered systems and appliances include:

• Heating & Cooling
• Electrical Systems
• Plumbing Systems
• Kitchen Appliances
• Laundry Appliances
• Pools & Hot Tubs

Like with all insurance and warranty policies, there are exceptions that apply to your coverage. Those who do choose to enroll with CYA will be responsible for maintaining their systems and appliances and using them in accordance with how they were designed to be operated. This means you can’t purposefully neglect any required maintenance, you must stick to the required maintenance schedule, and you can’t use your appliance or system for any purpose other than what it is intended for. 

To learn more about all inclusions and exclusions with your home warranty policy, you can visit the CYA website directly. There you will be able to read more about the full coverage offered, as well as explore any limitations that may be associated with your specific policy. You can also speak directly to a knowledgeable representative who can answer your questions and who will explain your individualized policy to you in detail.

Claims & Repair Process

A home warranty policy is only as good as the coverage it actually provides, and thankfully CYA has over 30 years of experience offering some of the best policies around. Featuring a modern, updated claims process and a guaranteed 5-day turnaround, you will enjoy quick and reliable service any time you need it. 

Filing a claim with CYA can be done by phone, email, or through their easy-to-use app, giving you a straightforward way to file and monitor your claims. Response time is extremely impressive and CYA will have a licensed technician dispatched to your home as soon as one comes available. Within 5 days max, your system or appliance will be repaired and in working order, or, if necessary, reimbursed so that you can replace it. You will never be left waiting around to find out what’s going on, and CYA ensures you are never left without your necessary equipment for long. 

If you happen to have an additional warranty through CYA for something small like a phone or a camera, you can enjoy immediate service through their use of prepaid return envelopes. Simply print off a label, ship your device directly to CYA, and enjoy the same 5-day turnaround with your repaired item being sent back directly to your home once it is ready.

CYA COst

Since home warranties are so personalized, pricing depends on what plan option you select and any additional products you decide to bundle together. Those who are seeking only a home warranty, with no extended coverage for things like phones, fitness equipment, or jewelry, will be able to select from 3 pre-designed options that have flexible monthly or annual payments. Owners who do want to bundle can do so at the time of checkout, however any add-ons you select will increase your monthly/annual cost. Everything will be clearly laid out for you and pricing is visible as you build your plan, so there are no surprises or hidden fees to worry about.

Plans are available for as little as $46/month when paid annually, or $50 when paid monthly. You will be able to choose between their appliances-only, systems-only, or combo plan and then customize it further as you see fit. Optional coverage begins at only $7.99 for things like jewelry, and increases up to an additional $19.99 for things like furniture.

To see how much you would personally pay for a policy through CYA you can visit their website and use their free quote process. This allows you to customize a policy that matches your needs and budget, and explore any additional coverage options that you may be interested in. There is no commitment required and you will only have to proceed with enrollment if you are fully satisfied with what is being offered. 

Bottom Line

Keeping your home, and your wallet, safe from expensive repairs and replacements, CYA makes home ownership easier than ever before. With CYA you can stop worrying about your aging appliances or clunky systems and start enjoying hassle-free coverage that is there for you when you need it most. Reliable and straightforward, CYA has policies for everyone and allows you to completely customize your plan so that it meets all of your needs. 

Visit the CYA website today to see if their policies are a good fit for you and explore all of the options they currently have available. From home systems to fitness equipment, phones to gaming systems, CYA has something for everyone and their flexible payment plans and comprehensive coverage has made them one of the top choices for homeowners who want total peace of mind, at an affordable price.