Home Systems & Appliance Breakdown
When the manufacturer’s
warranty ends,
your protection begins.
Extended coverage for the appliances and systems that keep your home running — protecting Western Canadian homeowners from the unexpected repair bills standard home insurance doesn’t cover.
What is HSAB?
Home insurance covers sudden, accidental events — a fire, a burst pipe, a storm. It does not cover the everyday reality of mechanical or electrical failure: the dishwasher motor that gives out, the furnace that stops igniting, the central AC that quits on the hottest day of the year.
HSAB fills exactly that gap. Coverage begins after your manufacturer’s warranty ends, with no pre-inspection required and no age restrictions on your home or appliances.
Underwritten by Aviva Insurance Company of Canada and available exclusively through HUB Warranty to homeowners and condo owners in BC, AB, SK, and MB.
Home Insurance vs. HSAB
Home Insurance
Damage from fire, water, wind, or theft
HSAB
Mechanical or electrical breakdown from normal use
Home Insurance
Sudden, accidental events
HSAB
Predictable wear-and-tear failures
Home Insurance
Deductible often $1,000+
HSAB
Deductible as low as $50 per claim
Watch · 60-Second Overview
See how HSAB protects what you own.
A quick look at how Home Systems & Appliance Breakdown coverage works — from the breakdown to the resolution.
What’s Covered
HSAB protection is built around the two areas of your home most likely to fail — and most expensive to fix when they do.
Up to 2 repairs per product, per year
The systems behind the walls
Up to 2 repairs per product, per year
2 Repairs
Per Year
No Pre-
Inspection
Certified
Technicians
20+ Optional
Add-Ons
Unlike most warranty programs, HSAB doesn’t shut you out as your appliances age. Instead, the way we resolve a claim adjusts — so you’re protected at every stage of your home’s life.
5 YEARS OR NEWER
If repair is possible, we’ll handle it with like kind and quality parts. If not, we’ll replace your appliance or system with a comparable equivalent — at original retail price, or as a cash settlement up to retail replacement value.
OVER 5 YEARS
We’ll still repair when it’s cost-effective. When it isn’t, you’ll receive a cash settlement — the greater of $1,000 (home systems), $500 (appliances), or the manufacturer’s last known list price for needed parts. The choice of what to do next is yours.
Choose Your Coverage
HSAB protection is built around the two areas of your home most likely to fail — and most expensive to fix when they do.
Appliances Only
Basic Condo
Built for condo and strata owners. Appliances plus in-unit systems.
Basic Home
MOST COMPLETE
Home Plus
Our most complete package, built for homes with more to protect.
Need to protect a pool, hot tub, home theatre, or gym equipment? Ask about our 20+ optional add-ons.
When Something Breaks
From the moment something stops working to the moment it’s fixed, HSAB takes the stress out of the equation.
01
Contact our authorized claims administrator at 1-888-668-8020 or info@claimwarranty.com. They’ll walk you through what to expect.
02
We dispatch a certified, vetted technician from our authorized network — no scrambling to find someone reliable.
03
If the product can be repaired cost-effectively, it’s done. You pay only your deductible at the time of service.
04
When repair isn’t possible, you receive a replacement or cash settlement — whichever applies to your coverage.
Frequently Asked Questions
Home insurance covers damage from sudden events like fire or flood. HSAB covers mechanical and electrical breakdown from normal use — the wear-and-tear failures your insurance specifically excludes.
Refrigerator, stove, washer/dryer, dishwasher, central heating and cooling, interior plumbing, and interior electrical systems are covered in the base packages. Optional add-ons extend coverage to items like pools, hot tubs, fireplaces, garage door openers, and more.
Annual aggregate limits range from $5,000 (Appliances Only) to $25,000 (Home Plus). Individual products carry their own sub-limits — for example, $4,000 for refrigerators, $4,000 for central heating, and $3,500 for air conditioning or heat pumps. Each covered product is also limited to a maximum of 2 repairs in any 12-month period.
Owner-occupied homes and condos under 10,000 sq. ft. in Alberta, British Columbia, Saskatchewan, and Manitoba. The program is not available for rentals, vacation properties, lease-to-own arrangements, or life-lease homes.
Coverage begins 15 days after your application date (the waiting period), and only after your manufacturer’s warranty — or any applicable BC Homeowner Protection Act or AB New Home Buyer Protection Act warranty — has expired on that product or system.
For products 5 years old or newer, we repair or replace them. For products over 5 years old, we repair or provide a cash settlement, giving you flexibility in how you proceed. Either way, you’re protected from unexpected out-of-pocket costs.
Claims are handled by our authorized claims administrator. Call 1-888-668-8020 or email info@claimwarranty.com Monday to Friday, 8:00 AM to 8:00 PM EST. A certified technician will be assigned, and if repair isn’t possible, you’ll receive a replacement or cash settlement. Please do not arrange repairs yourself before contacting the claims administrator — unauthorized repairs are not reimbursable.
Ready to protect what’s behind the walls?
Connect with a HUB Warranty broker to build a customized HSAB plan for your home.
Or call 1-800-238-3493 · Mon–Fri 8:30 AM – 4:30 PM MST · info@hubwarranty.com
