homeowner safety valve company reviews price

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As a homeowner, you are responsible for the water line from your home to the street. Over time, your water line will start to crack, deteriorate, or clog. To protect yourself from a costly replacement process, get a water line protection plan from Safety Valve. If something goes wrong while you have a plan, all you have to do is call us, and we will take care of the repairs! Learn more about our plans by calling 1-800-719-1613 or visit our website at

Avoid the headache, hassle and costly repair bills caused by a water or sewer emergency on your property, or an in-home plumbing problem. A single call to Safety Valve takes care of it all.

New to Safety Valve? Enter your address below to check eligibility. Already a customer? Log in to manage your account. You must register first if you haven"t done so.

To start a claim you must call Safety Valve directly at 1-800-713-1613. Work must be done by a Safety Valve referred contractor to be covered so do NOT call a contractor directly or your claim will not be covered.

The curb box allows access to the curb valve, and the curb valve is the valve located on your property that can be used to shut off the water in the event of an emergency water line leak.

Regulations require that the water line on your property is the homeowner"s responsibility. Depending upon your local water utility"s rules and regulations, you may also be responsible for the water line in the street. (To verify what specific and/or other parts of the water system you own, we suggest that you contact your local water utility for clarification.)

The Water Line Protection Plan covers from where your water service line connects to your main water valve in your basement to the curb valve located on your property. In some instances, you may also own and be responsible for the water line in the street, which runs from your curb valve on your property to the water main in the street. (We suggest you contact your local water utility for clarification.)

No, the main shut-off valve in your home is not covered under the Water Line Protection Plan. It is the point where the water service line coming into your home ends. We consider the main valve as part of your internal plumbing. If you would like coverage for the main shut-off valve, please review our In-Home Plumbing Protection Plan.

1-800-223-7019. Work must be done by a Safety Valve referred contractor to be covered sodo NOT call a contractor directly or your claim will not be covered.

To start a claim you must call Safety Valve directly at 1-800-713-1613. Work must be done by a Safety Valve referred contractor to be covered so do NOT call a contractor directly or your claim will not be covered.

We do not cover the opening or closing of walls to gain access to pipes. Opening of walls to allow access to pipes is Your responsibility. You are responsible for closing the wall after the repair is complete. Check your homeowners insurance policy; it may cover the cost of handling lead paint and/or closing the wall.

All leaking internal clean water pipes (hot or cold), fittings and valves from the point the supply enters the house up to and including the shut-off valve before each fixture

The sewer line on your property is the homeowner"s responsibility. Depending upon your local sewer department"s rules and regulations, you may also be responsible for the sewer line in the street. (To verify what specific and/or other parts of the sewer system you own, contact your local sewer department or public works department for clarification.)

The curb box allows access to the curb valve, and the curb valve is the valve located on your property that can be used to shut off the water in the event of an emergency water line leak.

Regulations require that the water line on your property is the homeowner"s responsibility. Depending upon your local water utility"s rules and regulations, you may also be responsible for the water line in the street. (To verify what specific and/or other parts of the water system you own, we suggest that you contact your local water utility for clarification.)

The Water Line Protection Plan covers from where your water service line connects to your main water valve in your basement to the curb valve located on your property. In some instances, you may also own and be responsible for the water line in the street, which runs from your curb valve on your property to the water main in the street. (We suggest you contact your local water utility for clarification.)

No, the main shut-off valve in your home is not covered under the Water Line Protection Plan. It is the point where the water service line coming into your home ends. We consider the main valve as part of your internal plumbing. If you would like coverage for the main shut-off valve, please review our In-Home Plumbing Protection Plan.

“I received a brochure in the mail regarding Connecticut Water’s Linebacker Protection program. There’s scant detail in the information, but I gather it’s a program that insures the water line from the road to your house. Should one of those lines break the cost can run into the thousands of dollars and is borne by the homeowner, not the water company. Can you please tell me whether this is a legitimate program and whether the entire cost of a line breaking would be covered? Thanks.”

As for insurance offers from Connecticut Water and other utilities, Coyle said PURA does not regulate those programs, and terms and prices can vary from company to company. “Individual households should shop around and do their homework,” he said.

• Linebacker, $85/year. Covers the cost of repairing or replacing the service line, curb valve, and first shut-off valve, with a $10,000 limit per year.

• Linebacker Complete, $185/year. Linebacker Plan plus in-home plumbing coverage for internal water pipes, connected fittings, and valves but not leaking or broken water fixtures. Service fee/repair is $50 plus up to $2,000 for remaining plumbing repair.

So, how often do water service line leaks occur on private property? I contacted Kerry Martin, assistant to MDC’s CEO, who gave me the data for two north central Connecticut towns that the utility covers. Of course, the MDC won’t know about leaks if homeowners repair them without reporting them.

“Covered repairs” include “as many service calls as you need … to repair or replace a leaking, frozen, or permanently blocked exterior water-service line from your utility’s responsibility … to the water meter or main shut-off valve inside your home damaged due to normal wear and tear not accident or negligence.”

HAMPTON — Several hundred customers of Aquarion Water Company have signed up with Aquarion Services Company, a water company subsidiary, in an insurance program that would pay for repairs to individual water lines on homeowners? property.

The brochure encouraged people to contact their own insurance company, and McNerney noted that his homeowner"s insurance policy covers only part of any such repair work that might need to be addressed.

Michael McNerney"s wife, Lisa, said the issue is about education. "A lot of people don"t realize that the water company"s responsibility goes only to the property line. We didn"t know that," Mrs. McNerney said.

Under the program, all work done must be completed by a company referred contractor. Roberts said that is because the company wants to monitor the work carefully in order to keep insurance premiums down, and so the company has some control over the process.

Roberts said the insurance program "fills the gap between the curb valve where the water company"s responsibility ends and the property owner"s responsibility begins."

Brian Goetz, operations manager at Aquarion Water Company of New Hampshire, based in North Hampton, said he is aware of the program, but it is not run by the local company. "It provides some coverage over pipes that might be cracked by a deep freeze, settling, age, wear and tear ... it"s voluntary insurance," Goetz said.

A spokesperson at the state Public Utilities Commission said she was not aware of any complaints received at the PUC about the water company. PUC Executive Director Deborah Howland said that Aquarion Services Company does not fall under the PUC"s authority.

Aquarion Services Company is a division of Aquarion Water Company of Bridgeport, Conn. , which owns the local water distributor. ASC is based in Bridgeport, Conn.

The Warwick Sewer Authority (WSA) strongly encourages homeowners whose properties are connected to sewers to contact the WSA at the first sign of trouble with their sewer system.  WSA inspectors are available to respond to a customer’s call and will investigate the nature of the problem.  If the problem can be traced to the public sewer collection system, WSA will make the necessary repairs and improvements to the system.  If it is determined that the public sewer system is functioning properly, WSA inspectors may be able to assist homeowners in addressing problems with their private service connection.

One of the fastest-growing insurers and a company with a 50-year history of protecting families, Mercury Insurance. They offer service line protection as an add-on to its home insurance policies. $10,000 of coverage is paired with an affordable $500 deductible to provide coverage for a broad range of service lines, including sewer lines.

This all depends on your provider, but sewer line coverage is often not built into a standard homeowners policy. Some providers do include it, though, and others offer it as an add-on or standalone policy. Some insurers may offer home warranties that include sewer line damage. Check out some of our favorite homeowners insurance policies below to see if they offer sewer line coverage as part of their available products.

Weeks ago, Aquarion Water Company must have come a’calling—and since I am visitor-proof, they left an urgent notice on our doorknob. By the way, nothing says *urgent* like a white luggage tag on the front door. I was instructed to contact the company immediately regarding a water leak on our property.

Aquarion refused to be ignored, sending a big white van to pay me a visit. They really stepped it up from the white door tag. This time, the dog alerted me to the vehicular presence in the driveway, and that is where I met my fate. I perp-walked out to the technician feeling rather guilty. After a boots-on-the-ground consultation, I was asked a question that no one in New Canaan is prepared to answer in the affirmative: Do you have water line safety valve insurance?

Ummm, no. You mean those silly letters that I throw away every month and say, “Ha, what sucker buys safety valve insurance?” It was made very clear why the insurance is worth the investment and it was painful. All of the sudden, I had become the New Canaan version of Diane Keaton’s character from “Baby Boom,” and was quite literally, drowning in homeownership hell.

That said, I was quoted up to $10,000 if my leak hide-and-seek project was major. This was not what I had bargained for when I threw away all of those safety valve insurance mailers.

Weeks ago, Aquarion Water Company must have come a’calling—and since I am visitor-proof, they left an urgent notice on our doorknob. By the way, nothing says *urgent* like a white luggage tag on the front door. I was instructed to contact the company immediately regarding a water leak on our property.

Aquarion refused to be ignored, sending a big white van to pay me a visit. They really stepped it up from the white door tag. This time, the dog alerted me to the vehicular presence in the driveway, and that is where I met my fate. I perp-walked out to the technician feeling rather guilty. After a boots-on-the-ground consultation, I was asked a question that no one in New Canaan is prepared to answer in the affirmative: Do you have water line safety valve insurance?

Ummm, no. You mean those silly letters that I throw away every month and say, “Ha, what sucker buys safety valve insurance?” It was made very clear why the insurance is worth the investment and it was painful. All of the sudden, I had become the New Canaan version of Diane Keaton’s character from “Baby Boom,” and was quite literally, drowning in homeownership hell.

That said, I was quoted up to $10,000 if my leak hide-and-seek project was major. This was not what I had bargained for when I threw away all of those safety valve insurance mailers.

Just like others say, this is a s****** company. SIX times my home has been flooded because they refuse to fix the problem THEY identified...tree roots in a broken section of pipe. Their idea of fixing it is to snake the pipe out then make you wait until the flooding occurs. Then its same story as last time, you dont need the expensive fix just keep filling your house with stench and water. AVOID at all ..Read Full Review

Just like others say, this is a s****** company. SIX times my home has been flooded because they refuse to fix the problem THEY identified...tree roots in a broken section of pipe. Their idea of fixing it is to snake the pipe out then make you wait until the flooding occurs. Then its same story as last time, you dont need the expensive fix just keep filling your house with stench and water. AVOID at all cost. My next step is court. ..View less

They tried to send 2 out if state companies with 5 day lead time. My main sewer line was clogged and needed excavated for repair. I called my own plumber and got reimbursed $3800 of $7300 not including landscaping and concrete repair. Terrible continuity of phone personnel to manager/dispatchers. I got higher coverage through my homeowners policy and I can call my own contractors.

This company has some very serious issues in their billing department and apparently has taken no steps to correct them. Every monthly bill requires a painful phone call.

I appreciate all the help from SLW. After having back up sewage and a clogged line for years. It is a blessing not having that problem anymore. The plumbing company was prompt in coming out and they explained what was going on and what was needed. The company called back to make sure that the service was completed and Solid plumbing follow up also.

I"ve been with this company since the city of Arlington offered it to homeowners about 5 years ago. I have had NOTHING BUT PROBLEMS with their billing department. I"ve been billed odd amounts. My payments haven"t been posted properly, then they have had the nerve to suspend my services!! I"ve spent hours and hours and hours on the phone trying to get things straightened out and STILL CONTINUE TO HAVE ..Read Full Review

I"ve been with this company since the city of Arlington offered it to homeowners about 5 years ago. I have had NOTHING BUT PROBLEMS with their billing department. I"ve been billed odd amounts. My payments haven"t been posted properly, then they have had the nerve to suspend my services!! I"ve spent hours and hours and hours on the phone trying to get things straightened out and STILL CONTINUE TO HAVE MAJOR PROBLEMS. Their excuses get tiresome. their coverage has been good the two times I"ve used them, but KNOW THAT IT IS AT THEIR CONVENIENCE to get help to you. Their contractors are low budget, slap a temporary fix on it kind of guys, and don"t fix things completely without having to call them back for a second or third trip. A total inconvenience to schedule and budget!!!!. overall, this company SUCKS. I"m in the process of taking my 5 homes away from them. ..View less

My father died and I only wanted to stop the auto pay. Holy Moly! I wasted an hour on the phone talking to complete and total idiots that can only read from a script. I was on the phone for over an hour and never once did anyone ask for documentation or offer any help. Instead what happened was that I was patronized and harassed and placed on hold for 10 to more mins at a time and jerking me around. I then got angry and contacted the BBB, WV attorney General and am fling fraud charges with my bank and changing my bank card. Today, I get a call from this company. I said you had your chance to do the right thing and you choose not to. I am taking action against this company. I can only imagine the hell I would have to go through if something actually happened. I have canceled the plan and will get my money back for the last payment.

I am writing reviews online all over the place to warn people about this terrible company - Unprofessional, patronizing and incapable of completing the most basic of tasks. ..View less

Over and over they send bill for premium that"s already been paid then YOU must take time to call them to make it right and their CS is not that great, this may be the last time I use them. The city of Tulsa should be ashamed to be associated with this clown company.

If i could give 0! They kept billing me an over due bill which I knew I had paid every month. Every time i called they apologized because they just got their new billing system. At one point I had to faxed them my bank statement to show that I had paid them for previous month. AVOID this company!

Home Warranty Inc., also known as Home Warranty of the Midwest, opened its doors in 1999 with the goal of filling the gaps left by homeowners insurance. It’s headquartered in Iowa and provides coverage across 30 states. Its plans help fund expensive repair and replacement costs of critical systems and appliances.

In this comprehensive Home Warranty Inc. review, the This Old House Reviews Team assesses the company’s quality through several key performance indicators such as available plans, costs, coverage caps, claim filing process, customer reviews, and the company’s overall reputation. Keep reading to determine if Home Warranty Inc. is the best home warranty for you.

Home Protection Plan: Home Warranty Inc. considers this its most popular plan. It has no limitations on square footage, which means you don’t have to pay extra even if your house is above 5,000 square feet. This package provides coverage for 20 home systems and appliances and is perfect for homeowners who want to cover the repair expenses of a healthy mix of systems and appliances.

Appliance Protection Plan:This plan is based on a la carte model, which means you can pick and choose which appliances you want to be covered. Home Warranty Inc. will pay for the entirerepair cost of the appliance. If the appliance is not repairable, or if the estimated repair cost falls above its replacement value, you will be offered a replacement allowance equivalent to 100% of the money paid in the premium for that covered item. The Appliance Protection Plan is best suited for homeowners who have several well-maintained, but old, appliances in need of an upgrade.

Supplemental Home Protection Plan: This is an additional coverage plan that offers protection for 14 systems and appliances not included in the other plans. The Supplemental Home Protection Plan is best suited for long-term homeowners who want their home warranty to complement their standard home insurance policy.

***Pre-existing Conditions: Home Warranty Inc. provides coverage for systems and appliances with unknown pre-existing conditions at no extra costif you submit a satisfactory inspection report performed by a qualified home inspector to the company. Items that are found to have pre-existing damage during the mechanical and visual inspection will need to be repaired, and the proof of repair will need to be submitted to Home Warranty Inc. to be considered eligible for coverage.

Water Heater: When it comes to your water heater, Home Warranty Inc. will repair the main unit, exhaust blower assembly, water heater elements, gas control valve, and thermostats. It won’t provide coverage for solar water heaters and components or cover thermal expansion or holding tanks, noises, odors, or the color and purity of water.

Home Warranty Inc. is accredited by the Better Business Bureau (BBB), where it holds a A+ rating. As with any top home warranty company, there will be a mix of positive and negative customer reviews.

“Choose another company if you can. They make a blanket statement listing covered items. However, unless you want to actually have your appliances fully covered read closely. They get you with the extra buyer options for more and more money just to fully cover an appliance. Choose another place!” — Colleen H. on April 26, 2019

The This Old House Reviews Team gives Home Warranty Inc. 8.7/10. Home Warranty Inc. has plenty of outstanding features that make it a strong home warranty solution for those in midwestern states. The company has three different coverage plans and an option to purchase additional coverage.

Its Appliance Protection Plan gives customers the flexibility to build their own plan and with the Home Protection Plan, homeowners have the option to use the approved repair cost to fund a new appliance. This is invaluable for homeowners who have anoldappliance that’s in working condition but malfunctions so frequently that it’s better to be replaced than repaired.

All that said, Home Warranty Inc. does have its drawbacks. It’s only available in 30 U.S. states, which means it’s inaccessible for many homeowners. Additionally, the terms and conditions associated with each plan may be tricky to understand without talking to a customer representative first. We recommend reading the fine print carefully, so you don’t end up paying for any hidden fees.

The This Old House Reviews Team recommends American Home Shield for its industry experience, plan options, and comprehensive coverage. AHS has three plans: ShieldSilver™ which covers major household systems, ShieldGold™ that covers essential home systems with major kitchen and laundry appliances, and ShieldPlatinum™ that covers a mix of systems and appliances with extra perks such as roof leak coverage and coverage boosts.

Representatives are available 24/7 to process your service request. Once your claim is approved, you can contact the assigned service company and schedule an appointment with them during business hours. If you choose to schedule an appointment with the contractor during off-hours or request expedited service, you will be responsible for any additional fees.

The This Old House Reviews Team backs up our home warranty ratings and recommendations with adetailed rating methodologyto objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.

Until we’re jolted to take notice, most of us forget that the water that flows through our homes and the wastewater that flows out spends time in the area between the street and the front of the house. If something goes wrong with those subterranean pipe systems, the homeowner, not the utility, is responsible. And unlike with leaks inside your home, your homeowners insurance won’t cover the expensive – on average, $2,500 per incident – repairs to water or sewer lines, plus the ensuing landscaping refresh, according to Myles Meehan, senior vice president of public relations at HomeServe USA, a service plan provider.

Every homeowner’s nightmare? You bet, and utility companies have come up with their own solution: They’ll sell you a service plan at a low monthly rate that will cover repairs to and damages from water and sewer lines. (Your utility might also offer plans for power surges, kitchen or laundry appliance failures, water heater replacement, heating and cooling system replacement and more.)

Dominion, the Richmond, Va.-based energy company that services a large part of the East Coast as well as two western states, sells a potpourri of home “warranty” programs, starting at a $1.99 per month. (Prices vary by state. In Virginia, where I live, Dominion charges homeowners $4.99 to $5.99 per month for water line replacement and $5.99 for sewer line repair). Why should homeowners bite?

Many other utilities in the U.S. outsource their insurance-warranty programs to large service providers. One is HomeServe USA, based in Norwalk, Conn., which is partnered with 400 cities, municipalities and utilities serving 2.8 million homeowners, says Meehan. Its service plans are on average $5 per month for water service line coverage and $8 to $10 a month for sewer line coverage.

Alas, sewer line policies may not take effect immediately. James Pecot of Chantilly, Va., noticed a neighbor’s lawn being dug up earlier this spring. The sewer line at that house was clogged and couldn’t be cleared. That’s when Pecot heard about the sewer line insurance being sold by Dominion. He called the company the next day and bought the sewer line warranty, which wouldn’t be effective for 30 days, he was told up front. A week later, the sewer line at the Pecot home failed.

“I called Dominion, and they indicated my coverage was not yet active and we were not covered,” says Pecot. A recommended sewer and plumbing company came out and fixed what turned out to be a cracked pipe that had tree roots growing through it (the plumber said the line could have been cracked 30 years ago, when it was installed). The cost for repairs: $4,700.

But some say homeowners are better off putting that $72 or so per year into a rainy-day fund to cover future unknowns – like when my water heater bit the dust this spring (and I didn’t have a water heater service plan from my utility).

You should also check your homeowners insurance. Most policies don’t automatically cover sewage and drain backups, which can cause expensive damage if water and sewage backs up into your house. It may cost just $50 to add about $10,000 in sewage backup coverage. But that’s for internal work – not for water or sewer line repair outside the home.

Ask about a service-line rider for your policy. Unlike with a service plan from your utility company, you will be able to use your own plumber for the repairs. Then again, you’ll be responsible for dealing with the plumber.

A backwater valve (sometimes called a backflow or sewer backup valve) is a valve you can install on your sewer line and is designed to allow water or sewage to flow only one way—out of your house. Sudden heavy rainfall can overwhelm city sewer lines, causing water or sewage to flow back towards your home. A backwater valve prevents sewage from flowing backwards into your house during such events.

They can be installed in the initial new construction or retrofitted into existing homes. Installing during the initial construction is naturally much cheaper, costing around $500. To retrofit a backwater valve, a section of the home’s foundation needs to be removed to access the main sewer line. The cost to retrofit a backwater valve ranges from $2,000 to $5,000.

Backwater valves are required by some municipalities and recommended by others. Some municipalities offer subsidies to assist with the installation of backwater valves—check out the links at the end of this article.

The risk of water backup increases if there is a basement in your home, or if the ground floor is less than 30 cm above street level. If a new home has any fixtures located below street level, The National Plumbing Code requires a backwater valve.

Your home’s sewer system allows water and sewage to flow out of the house. A backwater valve stops water or sewage from flowing into your house should the main sewer line become overloaded.

Inside the valve is a small flap that is normally open, allowing water to exit your home and any sewer gases to vent. There is a small floatation device on each side of the flap. If water or sewage starts to flow backwards into the house, the floaters cause the flap to lift up and close, thus preventing anything from entering your home.

When you retrofit a backwater valve onto your existing home (as opposed to installing it during construction), you’ll need a plumbing permit from your municipality. During installation, a plumber will have to cut a hole in the concrete floor, usually near the floor drain. Then, they’ll dig down to the main sewer line, cut out a portion, and replace it with the new valve.

The valves often have a clear top so you can see if it is operating properly. There’s also a lid that you can remove for cleaning. Without a properly functioning backwater valve, sewage could come into the basement through a floor drain, sinks, tubs, and toilets.

Before you install a backwater valve in your home, talk to your municipal government to find out if any local permits are required, as well as to find out what sort of equipment they recommend.

When it comes time for installation, hire a licensed plumber. They can install the backwater valve and can also obtain any necessary building permits. Municipal governments sometimes maintain lists of pre-approved plumbers.

“People often forget this and cover them with flooring. This stops the ability for inspection and maintenance as well as losing access to the drains for clearing blockages if they occur. Drains can still block and cause a backup even with a backwater valve installed. Underground piping in the basement may require the expected installation location to change.”

Things can get stuck inside the valve, preventing it from closing. Sharp items moving through can also damage the valve. Proper, regular maintenance can catch these issues before there is a serious problem.

Backwater valves are usually easily accessible. They have a clear top, so you should be able to see if water is flowing freely or if anything is stuck. You’ll find plenty instructional videos to help you DIY the maintenance. Or, you can call an expert if the thought of sticking your hand in a sewage pipe is not particularly appealing. If you do attempt to clear a block on your own, be sure to follow all the instructions carefully—especially wearing gloves.

If everything is clear, and the city sewer backs up during a major rainstorm, your backwater valve will close, which is exactly what you want to happen.

When the valve is closed, water can’t flow out of your house either. There is a certain amount of storage space in your plumbing system to account for this. But, you may not want to shower and run your washing machine or dishwasher all at once during a major rainstorm or snowmelt event. Since none of your wastewater will be able to escape with the backwater valve closed, you could wind up flooding your own house.

Chubb offers standard homeowners insurance, as well as condo and co-op, renters and flood insurance policies. Many of the base protections included in its standard policies as well as add-on coverage options are rare, even among large national insurers, and these protections are especially valuable to high-net-worth individuals or those seeking protections from unique risks like cyberattacks.

Chubb Masterpiece homeowners insurance policies include several rare coverages, such as extended replacement cost, cash settlement and risk consulting services, as well as several unique add-on coverage options such as family protection and cyber insurance. And as with auto insurance, Chubb offers high liability limits — up to $100 million in personal liability.

These options may be attractive to homeowners that want the flexibility of cash payment, appraisal services or coverage options that protect against unique risks like home invasion and cyberattacks.

Below we list several coverages that can be bought in addition to Chubb"s Masterpiece homeowners insurance policy, though availability may vary by state.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EBelow we list several coverages that can be bought in addition to Chubb"s Masterpiece homeowners insurance policy, though availability may vary by state.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Accordion\" data-component-name=\"Accordion\"\u003E\n \u003Cdiv class=\"Root-sc-1p4b1c4 jtQORB\"\u003E\u003Cdiv class=\"Root-sc-18uhp3r bjqdvu\"\u003E\u003Cdiv tabindex=\"0\" class=\"HeaderWrapper-sc-9iud4t gnyuvR\"\u003E\u003Cdiv class=\"TitleWrapper-sc-8jgky4 ibypas\"\u003E\u003Cp class=\"pTitleElement-sc-9cz7ej dKoVkb\"\u003EEquipment breakdown\u003C\/p\u003E\u003C\/div\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl jwzcXa ValuePenguinIcon--root ValuePenguinIcon--minus\" color=\"blue\" name=\"minus\"\u003E\u003C\/span\u003E\u003C\/div\u003E\u003Cdiv class=\"ContentWrapper-sc-1c2drvb gQWUK\"\u003E\u003Cdiv\u003E\u003C\/p\u003E\n\n\u003Cp\u003EPays for the full replacement or repair of your home"s appliances and equipment in the event of sudden and unexpected damage. It"s available in both Essential and Enhanced coverages. \u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"Root-sc-18uhp3r bjqdvu\"\u003E\u003Cdiv tabindex=\"0\" class=\"HeaderWrapper-sc-9iud4t gnyuvR\"\u003E\u003Cdiv class=\"TitleWrapper-sc-8jgky4 ibypas\"\u003E\u003Cp class=\"pTitleElement-sc-9cz7ej dKoVkb\"\u003EFamily protection\u003C\/p\u003E\u003C\/div\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl jwzcXa ValuePenguinIcon--root ValuePenguinIcon--plus\" color=\"blue\" name=\"plus\"\u003E\u003C\/span\u003E\u003C\/div\u003E\u003Cdiv class=\"ContentWrapper-sc-1c2drvb hkIbYG\"\u003E\u003Cdiv\u003E\u003C\/p\u003E\n\n\u003Cp\u003EHelps policyholders pay for expenses following traumatic events like home invasion, carjacking or cyberbullying. \u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"Root-sc-18uhp3r bjqdvu\"\u003E\u003Cdiv tabindex=\"0\" class=\"HeaderWrapper-sc-9iud4t gnyuvR\"\u003E\u003Cdiv class=\"TitleWrapper-sc-8jgky4 ibypas\"\u003E\u003Cp class=\"pTitleElement-sc-9cz7ej dKoVkb\"\u003ECyber insurance\u003C\/p\u003E\u003C\/div\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl jwzcXa ValuePenguinIcon--root ValuePenguinIcon--plus\" color=\"blue\" name=\"plus\"\u003E\u003C\/span\u003E\u003C\/div\u003E\u003Cdiv class=\"ContentWrapper-sc-1c2drvb hkIbYG\"\u003E\u003Cdiv\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What Is Cyber Insurance?\" href=\"https:\/\/www.valuepenguin.com\/personal-cyber-home-insurance\"\u003ECyber insurance\u003C\/a\u003E\u003C\/span\u003E covers cyber extortion, cyber financial loss and cyber personal protection for high-value home insurance policies.\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"Accordion\"\u003E{\"maxContentHeight\":\"180\",\"tabItems\":[\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EPays for the full replacement or repair of your home"s appliances and equipment in the event of sudden and unexpected damage. It"s available in both Essential and Enhanced coverages. \",\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EHelps policyholders pay for expenses following traumatic events like home invasion, carjacking or cyberbullying. \",\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"What Is Cyber Insurance?\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/personal-cyber-home-insurance\\\"\\u003ECyber insurance\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E covers cyber extortion, cyber financial loss and cyber personal protection for high-value home insurance policies.\"],\"tabTitles\":[\"Equipment breakdown\",\"Family protection\",\"Cyber insurance\"],\"titleStyle\":\"p\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n","padding":"double"}

In addition to these coverages, Chubb offers the standard homeowners insurance coverages you"d expect to see from any major insurer: liability, personal belongings, medical payments and additional living expenses.

Homeowners insurance premiums at Chubb are generally more expensive than rates offered by other large national insurance companies. However, Chubb offers many homeowners discounts that could garner valuable savings for eligible policyholders.

The rates above reflect costs for a New York home built in 1961 and worth $314,500. Homeowners insurance rates vary drastically by state and property, so you should always compare quotes from several insurers to find the cheapest rate.

Customers can mitigate the high base prices of Chubb"s policies with its extensive discount list. Discounts vary from state to state and can depend on whether you live in an urban, suburban or rural community. To give an idea of the company"s offerings, however, we"ve listed the discounts available in New York state below:

The cost of walk-in tubs varies quite a bit depending on size and features. The models chosen by our Reviews Team are some of the most affordable walk-in bathtubs on the market, but installation will add to the cost of your new walk-in tub.

It’s important to know what size of seat you will need to bathe safely and comfortably. A member of our Reviews Team (seefigure 1 below) sat in a few different models with seats that measured 23 inches wide by 15 inches deep, which is standard for many walk-in tubs. While she found those seats to be adequately sized for her 5-foot 5-inch frame, someone taller and/or larger would likely have felt cramped.

You also don’t want a seat that isn’t deep enough. This could be a matter not only of convenience but also safety; a shallow seat may cause you to slip off when turning around while bathing or reaching for something behind you, for instance.

Wheelchair-accessible tubs comply with ADA standards, meaning they meet certain requirements for ease of use and safety features. The threshold on wheelchair-accessible tubs is very low, and the width of the door is wider, to allow the user to move from the wheelchair to the tub seat.

Some walk-in tubs also offer overheating protection (also known as anti-scald valves). As an added safety measure, theConsumer Product Safety Commissionrecommends setting the maximum temperature on your water heater to 120 degrees Fahrenheit to prevent burns.1

The design and safety features of walk-in tubs can also help caregivers who may need to bathe older adults or people with a disability. A walk-in tub makes it easier for caregivers to move around in the bathroom without getting wet, and reach all angles of the bathtub to help someone bathe.

In addition to the standard features above that help ensure your safety while bathing, many walk-in tub makers offer some or all of the following special features.

Practice reaching behind your back and turning in the seat to make sure you can move around without losing your balance. If you’re concerned about having enough room in the tub, it’s worth the time and effort to make sure you’re happy with the size offered before ordering one. Ending up with a seat that’s too narrow or not deep enough to sit on safely will affect your experience (and possibly your safety) while using a walk-in tub.

It’s a good idea to have an occupational or physical therapist, or a nurse experienced in older adult care conduct a home safety evaluation before purchasing a walk-in tub with an outward-swinging door. They can evaluate your bathroom space, spot any hazards that need to be addressed when installing the tub, and talk you through getting in and out of the tub. You can usually set up an evaluation by asking your doctor for a prescription, which will ensure that insurance orMedicarepays for it.

One company the Reviews Team called (but didn’t include in this review) would not give a definite answer on returns, saying it would depend on the circumstances and how much the tub had been customized.

It’s important to see the return policy in writing before ordering, so you know what recourse you have if the tub arrives damaged or you simply don’t like it once you see it in person. For example, the seat may not be comfortable, or it may be hard to reach the faucet and controls while seated in the tub. One of our Reviews Team members was surprised at how much pressure it took to hold the door closed while latching the handle on several walk-in tub models.

Our Reviews Team recommends buying a walk-in bathtub from a company with a return window. This will give you the chance to sit in the tub, try out the door and controls, and make sure the grab bars are conveniently placed for you, all before installing it.