A good rule of thumb is to expect somewhere around 1% of the hull value. For example, for a $100,000 boat, the cost of insurance will be somewhere around $1,000 a year. Keep in mind this can vary significantly based on many different factors such as where the boat is used, your boating experience and other factors.
Insurance FAQs
Their goal is to make homeownership as easy as possible for our customers. That being said, you do have some simple responsibilities:
- Choose the plan that best fits the needs of your home
- Provide Armadillo with model and serial number information for your stuff (they may have to request some more info for their service providers – they don’t want them to have to make more than one trip to your home if possible)
- Properly maintain your stuff
- Try your best to protect anything that gets damaged
- Make your appliance or system reasonably available to the service professional when they come for their visit
If your appliance or system cannot be fixed then Armadillo will provide you with cash for a replacement. If you have a preference for Brand, please make sure you choose the optional Brand-for-Brand add-on with your plan for additional coverage. It doesn’t cost much, and it is awesome! Especially if you love your current appliance brands.
They have designed the Armadillo plan to include all the add-ons that might make sense. Give us a ring anytime to talk through coverage options and which add-ons are optimal for your home. Here’s a list:
Appliances
- Additional Refrigerator (Including Ice Maker): They cover your fridge under your Plan, but sometimes one just isn’t enough for all your beverages and food. This addon is for an additional fridge.
- Freestanding Ice Maker: Everyone loves a cool beverage. Be cool and add the freestanding ice maker so nothing comes between you and an ice cold drink (or two).
- Freestanding Freezer: Add a freestanding freezer to enhance your coverage and keep things cool.
- Freestanding Wine Chiller: Chardonnay, Sauvignon Blanc, or Riesling? Ensure all your wines (and other beverages) stay chilled by adding a freestanding wine chiller to your Plan.
Heating & Air Conditioning
- Additional Air Conditioning System: For homeowners with an extra AC unit to keep things cool on those long, hot summer days.
- Additional Heating System: For homeowners with an extra heating system to keep things warm on those cold, dreary winter days.
External Systems
- Well Pump and Septic System: If you have a well pump then this add on is for you! The coverage provides protection for your well pump and your wastewater treatment system should anything happen.
- Sprinkler System and Outside Plumbing: Keep your watering schedule consistent with this add on to ensure your lawn and plants don’t go thirsty. This add-on provides another layer of protection to keep your sprinkler system and outside plumbing covered.
- External Sewer Lines: Don’t forget about the sewer lines outside of the walls of your home. Many consumers are unaware of their potential liability a faulty or failed sewer line can cause. Add to your Plan to protect yourself.
- External Water Lines: Nothing is worse than not having water. A leak or break in your water line is often times the homeowner’s responsibility and can leave you without water for days. Add the external water line coverage to ensure you’re protected!
- External Electric Line: Repair of your external electric lines can be inconvenient and costly! Keep yourself protected by adding external electric line coverage to your Plan.
- Gas Line: The same great coverage you would expect from our other external line options, but applicable for those customers with natural gas.
Extras
- Brand-for-Brand Upgrade: We’re all loyal to our favorite manufacturers. This add-on ensures that you have extra coverage if any item under your Plan needs to be replaced with the same brand.
- Swimming Pool & Spa: You bought a pool to enjoy it! This add on will make sure that any unexpected trouble is quickly resolved and you’ll be back to swimming laps in no time. Our plan also covers Salt Water pools.
- Water Purification System: If you’ve invested in a water purification system in your home then you want to definitely make sure it’s protected. Add an additional layer of protection to keep your water source soft and pure.
- Generator: The backup to your backup. Armadillo offers the ability to keep your back-up power solution protected from breakdowns so you can keep the power on when you need it most.
- Guest House: This addon is only available with the Premium Plan. It provides the same level of coverage you have on your primary house for a guest house located on your property. That includes the appliances, the HVAC system, the plumbing and the electricity in the Guest House!
They do not cover known pre-existing conditions. That is, they do not cover items that were previously known to have been damaged – those are your responsibility. They also do not cover intentional damage and suggest you read our (insanely short and to-the-point*) service contract to review all applicable exclusions.
*as a matter of fact, they have the shortest, most transparent and digestible service contract in the home warranty industry.
While individual appliances may initially be covered under manufacturers’ warranties, these only last a predetermined period of time – usually a year. You know what we’re talking about, we’ve all been there.
Home warranties provide protection regardless of the age of the appliance or system. You’ll never have to turn your house upside down digging up your manufacturer’s warranty ever again.
Armadillo coverage is broken down into 3 tiers for you to choose from: Base, Standard and Premium. Many of our clients opt for the Standard, which provides great coverage for most household types. Give us a ring anytime to talk through coverage options and which plan is optimal for your home.