Advertiser Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

Cover Your Assets (CYA)

Matthew Levy Matthew Levy Last update:
Payout Caps
%
Service Fees
$24.99 - $59.98
Contract Term
Per month

Overview

Cover Your Assets (CYA) was formed in 1991 by the Consumer Priority Service (CPS) team. CPS has allowed companies to provide extended warranty packages to their clients for the last 30 years. Its options have recently been broadened by Cover Your Assets, which lets people can buy insurance directly at wholesale rates. CYA works with a factory-authorized service network to assure the highest level of repair and craftsmanship.

CYA provides consumers with trustworthy coverage at a reasonable price, allowing them to secure their appliances and home systems without going overboard. Breakdowns, issues, and failures are almost inevitable, but with CYA, you may avoid the expensive repair and replacement charges that normally follow. This home warranty offers customizable plan choices and unique coverage that can be tailored to your requirements. It also assures the best quality of service for your use.

Types of Home Warranty Services & Terms

Plan Types Appliances, systems, and combo.
Coverage Territory
  • Alabama
  • Arizona
  • California
  • Connecticut
  • Georgia
  • Hawaii
  • Indiana
  • Michigan
  • Nevada
  • New Mexico
  • North Carolina
  • Oklahoma
  • Oregon
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
Contractors  In & out of network
Is a home inspection required? No
Contract Lengths Available Per month
Benefit Limit Type Per plan
NHSCA Member No
BBB Rating Not accredited

CYA Pros & Cons

Pros

  • Complete protection for household appliances and systems.
  • Customized coverage.
  • Affordable costs.
  • 5-day refund or repair on all claims.
  • Every service comes with a 30-day labor warranty.

Cons

  • Only offered in specific states.
  • The list of items covered is exhaustive and may omit some.

Plans & Pricing

  • Appliances Plan

This plan goes for $34.99 monthly. It covers refrigerators, ranges/cooktops, ovens, dishwashers, garbage disposal, instant hot/cold water dispensers, washers, and dryers.

  • Systems Plan

For $24.99 per month, this plan covers air conditioners, heating units, ductwork, built-in exhaust, vent & attic fans, main breaker & fuse panel box, doorbell & chimes, ceiling fans, garage door, openers, toilets, faucets & valves, whirlpool tub motor & components, and water heaters.

  • Combo Plan

This plan combines the two preceding for $59.98 per month. Namely refrigerators, ranges/cooktop, ovens, dishwashers, garbage disposal, instant hot/cold water dispensers, washers, dryers, air conditioners, heating units, ductwork, built-in exhaust, vent & attic fans, main breaker & fuse panel box, doorbell & chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets & valves, whirlpool tub motor & components, and water heaters.

Exclusions

Your coverage is subject to certain exclusions as with all insurance and warranty plans. Those who enroll in CYA will be accountable for maintaining and utilizing their systems and appliances. This implies that you cannot willfully disregard needed maintenance, that you must follow the prescribed maintenance schedule, and that you cannot use your equipment or system for a purpose other than that for which it was intended. Uncontrollable occurrences such as natural catastrophes may also be subject to restrictions depending on their nature. You should visit CYA’s website to get the most recent regulations.

Claims and Repairs

It is simple to make a claim for any of the insured items using the CYA mobile app, email, or phone. Repair or refund requests are handled within five days after receipt. The firm provides consumers with a pre-paid mailing label for small products, allowing them to submit their equipment immediately for repair. To repair bigger objects, a professional will be dispatched to the location.

Final Thoughts

Millions of Americans have grown to rely on CYA’s exceptional service, which it has provided for more than two decades. Their amazing plans include all typical appliances and systems. There are no age restrictions, so you may sign up regardless of when you purchased your appliances or their present condition. Not only does CYA take any old appliance or system, but they also do not need maintenance records or inspections, unlike many other suppliers.

The CYA claims procedure is one of the easiest and may be completed through phone, email, or mobile application. CYA will pay all qualifying charges associated with repairing or replacing your appliance/system and will deploy licensed personnel to your premises within five days. A 30-day workmanship warranty covers all repairs, and you may contact a CYA representative at any time to ask questions, get clarification, or address ongoing concerns.

Address

CYA headquarters are located at 3101 Emmons Avenue, Brooklyn, NY 11235.

Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Matthew Levy Matthew Levy
Matthew is a freelance financial copywriter with 10+ years in financial services. He holds a Bachelor of Science degree in Economics with business and finance options and is a CFA Charterholder. He is from Vancouver, Canada, but writes from all over the world.
This review is based on the writer's personal opinion.