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Cover Your Assets (CYA) Reviews


bestfor-icon Unconventional home warranty coverage

Written by David Bufton

About Cover Your Assets | Read More


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  • (800) 202-7707
  • Headquarters: 3101 Emmons Avenue, Brooklyn, NY 10018
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Cover Your Assets Home Warranty Review

CYA offers one of the most flexible home warranty coverages available in the US today. Customers have the option to cover individual electronic items, whole home systems and appliances, and everything in between. CYA has a large number of contractors available thanks to its factory-authorized service network, which ensures that the work undertaken will be of the highest quality.

Cover Your Assets Home Warranty Highlight


Service Fees

$500 – $2,500

Payout Cap

$250 off + 2 free months + FREE roof/leak coverage




Not Required

Home inspection


Other Fees


Origination Fee


Prepayment Fee


BBB Rating



Within 5 days of reporting an issue

Response Time


Contract Length Available

Pros & Cons

  • con-icon Complete protection for household appliances and systems
  • con-icon Customized coverage
  • con-icon Affordable costs
  • con-icon 5-day refund or repair on all claims
  • con-icon Every service comes with a 30-day labor warranty.
  • con-icon Only offered in specific states
  • con-icon The list of items covered is exhaustive and may omit some

Plan Types


  • Appliances 
    Pricing from $49.99 monthly
  • Systems
    Pricing from $59.99 monthly
  • Whole Home
    Pricing from $79.99 monthly
  • Lifestyle 
    Pricing from $110.74 monthly
  • Platinum 
    Pricing from $80.82 monthly
  • Gold
    Pricing from $58.87 monthly
  • Kitchen
    Pricing from $27.97 monthly
  • Laundry 
    Pricing from $12.98 monthly

Optional Add-Ons

  • Pool and Spa
  • Well Pump
  • Septic System


$250 off + 2 free months + FREE roof/leak coverage


  • Intentional damage
  • Lost or stolen products
  • Wilful damage
  • Misuse of items
  • Damage caused by neglect
  • Damage caused by a drop greater than 6 feet
  • Fire damage
  • Water immersion damage
  • Modified products
  • Products not used in their intended capacity
  • Acts of God
  • Damage caused by an animal

Plans & Pricing

Cover Your assets plans:

Plan Monthly
Appliances $49.99
Systems $59.99
Whole Home $79.99
Lifestyle $110.74
Platinum $80.82
Gold $58.87
Kitchen $27.97
Laundry $12.98

CYA offers 8 different home warranty coverage bundles:

  • Appliances: The appliances bundle covers 10 major appliances that you choose to include within the coverage. This bundle costs $49.99 per month and incurs a service charge of $125 per call out.
  • Systems: The systems bundle covers 11 items – Air conditioning with ductwork, heating with ductwork, electrical, doorbells, smoke detectors, ceiling fans, plumbing, water heaters, garbage disposal, instant water dispenser, and central vacuums. This bundle costs $54.99 per month and also incurs a service charge of $125.
  • Whole Home: This combines the coverage offered by the Appliances and Systems bundles for the reduced rate of $79.99.
  • Lifestyle: The Lifestyle bundle is the most expensive coverage option from CYA. This includes 26 items, including 10 specified household appliances of your choosing, 5 TVs, 5 cell phones, 3 computers, and 3 electronic items. The Lifestyle bundle costs $110.74 a month, with call-outs for major appliances and TVs costing $149 and other items costing $89 for a service call.
  • Platinum: The Platinum bundle is similar to the lifestyle bundle, offering 18 items, including 8 appliances, 4 TVs, 4 cell phones, 1 computer, and 1 electronic item. This package costs $80.82 a month, with service charges the same as the Platinum Coverage.
  • Gold: This versatile entry range option covers 6 appliances, 2 TVs, 3 cell phones, 1 computer, and 1 electronic item. The cost is $58.87 a month with the same service fees and the Platinum and Gold packages.
  • Kitchen: This no-frills package covers 5 kitchen appliances of your choosing for $27.95 a month. Each service call-out will cost $149.
  • Laundry: The Laundry bundle covers your clothes washer and clothes dryer for $12.98 a month and has a $149 service charge if a contractor is called out.

In addition to the bundles, the following individual items are available for coverage. Service fees charged vary by item from $89 to $180, so check this before you purchase the coverage. All prices listed below represent the monthly fee payable. There is a discount available if multiple individual items are added for coverage.

  • Major household appliance – $6.99
  • Furniture – $3.99
  • Smartphone – $6.99
  • Tablet – $4.99
  • Television – $6.99
  • Computer – $5.99
  • Smartwatch – $2.99
  • Exercise equipment – $9.99
  • Patio furniture – $4.99
  • Video game system – $4.99
  • Electronics – $2.99
  • Camera – $6.99
  • Drone – $8.99
  • Camera lens – $6.99
  • Commercial appliance – $9.99
  • eBike – $8.99

Basic pricing is very transparent on the CYA website, but service fees/deductibles vary per coverage item and cannot be viewed until the desired package has been selected.

Each item can be covered monthly or annually, with a discount available if you purchase annual coverage. A home inspection is not required to take out coverage with CYA.

Service Fees

Service fees, or deductibles, are charged before a contractor is sent to visit your home. Unlike the coverage pricing, service fees charged are not readily available on the CYA website. Service fees charged range from $89 to $180, which is more expensive than the industry average of $75-$100.

Payout Caps

Payout caps vary depending on the item that is covered. Payout caps range from $2,500 for major systems, $2,000 for major appliances, and $1,500 for well pumps. Full terms and payout caps will be listed in your contract when you take out coverage with CYA, so inspect this carefully before you complete your order.

Cover Your Assets (CYA) : How to Get Started

Buying a home warranty with CYA was as easy as possible, with the process taking less than 5 minutes from start to finish. After visiting the CYA homepage, we selected “Get a Quote” to start. We then chose between coverage for individual items or bundles. We selected the Gold coverage plan so that we could cover some electronic items as well as major household appliances.

Note that any items that break within the first 30 days of taking out the coverage are not included within the coverage purchased, as they are deemed pre-existing. While the process was straightforward, the monthly charge and service fees were less competitive than other home warranty providers.

Cover Your Assets (CYA) : How to Get Started

Filing a claim with CYA is easy and can be done in one of three ways. Firstly, you can download the CYA app and file a claim. Alternatively, you can log in to your CYA online account to file a claim. Finally, you can call (800) 202-7707 to speak with an advisor.

State Availability

- Available in all states

Written by David Bufton

After graduating from the University of Warwick with a degree in accounting, David went on to become a fully certified accountant. Since then, he has amassed years of experience working in and writing for various sectors, including finance, gaming, and telecommunications. Now, he uses his extensive experience and knowledge in business and finance to deliver top-quality content.



What is the difference between home warranty and home insurance?

Home insurance generally covers the structure of your home, whereas home warranty covers the systems and appliances within the house.

Does CYA charge a service fee?

Yes, the Terms & Conditions state that a deductible will be charged at the time of a service call but do not state the amount.

Can I customize my home warranty coverage with CYA?

Yes, CYA allows you to fully customize your home warranty coverage to your needs, with the option available even to cover individual items.

Customer Support

You can contact CYA via phone, email, live chat, or by requesting a callback. We decided to request a callback, as a good test of customer service is checking if a company will contact you at the time that you request. We were pleasantly surprised when a customer representative called us at the exact time requested. We asked about CYA’s exclusions list and any other reasons why CYA would not provide coverage for an item. This was provided quickly by the customer care agent in a professional manner.

Privacy & Security

CYA’s website has a concise but thorough Privacy Policy detailing how customer information is treated. Reassuringly, the Privacy Policy explicitly states that no personally identifiable information gathered will be rented or sold to third parties. There are no negative reviews online regarding privacy or security issues relating to CYA, which is also a positive sign that CYA is safeguarding personal data appropriately.

In Conclusion

CYA is an excellent choice if there are specific electronic items that you want to be covered in addition to the usual household items covered by home warranty providers. It is worth noting that CYA’s list of exclusions is quite long, so we would recommend that you review these prior to taking out any coverage. That way, you’ll know exactly what is and what isn’t covered. Additionally, service fees charged are higher than average.

Brand Disclaimer

We are not responsible if the information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only. It should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, complete, or timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

Prices for our products are subject to change without notice. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time. We shall not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the service.