Making a Claim is Easy

At Toco, we make the claims process simple and stress-free. Whether you submit online or talk to a representative, we handle everything quickly and efficiently, so your home gets back to normal in no time.

icon
Fast approvals, so you don’t have to wait.
icon
Hassle-free repairs with flexible service options.
icon
Fast claims process with 24/7 support
protection_budget

Learn how it works, step-by-step

Choosing the right home protection plan helps safeguard your home and provides peace of mind for everyday repairs.
1
service_icon

Start Your Claim

Quick & Easy Filing

Start your claim effortlessly through our online portal or connect with our team for personalized assistance. Our user-friendly platform and dedicated support staff ensure a smooth beginning, guiding you through each step with clarity and efficiency.

Regardless of how you choose to file, we are prepared to handle your claim promptly, working toward a quick resolution.

2
service_icon

Repair or Replace?

Flexible Repair and Replacement Options

Once your claim is authorized, you can move forward with a repair or replacement based on our assessment.

Here’s what to expect:

Select Your Technician

You can choose your own technician - giving you control over who services your home; or we can connect you with certified professionals from our trusted network.

Seamless Replacement Process

If a replacement is the best option, we’ll walk you through securing a new item. You have the flexibility to obtain it in the way that suits you best, whether online, in-store, or through another preferred method.

Comprehensive Support

No matter which option you choose, our team is here to assist with documentation, authorization, and logistics, ensuring the process remains as smooth as possible.

3
service_icon

Submit Your Receipt

Effortless Receipt Submission

Submitting your receipt is quick and easy with our automated system. Simply upload your documentation through our intuitive platform, and our advanced review system will handle the rest.

Designed for convenience, this process ensures your claim is reviewed accurately and efficiently.

4
service_icon

Get Reimbursed!

Fast and Reliable Reimbursement

Enjoy the benefit of swift reimbursement through our efficient, automated system. Once your claim is approved, we prioritize rapid processing, ensuring funds are delivered directly to you with minimal delay.

Our focus is on closing your claim quickly and efficiently, so you can move forward with confidence.

FAQs: What Homeowners Want to Know

A home protection plan goes beyond just offering peace of mind—it safeguards key systems like HVAC, plumbing, and electrical, along with essential appliances such as your refrigerator and oven. Each plan fits your needs, ensuring your home functions seamlessly. Explore our plan details to see the full range of coverage we provide!

Yes! We prioritize flexibility when it comes to repairs. Once approved, you’re free to choose a service provider you trust. For replacements, our self-serve options give you control, making the process smooth and hassle-free.

Your satisfaction matters, but we understand that needs can change. Cancel within the first 30 days for a full refund, minus any service fees (if applicable). After that, prorated refunds are available. Our customer support team is here to assist, ensuring a seamless cancellation process. Check our terms for full details.

Our home protection plans typically last one year, providing consistent support for your home. You’ll have the option to renew or extend your coverage to match your evolving needs. See our plan terms for complete details on maintaining your protection.

Facing an issue? Contact us through our online portal, chat, or phone. Once approved, you can select your preferred technician for repairs, ensuring minimal disruption to your routine. A service fee applies as outlined in your plan’s terms, with a focus on efficiency and transparency.

While we strive to offer extensive coverage, some exclusions apply, such as cosmetic damage, improper maintenance, or pre-existing issues. Reviewing the exclusions in your Terms and Conditions helps ensure you fully understand your coverage and that our plan is the right fit for your home.

Selling your home? Transferring your protection plan to the new owner is easy. Just notify us within 30 days of the sale, and they’ll enjoy uninterrupted coverage—adding value to your home while giving them peace of mind.

Our protection plan is built on convenience and reliability. Using a data-driven approach, we provide fast, efficient claim processing and personalized coverage that adapts to your home’s needs. Choose a plan that works smarter to keep your home running smoothly.

Regular maintenance is key to getting the most from your protection plan. Take advantage of our online resources for home system care tips, and reach out to our customer service team for guidance. If an issue arises, don’t wait—report it right away. Your home’s well-being is our top priority.

The Toco at Home Protection Plan is supported by an “A-” rated insurance company. Northcoast Warranty Services, Inc. serves as the provider, with AssureSolv LLC as the administrator in all states except Florida, where Northcoast Warranty Services, Inc. also manages administration. Rest assured, you’re in good hands.

You can download the sample contracts for each plan right here: Silver Plan Sample Contract | Gold Plan Sample Contract | Platinum Plan Sample Contract