Got questions? We’ve got answers.

A contract that provides exclusionary coverage will list everything that’s NOT covered by the contract, while a contract that provides listed-parts coverage will list everything that IS covered by the contract.

Electronic high tech refers to the following components: suspension level control compressor; height sensor and limiter valve; pneumatic suspension pump, sensors and valves; spark control detonation sensors, anti-detonation sensors; ignition module; knock sensor; vehicle manufacturer installed combination entry system. Seals and gaskets are only covered when required in connection with the replacement of a covered part. This option is only available if your mileage falls.

The mandatory waiting period is in place to help assure us that your car is in working order before coverage takes effect. Toco plans do not cover pre-existing conditions (conditions that arise prior to contract purchase or during the waiting period).

The cost of a Toco vehicle service contract will depend on a number of factors, including the make, model, year and mileage of your car, as well as how many miles you drive each month.

We offer three plan tiers — Silver, Gold, and Platinum — so you can pick the level of coverage that fits your home and budget. Covered items can include appliances like refrigerators, washers, dryers, and dishwashers, as well as major home systems like heating, air conditioning, electrical, and plumbing. The Platinum plan is our most comprehensive option. You can compare plans at tocowarranty.com/athome/protection-plans.

No. There’s no inspection required to enroll. Your covered items are eligible regardless of their age. That said, if you did have a home inspection done within 30 days of signing up, we may be able to waive the waiting period — so hang onto that report!

Yes, there’s a 30-day waiting period after your plan starts before you can file a claim. This doesn’t apply when you renew — so as long as you keep your coverage going, you’re always protected.

Yes. When you enroll, you’ll choose between a $75 or $100 service fee (deductible) per covered item when you file a claim. A lower deductible means a slightly higher monthly rate, and vice versa — so you can pick the option that makes the most sense for your budget.

Filing a claim is pretty simple. You can do it online 24/7 through your account portal at toco.warrantysphere.com/login, or call (855) 298-8626. Customer service is available 9am–5pm EST on weekdays. Before you call, it helps to have a description of the problem and a few photos of the broken item ready — it speeds things up.

Yes! We want you to use someone you trust. You can choose your own licensed repair technician. Once your claim is provisionally approved, just schedule the repair, pay the technician, and submit the receipt for reimbursement.

Once you’ve received claim approval, you hire your technician and pay for the covered repair. Then you submit the technician’s invoice through your customer portal at toco.warrantysphere.com/login, and we’ll reimburse you promptly. Make sure the invoice includes all the details — it helps us process your reimbursement faster.

You can file as many claims as you need, up to the per-item coverage limits outlined in your plan. Just keep in mind that our total liability is capped at $15,000 in aggregate per 12-month term — so across all claims combined in a given year, that’s the maximum we’ll pay out.

A few things fall outside of what we cover, including pre-existing conditions, cosmetic damage (scratches, dents, etc.), damage caused by neglect or improper installation, commercial-grade equipment, and damage from natural disasters like floods or fires. Claims filed during the 30-day waiting period are also not eligible. For a full breakdown, check your service agreement or visit our What’s Not Covered page.

You can either pay in full upfront or choose monthly installments. If you go monthly, your card will be charged each month for the duration of your plan. Just make sure your payment info stays current — a lapsed payment can put your coverage on hold.

You can cancel anytime. If you cancel within the first 30 days and haven’t filed a claim, you’ll get a full refund. After that, you’ll receive a pro-rated refund based on the unused portion of your plan, minus any claims paid and a small administrative fee.

Absolutely. Your plan runs on a 12-month term and can be renewed each year. We’ll give you a heads up when it’s time. And good news — renewing means no waiting period to worry about.

Claims are handled by AssureSolv, our third-party service administrator. They’re a specialized warranty management company that handles everything from claim review to reimbursement. In Florida, claims are administered by Northcoast Warranty Services, Inc.

Homeowners insurance protects you from unexpected events — a tree falls on your roof, your home is burglarized, a pipe bursts and floods your living room. A home warranty covers the gradual breakdown of your systems and appliances over time due to normal use. They’re different products, and most homeowners benefit from having both.

No. To find out what your contract covers and what it doesn’t, review the Schedule of Coverages section and the Exclusions section of your contract. If you have any questions about what’s covered, call us at 1-855-298-8626, and a Customer Care Specialist will be happy to help answer your questions.

Seals and gaskets are only covered in conjunction with covered repairs. Leaking seals or gaskets aren’t covered by themselves. Seepage from seals and gaskets is considered normal wear and tear and isn’t covered under the Toco plans.

In general, only towing packages that are factory-installed or factory-authorized, such as 5th wheels or goosenecks, are eligible for coverage. See terms and conditions for any exclusions that may apply to towing packages.

A contract that provides exclusionary coverage will list everything that’s NOT covered by the contract, while a contract that provides listed-parts coverage will list everything that IS covered by the contract.

An aftermarket component is any vehicle part or accessory that’s installed after the initial sale of the vehicle. Check with Toco before installing any aftermarket components to make sure you don’t void your service contract.

Electronic high tech refers to the following components: suspension level control compressor; height sensor and limiter valve; pneumatic suspension pump, sensors and valves; spark control detonation sensors, anti-detonation sensors; ignition module; knock sensor; vehicle manufacturer installed combination entry system. Seals and gaskets are only covered when required in connection with the replacement of a covered part. This option is only available if your mileage falls below 150k miles at the time of submitted claim.

Our modern features package covers the following original factory installed components: park assist and components, backup camera, Bluetooth, blind spot sensors, trunk liftgate sensors, lane departure warnings, correctors (driver assistance features). This option is only available if your mileage falls below 150k miles at the time of submitted claim.

Pre-existing conditions are mechanical problem that happened before your Toco coverage took effect. These can include issues that occurred prior to purchase or during the waiting period. Toco plans don’t cover these types of repairs.

Our technology package covers the following original factory installed components: AM/FM radio/cassette/CD players (not to exceed $3000 repair/replacement cost), graphic equalizer, audio/video equipment, all touch screen and/or voice activated accessories including related display screens and heads up displays on windshields, electronic transmitting/receiving devices, global positioning systems, voice recognition systems. This option is only available if your mileage falls below 150k miles at the time of submitted claim.

Some vehicles are not eligible for Toco plans, including:

• Vehicles with salvage, rebuilt, or total loss titles;
• Gray market vehicles (manufactured outside the U.S. and imported unofficially);
• Vehicles with unverifiable mileage (also called TMU).

If you are unsure about your vehicle, give us a call and we will check it for you.

TMU means the vehicle's actual mileage cannot be reliably confirmed. This can happen if

• The odometer has been altered or replaced;
• The odometer stopped working;
• The title has been officially branded as TMU.

Because mileage plays a key role in determining coverage, TMU vehicles are not eligible for Toco plans.

If your odometer stops working, you will need to have it repaired as soon as possible. If the issue is not fixed and mileage cannot be verified, it could impact future claims. Keeping your odometer in working order helps ensure your coverage stays intact.

They can. Certain modifications may make a vehicle ineligible or limit coverage, including

• Suspension or frame modifications (like lift kits);
• Tire size changes beyond manufacturer recommendations;
• Engine or transmission performance upgrades;
• Unauthorized exhaust changes.

If you are considering modifications, it is best to check with us first so you know exactly how it may affect your coverage.

Standard plans don't automatically include rideshare or delivery use. However, a Rideshare Surcharge may be available for qualifying vehicles — but it must be added before you start driving for a rideshare service, listed on your Registration Page, and included in your plan. Reach out to us before you get started and we'll walk you through your options.

Some types of commercial use may be eligible with a Commercial Use surcharge, including

• Farming or ranching;
• Job-site or service work;
• Delivery of goods.

However, vehicles used for the following are not eligible:

• Rental, taxi, or limousine services
• Snow removal
• Towing or wrecker services
• Racing

If you are unsure where your use falls, we are happy to help clarify.

If your vehicle use changes — for example, you start rideshare or commercial work — you'll need to let us know. Not updating your usage could impact claims or your coverage. The fix is simple: just contact us and we'll help you add the appropriate coverage so you stay protected.

No. Vehicles that have ever been declared a total loss or carry salvage or rebuilt titles are not eligible for Toco coverage.

Accurate vehicle details are essential to your contract. If information like your VIN, mileage, or vehicle specs can't be verified — or is incorrect — it may affect claims. If you notice anything off, contact us right away and we'll help correct it.

A breakdown is the failure of a covered part under normal use, and not as a result of normal wear and tear or damage caused by a non-covered part. Damages resulting from a breakdown are covered, unless you’ve failed to perform recommended maintenance services.

The claims administrator is the company that handles your claim and pays the repair facility for work performed on your car. See the registration page of your vehicle service contract for full administrator details.

Consequential damage refers to damage that happens separately as a result of a failure of a covered or non-covered part, such as personal injury or property damage. Consequential damage to non-covered parts are excluded from coverage in Toco plans.

Your waiting period and plan expiration are measured in time from your contract purchase date. You can find your contract purchase date on the registration page of your vehicle service contract.

You can find your 10-digit customer contract number on the registration page of your vehicle service contract. Save time by having this number handy when contacting a representative.

Limits of liability refer to the maximum amount of money that the plan administrator will pay per repair visit, or pay in total over the course of the contract. See your vehicle service contract for specific limits.

Your deductible is the amount you’re required to pay for a covered breakdown. You can find your deductible on the registration page of your vehicle service contract. If a deductible isn’t noted on your registration/declarations page, your deductible is $100.

The exclusions section of your vehicle service contract is where you’ll find a list of parts and services that are not covered by your plan.

Toco coverage can be used at any state-licensed repair facility or mechanic.

Toco may issue a Certificate of Appreciation that allows customers to submit claims during the waiting period. For more information ask your sales agent to visit your customer portal.

A preferred repair facility is one that’s been selected and assigned by the administrator of Toco’s plans to provide quality service. In some cases, your deductible may be waived (or reduced) if you choose a preferred repair facility. Contact us for help finding a preferred repair facility in your area. Preferred repair facilities aren’t available in all areas.

Yes. In order for claims to be considered, you’ll need to follow the vehicle’s manufacturer’s recommended maintenance schedule, as well as keep a copy of all maintenance receipts. See your vehicle service contract for a full description of maintenance requirements. Failure to provide receipts may result in your claim being denied.

The schedule of coverages section of your vehicle service contract is where you’ll find a list of parts and services that are covered by your plan. Some plans include a schedule of coverages while others only reference a list of exclusions.

Subsequent damage is when a non-covered part is damaged by the failure of a covered part. Subsequent damage resulting from the breakdown of a covered part are covered by the Toco plans contract, except when you haven’t performed recommended maintenance.

A teardown is when a mechanic has to disassemble part of your vehicle in order to determine the cause and extent of a failure. If the failed part isn’t covered under your contract, you’ll be responsible for the cost of the teardown. See your contract for full inspection and teardown policy.

The geographical area in which Toco plans may be used. Toco plans only cover breakdowns that happen and repairs made within the United States of America and Canada.

The waiting period refers to the amount of time elapsed, and mileage driven, from the contract purchase date before coverage takes effect. All Toco plans have a mandatory waiting period.

Wear and tear refers to damage that happens as a result of normal use and aging, and not as a result of a breakdown. Toco vehicle service contracts don’t cover damage due to normal wear and tear.

When your car breaks down, just bring it to your favorite licensed mechanic or repair shop. After paying your deductible, the plan will pay the bill for listed covered repairs directly to the shop. Please note that the administrator may ask for maintenance receipts or to inspect the vehicle at the time of the claim.

Simply take your vehicle to your favorite licensed mechanic, repair shop or dealership, provide them with your customer contract number and ask them to call in the repair. If your contract begins with 911 call (800) 616-1215. If your contract begins with 111 call (800) 262-1386. If your contract begins with MB call (877) 647-9752. Once you’ve paid your deductible to Toco, the plan will pay the repair facility directly for any listed covered repairs. Please note that the administrator may ask for maintenance receipts or to inspect the vehicle at the time of the claim.

All Toco vehicle service contracts come with 24-hour roadside assistance. This includes towing up to 15 miles, battery jump start, flat tire changes, locksmith and fuel delivery. One service is available per 72-hour period. For the fuel-delivery service, the cost of the fuel is not covered.

As an added benefit, Toco vehicle service contract customers can also get a 5% cash back rebate on their hotel bill when booking a hotel through our partners. Original receipt must be mailed to provider in order to qualify for rebate. See terms and conditions for full discount details.

If you have a covered breakdown, our plan will pay or reimburse you for car rental (or other transportation) expenses up to $40 for every four labor hours required to complete the repair. Max of $200 for each repair visit. See terms and conditions for full details.

If you have a covered breakdown more than 100 miles from your home and your car needs to stay in the shop overnight, our plan will reimburse your hotel and restaurant expenses up to $100/day for a max of three days. Receipts for hotel and restaurant expenses are required.

Toco accepts Mastercard, Visa, American Express, and Discover credit or debit cards.

Your security code is the last three digits on the back of your card. If you’re using American Express, you’ll find the four-digit code on the front of your card above your card number.

The cost of a Toco vehicle service contract will depend on a number of factors, including the make, model, year, and mileage of your car, as well as how many miles you drive each month.

In order to provide you with an accurate quote and issue you a contract, we need your vehicle identification number (VIN) to verify the make and model of your vehicle, as well as additional information, such as whether it has four-wheel drive or a turbocharger.

Commercial use means that your vehicle is used for commercial purposes, including farming, ranching, rental, taxi, limousine or shuttle, rideshare (including Uber and Lyft), snow removal, towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency services, principally off-road use, or prearranged or organized racing or competitive driving. If you use your vehicle commercially, it can’t be covered by a Toco plan, unless you pay a surcharge.

This is the estimated monthly price of your plan based on the information you’ve provided so far. To view a final quote, please enter your VIN and vehicle mileage.

Exclusionary coverage (or an exclusionary policy) is one that lists everything that’s NOT covered by the policy. Any mechanical component that ISN’T listed in the Exclusions section of your contract or policy should be covered.

Listed-parts coverage, like the name implies, lists every part that IS covered under your policy. If a part isn’t listed specifically in your contract, it isn’t covered. Note that Toco plans with listed-parts coverage also include an exclusions section, which lists parts and services not covered by the plan.

A fifth wheel trailer hitch is a piece of towing equipment positioned in the bed of a pickup truck that allows it to carry a large trailer. In general, Toco can provide coverage for trucks with a factory-authorized or factory-installed fifth wheel hitch.

Similar to a fifth wheel trailer hitch, a gooseneck trailer hitch is a piece of towing equipment positioned in the bed of a pickup truck that allows it to carry a large trailer. The difference is that the gooseneck hitch uses a ball and coupler instead of a kingpin and pin receiver. In general, Toco provides coverage for trucks with a factory-authorized gooseneck trailer hitch.

A gray market vehicle is one that was manufactured outside the United States and imported through a channel other than the original manufacturer’s distributor. Unfortunately, Toco plans don’t cover gray market vehicles.

Your odometer is an instrument on the dashboard of your car that tracks how many miles your car has been driven. To be covered under a Toco plan, your odometer needs to be working properly and can’t have been altered in any way prior to buying your contract. If your odometer breaks while under contract, repairs must be made immediately.

A rebuilt title can be given to a car that has a salvage title if it’s been properly fixed and inspected to the satisfaction of the state agency that issued the original title. Unfortunately, Toco plans don’t cover cars with a rebuilt title.

A salvage title is given to a damaged vehicle when it is considered a total loss by an insurance company, meaning it will cost more to repair than the car is worth. Unfortunately, Toco plans don’t cover vehicles that have a salvage title or a similar total-loss title label, such as “flood” or “rebuilt.”

A car becomes a total loss when an insurance company declares that the cost to repair the vehicle exceeds the value of the car itself.

Heavy towing refers to the use of a fifth wheel or gooseneck trailer for towing purposes. If your towing package is factory-installed or authorized, there’s no surcharge for heavy towing.

The most common place to find your VIN is on the driver’s side dashboard near the windshield, although it can sometimes be found on a sticker on the inside of your door. Depending on your state, you may also be able to find it on your vehicle title, registration card or insurance documents.

With Toco, you don’t have to pay the total cost of your vehicle service contract upfront. You only pay a set portion of the total amount each month, and you can terminate the contract at any time. A cancellation fee may apply.

While a powertrain warranty can remain in effect for several years, it’s limited to coverage on critical components of your car, such as the engine and transmission. A vehicle service contract can help supplement this coverage.

Being vertically integrated means that we handle every part of the vehicle service contract process, from sales and claims handling to underwriting. By cutting out the middleman, we’re able to offer a great product at an affordable price.