Question 1

Who is Oncourse Home Solutions?

Accepted Answer

Oncourse Home Solutions is one of the nation's leading providers of optional protection programs. Oncourse's programs provide peace of mind for customers by helping protect them from the costs associated with unexpected repairs. Plans are administered by American Water Resources, LLC. When you enroll with Oncourse Home Solutions, you may also see the name American Water Resources in some of our communications. It's all one team, working together to protect your home.

Question 2

What is my coverage limit?

Accepted Answer

Up to $2,700 for repairs or leaks to internal water supply and $2700 to repair clogs and blockages to internal drainage lines with In-Home Plumbing coverage. Up to $400 per occurrence and up to $2,000 annually per appliance for repair or replacement on your Refrigerator, Range or Wall Oven/Cooktop, Built in Microwave, Dishwasher and Garbage disposal. Up to $400 per occurrence and up to $2,000 annually for repair or replacement on your Clothes Washer and Clothes Dryer. Pre-existing conditions are not covered. Additional exclusions apply. Up to $7,500 per occurrence to repair, replace or clear blockages and breaks in outside sewer lines and for landscape restoration for covered sewer line repairs and up to $7,500 per occurrence for public sidewalk/driveway/road opening repairs related to covered outside sewer line repairs. Up to $7,500 per occurrence to repair or replace a leaking or broken outside water line and up to $7, 500 per occurrence for public sidewalk/driveway/road opening repairs and landscape restoration. Under the Outside Water and Sewer Line Protection coverage, if your home becomes uninhabitable due to a covered repair the plan includes up to $1,500 for reasonable hotel accommodations and up to $500 for boarding of house pets if authorized in advance. A $50 per occurrence service fee applies for interior plumbing and outside sewer line repairs.

Question 3

When does coverage begin?

Accepted Answer

Your enrollment begins the day Oncourse processes your enrollment, which is the enrollment date on your welcome letter. Your protection and ability to make a claim begin 30 days after the enrollment date. The first year of coverage includes a 30-day waiting period and 11 months of coverage.

Question 4

What will happen at the end of my term?

Accepted Answer

The Protection Program and price are for a 12-month term that will automatically renew each year for an additional one-year term. You can cancel at any time.

Question 5

How can I pay for the program?

Accepted Answer

You can sign up and pay monthly or annually with convenient options like checking or bank accounts (ACH), or credit cards (VISA and MasterCard). ACH is our preferred payment method because it is the most likely to help you maintain your coverage by reducing the likelihood of cancellation due to a failed payment attempt.

Question 6

How do I sign up?

Accepted Answer

Just complete the enrollment form online or call us at 855-800-5195.

Question 7

What specifically is covered by the program?

Accepted Answer

You can find detailed information outlined in the Terms & Conditions above under the What is Covered tab on this page.

Question 8

Doesn't my homeowners' insurance cover this?

Accepted Answer

Typically, standard homeowners' insurance policies do not cover these repairs to your home.

Question 9

How can I cancel my protection?

Accepted Answer

If you decide you no longer want to maintain your protection with us, you can call 855-800-5195 any time, day or night, and select the option to cancel your protection. When you are connected to one of our agents, tell them that you wish to cancel your protection. The agent will ask you some questions to verify your account information and will be able to assist you with the cancellation.

Question 10

Will I get any money back when I cancel my protection?

Accepted Answer

If you cancel your protection within the first 30 days after your new program enrollment was processed, you will be entitled to a full refund of all program fees you have paid. This refund will be issued within 30 days of cancellation. For all other customers: If you are paying monthly for your protection, your program cancellation will take effect at the end of your monthly billing cycle and you will not receive money back. Protection under your contract will continue through the end of your monthly billing cycle, regardless of when you cancel within the cycle. If you are paying annually for your protection, your program cancellation will take effect at the end of the current billing month within your annual term, and you will receive a refund for the remainder of your annual term. Your refund will be credited to the same payment method you used to make your annual payment.

Question 11

Can I still make a claim after I've cancelled my protection?

Accepted Answer

After your protection cancellation request is processed, the cancellation will take effect at the end of your current monthly Oncourse Home Solutions billing cycle. Until that date, your protection will remain active and you will be eligible to make a claim if needed.

Question 12

If I cancel my protection, can I get it back if I want to?

Accepted Answer

Yes. If you change your mind and want to re-enroll in protection, just let us know. Depending on your selected program(s), you may need to wait 30 days for your new protection to become effective, and pre-existing conditions are not covered.

Question 13

I received a request to renew by mail or email. What should I do?

Accepted Answer

If you do not have an automatic payment method on file, or if your account is not set to automatically renew, you may receive a notice requesting you to renew your coverage for another year. Please respond to your notice to renew your coverage. Not responding will result in your coverage being cancelled.

Question 14

Why did I receive a notification for a failed payment?

Accepted Answer

If you received a piece of mail, email, or postcard indicating you had a failed payment, it is because we were unable to successfully process your payment using the method we have on file. To avoid a lapse in your coverage, please contact us and set up another payment method.

Home Essentials Program

FAQs