A service contract is not a manufacturer warranty. Under the FTC's description it is a separate promise to perform or pay for repairs, and it costs extra. Before you buy, ask who backs it, whether it is insured, how claims are approved, and how cancellation works.
Helps you choose a plan, explains the terms in plain words and gets your coverage started.
Runs the contract: terms, claim approvals and payments to repair facilities. Plans differ by administrator.
The shop that does the work. Some plans let you choose; many need approval first.
Rules, regulators and refund terms vary by state. Your contract and your state's insurance department or attorney general tell you what applies where you live. Ask us for the contract in writing before you decide.
The FTC advises checking directly with your lender if you are told a service contract is required for financing. It also flags that cancellation can be hard after buying through a financed deal.