Help centre
Everything we would say on a call, written down.
Self-serve first. If you still want a person, our team answers questions — that is the whole job description. No commission, no closing script.
Fair pre-existing condition & maintenance rules
A pre-existing problem would generally be excluded when the homeowner knew about the failure before coverage began or it reasonably should have been apparent through ordinary visual inspection or normal operation.
We don't intend to deny an otherwise legitimate claim simply because a homeowner cannot produce years of maintenance receipts. Lack of maintenance should matter when it can reasonably be established that the omitted maintenance actually caused the failure.
What isn't covered
A home warranty is not homeowners insurance and does not cover everything. Important exclusions are expected to include:
- Known pre-existing failures
- Intentional damage, fraud or misuse
- Casualty losses such as fire or flood
- Earthquake and certain other external events
- Pests and structural settlement
- Mold or asbestos remediation
- Cosmetic-only defects
- Commercial use
- Unauthorized material modifications
- Secondary or consequential property damage
- Upgrades beyond comparable replacement functionality
Additional limits and exclusions will apply to particular systems, appliances and optional coverage and will be clearly disclosed in the applicable agreement before purchase.
Service you can hold us to
Our proposed service standards are designed around fast acknowledgment and contractor assignment, with priority handling for qualifying emergencies. If we cannot provide an appropriate contractor within the contractual service commitment, the agreement is intended to provide a process for using an authorized independent licensed contractor rather than leaving the homeowner waiting indefinitely.
Common questions
- What is residual cost, and why do you talk about it so much?
- Residual cost is the money you still owe after a covered claim is paid. It happens when a warranty caps its exposure far below what the repair actually costs. Our limits are set at real repair costs so the gap between what we pay and what the job costs is as small as we can make it — and we publish every number before you buy.
- What does 'limit reached' mean, and how is it different from a denial?
- Limit reached means the claim was covered and we paid up to your per-event or aggregate limit — you see the exact amount applied and what remains. Denied means the claim fell outside the contract; you get a plain reason and the contract section it comes from. We never use one word to mean the other.
- When do I pay the service fee?
- Your service fee — $75–$100 depending on your plan — is paid when a covered service visit is performed. It is never charged at signup and never charged for filing a claim.
- Do I have to wait before I can use my coverage?
- Not if there is no gap. Where your manufacturer's warranty ends on or before your contract start date, coverage is immediate. Where a gap exists, a 30-day eligibility period applies to the affected items, and we tell you that at checkout before you accept.
- I am buying a condo. What is mine and what is the association's?
- Your plan covers what a unit owner is responsible for inside the unit — your furnace or air handler, water heater, in-unit plumbing from the shutoff, and your appliances. Common elements the association maintains, such as the roof, shared risers and central equipment, are not covered by your plan.
- How do I cancel?
- From your portal, or by emailing us. Cancel within 30 days of your contract start date with no claim paid and you receive a full refund of amounts paid. After that, cancellation takes effect at the end of the current billing period with a pro-rata refund of the unused portion, less any claims paid.
How claims work, in full
File from your portal on your computer or phone: choose the item, tell us the date it first stopped working, describe what is happening, and attach photos — photos are required for major systems so a contractor arrives with the right parts, if possible.
We check the claim against the plan version stamped on your contract, not against a schedule that changed since you signed. If we need something else, the status reads "need more info" and we tell you exactly what.
A network contractor is assigned and books with you directly. You pay the $75–$100 service fee at the visit. If a repair exceeds your per-event limit, we apply the full limit and tell you the figure — that is "limit reached", and it is not a denial.
A claim filed on a major system in the first 15 to 30 days gets an extra review before a decision. It is not an accusation and it is never an automatic denial — no claim of ours is denied by a score.
If you disagree with a decision
The appeal path
- 1. Reply to the decision from your portal or email and say what you think we got wrong.
- 2. A claims lead who did not make the original decision reviews it — every fraud or material-misrepresentation denial requires two people by policy.
- 3. You receive a written outcome with the contract section it rests on, within five business days.
- 4. A denial is rare, and even rarer is that it is almost never the end. We will continues to leverage our knowledge, experience and local partners to help you find a solution that works.
Sample contract — version 2026.2
Read the whole thing before you pay anything.
1. What this contract is
This is a home service contract, not homeowner's insurance. Nobeus agrees to repair or replace the covered systems and appliances listed in your plan when they fail from normal wear, up to the limits in your limit schedule, for as long as you are current is current.
2. When coverage starts
Coverage begins on the contract start date shown on your acceptance record. If you reported no gap between a manufacturer's warranty and this contract, there is no waiting period. If a gap exists, a 30-day eligibility period applies to the affected items.
3. The service fee
You pay your plan's service fee ($75–$100 depending on plan) for each covered service visit, at the time of the visit. This fee is never charged for filing a claim.
3a. Our claims promise
If we approve covered work, we pay the full approved amount — subject to your disclosed service fee and coverage limits. No depreciation reductions, no "book value" reductions, and no arbitrary post-approval claim haircut. Approved repairs are also intended to carry a 365-day workmanship guarantee for the same repaired failure, without another service fee.
4. Limits
Each plan has per-event limits and an annual aggregate limit, published in full on the plans page and in your portal. Where a repair exceeds a limit, we pay the limit and tell you the amount applied. No plan covers everything, and no limit is unlimited.
- Core aggregate$14,000
- Plus aggregate$22,000
- Premier aggregate$30,000
5. What is not covered
Known pre-existing failures you told us about or should have known about, cosmetic damage that does not affect operation, items still covered by a manufacturer's warranty, permit and code-upgrade costs beyond the Premium allowance, and anything your condominium association is responsible for.
6. Cancellation and refunds
Cancel within 30 days of the contract start date with no claim paid: full refund of amounts paid. After that: pro-rata refund of the unused portion of the current period, less claims paid. We confirm the effective date and refund amount in writing.
Reach us
Nobeus Home Warranty
Service area: Texas and Arizona, in network-ready ZIP codes, with more states coming soon. Coverage is not offered outside authorized areas — if we cannot service a claim near you, we will not sell you a contract.
support@nobeushomewarranty.comServing homeowners across Texas and Arizona
Privacy notice
We collect the minimum, and use it for two things
We collect your name, contact details, property address and underwriting answers to decide whether we can cover your property and to dispatch a contractor when you file a claim. That is the whole purpose.
We do not sell your information, and we do not pass it to third parties for their own marketing. We share what a network contractor needs to reach you and complete a covered repair, and nothing more.
No Sales person will ever harass you. If you are shopping around you already know how many sales calls you have received. We do not pay commissions. That keeps our costs low and service high.
Terms of use
How this website relates to your contract
The plan descriptions, limits and rules on this site summarise the home service contract in plain language. Where a summary and the contract ever disagree, the contract governs — and we treat any disagreement as a mistake on our side to correct.
Coverage is offered only in authorized, network-ready areas of Texas and Arizona, with more states coming soon. Nothing on this site is an offer of coverage outside those areas, and no coverage exists until you accept the contract and your first payment clears.
Prices shown are current and always displayed with the service fee. Your monthly price will not change during your contract term without written notice.