Protect your home from unexpected repairs
Elevate your homeownership experience with the Encompass™ Home System Warranty Program.
Protection for your home’s systems
Owning a home brings immense joy, but unexpected repairs can be costly. The Encompass™ Home System Warranty Program gives you peace of mind, knowing your home’s systems and appliances are covered.
Receive one full year of protection, absolutely FREE!
With your new mortgage or a home equity line of credit, you’ll receive coverage of up to $10,000 annually for eligible home system repairs.
What’s included?
- Central heating and air conditioning
Coverage includes all electrical and mechanical parts, encompassing heating systems, fireplaces, and air conditioners. - Plumbing
Protection extends to blocked, leaking, broken water, gas, drain, vent, or waste pipes. Limitations may apply if the source of the problem is external to your home. - Electrical
All switches, circuits, breaker panels, and fuse boxes are covered. - Owned water heater and water softener
All parts, excluding rental units.
Sign up when you are ready to arrange or renew your mortgage
Download the program brochure.
Frequently asked questions about home warranty protection
Who is eligible for the complimentary coverage?
The complimentary benefit is available with most new FirstOntario Credit Union mortgages, including MeritLine Home Equity Lines of Credit. You may be eligible if you're renewing your mortgage and still need to receive the free protection period. Look for the enrollment clause in your mortgage commitment or renewal documents. You'll receive a warranty certificate detailing the program's benefits upon closing or renewing your mortgage.
What happens after the first year of complimentary coverage?
Following the initial year, a minimal program fee of only $19.99 monthly (plus applicable taxes) will seamlessly integrate into your mortgage payments. Encompass Home Service manages all services, and you can cancel your participation in the Encompass Home System Warranty Program at any time.
When can I start using the program’s services?
Your coverage will begin on your mortgage closing date if you have checked ‘Yes’ and signed the enrollment form.
Do I need to have my home inspected to qualify?
No. FirstOntario Credit Union members can participate in the program on a pre-approved basis. No inspection is required, although it is a requirement that all home systems are in working order at the time of mortgage closing.
Do I pay for the repair services myself and then get reimbursed?
No. You’ll pay only the $50 deductible.
What kinds of services are not included?
The program is designed to provide repair services for spontaneous breakdowns of your home’s systems. It does not include services for problems where the underlying cause is:
- Rust or corrosion;
- An external act, including natural and electrical events and/or anything caused by a person;
- Failure to perform routine maintenance as specified by the manufacturer;
- Improper installation, improper use, improper construction, alteration, modification, addition to or deletion from any home system or use in a manner other than as approved or recommended by the manufacturer;
- Inadequacy or lack of capacity of any item;
- Freezing or heating of the plumbing system;
- Structural defects, latent defects and/or asbestos, lead or the disposal of refrigerants, contaminants, or other hazardous materials;
- Any dishonest act;
- Violations of building codes or by-laws.
Please note the warranty program also doesn’t cover any consequential loss or damage or anything else already covered by your homeowner’s insurance policy. If you live in a condo, the warranty program does not cover loss or damage to or from other condo units, common areas, or any other loss or damage that is the responsibility of your condominium corporation.
How do I make a claim?
To make a claim under the Encompass Home System Warranty Program, you can call the Encompass 24-hour claim service at 1‑866‑217‑5993. For general inquiries regarding your coverage, you may email helpme@encompasshomeservice.com.
Start exploring your options today
Get advice on coverage and let us help you choose the mortgage or home equity line of credit that’s right for you.
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at 1‑800‑616‑8878
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