Some households keep a home, a vehicle, or a major appliance in one place for part of the year and somewhere else for the rest. A contract that fits the main address may not fit the second one. This guide is for a household with that kind of split, and it asks one question first: where does the covered item sit, and for how long?
Where the item is kept
For a vehicle, note where it is registered and where it is usually driven and parked. For a home, note the address the contract names and the address where the item is actually located. For an appliance, note the room and the building. Write each location on the same page as the contract.
Which state's rules apply
Service contracts are regulated by the state where they are sold or where the covered item is located, depending on the statute and the program involved. Check the contract for a governing-law line and any state-specific notice. The state page for each state names the regulator and the statute it cites. The Arizona page at https://statecoverageindex.com/arizona.html is one example of how those pages are laid out.
Which repair network reaches each address
Ask whether the repairers in the network serve each address. Ask how far the repairer must travel, whether the contract limits service to a fixed area, and whether a repair away from the home state is covered or must wait until the item returns. Get those answers in writing.
How time away is treated
Ask how the contract handles a long absence. Some contracts restrict use or location, some require notice, and some are silent. A silent contract is one to ask about in writing, not one to assume.
What this guide does not cover
This guide does not restate the rules of every state and does not rate any state's rules. Where this edition has not read a given state's full statute or roster, the state page says so. Use the state page, the contract, and a written answer from the seller or administrator together, and treat any one of them alone as incomplete.