Cross Country Home Insurance
Cross Country is a home service warranty company that operates under a number of private labels and co-brands. They also package their services for other business, such as a "value-added" home assistance program (which is added to a product or service by a sponsoring client organization, at no additional cost to the consumer) or through membership packages, which can be customized to meet the needs of the sponsoring organization. These packages are marketed to developers and the operators of large multi-unit condominium structures, mortgage companies, insurance companies and credit card purveyors.
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Cross Country's consumer-oriented home warranty product is called TotalProtect. HomeServe is their 24 hour professional service referral plan, designed to provide round-the-clock referral and repair service. Covered appliances and systems include:
- Dishwasher
- Microwave Oven
- Garbage Disposal
- Trash Compactor
- Refrigerator
- Range/Cooktop
- Washer & Dryer
- Ceiling Fans
- Garage Door Openers
- Water Heater
- Central Air Conditioning
- Central Heating
- Ductwork
- Plumbing System
- Electrical System
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Cross Country also provides a discount appliance buying program and a national insurance property repair and restoration network. They also provide home warranties through real estate companies via their HMS subsidiary. Additional unrelated products include a similar warranty program for automobiles and a roadside assistance service. The company’s goal has been to enter the home warranty market with a number of home protection packages that can be marketed through various channels.
They have designed their products to work as attractive additions to mortgages, credit card offerings, and homes on the market. Some of their contracts are directed specifically at the multi-unit housing market; others are directed at single family homes. They work with over 250 corporate clients to provide private label services. They also market their string of services and products through direct marketing, private entrepreneurial services and internet sites. They have over 1,500 associates across North America.
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