Third-Party Administrator · Auto & Home Protection Programs Member Services (888) 837-1646 · Start a claim
National Auto & Home Service Co. Warranty & Service Contract Administration
National Auto & Home Service Co.

Breakdowns happen. We pay the shop.

When a covered breakdown hits — in the driveway or behind the walls — NAHSC verifies the coverage, authorizes the repair, and pays the facility directly. You pay the deductible on your declarations page. That’s the whole arrangement.

Shops paid directly on covered claims 24/7/365 roadside on auto plans 30-day full-refund window Four coverage levels, in writing

Get help in minutes

Real people who can see your contract.

What do you need today?

Vehicle breakdown

Auto claims — have your contract ID or VIN and the repair facility’s diagnosis ready.

Call (844) 700-6115

Home system or appliance

Home claims — tell us what failed and when; we dispatch a network contractor to diagnose.

Call (844) 700-2246
Stranded? Roadside, 24/7: (833) 600-3690
Not sure? Member Services: (888) 837-1646
Repair Cost Insights

Breakdowns happen. Will you be prepared?

Typical out-of-pocket invoices for common failures, parts and labor included. On a covered claim under an NAHSC-administered contract, your cost is the deductible on your declarations page — we pay the shop the rest, directly.

Engine
Critical powertrain
$7,000–$10,000 typical replacement
Covered from the Essential level up
Transmission
Critical powertrain
$4,000–$7,000 typical replacement
Covered from the Essential level up
A/C compressor
Climate system
$1,000–$1,600 typical repair
Covered from the Signature level up
Steering rack
Steering & suspension
$1,500–$3,000 typical repair
Covered from the Premium level up
Furnace / heat system
Home — major system
$3,000–$6,000 typical replacement
Home warranty programs
Water heater
Home — major system
$1,500–$3,000 typical replacement
Home warranty programs

Ranges are industry estimates for orientation; actual invoices vary by vehicle, home, and region. Coverage is determined solely by the applicable contract’s terms.

Coverage Solutions

Protection plans, level by level.

Vehicle service contracts administered by NAHSC are written at four coverage levels. Each level includes everything in the level below it — and every one is documented in a full sample contract you can read first.

Most Complete
Executive
Elite Protection

An exclusionary coverage contract — the broadest form of protection available. Everything on the vehicle is covered unless it is explicitly listed as excluded.

Sample deductible: $200
Premium
Advanced Protection

Near-comprehensive stated coverage: everything in Signature plus advanced electrical, steering, and suspension — the major systems, named in writing.

Sample deductible: $200
Signature
Expanded Coverage

Expands beyond powertrain basics to the systems you feel every day: cooling, base electrical, air conditioning, brakes, and fuel delivery.

Sample deductible: $200
Essential
Core Protection

Your vehicle’s most critical mechanical systems — engine, transmission, and drivetrain — including seals, gaskets, and turbocharger components where applicable.

Sample deductible: $500

Compare all four levels side by side

What Makes the Standard, the Standard

The coverage is why programs choose us.
This is why contract holders stay.

The claims, the terms, the people, the freedom — the parts you don’t think about until you need them.

01No reimbursement runaround

We pay the shop, not you.

When a repair is covered, we pay the repair facility or contractor directly on authorized work — so the money never has to leave your pocket in the first place.

  • Repair facilities and contractors paid directly on covered claims
  • Eligibility confirmed on the first call
  • Diagnostic fees covered on approved claims
  • You pay your deductible — not the invoice
We pay the repair facility, so you aren’t stuck with the bill.
02The terms you sign are the terms you keep

Terms that don’t move.

Your contract states its price, its term, and its coverage in writing on the declarations page — and that’s what governs, start to finish.

  • Fixed contract price and fixed term — no renewal-time surprises
  • A paid-in-full contract can’t be cancelled by the administrator for non-payment
  • 30-day full-refund window if no claim has been filed
  • Pro-rated refunds after that, spelled out with the formula in the contract
The declarations page governs — in plain writing.
03Speak to someone who can actually help

Real people on the phone.

When something breaks, you don’t want a maze. You call, a person who can see your contract answers, and if your question needs a specialist, you’re walked straight to the right one.

  • Live claims intake — eligibility confirmed while you’re on the line
  • Roadside assistance answered 24 hours a day, 365 days a year
  • Declined anything? It’s explained against the contract language, in writing on request
Call. A person answers. Your file is open in front of them.
04No networks. No restrictions

Take it to your shop.

Auto coverage isn’t tied to a list of “preferred” garages. Break down two states from home or in your own driveway — take the vehicle to any ASE-certified repair facility you choose, and we pay them directly.

  • Any ASE-certified repair facility in the country — your choice, not ours
  • The same coverage 2,000 miles from home as in your driveway
  • Towing, tire, lockout, and dead-battery service when you need them
  • Rental car or rideshare reimbursement on qualifying repairs
Your mechanic. Our authorization. Paid directly.

See how a claim actually works →

Multiple Brands, One Back Office

Administration for consumer protection brands.

NAHSC serves as the administrator of record for auto and home protection programs marketed under multiple consumer brands. Your customers keep your name on everything they see; we carry the operating weight behind it.

White-label service

Phones answered, letters issued, and claims handled in your brand’s name, to a documented standard.

Disciplined adjudication

Coverage decisions made from the contract language — consistent, documented, and auditable, claim after claim.

Networks that show up

Established repair facility and contractor relationships nationwide, with direct payment that keeps them answering our calls.

Talk to us about your program