OP, I would suggest that you ask Tower Hill to send you a copy of the actual contract that describes the coverage. Apparently, Tower Hill does not want you to read it because it is not available online. I would pay special attention to the exclusions section. Note that, if something breaks down, it will be their option to repair or to replace the item, not your option. The coverage does not include normal wear and tear, which is a subjective determination, that the company will make, not you. I agree with other posters who said that it is a way for the company to increase profits at your expense. Also, submitting a claim under this add-on coverage could affect your overall insurance premium.
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