WASHINGTON, D.C. - A little-known relief program called the "Homeowner Appliance Relief Program" (H.A.R.P.) is now providing qualified American families with up to $3,200 per year in appliance and system repair coverage, but experts estimate less than 2% of eligible homeowners even know it exists.
The catch? You must qualify under specific guidelines, and the program has limited availability.
Who Qualifies? If you're a working homeowner with multiple major appliances or home systems, you could be sitting on thousands of dollars in unclaimed protection right now, without even knowing it.
What Exactly Is the H.A.R.P. Program?
The Homeowner Appliance Relief Program was quietly launched in late 2024 to help protect families from unexpected repair bills, especially as inflation drives up the cost of parts and technician labor nationwide.
Here's how it works:
A consumer protection panel discovered that responsible homeowners were disproportionately shouldering the cost of emergency home repairs, while warranty providers pocketed the margins.
H.A.R.P. corrects this imbalance by offering direct relief and extended coverage to qualified families, including $50 off + 1 month free if you enroll in time.
Why Haven't You Heard About This?
Simple: Warranty companies don't want you to.
While legally required to offer H.A.R.P. savings to eligible homeowners, providers are not required to advertise it. In fact, many hide these discounts behind layers of fine print.
Some insiders claim agents are trained not to mention it unless the customer specifically asks.
Translation: They're hoping you never find out.
Am I Eligible for H.A.R.P. Relief?
Because the savings can be substantial, the H.A.R.P. program has strict requirements. You must meet ALL of the following criteria:
REQUIREMENT #1: Homeownership Status
You must own your primary residence. The program is not available to renters or landlords.
REQUIREMENT #2: Appliance/System Ownership
You must have at least 3 major appliances or systems (examples: HVAC, water heater, refrigerator, washer/dryer, oven).
REQUIREMENT #3: Employment Status
You (or your spouse) must be employed full-time. H.A.R.P. is designed to support working households, not retirees or unemployed individuals.
REQUIREMENT #4: Marital Status
You must be married. Studies show married couples are more proactive with home maintenance and file fewer claims.
REQUIREMENT #5: Recent Claims History
No active home warranty claims in the past 12 months. H.A.R.P. is preventive, not reactive.
If you meet all five requirements, you're eligible for H.A.R.P. relief.
The Financial Impact: What You Could Save
Based on homeowner data from the first year of the H.A.R.P. program, here's what families are saving:
Average Annual Savings by Home Type:
2–3 Bedroom Home
$1,422Average H.A.R.P. savings/year
Old avg: $2,791/yearNew avg: $1,369/year
4+ Bedroom Home
$2,763Average H.A.R.P. savings/year
Old avg: $4,983/yearNew avg: $2,220/year
Homes with 4+ systems/appliances
$3,217Average H.A.R.P. savings/year
Old avg: $6,083/yearNew avg: $2,866/year
These are real savings reported by homeowners who already enrolled in H.A.R.P.
How to Claim Your H.A.R.P. Benefits (Step-by-Step)
The process is simple, but must be done correctly:
STEP 1: Check Your Qualification Status
Click the big red button below and answer a few short questions. It takes about 60 seconds and asks about your home, employment, and appliances.
STEP 2: Compare H.A.R.P.-Eligible Providers
Not all companies participate in the H.A.R.P. program. You'll receive options from verified partners who do.
STEP 3: Activate Your Protection
If you're happy with your quote, activate the plan. Your $50 discount + 1 month free applies instantly.
Time required: 2–5 minutes
Potential protection value: $1,000–$3,200+
The 5-Minute H.A.R.P. Qualification Test
Answer these 5 questions honestly:
- Do you own your home? (Yes/No)
- Do you have 3+ major appliances or systems? (Yes/No)
- Are you employed full-time (you or your spouse)? (Yes/No)
- Are you married? (Yes/No)
- Have you avoided warranty claims in the past 12 months? (Yes/No)
✅ If you answered "YES" to all five: You're preliminarily qualified.
❌ If you answered "NO" to any: You're not eligible and should not proceed.
🚫 RED FLAGS: When NOT to Pursue H.A.R.P.
Do not apply if:
- You rent or own investment property
- You're single or divorced
- You're not working full-time
- You've made a home warranty claim in the past year
- You only have 1 or 2 appliances or systems
📌 Frequently Asked Questions (F.A.Q.)
Final Thoughts: The Cost of Inaction
You now know something 98% of American families don't:
A relief program exists that can protect your home, and save you hundreds to thousands of dollars in emergency repair costs each year.
But it won't last forever.
You have three options:
❌ Option 1: Do Nothing
Keep paying out of pocket for breakdowns and hope nothing fails.
❌ Option 2: Wait
Risk missing the window while the program quietly fills up or disappears.
✅ Option 3: Take 60 Seconds Now
Check your H.A.R.P. eligibility. If you qualify, you could be protected before your next bill hits.
The H.A.R.P. Program may be the most important homeowner protection plan in decades.
The question isn't whether you can afford it.
The question is, can you afford not to?
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