Protect your home and your budget.

Get a Free Quote
An Image of wave shaped for the banner.

When life happens, we make it better.

Smarter Living logo

What is Smarter Living?

Freedom from worry.

When home furnishings, major appliances or home systems break, malfunction or wear out, Smarter Living takes the stress away.

Let us help you Live Smarter

With a Smarter Living Plan, we’ll protect your budget and help cover the cost of repair or replacement when your stuff breaks, malfunctions or wears out.

Like all home service plans, our agreements have Plan Limitations

A woman talking on phone for a repair appointment.

Get the very best service.

Get service when you need it.


Request Service.

Submit your Service Request 24/7 online or by telephone.
Icon of a watch showcasing 24/7 service.


We Dispatch a Technician.

We’ll send a qualified Service Technician to repair your covered item. You only pay a nominal Trade Service Fee.
Icon of technicians.


We pay the costs.

We will pay for parts and labour to repair or replace your covered item.
Icon of tool box with tools.

Protect your budget.

Avoid those unpleasant surprises when covered items fail or wear out.

An icon of wine glass spilling.

$100 – $300

Stain Removal.

Example: wine stain on a sofa.

With Plan: Avoid the cost of stain removal on furniture.
An Icon of a watch for fast service.

$150 – $450

Accidental Damage.

Example: broken table leg.

With Plan: Avoid cost of repairing accidental damage.

$225 – $1,750


Example: failed clothes washer.

With Plan: Avoid cost of repairing or replacing major appliances.
An Icon of price tag.

$650 – $2,250


Example: heating repairs.

With Plan: Avoid cost of repairing or replacing HVAC home systems.
An image of couple going through their bill.
Image of father and daughter with a sales rep.

More Benefits.

Receive valuable benefits that makes Smarter Living very rewarding.

An icon of mouse and screen.

Personalized Plans.

Customize your plan to meet the needs of your family and your budget.
An Icon of a watch for fast service.

Priority Service.

Receive fast service when you need assistance.

Earn Rewards.

Every plan payment and every purchase earns valuable Smarter Living Reward Points.
An Icon of price tag.

Preferred Pricing.

Receive special Member pricing on Smarter Living Products.
Image of Chamber od Commerce.
Purple Star icon.
Purple Star icon.
Purple Star icon.
Purple Star icon.
Purple Star icon.

See why we earn so many 5 stars

ZucoraHome logo in colour.



Protection Plan Holders

For more than 40 years Canadians have relied on us to fix their stuff when it breaks.

We cover stuff home insurance doesn’t.

A Smarter Living Plan isn’t insurance. It is a professional service plan that helps to cover the cost of repair and replacement when your home furnishings, appliances and home systems break, malfunction or wear out.

No product too old.

All covered products are eligible without prior inspection regardless of age. Covered Items must be in good working and stain-free condition prior to obtaining coverage.

Try Risk-Free for 30 Days.

Cancel your plan within 30 days of enrolment and receive a full refund – no questions asked. See Member Service Agreement for details

Cancel Anytime.

Smarter Living Plans are one-year agreements and can be canceled anytime. You only pay for costs of repairs or replacements if canceled prior to renewal date. Going away? Put your plan on “pause” for up to 6 months (nominal fee applies).


Some of the most frequently asked questions are answered here.

For more than 40 years, ZucoraHome has been helping to create happy homes and healthy families. With almost 2 million plan holders, we maintain, repair and replace household covered items.

In Canada, the term “Home Warranty” often refers to a plan that is generally provided by home builders for new homes. A Home Warranty typically provides protection against defects in work and materials as well as major structural defects. To avoid confusion, the term “Home Service Plan” is used to describe a service agreement that covers major household products such as furniture, appliances and home systems.

A homeowner’s insurance policy generally provides coverage that repairs or rebuilds your home for unexpected events that cause damange such fire, smoke, a falling tree, or other events caused by weather such as lightning, wind, hail, fires or other natural disasters. Some policies also cover loss of personal property due to theft or vandalism. However, unlike a home service plan, a homeowner’s insurance policy does not cover everyday breakdowns or failure of your home furnishings, major appliances or essential home systems resulting from normal wear and tear. A Smarter Living Plan covers the cost of repair or replacement for most product failures.

A Smarter Living Plan from ZucoraHome offers a wide range of coverage for multiple items in your home should they become accidentally damaged or fail to function due to normal wear and tear. A few reasons why you should consider a Smarter Living Plan:

  1. Broad coverage. Plans are available for home furnishings, major appliances and home systems.
  2. Experience. For more than 40 years, ZucoraHome has been helping Canadian families protect their homes and their budgets.
  3. Service. We believe in finding solutions by using manufacturer-approved parts and qualified technicians to provide repair services fast.
  4. Replacement. If we can’t fix your covered item, we will work with you and our Retailer partners to find a suitable replacement.
While your Smarter Living Plan provides protection for Covered Items that are accidentally damaged or wear out from normal use, we do not cover any products that fail or breakdown due to neglect, misuse, abuse or where previously damaged or not functioning prior to your Agreement becoming effective. Non-mechanical parts, consumable items (e.g. batteries, light bulbs, etc.) that aren’t related to the primary function of a covered item are not included for coverage by the plan.

Requesting priority service from ZucoraHome is very easy:

  1. Contact us 24/7 by telephone at 1.866.667.6695 or submit your Service Request online at any time at
  2. We will review your Service Request and if required, we will arrange for a qualified technician to respond to your request at a time that is convenient for you. All you pay is a $75.00 Trade Service Fee and your Smarter Living Plan covers the cost of repair, parts and labour.
  3. Once your item has been repaired, we will follow up with you to ensure your satisfaction.
  4. If we deem it necessary to replace the covered item, we will arrange with you to find a suitable replacment.

Through our national network of qualified service technicians, we deliver professional, timely and expert service when you need a product repair.

Following review of your Service Request, one our professional service technicians will contact you to arrange a convenient time to visit and provide your product repair. In some cases, it may be necessary to obtain a replacement part which may require a return visit to complete the product repair.

To ensure our Smarter Living Members receive the highest quality service and professional repairs from qualified technicians, we are not able to approve or reimburse for work performed by an outside service technician or work performed without our authorization.