U R right, almost like insurance

Exactly as you said, I try to use this as an insurance. Anyhow, there are several difference:

1) it covers all, everything, seems a combination of different kinds of insurances, from alliance though renovation of the house.

2) there is no minumin charge for each services, this is good for me.

3) but I will pay for all the materials and decide whether and how to fix them. Insurance will cover the materials also.

I think $100 is a little bit high too, I listed that because that's the number I can tolerate and still cheaper than buy insurance. And most time, for example, if I decide to replace the carpet with laminate, then I can ask my partner to do that which is good for both of us (increase our rental fee, for example). But I cannot ask insurance company to do that.

Beside I also bought home insurance for the accident. It might cover the loss in fire, and accident. But I also need contractor to do the job and get reimbursement from insurance company. Besides, I need change carpet, paint the wall, clean the house for new tenents.

Thanks again for your help.