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Coverage Compared
Endurance vs Everything Breaks: what each one prints
Endurance and Everything Breaks side by side on every scored field, with the source under each cell and the rows that differ marked. No winner is named.
Facts read 2026-10-16
Leaving out name and address rows, the two sheets differ on 15 of 26 rows: Role, as the company describes itself; Lowest deductible printed; Deductible options printed; Price online without a phone call; Mileage limit at purchase; Accepts vehicles past 100,000 miles; Transferable to a new owner; Sold in CA, NY, WA, MA, FL; States excluded; Nevada roster; Obligor named; Backing insurer named; Founding year on its own site; Government actions, last five years; Rubric score.
| Field | Endurance | Everything Breaks |
|---|---|---|
| Role, as the company describes itselfEndurance: direct. Everything Breaks: seller. | directsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | sellersource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Legal entityEndurance: Endurance Warranty Services, LLC. Everything Breaks: EB Administrator, LLC. | Endurance Warranty Services, LLCsource: https://www.endurancewarranty.com/faq/ | EB Administrator, LLCsource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| HeadquartersEndurance: Northbrook, IL. Everything Breaks: Bedford, TX. | Northbrook, ILsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Bedford, TXsource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Money-back periodEndurance: 30 days. Everything Breaks: 30 days. | 30 dayssource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | 30 dayssource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Waiting periodEndurance: 30 days and 1,000 miles. Everything Breaks: 30 days and 1,000 miles. | 30 days and 1,000 milessource: https://www.endurancewarranty.com/faq/ | 30 days and 1,000 milessource: https://everythingbreaks.com/auto/plans/top-line/source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Lowest deductible printedEndurance: not published. Everything Breaks: $0. | not published | $0source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Deductible options printedEndurance: $100 standard if no deductible is stated on the application page. Everything Breaks: Disappearing deductible: $500 first 30 days, $400 days 31-60, $300 days 61-90, $100 to 24 months, then $0 if no prior paid claims. | $100 standard if no deductible is stated on the application pagesource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Disappearing deductible: $500 first 30 days, $400 days 31-60, $300 days 61-90, $100 to 24 months, then $0 if no prior paid claimssource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| $0 deductible optionEndurance: No (not found on the pages read). Everything Breaks: No (not found on the pages read). | No (not found on the pages read)source: not recorded in the provider file | No (not found on the pages read)source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Sample contract online, no contact details askedEndurance: Yes. Everything Breaks: Yes. | Yessource: https://www.endurancewarranty.com/sample-contracts/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Yessource: https://everythingbreaks.com/auto/plans/top-line/source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Price online without a phone callEndurance: Yes. Everything Breaks: No (not found on the pages read). | Yessource: https://buy.endurancewarranty.com/ | No (not found on the pages read)source: https://everythingbreaks.com/quote/ |
| Deductible and waiting period both printedEndurance: Yes. Everything Breaks: Yes. | Yessource: https://www.endurancewarranty.com/sample-contracts/ ; https://www.endurancewarranty.com/faq/ | Yessource: https://everythingbreaks.com/auto/plans/top-line/ |
| Vehicle age limit at purchaseEndurance: 20 model years. Everything Breaks: 20 model years. | 20 model yearssource: https://www.endurancewarranty.com/faq/ | 20 model yearssource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Mileage limit at purchaseEndurance: No mileage cap stated. Everything Breaks: not published. | No mileage cap statedsource: https://www.endurancewarranty.com/faq/ | not published |
| Accepts vehicles past 100,000 milesEndurance: Yes. Everything Breaks: not published. | Yessource: https://www.endurancewarranty.com/faq/ | not published |
| Transferable to a new ownerEndurance: Yes, fee: $50 ($40 in Florida per the state amendment). Everything Breaks: Yes, fee: $50. | Yes, fee: $50 ($40 in Florida per the state amendment)source: https://www.endurancewarranty.com/faq/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Yes, fee: $50source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Refund of unused share after coverage startsEndurance: Yes. Everything Breaks: Yes. | Yessource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Yessource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Sold in CA, NY, WA, MA, FLEndurance: CA yes; MA no. Everything Breaks: CA no; NY yes; WA yes; MA yes; FL yes. | CA yes; MA nosource: https://www.endurancewarranty.com/faq/ | CA no; NY yes; WA yes; MA yes; FL yessource: https://everythingbreaks.com/availability/ |
| States excludedEndurance: MA. Everything Breaks: CA, DC, HI, WV, WY. | MAsource: https://www.endurancewarranty.com/faq/ | CA, DC, HI, WV, WYsource: https://everythingbreaks.com/availability/ |
| Texas rosterEndurance: Listed. Everything Breaks: Listed. | Listedsource: https://data.texas.gov/resource/7358-krk7.json | Listedsource: https://data.texas.gov/resource/7358-krk7.json |
| Minnesota rosterEndurance: Listed. Everything Breaks: Listed. | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ |
| New York rosterEndurance: Listed. Everything Breaks: Listed. | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers |
| Nevada rosterEndurance: Selling name not found on the roster. Everything Breaks: Listed. | Selling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map | Listedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map |
| Legal entity printed on its siteEndurance: Yes. Everything Breaks: Yes. | Yessource: https://www.endurancewarranty.com/faq/ | Yessource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Obligor namedEndurance: Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida). Everything Breaks: Advance Core Capital Inc. (Advance Core Capital of Florida Inc. in FL). | Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida)source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Advance Core Capital Inc. (Advance Core Capital of Florida Inc. in FL)source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Backing insurer namedEndurance: Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Company. Everything Breaks: Continental Indemnity Company (most states); Lexington National Insurance Corp. (FL); Generali US Branch (LA, NY); Pennsylvania Insurance Company (ME, CA, CT); Illinois Insurance Company (AK). | Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Companysource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf ; https://www.endurancewarranty.com/faq/ | Continental Indemnity Company (most states); Lexington National Insurance Corp. (FL); Generali US Branch (LA, NY); Pennsylvania Insurance Company (ME, CA, CT); Illinois Insurance Company (AK)source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf |
| Founding year on its own siteEndurance: 2006. Everything Breaks: 2019. | 2006source: https://www.endurancewarranty.com/about-us/ | 2019source: https://everythingbreaks.com/about/ |
| Government actions, last five yearsEndurance: 1 on .gov pages. Everything Breaks: None found on .gov pages. | 1 on .gov pages
| None found on .gov pagessource: not recorded in the provider file |
| Rubric scoreEndurance: 87 of 100 (A 30, B 30, C 22, D 5). Everything Breaks: 85 of 100 (A 20, B 30, C 25, D 10). | 87 of 100 (A 30, B 30, C 22, D 5) | 85 of 100 (A 20, B 30, C 25, D 10) |
Full sheets: Endurance and Everything Breaks. Orange rows are rows where the printed values differ, or where one company prints a value and the other does not. Price, claims handling and service are not compared because no public source measures them evenly. How the score works.