Disclosure Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. The card on this page is advertising. Nothing on this page was scored or ordered for it.
Coverage Compared
Everything Breaks: the published terms, field by field
Every scored field for Everything Breaks as the company prints it, the page each fact was read on, and the score out of 100 with its arithmetic.
Facts read 2026-10-16
Company site: https://everythingbreaks.com/
The printed terms
Role, as the company describes itselfsellersource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Legal entityEB Administrator, LLCsource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
HeadquartersBedford, TXsource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Money-back period30 dayssource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Waiting period30 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 printed$0source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Deductible options printedDisappearing 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 optionNo (not found on the pages read)source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Sample contract online, no contact details askedYessource: https://everythingbreaks.com/auto/plans/top-line/source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Price online without a phone callNo (not found on the pages read)source: https://everythingbreaks.com/quote/
Deductible and waiting period both printedYessource: https://everythingbreaks.com/auto/plans/top-line/
Vehicle age limit at purchase20 model yearssource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Mileage limit at purchasenot published
Accepts vehicles past 100,000 milesnot published
Transferable to a new ownerYes, fee: $50source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Refund of unused share after coverage startsYessource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Sold in CA, NY, WA, MA, FLCA no; NY yes; WA yes; MA yes; FL yessource: https://everythingbreaks.com/availability/
States excludedCA, DC, HI, WV, WYsource: https://everythingbreaks.com/availability/
Texas rosterListedsource: https://data.texas.gov/resource/7358-krk7.json
Minnesota rosterListedsource: https://mn.gov/commerce/licensing/license-lookup/
New York rosterListedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers
Nevada rosterListedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map
Legal entity printed on its siteYessource: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Obligor namedAdvance Core Capital Inc. (Advance Core Capital of Florida Inc. in FL)source: https://everythingbreaks.com/plan-documents/auto-top-line-sample.pdf
Backing insurer namedContinental 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 site2019source: https://everythingbreaks.com/about/
Government actions, last five yearsNone found on .gov pagessource: not recorded in the provider file
The score
| Part | Field | Points |
|---|---|---|
| A | Sample contract online | 15 of 15 |
| A | Price online without a call | 0 of 10 |
| A | Deductible and waiting period printed | 5 of 5 |
| B | Money-back period | 12 of 12 |
| B | Waiting period | 8 of 8 |
| B | Transferable | 5 of 5 |
| B | $0 deductible option | 0 of 5 |
| B | Refund of unused share | 5 of 5 |
| C | State rosters (4 of 4) | 12 of 12 |
| C | Legal entity printed | 5 of 5 |
| C | Obligor named | 8 of 8 |
| D | Government actions, five years | 10 of 10 |
A transparency 20 + B terms 30 + C standing 25 + D record 10 = 85 of 100 85 / 20 = 4.2 of 5
Fields that are not published score zero. A roster "not found" means the selling name was not on that state's list; the company may be registered under another name. The full rules.