Coverage Rules

Coverage Rules

Coverage rules let you fine-tune which products qualify for protection plans, how pricing is calculated, and what conditions are excluded.

Rule Types

Product Eligibility Rules

Define which products can have plans attached:

{
  "rule": "product_eligibility",
  "conditions": [
    { "field": "price", "operator": "gte", "value": 29.99 },
    { "field": "category", "operator": "in", "value": ["electronics", "appliances"] },
    { "field": "brand", "operator": "not_in", "value": ["BrandX"] }
  ]
}

Tiered Pricing Rules

Set different rates based on product value:

Product Price	Protection Rate	Min Fee
$0 – $99	15%	$4.99
$100 – $499	12%	$12.99
$500 – $999	10%	$49.99
$1,000+	8%	$79.99

Exclusion Rules

Specify conditions where coverage does not apply:

• Pre-existing damage: damage documented before plan purchase
• Commercial use: products used outside normal consumer settings
• Unauthorized modifications: hardware or software tampering
• Cosmetic-only damage: scratches that don’t affect functionality

Testing Rules

Use the Rule Tester in your dashboard to simulate how rules apply to specific products. Enter a product SKU and the system shows which plans are eligible, the calculated price, and any exclusions that apply.