Everything Breaks vs Zurich

Everything Breaks is a Dallas, Texas-based vehicle service contract provider founded in 2014. They offer a range of protection plans designed to help drivers manage the cost of unexpected vehicle repairs after factory warranty coverage expires. Unlike many competitors that focus on long-term agreements, they are known for their renewable month-to-month coverage model, giving customers an alternative approach to vehicle protection. Their lineup includes five coverage levels, ranging from basic powertrain protection to exclusionary coverage that protects most mechanical and electrical components unless specifically excluded in the contract. Additional benefits may include roadside assistance, rental car reimbursement, trip interruption coverage, and access to licensed repair facilities. The provider also makes sample contracts publicly available, allowing prospective customers to review coverage terms, exclusions, and contract requirements before purchasing a plan. Everything Breaks is accredited by the Better Business Bureau and holds an A+ BBB rating. Customer feedback across platforms such as BBB, Trustpilot, and Yelp presents a mixed picture, with reviewers praising helpful customer service representatives while others report concerns related to claims handling, communication, billing, and cancellations. This combination of flexible coverage options, contract transparency, and varied customer experiences makes the provider worth a closer look before making a coverage decision.

Zurich North America offers vehicle service contracts backed by one of the world’s largest insurance organizations, with US auto-related coverage dating back to 1914. Their plans are issued and administered by Universal Underwriters Service Corporation in most states, with state-specific structures in Florida, California, and New York. Coverage is primarily sold through franchised and independent dealerships, though direct inquiry and select broker access may also be available. Zurich’s vehicle protection lineup includes three main tiers: Powertrain, Standard, and Comprehensive. The Comprehensive plan is exclusionary, covering most mechanical, electrical, and electronic components except listed exclusions. Zurich also offers a dedicated EV service contract, with the Comprehensive EVSC tier standing out for its high-voltage battery coverage. Eligible vehicles may qualify up to 15 years old and under 150,000 miles, and most dealership-purchased plans begin with no waiting period. Benefits include roadside assistance, rental reimbursement, trip interruption coverage, direct repair shop payment, and access to any ASE-certified repair facility. Zurich’s institutional strength, A+ BBB accreditation, and A++ AM Best rating add credibility, though pricing transparency, dealership markup, non-renewable contracts, and mixed claim-related feedback are important considerations.