When life happens, we make it better™
Protect your home and your budget with a Smarter Living Plan

Our Home Service Plans provide repair, maintenance and replacement coverage when your furniture, appliances or home systems become damaged, malfunction or fail to perform.

Home Furnishings

When your furniture becomes stained or accidentally damaged, get worry-free cleaning, repair and replacement solutions.


When major appliances fail or malfunction avoid the cost of parts, labour and even replacement.

Home Systems

When your home-comfort systems don’t operate the way they should protect your budget from unexpected repairs or replacement costs.

What if…

Your failed furnace delivers nothing but arctic chills? Or your malfunctioning A/C has you beating the heat? When major appliances breakdown or accidental spills spoil your favourite chair?

This year, Canadians will spend more than $40B for unexpected repairs and costly replacement of their household furnishings, appliances and home systems.

That’s where we come in…

When life happens, we make it better.™

Protect your family’s budget with a Smarter Living Plan from ZucoraHome. We cover what home insurance doesn’t and what manufacturers warranties won’t.

Select the plan that’s right for your family and we’ll help cover the cost of parts, labour, repair and even product replacement.

By clicking ‘Get a Quote / Enroll Now’ you acknowledge leaving Hudson’s Bay Financial.com to visit a third-party website and agree to the Hudson’s Bay Company  Terms and Conditions and Privacy Policy.

How it works

Request Service.

Submit your Service
Request 24/7 online or by telephone.

We dispatch a Technician.

We’ll send a qualified Technician to repair your Covered Item. You only pay a nominal Trade Service Fee.

We pay the costs.

We will pay for parts and labour to repair or replace your Covered Item.

We cover stuff home insurance doesn’t.

A Smarter Living Plan isn’t insurance. It is a professional service plan that helps to cover the cost of repair and replacement when your home furnishings, appliances and home systems break, malfunction or wear out.

No product too old.

All covered products are eligible without prior inspection regardless of age. Covered Items must be in good working and stain-free condition prior to obtaining coverage.

Risk-Free for 30 Days.

Cancel your plan within 30 days of enrolment and receive a full refund – no questions asked. See Member Service Agreement for details

Cancel Anytime.

Smarter Living Plans are one-year agreements and can be canceled anytime. You only pay for costs of repairs or replacements if canceled prior to renewal date. Going away? Put your plan on “pause” for up to 3 months (nominal fee applies).

By clicking ‘Get a Quote / Enroll Now’ you acknowledge leaving Hudson’s Bay Financial.com to visit a third-party website and agree to the Hudson’s Bay Company  Terms and Conditions and Privacy Policy.

Enroll in One Plan 1,000
Enroll in any Two Plans 3,000
Enroll in all Three Plans 5,000


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Who is ZucoraHome?

ZucoraHome is Canada’s Smarter Living Company. With almost two million plan holders, ZucoraHome has been helping Canadians for more than 40 years by safeguarding their household budgets with product protection plans and Smarter Living repair and replacement home service programs.

Did you know?

To repair or replace unexpected damage to home furnishings, malfunctioning major appliances or failing home systems can cost hundreds and even thousands of dollars.

A Smarter Living plan offers an easy and affordable way to protect your family budget.

Latest Smarter Living Plan Articles

Prevent Frozen Pipes

Prevent Frozen Pipes

Many people travel during the holidays, and some homeowners might be tempted to turn off the furnace while away in an effort to save money. However, if the temperature drops and your home is unheated, there’s a good chance that pipes could freeze and burst — causing...

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Your Summer Home Maintenance: Checklist

Your Summer Home Maintenance: Checklist

It’s summer! Whether you’re ready or not, it’s here. If you don’t remember everything that needs to be done for the season, we’ve got this helpful home maintenance checklist. It covers everything you need to do on the inside and outside of your home. Get Ready for...

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¹Earn 1,000 Hudson’s Bay Rewards points when you enrol in any one individual Smarter Living Plan or 2,000 Hudson’s Bay Rewards points when you enrol in any two Smarter Living plans or 5,000 Hudson’s Bay Reward Points when you enroll in at least 3 Smarter Living Plans. Receive bonus Hudson’s Bay Rewards at the rate of 10 Hudson’s Bay Reward points for each dollar paid for Smarter Living Plan(s) subscription (beginning with second plan payment) and 500 Hudson’s Bay Rewards bonus points for annual renewal of one or more plans. (Maximum 500 Hudson’s Bay Rewards bonus points regardless of the number of plans renewed.) Rates and product details are effective July 1, 2022 and subject to change without notice. All Smarter Living plans are subject to the terms and conditions of the Member Service Plan Agreement. Smarter Living Plans for Hudson’s Bay customers is offered by Hudson Bay Financial Services and administered by Zucora Inc. Premiums can be paid using the Hbc Mastercard powered by NEO or any valid Canadian credit card.