Repair Credits: How the ProActive Credit System Works
ProActive Home Care™ deposits loyalty repair credits every 6 months and rewards bonus credits for healthy actions. Bonus-first deduction means promotional credits are spent before loyalty credits.
Published 2025-02-12 · Updated 2026-04-21 · 6 min read
Why do repair credits exist?
The economic problem in preventive home maintenance is the same problem dental insurance has — homeowners pay every month, then put off treatment because each visit still feels expensive. Repair credits remove that friction by pre-paying part of any future repair the moment the maintenance plan renews.
What are the credit amounts per plan?
| Plan | Monthly cost | Repair credit cadence | Annual credit value |
|---|---|---|---|
| Protect | $29/mo | $50 every 6 mo | $100/yr |
| Essential | $99/mo | $100 every 6 mo | $200/yr |
| Premium | $199/mo | $300 every 6 mo | $600/yr |
What are bonus credits and how do you earn them?
Bonus credits are added on top of loyalty credits for completing actions that materially improve the home's risk profile:
- Completing a scheduled inspection within window: +$15
- Resolving an urgent finding within 30 days: +$25
- Replacing equipment past expected life: +$50
- Onboarding a HomePassport™ for the first time: +$25
How does bonus-first deduction work?
When you apply credits to a repair, the system always deducts bonus credits before loyalty credits. Why: bonus credits expire after 12 months; loyalty credits don't. Always spending the perishable balance first prevents waste.
Can credits cover the entire repair?
Yes — if your combined balance exceeds the repair cost, credits cover the full amount and the work order is marked paid. If the balance is less, credits offset partially and you pay the remainder via card on file. There is no co-pay or surcharge for using credits.
What happens to credits when I cancel?
Unused credits are forfeited 30 days after cancellation. You receive an email reminder at the 14-day mark with any active repair recommendations you could apply credits to before forfeiture.
Frequently asked questions
Do repair credits roll over month to month?
Loyalty credits roll over for the life of the membership. Bonus credits expire 12 months after deposit.
Can I gift my repair credits?
No — credits are tied to your property address.
Are credits considered taxable income?
No. They function as a discount against repair charges, not as cash equivalents.