warranties are for the insurance underwriters, not you.
the name implies, a protection warranty is your guarantee to the
underwriters that your property has the benefit of a particular
protective system - a fire sprinkler system, a burglar alarm, a
watchman or guard service, a smoke detection system, a data back-up
system, cargo vehicle locks, or some other risk-reducing feature.
your insurance is usually priced with a healthy premium reduction
in return for the warranty, policies will partially or entirely
void your insurance while the protection is discontinued without
prior underwriter approval. This can be disastrous if, for
example, you shut down fire sprinklers while you're in the middle
of remodeling or other repairs. If you've warranted a fire
sprinkler system & your property burns while it's shut down,
you get nothing.
warranties are legally very sound and enforceable. Your pleading
of ignorance won't work. Unfortunately, your property may be at
greatest risk while you're undergoing remodeling or other modifications
which make it more vulnerable. Never discontinue a protective system
or service without checking this.
should be read & agents asked about protection warranties.