Calculating Savings with a Home Warranty

HomeWarrantyReviews.com has, for many years now, been the only place online that homeowners could trust for free reviews and ratings of home service contract companies in the U.S.  That is changing, as companies like Yelp offer consumers reviews on a great diversity of different products and services, home warranty included.  In the past we did our best to help our readers with their decisions, making it possible for them to find ratings and reviews from real customers for a wide range of home warranty companies.  But we know that consumers today need more than just reviews.  Readers need to know that the products or services they’re considering are worthwhile and worth the expense.  That’s where our new calculator can help homeowners who are not yet certain they need a home warranty.

Home Warranty Saves You Money!

Use our free tools to calculate your savings at HomeWarrantyReviews.com

Before we start going into the details of how our calculator can help with the decision to buy or not buy a home warranty, let’s look at the home appliance maintenance calculator page for a moment.

The calculator is designed to give the user a fairly accurate estimate of two costs.  One is the cost of a home warranty, and the other is the cost of annual home repairs.  These are only estimates, of course, but they’re based on data that we believe is fairly close to what the average homeowner will incur in annual repair costs versus the average cost of a home warranty and its service call fees.  For a homeowner trying to decide what to do in advance of things around the house breaking, it’s extremely helpful to have a calculator like this.  That’s why we took the time to create it and share it with our readers.

Here’s how it works for the user:

There are three tabs present in the calculator, and each one helps with a different part of the decision a reader may be making about a home warranty purchase.  

The first tab calculates the estimated annual appliance maintenance cost.  It allows the user the option of customizing the cost settings or using the default settings, with regard to the age of the house, the age of certain parts of it which might be covered by the service contract, etc.  These defaults are often perfectly suited to a house, but when they’re not then the customization becomes important.  Changing the defaults to the exact specifications of the user’s own home will produce an even more refined result and give better insight into the estimated cost of a home warranty versus the estimated cost of average out of pocket repairs.

The second tab provides the estimated average home warranty cost.  It is broken down visually in a pie chart, so it’s easier for a reader to gather how much of the cost is service call fees, typically paid to the repair technicians, and how much is the premium paid to the company.

The third tab shows the estimated average home repair costs, the out of pocket costs a user might expect to pay out of his or her own pocket each year for unexpected problems around the house.  Side by side with this estimate is the home warranty cost from the second tab.  Again, there’s a helpful chart which makes it clear which estimated cost is greater.

In addition to the basic items covered on the list of things that influence the price of the home warranty on tab one, there are also appliances that a user can choose to add.  In addition to that, a user of the calculator may also choose to select a zero dollar service call fee on tab one, something that comes in handy when talking with companies that offer their customers this lucrative incentive to buy.

What about users of the calculator who know that their service is more than the $60 factored into these calculations?  That’s a pretty easy problem to fix.  Assume that a typical homeowner will file four service claims per year.  With that assumption, simply multiple the amount over $60 by 4 and add that to the home warranty cost in the second tab.  So, for a homeowner who has an estimated annual cost of $650 for a home service contract, including the service call fees (or deductibles) the math needed for a service call fee of $100 would look like this:

  1. $100-$60=$40
  2. $40×4=$160
  3. $650+$160=$810

By simply adding in the different amount you pay for service call fees a user can make this calculator’s results even more precise than before.  And customizations don’t need to stop there.  A homeowner who knows he or she has more or less than four service calls per year may make those adjustments as well.  The calculator does a lot of the work in estimating average savings with a home warranty.  But any precise detail a user can add in will help in making a more informed decision about whether to buy a home warranty or put money in savings to cover future repairs.

Readers who try out the calculator may want to read more about how much they might save with a home service contract.  To learn more about this, here on HomeWarrantyReviews.com, check out this helpful article about the things that affect a homeowner’s savings from a home warranty.  Combining the information from that article with results from the calculator can really help with what might otherwise be a tough choice.

And the help we can offer our readers does not end there.

Take a look at the comparison banner at the bottom of the calculator.  It’s visible under each tab.  By clicking on it, users can quickly begin to compare companies that provide home service contracts.  To do that, click on the banner, or just click here to compare the top ten home warranty companies.  To fine tune your results, just follow these steps.

  1. Click on the “Filter by State” box, and choose the state your house is located in.
  2. If you would like to compare companies then click the checkbox provided for each company you wish to compare.  As you click these boxes you should see the company logos appearing in a comparison box, with a button marked “Compare” beside those images.  Once you have all the companies you’re interested in selected, then you just click that button to start the comparison process.
  3. If you’d rather just get quotes from one or two companies then you can click on the “Get Quote” button next to the company or companies you’re interested in, or dial the toll-free number assigned to the company or companies that interest you.  There is never a good substitute for talking with a representative from these companies.  Only with their help can you be sure that you’re getting the best home service contract for your house and your budget.

HomeWarrantyReviews.com is proud to offer the home appliance maintenance calculator and the company comparison tools.  And of course, our main mission is to bring our readers first-hand experiences from other consumers who have bought home service contracts and filed claims with specific companies reviewed and rated here on our website.  We invite readers to take advantage of the tremendous amount of information here on our website and make the most informed decisions possible about their home warranty purchases!






Home appliance protection plans are getting popular these days among homeowners. Such home warranty plans cover appliance repair costs and help homeowners with maintenance and repair services.

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

Home warranty plan is a contract to insure the appliances in case of breakdowns to cover-up the repairs or replacement.

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

Home protection plan relieves you from unwanted stress and buys you peace of mind by providing the confidence that any repairs and replacement of your insured appliance will be taken care of by qualified service providers.

How does a home protection plan work?

In case any of your insured appliances break down, first step is to place a service request by simply calling up your insurance company. Once the request is confirmed the same is sent out to schedule an appointment. Only the service fee will be collected to determine the problem and sort-out the issue.

Are all the appliances in the house covered in the warranty plan?

Only the products listed in the insurance contract will be taken care of by the Home protection plan. Generally all major appliances  like refrigerator, washer/dryer, bathtub, plumbing systems, electrical systems, ceiling fans, water heaters and garage door opener are covered in the insurance plan. If it is determined that your insured item cannot be repaired by a service contractor, then it will surely be replaced.

Before deciding on home warranty plans and policies:

There are lots of home protection plans available in the market today. But it is not really hard to find which plan suits your requirements best, besides you just need to do some basic groundwork before deciding-

  • First you need to find out what your entire plan should cover
  • How much do you prefer to invest on the warranty plan?
  • Find a suitable home warranty company that offers the kind of plan you are looking for at a particular price to invest on.
  • Go through the policy booklet and fine print of the company contracts
  • Do check whether the policy has any pre-existing condition exclusions and if so what those conditions are
  • Does the company add up any additional fee on repair or service charges?
  • Will the appliance be replaced or repaired? Will they replace items with new or used items?
  • Check company’s response time obligations. Generally it is within 24 to 48 hours for non-emergency repairs.

These are all the questions that you need to find the answers to before purchasing a home warranty policy.  Some company policies cover only certain appliances while few are expensive. You need to be clear on all these issues.

Once you are certain about which plan suits your needs, compare the policy premiums and ensure the coverage plan. Finally, make sure the home warranty  company is available 24 hours a day, 7 days a week, including weekends and holidays, so they are there when you need assistance. You can find such companies in our home warranty company directory. A home warranty company should have a toll-free number so it doesn’t cost money to call. Ensure that the customer support is available on easy track so that it helps in fast communication and service. Sign up with a company that has all the above mentioned facilities.

Planning to buy a Home Warranty policy? Watch this video –

 




Extended warranty sometimes also called as a maintenance or service agreement, is a prolonged warranty given to customers who wish to insure their fairly new devices. They are not always provided by the manufacturer and are usually procured along with or as and when the manufacturer’s warranty expires.

Such extended service agreements are often purchased for gadgets and appliances that don’t come under Home warranty. Eg. laptops, TV, desktop computers. They can be purchased over an existing manufacturer’s warranty so that damages due to accidents are also covered.  They cover repairs and replacements of the insured device for a fixed period of time, which is usually around 2-3 years.

Do I need extended warranty?

If you are wondering whether you need an extended appliance protection plans or not, consider this –

You have a reasonably new device which cost you a lot. It is still covered by it’s manufacturer’s warranty but you are not certain if that will be enough. You fear that accidental damages may occur and you cannot afford to repair or replace the device if it happens. If this is what is going through your head, we recommend that you purchase an extended warranty.

There are quite a few advantages that make you want to consider buying an extended appliance protection plans. Here are a few of them:

  • Extended warranty agrees to repair or replace your appliances if it breaks down after the manufacturer’s warranty expires.
  • They cover most of the electrical and mechanical damages.
  • You may never have to claim anything on your manufacturer’s warranty as the chances of a device failing in the first 12 months of it’s life are low.
  • They are easy to acquire and they give you peace of mind.
  • Almost all major appliances can be covered with an extended warranty.

Although, the advantages may seem great, some experts have the opinion that extended warranty is a waste of money. This is because a decent appliance/gadget manufactured by a reputable company stands very little chance to fail in the first 2 years. It has been noted that retailers make huge profits from extended protection plans as very few consumers claim them.

Also, when it comes to electronic gadgets, it sometimes makes more sense in replacing it with a new one rather than repairing the damaged one. These days you can get a DVD player for around $30, so why then would you spend $20 repairing your damaged DVD player?

Technology is advancing at a very fast pace, unless your device is precious and expensive, we suggest that you think twice and explore a few options before you purchase extended warranty.

You may want to look at the repair rates of the various gadgets in the first 3 years of their lives and then decide if you need to go for an extended protection plan. However, the same cannot be said of Home Warranty, which is always recommended for most homes.

If you feel you don’t need an extended warranty as your appliances are 4+ years old, the best option for you would be a Home Warranty. Find out more about Home Warranty and Home Warranty Companies!

Buying Extended WarrantySource: CBS News

Extended Warranty vs. Home Warranty

extended warranty vs home warranty

Things to keep in mind

While you consider purchasing an extended warranty, ensure that you contemplate on all the points that follow.

  • Contract Terms and Conditions

Make sure that you know how the plan works. Read through the terms and conditions mentioned in both the contract as well as the policy booklet. Understand what damages are covered and what damages are omitted.

  • Term of coverage

All extended warranties do not have the same duration of coverage. The term can vary anywhere between 6 months to 3 years. Be clear on this.

  • Extra charges

Beware of this one. In certain cases you will have to ship your damaged gadget to some other location. If this happens you will have to pay the shipping charges. Not only this, there could be several cases where you will have to spend extra money in addition to the amount you pay for availing the warranty. You can speak to the retailer to clear any doubts you have regarding this.

  • Comparison shopping

A lot of warranty companies are out there that sell extended warranty. Sometimes  it makes sense to consider a few options before you jump into a decision and purchase extended warranty from the retailer. Some companies offer plans that cover a group of devices instead of a single device. These may be much more profitable that purchasing one warranty for a single gadget.

  • Credit card benefits

Before you purchase an extended warranty, check with the bank issuing your credit card to know if you are automatically entitled to an extended warranty if you make a purchase with the card. In certain cases, platinum and gold cards offer this feature to customers.

Getting an extended warranty is not a bad idea. However we urge you to go through everything carefully before you purchase an extended warranty from the retailer. Extended warranties, like we said are only for a single appliance/gadget. While they are not pricey as such, sometimes, for homeowners with ageing appliances find Home Warranty plans more ideal. They are affordable and cover a host of appliances and not just a single one. If you think, an appliance warranty plan is what you need, take a look at the top 10 home warranty companies in the U.S.A. Good luck!




Small is beautiful! And practical, and trouble-free, too! Many of us live in a small home, a small room, or just a small space. Some people live in a small apartment or home as they just don’t want a large home and want to “downsize”. Try this 7 wonderful space saving ideas to make a small home look bigger.

Make a Small Home Look Bigger

No matter what your cause for living in a small space, you will certainly have to make some adjustments in your decorating, get really structured, and make some compromises to your standard of living so as to make everything fit and not feel overcrowded. Home improvement need not be an expensive project

Many of us have extra necessary stuff than we could put up in our apartment and at the same time to save adequate space for pleasant living. Small houses often have insufficient amount of storage space available. This makes a problem when it comes to removing clutter since items that need a cabinet, drawer or other storage end up sitting out in the room. Obviously small houses have less space but it is possible to get rid of shrinking effect of mess with some approaches to make more space. That’s why here come some interesting solutions that could be convenient for small rooms.

Home Improvement: Clever Tips to Fool the Eye

The main idea of this article is to let you know about the clever use of all the available spaces, while making sure that your home looks spectacular.

1. Lighting Tricks
Any room will seem larger if it’s well lit, either by artificial lighting or natural light. Get rid of table and floor lamps as it can occupy the extra space you have. If possible try to make use of track lighting as an alternative. However, closets are one place where you must include lighting. That way, making a room look larger, will free up an unexpected amount of space.

2. Shelving
Shelving can be helpful. Bookshelves may be too heavy and that is why the free flowing shelves must be opted for. These shelves can be eye-catching (“invisible shelves” made of glass) and can hold knick-knacks, figurines, books and pretty much other things also.

3. Create Flexible Rooms
You should learn to use every inch of space you have. Your living room can double as an entertainment area and a family room, provided you make good use of a wall unit.  Your stereo, television and video games can go into the unit, thereby leaving lot of room for seating. In addition, you can also find way to merge your dining room and kitchen in an appealing and economic way.

4. Space Saving Kitchens
The kitchens in the apartments are generally smaller than houses which make it difficult to deal with. The worst part is that once you cook, there are dishes and figuring out how to find space and time to wash them can become a huge task. Downsizing in the kitchen can be useful, particularly when you are trying to share space with a dining room. For example, you can set up a cozy, small bistro area instead of an actual dining room. If you can follow downsizing to a mini- fridge then can be helpful. You can even hang a plastic shoe holder in which smaller boxes and cans can easily be stored.

5. Use Space Saving Furniture with Storage
The kind of furniture you use to equip your apartment matters as well. They can be not only functional but must also look very stylish and modern. For example, you might have an armoire which is large piece of furniture and also versatile. Besides, having ample of room for storage, it can also go almost anywhere in your home. Furniture such as an ottoman that can double as something else and has a storage unit in the middle is also a good idea.

6. Cheat Your Storage Space
The most difficult thing to do in most of the apartments is to find space for storage. You just require cheating with what you have. Along with utilizing the closet space, you can store some things under your couch, chairs or bed. Moreover, you can also allot bureau drawers as storage spaces.

7. Cutting Clutter
Still, there are some items for which you might not be able to make room in a small house. In case you have not used them in a year or cannot store, cut ties. That’s in fact a hard rule for eliminating things when your space is limited. By downsizing the unnecessary and erroneous items in your life, you will be astonished at how much room is left over!

No Need To Be a Slave To Space!

Thankfully, there are many ways to save space in even the smallest houses, homes or apartments. These clever and easy ways help in both saving space and making use of storage options you may not recognize you had. Expectantly, now you have some renovating ideas that will aid you take the necessary steps to make your cozy apartment a spacious home.




What’s it like right now out there for home sellers?  Well, for one thing, despite the wild gyrations of the stock market over the last several months, houses are still being sold.  Not only are houses selling but many regions are showing signs of solid home value increases as inventory hits a bottleneck.  This is the good news.  The not-so-good news is that parts of the western U.S. are not enjoying the rising sales prices.  As homes in those parts of the country stay on the market longer, sellers find themselves in competition with other home sellers.  And that leads to knocking prices down or making other costly concessions to close a sale.  If that sounds like your situation then what can you do?  What can any seller do when a house doesn’t sell as quickly as desired?  The answer to that question is many things.  But one thing in particular is relatively inexpensive and easy to accomplish.  That one thing is buying a home warranty.

Home Warranty

Home warranties have not exactly been praised in recent years, so it might seem unlikely that anybody will see these contracts as a big plus.  But that’s a widely adopted misconception and one that deserves some closer inspection.

I asked the founder of the home warranty industry, American Home Shield, to help me understand why their customers involved in real estate sales are choosing to cover their listing periods and buyers’ first years of ownership with a seller provided home service contracts.

Lisa Rice, National Vice President, Real Estate Sales at American Home Shield answered the call for information with some details that real estate professionals and home sellers may want to consider when deciding whether or not to buy a home service contract.

What types of home warranties are available to home sellers right now?

American Home Shield offers different levels of coverage for homeowners in any number of situations. Sellers can offer any of our AHS packages to the buyer at closing – Shield Essential, Shield Plus or Shield Complete.  Shield Essential, for instance, provides comprehensive coverage to a seller on their “essential” systems that could fail during the listing period.  Further, a seller’s portion of coverage is paid at “closing” – so there is no up-front out-of-pocket expense to the seller.

What is the average cost of these contracts?

Our prices vary based on the part of the country you are in, but in some parts of the country, you can get our basic Shield Essential plan for less than $2 a day. The Shield Essential plans cover major appliances and home system components.

Do these contracts typically help homes to sell faster?  If so then can you cite any statistics?

According to a 2013 real estate study conducted by NRT, we found that homes with an AHS Home Protection Plan sold an average of about 11 days faster and about $2,300 more than those without a home warranty — that’s over three times the average price of the plan itself.  Also, in many states where multiple offer situations are a reality, buyers might choose to provide sellers coverage during the contract escrow period to make their purchase offer more attractive. This is a tremendous benefit for the seller.

Can you say what percentage of these contracts result in paid claims?

An American Home Shield customer uses their plan an average of two times per year. We accept and pay more service requests than any other home warranty company in the nation. In the past three years, we have serviced about 93 percent of claims. That’s added up to $1.7 billion over the last 5 years and $3 billion in the last ten years.

Lisa’s feedback helped greatly.  Even as someone working on the marketing side of the home service contract industry I still need to understand why the industry keeps growing its customer base, despite so many consumer advocates and other critics lambasting home warranties as a waste of cash.  But there were still questions that I have seen and heard from homeowners not familiar with the home warranty.  And a few of those are important to air out, in my opinion.

Isn’t home warranty something that overlaps with homeowner’s insurance?

Absolutely not.  But this is still a good point to address.  It’s a common misconception among a large percentage of homeowners in the U.S.  Truth is, your homeowner’s insurance mostly covers the unforeseeable things that happen TO your house.  Home warranty covers the things that happen in your house that is expected, even guaranteed to eventually occur.  Your insurance is a wager of sorts between you and the company issuing the coverage, their bet being that you’ll pay a lot more in than you ever get out in claims.  Home warranty pays for things that are much, much more likely to happen to almost any coverage purchaser, things like dishwashers wearing out and refrigerators needing replacement.  This is where the common complaints about home warranty are most easily linked to the nature of the service promised to customers.  Homeowner’s insurance is typically far more expensive to maintain per year than a home warranty would be for the same house.  Why?  Well, the main reason seems to be the price that customers are willing to pay.  People just don’t want to spend as much on home warranties, it would seem, as they do their insurance.  But by looking for the absolute cheapest home warranty you are practically inviting problems down the road.  Like insurance, the home warranty can’t operate profitably for the company unless more money comes in premiums than goes out in claims.  Homeowners would do well to keep in mind both the differences between homeowner’s insurance and home warranty and the dynamic at work inside the companies.  Sometimes you really do get what you pay for!

How can I find the top home warranty companies?

This one is easy.  HomeWarrantyReviews.com is the best place to narrow down the options that a homeowner has for home warranty coverage, no question about it.  You won’t find a website that has been around longer than this one, when it comes to providing unbiased consumer feedback about home warranty companies.

How do I know if I’m the right customer for a home warranty?

This is the best and first question a homeowner can ask, in my opinion, when considering a home warranty.

Do you need one?  Do you not need one?  Is it better to put money in savings or have a credit card with a good sized credit line on standby for emergencies?  Is it better to buy the home warranty?

Answering these questions can be as arbitrary as a coin toss for some people, simply due to all the uncertainty involved.  Though a newer appliance is less likely to break and may be covered under a manufacturer’s warranty, there is also the matter of how time consuming finding a qualified, reputable contractor can be.  And if you’re an investor with multiple rental properties, that time you spend calling around to find a good contractor may be greatly multiplied.

To help you with this decision, I would suggest you read this article here on HomeWarrantyReviews.com, with helpful tips about deciding whether a home warranty is something you need or not.

Author Bio

Kevin Wallach writes about the home service contract industry and works in a marketing capacity within the home warranty industry.  He has followed the industry for five years and has worked just as long to help bring customers and companies together through Internet marketing.  He also is the administrator of the Home Warranty and Service Contract industry group on Linkedin.

 




Hardwood floors look remarkably stunning and add luxury appeal to your home. Brazilian Cherry, Exotic Acacia, Maple, Classic Oak are popular but you have  a wide variety to choose from. They compliment any kind of decor and keep your home warm in the winter.

Although stone and tile floors are significantly sterile and easy to maintain, they do not have the same warmth and feel as timber floors. Homes with wood flooring never go out of demand and sell faster comparatively.

You have a wide variety to choose from and some eco friendly options as these trees grow back faster.

Types of Flooring

Hardwood Flooring Maintenance
Types of flooring currently available in the market:

Engineered Wood Flooring

This is manufactured using three to nine layers of different wood veneers. Top layer consists of high quality wood and sub layers can be of same or different class.

These floors expand and contract less than solid wood flooring during changes in humidity and temperature, but cannot be sanded and polished as many times compared to the solid wood flooring.

Solid Wood flooring

These are thick and are composed of solid wood from top to bottom. The benefits of this kind of flooring is that it can be easily installed on any kind of surface and can be sanded and refinished umpteen times. Solid wood floors cost you little more than the engineered counterparts. Engineered floors are easy to maintain compared to solid wood floors.

So you have wooden floor? Or planning to get?  Wondering what it takes to clean and maintain them here is a piece of advice to help you.

Cleaning

cleaning floor Cleaning your floor is important and it depends on the environment of your home. If you have kids and pets at home then you need to clean it more often to prevent scratches. Use a vacuum cleaner without a beater bar.

Water is an enemy of hard wood floors. Never put water directly on the floor instead use a damp mop if it is recommended by the professionals who installed your flooring or by the experts at the local hardware store.

Wipe away liquid spills immediately, else they penetrate and damage the flooring.

6 Quick Maintenance Tips

Well maintained flooring can give you comfort and last for decades. Here are some maintenance tips.

  • To minimize the dust and dirt at home, place floor mats at entrance.
  • Never use steam on wooden floors as it can lead to cupping.
  • Fix furniture pads under the legs of tables and chairs to avoid scratches. These pads can be found at any hardware store.
  • Heavy shoes and heels can create dents on the floor. You can leave the footwear outside and use light footwear at home.
  • If you have pets then clean up pet mess immediately and dry the area really good. Keep their food dishes on a mat and keep their nails trimmed.
  • In kitchens and bathrooms where sinks, refrigerators, dishwashers and other water based appliances are located, it is helpful to place area rugs in front of such appliances to prevent water from getting into your floor.

How to repair scratches?

Scratches ,wear and tear in hardwood flooring is a common occurrence. You tried your best to protect your flooring but somehow it did not work, worry not. Here are some quick fixes for those scratches.

Camouflage scratches

To hide minor scratches in wood floors rub wax sticks or markers which suit your floor color, these are great scratch busters because they include stain and urethane, which protects the floor’s finish.

How To Make Homemade Polish?

Mix equal parts olive oil and vinegar, which work together to remove dirt, moisturize, and shine wood. Pour a little directly onto the scratch. Let the polish soak in for 24 hours, and then wipe off. Repeat until the scratch disappears.

Fix The Gaps In Floor

Do you see gaps in between your flooring ? Its a common phenomenon. You can fill the gaps with colored wood putty or if you have some leftover planks, rip a narrow band and glue it into the gap.

If your floors are aged and have undergone wear and tear beyond repair then it’s time to consider replacing them. Well maintained floors can last longer and save you the cost of replacement. Therefore you have a reason to maintain your wooden floors to make them look new. Since home warranty does not cover your flooring, you might want to take extra care. Click here for a list of appliances which are covered in home warranty.




Next to the so important health insurance each individual should have, there stands as second in line the home insurance. For homeowners, the home insurance is a specifically well tailored preventive measure any damages should happen to their property. The most important fact before you settle for one certain type of home insurance policy, is to ask yourself which kind of insurance do you actually need.

Home insurance

For example, if you live in a high risk area where floods happen quite often, then you should take an extra option for flood insurance. Certainly because your property lies in a high risk area, the flood insurance for your home is an extra option, it will not be included in the policy, and it will cost more. It is you, who should decide whether you need it or not. Bear in mind that it is not only the physical property which needs protection, but also your personal belongings (i.e. jewelry), and don’t forget about personal liability issues. Find the quickest way to get insurance quotes compared online.

The market offers you plenty of choices, and that is why it is so hard to make a choice. Settle your priorities first, see how much you can afford to pay for the insurance premiums and which are those aspects which definitely need insurance coverage. You have to watch out for the advertisements which offer too high discounts, but little or not effective coverage for you. The points where you can save when buying a home insurance is basically if you apply for one online (can bring you up to 15% savings), there are also certain new buyer discounts, plus if you make no claims for a number of years since you have the insurance, that could lower the price of your insurance with as much as 50% in some cases.

Some of the main coverage factors within a home insurance policy should contain:

  • Buildings cover
  • Contents cover / Contents lost or even damaged when moving
  • Theft from garages
  • Lost/damaged business equipment
  • Alternative accommodation for the insured when needed
  • Food in the freezer / money in the house

Certainly the amounts to which the above mentioned situations are covered for, differs from one insurer to the other, but these should be contained in a standard home insurance plan. As for the extra options you may choose, these are plenty, and each homeowner chooses according to his needs and best interest. On the extra options list you may settle for Accidental Damage, which simply means protection for accidental damage of your stereo equipment for example. Then, the personal possessions cover is yet another extra option, which compensates you for loss of money or credit cards up to a certain coverage

limit, or accidental damage loss or theft of personal items. The family and legal protection extra option will offer coverage for almost any legal costs up to a certain amount, disputes revolving around employment issues, or property and inheritance related ones. Plus, the home emergency option will offer a helping hand in case your door lock breaks, your electrical heating fails, so that you don’t have to worry about the incurring costs a professional would charge for an emergency repair to your home. Check and discus with your family all the available options pertaining to home insurance in general, and settle for the one which is the most affordable and efficient regarding your personal needs.




Recently, there was an interesting review posted at AHS warranty discussions page about dealing with insurance claims. The legal option suggested by the reviewer might be useful to some homeowners, who have difficulties dealing with home warranty insurance claims.

Insurance Claims

It is not practical and cost effective to take legal route to pursue your insurance claims and you may want to read How to pursue insurance claims article before you go that path. However, if you are fighting an insurance claim on a big ticket item, and you have exhausted all other options, this is definitely an effective strategy. Author of this post himself was an attorney and he effectively used the legal threat to beat the home warranty company.

Here is the excerpt:

…………………………………………………………………………………………..

American Home Shield – how to beat home warranty companies at their own game

I have discovered how aggrieved homeowners can turn the tables on home warranty companies and beat them at their own game. Please share this with everyone you know.

I’m an attorney and after having a problem with my home warranty company, American Home Shield, I decided to investigate whether other homeowners had experienced the same or a similar problem. What I found were web sites devoted to consumer complaints on which numerous homeowners had recounted incidents of fraud, deception, and rip-offs by their home warranty company. I also found a blog written by a former American Home Shield employee and another written by a former plumber for a home warranty company. Both recounted situations that would not pass the “smell test” in a court of law.

I also investigated lawsuits that had been filed against American Home Shield in Georgia, which is where I live. I found about 15 cases. The majority of cases had been filed in small claims court. As I reviewed the cases, I discovered that none of the cases had been litigated. In every instance, the case had been settled to the Plaintiff’s satisfaction although the details of each settlement were not part of the case file. With the knowledge that all cases had been settled to the homeowners’ satisfaction, I realized that American Home Shield would settle with an aggrieved homeowner before allowing a case to go to trial. My conclusion is that the only thing aggrieved homeowners need to do to beat home warranty companies at their own game is to file suit. The last thing American Home Shield wants to do is litigate a homeowner’s claim and the reasons are obvious to me.

The most obvious reason American Home Shield would not want to litigate a claim is that in most instances, the cost to American Home Shield to settle a claim would be less than the cost to litigate. The average amount of a claim in the cases I found was $3,800.00. Two were for less than $1,000.00 and only one was for more than $10,000.00. I’m sure far more than the 15 homeowners who have filed lawsuits in Georgia have had their claims denied. American Home Shield wins when a claim is denied and the homeowner does not sue, which is exactly what American Home Shield is counting on homeowners not doing.

Another reason American Home Shield does not want to litigate is because the company does not want to have to defend its craftily drafted contract or its questionable business practices, which is exactly what it would have to do if a case went to trial. American Home Shield also does not want such information to become public knowledge, which is also likely to happen. Additionally, a judge or a jury would also be hard pressed to return a verdict favorable to a company that engages in questionable business practices.

The final reason American Home Shield does not want to litigate is because a lawsuit actually places American Home Shield in a precarious situation. American Home Shield would have a difficult time defending any claim by a homeowner because the company has no first hand knowledge about the claim; it would need the testimony of the service contractor who, for its own reasons, may be less than eager to testify. The only knowledge American Home Shield has is what the company has been told by the service contractor. And any testimony from American Home Shield about what it was told by the service contractor is hearsay and not admissible in court.

To defend a claim, American Home Shield would need to subpoena the service contractor who actually made the diagnosis to testify about the claim. If the homeowner has done his/her homework, he/she would subpoena witnesses who could dispute the witnesses for American Home Shield. The homeowner should subpoena one or more service companies who had been called either for a second opinion or to make the actual repairs to dispute the testimony of the American Home Shield service contractor. The homeowner might also consider locating one or more other aggrieved homeowners to testify about their problem with American Home Shield. Another good witnesses for the homeowner to subpoena would be a former service contractor for the home warranty company or a former employee of a service contractor.

Since American Home Shield has at least three significant reasons why it does not want to litigate, the best and easiest way an aggrieved homeowner can beat American Home Shield at their own game (and most likely any other home warranty company) is to file suit. The one thing for an aggrieved homeowner to keep in mind is that if he/she does not sue, the home warranty company will win. But if he/she sues, the homeowner will most likely win. And that is how an aggrieved homeowner can beat American Home Shield at their own game.

My advice to aggrieved homeowners is not to stress over a denied claim, the denial of a situation as an emergency, repeated “band-aid repairs,” or a delay in authorization or in the repair of an item. I would also advise a homeowner not to waste time arguing with American Home Shield but to set a reasonable deadline for the appropriate action. Upon expiration of the deadline without receiving satisfaction from American Home Shield, the homeowner should then proceed as if they did not have a home warranty and then sue American Home Shield for reimbursement. The homeowner should also remember to document every action or inaction by both himself/herself and American Home Shield. Although the disadvantage to the homeowner is initially having to pay for the repairs, the advantage is that the homeowner can choose the service contractor and the brands and quality of products. I won’t guarantee all aggrieved homeowners will prevail every time but I have good reason to believe most aggrieved homeowners will prevail the majority of time.

For aggrieved homeowners whose claims were denied at sometime in the past, you may still be able to sue for reimbursement. To make that determination, the homeowner needs to research the statute of limitation for suing on a contract in their state. In any event, a homeowner should be safe filing suit for a claim that was denied during the past twelve (12) months.

Within the next six months, instead of reading homeowner’s stories about being scammed and ripped off by their home warranty company, I want to read stories about how homeowners turned the tables and beat their home warranty company at their own game.
If anyone has any questions, I can be contacted at [email protected]

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We are sorry that we can’t give you a name, but we will do the next best thing. We will tell you about all the qualities you need to look for in a most reliable Home Warranty company.

For those of you who feel that you don’t know enough about home warranties and matters related to it, we suggest that you go through detailed description about a Home Warranty plan section.

Most Reliable Home Warranty Company

So, you are on the look out for a Home Warranty company that gives you the best plan that suits your budget well. For that, first, lets discuss how to figure out what’s best for you.

Preparation

  1. Plan how much you are willing to spend on a home service plan each year. Home warranties cost anywhere from $300 to $700 per year, while average appliance costs would be over $2000 per year according to some expert estimates.
  2. What kind of coverage do you require? Is is extensive or just the basic offer? Basic coverage will include plumbing, heating, cooling and electrical systems along with major appliances. If you have a second refrigerator, it is probably not covered unless you request for additional coverage.
  3. What are the companies out there that offer services that you can afford? You can compare home warranty companies and choose the best plan, based on reviews, pricing etc. available on our website.
  4. Start comparison shopping!

Once this is done, let’s get to the fun part. Here’s a list of features that describe the most reliable Home Warranty company.

Coverage

Look for a company that offers varying packages based on coverage. The company should be able to provide you with a lot of options on the extent of coverage. If you can find a company that offers a tailor made plan for you, it would be great, provided the plan is affordable. Not all appliances and systems covered, so please understand the coverage terms. Pre-existing conditions may not be covered under some plans and lack of maintenance issues are almost always not covered.

Repairs vs Replacement

Did you know that most companies prefer to repair and not replace damaged devices? And because of this, you must thoroughly understand the companies policies regarding this. Go through the terms and conditions mentioned in the policy booklet carefully. A reliable company will always look out for your appliances and will replace them if it is needed.

Customer support

The importance of this aspect cannot be overstated. Ensure that the firm you choose has a 27 x 7 customer service wing whom you can call up at any time. They are the people with whom you will be communicating in case an issue occurs. So make sure that they are available around the clock and also enquire about the average time taken to get a response followed by filing your complaint. If you prefer filing claims online, check if the company has online claims processing options.

Seamless customer support is definitely part of an ideal company.

Qualified and experienced vendors

Ensure that the company you choose has a local branch or at least a good network of  contractors in your neighborhood. In case they do not have qualified contractors in the area, make sure you are allowed to choose your own vendors.

Your insurance company should always provide you with the service of trained and experienced service technicians. They are the people who are responsible for fixing your damaged gadgets so it is highly important that they have a good record. Speak to an agent and inquire about the quality of vendors that are hired by the company. Vendors must be thoroughly screened by the company.

Clean Record

It is never a bad idea to refer to the record of the State Insurance Commission or BBB to ensure that the company you are planning to choose has a clean history. Picking a company that has a history of lawsuits and bad reviews can never live up to your expectations. You can also ask your friends and family to recommend a company based on their experiences. Always choose a company with good reputation to make the most of the deal.

This article is just a brief description about the qualities of a good Home Warranty company. This is not a rule or guideline. Home Warranty plans can cost anywhere between $250 to $700 per year, so it is necessary that you make an informed decision. You can get a free quote or estimate on home warranty plans before you choose any company.

Happy Home Warranty shopping!




Can a Contractor benefit from the Home Warranty Companies? There may be universal consensus on the subject which is why this article is dedicated to show how work can be extracted and also examine the full scope of benefits a Contractor can draw from a Home Warranty Company.

Contractor looking for job

Why Work With A Home Warranty Company?

The better the reviews for a Home Warranty Company (New York, Virginia, Texas, California, etc.), the better your chances of earning and saving more at the same time. What makes it so attractive is the almost nullification of advertising costs for the contractor. All companies that work along with Contractors offer free referrals to Contractors, to all their home warranty customers.

In order to make the most of the significant market that exists, it is never enough to know the technical know-hows of how to repair electronic appliances but you should also be ready to expend a part of your revenue into marketing your brand.

Another reason it is beneficial to work with a Home Warranty company would be because it guarantees continuous work, and you are less prone to be out of work on a not-so-profitable season. With increasing work calls from the Home Warranty Company, the more chances you have at expanding your brand, either by hiring new technicians or buying new work-enhancing technology. With this sort of reliability, you could be fixing an AC and heater at any time of the year.

This can also prove beneficial to the Home Warranty company too as the contractors provide good reviews of the companies they are working with, increasing their chances of contacting them again or even spread goodwill by word of mouth.

When you decide to take on this relationship with a Home Warranty Company, it is also important for a Contractor to remember that he/she must be efficient in receiving calls from customers, who are directed from the Home Warranty company itself. Customer service is the lifeline on which the success of Contractor business can rely on, especially in the case where you are working with a Home Warranty Company where all your customers are directed from the contact number you provide the company.

Joining bigger Home Warranty Companies can give you a form of exclusivity if one outperforms all the contractors a company has hired. This will allow you to appear at the top of their list of contractors, especially if they provide reviews’ section.

How To Work With A Home Warranty Company?

Almost all leading Home Warranty Companies offer online applications which you can fill up in your leisure time and submit with all the relevant information typed in.

Some of these leading Home Warranty Companies include,

  1. American Home Shield
  2. Select Home Warranty
  3. Home Warranty Of America
  4. Choice Home Warranty
  5. One Guard Home Warranties  

The customer reviews’ section within our own website can also be found for some of the top rated Home Warranty Companies like American Home Shield, The Home Service Club, Secure Home Warranty, America’s Preferred Home Warranty-APHW, Select Home Warranty and First American Home Warranty (also picked as 2017’s Editor’s Choice, a brand new category introduced this year).

However, all contractors are requested to review the home warranty companies they’ve worked with on an exclusively dedicated space called the Vendor’s Area. Here, one can dish out all the good and bad experiences one’s had by taking up the jobs given by the home warranty companies.


Some of the benefits to the contractor by working with a Home Warranty Company like above, in addition to the ones already mentioned, would be:

  1. Phone claim approvals
  2. Detailed information of their employers / the company
  3. Administrative support
  4. Online invoice
  5. Ability to review payment history
  6. Cancel or resolve service fee
  7. General management of claims online

Renowned Home Warranty Companies also help their contractors in times of need, which include an experienced support team and a high limit on calls. Companies like Home Warranty of America also helps Contractors claim costs.

What To Remember Before Becoming A Service Contractor?

Before filling up your application form to become a Service Contractor, it is a necessary step to license your contractorship. Every Home Warranty Company expects the Service Contractor they are about to work with are certified contractors with a license and hence you are required to fill up your license ID in the application form.

Also you are required to fill in your Auto Insurance Policy Number, and your General Liability Insurance Policy Number (optional). Insurance Policies are in your own interest, hence even if some of them are optional we recommend you create one if absent.

Diversifying your skills can also be very beneficial before applying for a Contractorship with a Home Warranty Company. As you fill up your application, you are asked of your specialization and hence learning new skills can help you strike off more blanks, increasing your popularity among the reviews and consequently help increase your revenue.

Consistent work can be guaranteed when you are able to juggle with different kinds of repairs be it plumbing, garbage disposal, weed/lawn mowing, ceiling fans, gas fireplace or septic system. These numbers can go up to a hundred so a little bit of extra skill can only put you so much ahead of the rest of the contractors.

If you are looking to expand your presence in contractorship, applying to work with a Home Warranty Company is the best as it can get. You can save and earn more at the same time, a chance usually deprived for those working outside of these companies. There are many ways you can utilize such an opportunity, more so as there are numerous Home Warranty Companies and your chances at getting in at any one of them aren’t nearly dim. Go ahead and fill your applications now!

Our portal also lets you access some of the most sophisticated lists of best home warranty companies, ranked on a various different criterion. This is, in addition to the Complaint Resolution Program (CRP) and Home Maintenance Calculator. Be sure to check them out!

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Anybody who has bought a house knows what closing day feels like.  You probably saw the date changed at least once, maybe more than once.  You waited for closing.  The paperwork trail was long.  The bank’s questions had all been answered.  The title had cleared.  Everything was finally in order, and you saw the keys to your new home for the first time.  And the excitement of it all, for many of us, even in memory, is on par with a short list of big life events that we’ll never forget, especially that feeling of being in our own space and to protect our children is something great in itself!

Broken house

But after the newness and excitement are in the past, home-ownership isn’t always the boon of big advantages over renting that we expect.  And these days it’s all too common for buyers of brand new houses to find that the list of half finished, poorly done, and improperly completed work in a new house is long.  If you are one among many homeowners, ones who found their dream home wasn’t such a dream upon closer inspection, then you already know that a home warranty doesn’t necessarily protect you or your finances in the event the builder of your home rushed through the work, committed architectural no-nos, or had teams of employees who failed to communicate well together.

Homeowners who closed on new homes, only to find that the builders had made huge mistakes or deliberately violated building codes, know all too well that many home warranties are only as good as the financial stability of the builders themselves.  And homeowners who attempt to replace a lost builder’s warranty with one offered by aftermarket home warranty providers may find that pre-existing condition clauses free the company from the obligation to pay many claims that are related to the builder’s errors or bad decisions and calls for a better judgement to be made to protect the interests of the end-user.

But isn’t a home warranty supposed to protect home buyers?  Yes, it’s supposed to do that.  But the difference between what is supposed to happen with home warranties issued by builders and what actually happens in many cases these days is as big as the difference between states’ regulations on builders and the enforcement of those regulations.

Printed media have been all over this problem for years now.  There have been dozens of different reports made by reputable newspapers, magazines, websites, industry organizations,  such as The American Institute of Architects, and consumer-facing organizations such as Consumer Reports, each one reinforcing the alarm to consumers that you can’t buy a new house and assume that any problems with it will be remedied by the builder or the home warranty.

What new home buyers and even buyers of existing homes need to understand is that the best protection against huge home repair costs is usually careful scrutiny of the builder.  Since states vary greatly in the way in which they regulate builders and building codes, and since enforcement these days is oftentimes limited by budgetary problems, home buyers should not feel too confident in the long-term structural integrity of a house without doing some serious due diligence.  That includes checking out the builder’s history and financial health, but it also includes putting extra eyes on the construction while it’s in the process.  Home buyers who skip the work involved in ordering inspections of various steps of the construction of their new houses leave themselves open to all kinds of post-closing surprises.  And if the builder files for bankruptcy, as so many have done since the housing market crash of 2007, then the owner of a home that was poorly built may be out of luck, no matter what promises were made in the home warranty. So protect yourselves by conducting a thorough research on the internet and in trusted domains like HomeWarrantyReviews.Com




10 Things You Must Know About Home Warranty

Home Warranty Insurance provides you with protection against expenses that are incurred due to damage of your household appliances. The appliance warranty company shall either pay for repairs or replace your damaged appliance.

Home Warranty is not an ideal choice for customers who have fairly new equipment in their homes. It is ideal for appliances over four years old.

The Great Stuff

The advantages of Home Warranty are many. Its like an umbrella warranty that covers all the appliances in your home. These are the best aspects of an Appliance Warranty Insurance:

  1. If a major appliance or system breaks down, the Home Warranty company will pay for repairs or in certain cases may even replace the appliance.
  2. You need not go around looking for a technician to repair your damaged appliance. All you have to do is call up your warranty company and pay the deductible amount (usually around $50) and they will send a technician to service the appliance or system
  3. If you wish to sell your home, having a Home Warranty Contract adds value to your property. Buyers are often interested in getting an insured home rather than an uninsured one.
  4. It makes you stress free and you can rest assured that if an appliance breaks down, it will not burn a hole in your pocket.

The Not So Great Stuff

As much as there are benefits, like a coin with two sides, this too has a few limitations.

  1. Each repair will cost something as you have to pay a deductible amount anywhere between $50 – $100 for EACH repair incident. You will have to pay a separate deductible amount for each appliance that was damaged.
  2. The annual premium you pay can range anywhere between $ 500 – $ 1000. So if you are confident that you will not need annual repairs for your appliances, it is better that you hire a contractor for the occasional repairs.
  3. If an appliance part needs to replaced, expect delays. Contractors will have to wait for the company to send new parts in the mail and this delays the repair work.

Drawbacks

Being a top home warranty reviews site, we are aware of common problems faced by customers. Let us take you over a few such issues that you may find difficult to deal with:

  1. Often claim processing moves at a snail’s pace with the company quoting clauses from the contract to deem your claim invalid when the costs involved are quite high. Let this not deter you, there are Insurance companies around who provide impeccable service and ensure that you are well treated.
  2. Pre-existing conditions of your used appliances are not covered. Damages due to wear and tear and lack of maintenance are not covered as well. However, there are companies that do cover above criteria.
  3. Then there is  the fact that Insurance companies always opt for repairs rather than replacing the damaged appliance with a brand new one.

Always make sure that you read the Policy booklet and contract thoroughly so that future conflicts are avoided. Also ensure that the Insurance Company you choose comes highly recommended.

Choosing the right Home Warranty Plan

Choosing the right plan and the right Insurance company is a tough decision to make. The market does provide a lot of choices regarding this as well. If you have decided to proceed with your decision of getting a Home Warranty for yourself, check our reviews section for some insights and ratings. We hope that it will help you choose a plan that suits your needs and your budget. If you are still undecided, do check out our Home Warranty Buyers Guide for further help.




June,2012: The month of June brings some great news for those of you who are planning to buy foreclosed homes! Freddie Mac is now offering free appliance protection plans from Home Protect warranty. The Federal Home Loan Mortgage Corporation, or simply called Freddie Mac, is a public government sponsored company that works with mortgage lenders to help people get better access to home financing and loans at reduced rates.

Freddie Mac Free Home Warranty

Freddie Mac has declared that it will offer $500 credit on home warranty to home buyers who have bought their houses through HomeSteps division. This offer is a bonus assurance provided to homebuyers as this incentive has allowed homeowners to obtain  Home Protection coverage plan without any additional investment on policy coverage.

This offer is only available for  homeowners who can purchase a qualified, foreclosed single-family home, townhouse or condominium.

About Home Protect Home Warranty

Home Protect home warranty is a subsidiary of Cross Country Home Services company which is a provider of a variety of residential service plans. A Home Protect Warranty protects consumers by offering them discounted repairs and replacement services.

With the coverage policy of Home Protect, home buyers will be safeguarded against unexpected appliance breakdowns and expenses related to it. Home Protect’s also offers enhanced coverage options which includes coverage of swimming pools, sump pumps and even unknown pre-existing conditions. Such enhanced coverage is a huge bonus while purchasing foreclosed homes.

Home Protect Home Warranty says that their plans are sold either for one or two year. Both plans offer the same coverage along with access to Cross Country Home Services benefits like discounted rates for new appliances. The company has a large network of over 40,000 service vendors.

In addition to this, if you have decided to purchase a house from HomeSteps property on or before May 24th 2012 and is expected to close the deal before August 31st 2012 you may become eligible to get two year Home Protect Home Warranty coverage.

 




Home warranty is a service contract that offers discounted repairs and replacements for your household appliances. If you have an appliance protection plan, and if one of your covered appliances breaks down, the home warranty company will repair it for you at a very nominal price.

Home Warranty Plan

In general, such plans are considered a wise purchase for those

  • Who have fairly old appliances, ie 4+ years.
  • Have no time for DIY repairs.
  • No budget for expensive repairs and replacements.
  • Do not have a trusted contractor.
  • Is a first time home owner.

If any of the above mentioned conditions are true, it will be a good idea to purchase an appliance protection plan. Folks who fall into any one of the categories stated above stand a high chance of encountering frequent damages leaving their pocket empty.

Several types of appliance protection plans are available in the market today. Most of them differ with the extent of coverage. Most of the first tier or basic plans cover only major systems and appliances in your home. This usually excludes outdoor appliances and systems and second sets of devices. Eg spa and pool units, sprinklers are common things excluded from coverage. Also second air conditioning unit, second cooler etc are also omitted. However, the best part about these plans are that their coverage can always be extended. Accordingly the annual premium you pay will be higher.

How Does the Plan Work?

If an appliance crashes while the warranty plan is still valid, all you have to do is to inform the company about the damage. Once you give them all the necessary details, they will call up a service vendor with whom they maintain business ties. The vendor then contacts you to fix an appointment and on the agreed time he arrives to take a look at your appliance. If the damage is minor, the technician will fix it right away.

However, major damages or part replacements may need approval from the home service contract company. Any parts that require replacement will be procured for you by the company.

Advantages of a Home Warranty Plan

  • It offers some amount of protection for your budget.
  • It is the closest thing you can find to peace of mind.
  • You get the service of experienced and qualified technicians.
  • You don’t have to look for a service vendor, they will be sent to your doorstep.
  • Flexible coverage. You can purchase as little or as extensive coverage as you need.
  • Affordable. Most plans have annual premiums that range anywhere between $250 to $600.

Disadvantages

  • It is not a free of cost arrangement. In addition to the annual premium, you will also be paying a service call fee each time you raise an issue. The fee is nominal, usually around $50.
  • You cannot raise multiple issues in a single claim.
  • Claims are sometimes rejected based on vague and unclear grounds and often stating fine print from the contract which customers usually overlook.
  • Conflicts may arise on the diagnosis given by the technician.
  • The home warranty company will always try to repair and not replace your damaged appliance.

Final word

Home Warranty plans are a great way to insure your household appliances if they are old or aging. However, people often tend to confuse this with homeowner’s insurance, which is quite a big mistake. Homeowner’s insurance can never be replaced with a home service contract or vice versa. Though they both offer protection for your appliances, their grounds for placing a claim are totally different.

May it be reminded again that the policy booklet and contracts are vital documents and should be studied and preserved carefully. If you have decided to go ahead with a home warranty, check out Top Home Warranty Companies listed on our site.




Are there scams in the home warranty industry?

When you look at the words most often used in emotional complaints about home warranty companies you may find that “scam” is a very common term. But if you look very closely at the home warranty industry it’s hard to find evidence of a scam rooted in the established home warranty companies.

Home Warranty Scams

Though homeowners are not always happy with the speed or manner of the response to their claims it takes more than just complaints to make a true scam. So are there no scams in the home warranty industry? My personal opinion is that there are plenty of scams and if you look back you’ll find plenty more in the past. Does that make the home warranty industry unique? I definitely don’t believe so. Auto insurance, health insurance, home building, government, religion – you name it, there have been scandals and grounds to throw words like scam around. A home warranty is not unique in that it has unhappy customers. Show me an industry without unhappy customers and I’ll be the first to change careers. But like I mentioned before, home warranty customers have been victimized and are probably being victimized even today.

Spotting the scams and the companies that are not operating with the best interests of their customers in mind is the very first priority. This is where homeowners and legitimate home warranty companies can work together. Real estate agents, home repair contractors, home inspectors, and many other professional and customer advocacy groups can also help to point out the signs that home warranty companies are not doing what is right for their customers.

How do you spot home warranty companies that may be scamming customers?

How can homeowners identify home warranty companies that are likely to be scams or just not be doing what is right in terms of their commitments to customers? There are a few basic approaches to getting a good read on a home warranty company and all of them involve some time spent doing homework. What this comes down to really is customers taking their time and not making impulse purchases of home warranty contracts. And during that period of finding out about a home warranty company here are some things homeowners would be wise to look out for:

  • Is the home warranty company well established? This one is important. Many home warranty companies that fail to take care of their commitments due to greed or negligent management practices still cannot be labeled scams. But like the companies that are intentionally misleading customers, the ones that do a bad job with customer service or mismanage the company’s assets tend to wind up being fly-by-night companies. If a company hasn’t been around long then homeowners should be extra cautious.
  • Are people you know talking about the company? If you ask everyone you know about a home warranty company and nobody can tell you a thing about them then, again extra caution is wise. Keep in mind that hearing about other people you know signing up for a home warranty doesn’t necessarily mean a company will be good to deal with as a customer. Until you file a claim you don’t really know what you’ve gotten yourself into.
  • Do your state government’s insurance regulatory authorities or other public offices know anything about the home warranty company? Some states have rules for home warranty companies while others do not. If you live in a state that has no regulations, licensing requirements, or other rules for home warranty companies then you should tread very carefully. If you choose a home warranty company that fails to deliver on its promises your state may have little or no recourse available for you. If your state licenses or otherwise sets limits on home warranty companies don’t sign or buy anything until you know where the home warranty company stands with your state’s regulatory entity. And ask about complaints. Some officials can tell you if there have been complaints filed with their office or other offices against the home warranty company you are inquiring about.
  • Find out more about the company in terms of physical location and ownership. As mentioned earlier in this article, there are sometimes signals that a home warranty company isn’t legitimate. The harder it is to find out about the ownership and location of a company the more cautious a homeowner should be about doing business with it.

What sorts of home warranty scams should you watch out for?

It’s difficult to predict what sort of stunt criminals will pull tomorrow but in terms of what scams I’ve heard of up to now, here are a few. The names may be funny but the financial losses and wasted time on the parts of the jilted customers are nothing to smile about.

“The Emperor’s New Clothes”

This one involves a company that isn’t a company at all. It has none of the financial depth that is required to cover the costs of handling repairs and replacements when home warranty customers file claims. In fact, these companies rarely have a real office and follow the same pattern almost every time. They deny all the claims they can, approve the ones they can’t but then don’t pay anyone for the work performed, and then when frustrated customers cancel they promise refunds which they also fail to pay.

“The Ponzi Scheme”

These companies oftentimes pay their contractors and approve returns but do so in such a way as to gradually put the company further and further behind on various debts. While they do this they use positive customer reviews to attract more customers and also spend a great deal on advertising in some cases. By the time they become fat with customers and reach their peak they’ve already bankrupted the company through poor management. The customers who are holding new home warranty contracts the day the company finally sneaks out its back doors and turns off the phones are the ones who get hit the hardest. Sometimes this type of scam leaves a long-term trail of customers who don’t find out their contract is worthless until they attempt to contact their home warranty company’s customer service center. This grab-the-cash-and-dash routine has burned many, many homeowners over the years.

“The Disguise”

Some people who found bad home warranty companies get away with their misdeeds or only receive a slap on the hand that holds the checkbook. They then go on to start other home warranty companies using new company names and sometimes using different people as the officers or owners of the company. By disguising themselves they evade the public scrutiny that would otherwise stop their scams cold. Homeowners caught up in the web of these characters can count on denied claims, shoddy work, unpaid contractors pursuing the homeowner for debts the home warranty company owes payment for, and many other unpleasant circumstances.

What can homeowners do if they suspect they are dealing with a fraud that is posing as a home warranty company?

For the sake of other consumers, friends, and the home warranty industry where companies work diligently to satisfy their customers, any homeowner who feels that a claim was handled unfairly or that there are signs of misconduct on the part of their home warranty company should not remain silent. All too often home warranty companies give the overall industry a bad name with their poor handling of claims, contractor relations, or other important areas of their businesses. And in the case of true scams, more often than not, the people behind the scams only get away with what they do because it takes so long for anyone in a position to stop them from realizing what is happening. As consumers realize their options to use government offices, social media, and word of mouth to sound the alarm about bad home warranty companies it will become more and more difficult for new scams to find victims.


This is a guest article written by Kevin Wallach. As owner and writer at CompareHomeWarrantyQuotes.com  Kevin spend a great deal of time collecting information to help his readers better understand home warranty plans. Though home warranty is not the most popular topic online, it does mean a lot to homeowners who need help with questions about it.




Life is certainly unpredictable, you cannot control the outcome but surely can prepare yourself through careful planning and minimize the risk and be on the safer side. Insurance is one such protection mechanism which covers major expenses with an understanding that you will pay a smaller fee as a premium.

Insurances

An insurance is a contract in which an individual receives financial protection or reimbursement against losses from an insurance company against the payment of a premium.

We have an inherent need to protect ourselves and our family, so why not buy insurance and secure the unknown future. According to needs you have various insurances. Some are a must while others are worth. Here is a quick tour into the world of insurance policies.

Insurances That You Cannot Miss To Have For Your Home And Family

Life Insurance

As the term suggests you are insuring your life with a certain amount. It is an insurance that pays out a sum of money either on the unfortunate death of the insured person or after a set period.

Benefits of a Life insurance

  • Risk Cover – Insurance ensures that your loved ones continue to enjoy a good quality of life against any unforeseen event.
  • Planning for life stage needs – Life Insurance not only provides for financial support in the event of untimely death but also acts as a long term investment which can reap benefits once it reaches a maturity period.
  • Assured income through annuities – Life Insurance is one of the best instruments for retirement planning. The money saved during the earning life span is utilized to provide a steady source of income during the retired phase of life.
  • Tax Benefits-Insurance plans provide attractive tax-benefits for both at the time of entry and exit under most of the plans.

Health Insurance

It is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insurer. Health insurance can either reimburse the insured for expenses incurred for illnesses or injury or pay the care provider directly.

  • Protection against rising health expenses – Life Insurers through riders or stand alone health insurance plans offer the benefits of protection against critical diseases and hospitalization expenses. This benefit has assumed critical importance given the increasing incidence of lifestyle diseases and escalating medical costs.
  • Provides peace of mind – You don’t have to worry about the huge bills when you visit the doctor or an unfortunate accident or an expensive surgery your insurance will take care of unpredictable medical needs.
  • Regular health checkups – Insurance gives you various benefits and one of such is that you can avail regular health checkups and keep a tab and stay healthy.

Auto Insurance

It is an insurance for all your automobiles against theft and accidents.

Benefits of Auto- insurance

  • With a high cost of living there is hardly much room for savings in case of an emergency. Unfortunate auto accidents are the kind of emergency situations that can easily drain your bank account. A premium according to the specified period can be of a great help.
  •  Even in case of a minor accident with no injuries, cost of paying for another person’s vehicle and your own can burn a hole in your pocket and an insurance is a friend in need to bail you out in such a situation.
  • It helps you in case of automobile thievery, you can claim the insurance with some existing terms and conditions whereas getting the complete value might not be possible.

Home Warranty

A home warranty is a contract for repair and replacement of major home appliances such as refrigerator, washing machine, garbage disposal etc. on payment of a premium.

Benefits of home warranty

  • Saves you huge cost of repairs
  • A Home Warranty will repair or replace any covered item. It adds value to your property and benefits everyone from a buyer, seller to homeowner has an advantage.
  • Assures you peace of mind

Home Insurance

This insurance covers the home including the structural elements as well as the valuables inside the home. However, you can claim this insurance only where there is a natural disaster such as flood, fire etc. Please note that this does not cover the appliance repair and replacement costs.

Benefits of home insurance

  • Protects your biggest investment that is your home in case of natural and manmade disasters.
  • Covers accidental damages to your interiors and exteriors as well.
  • Takes cares of any third party damages and legal issues if any incident occurs while in your property.
  • Assures you peace of mind and gives you a feeling of safety and security.

Often Home warranty and insurance are thought to be similar but they are completely different in the coverage they provide. Home insurance is a must to have whereas home warranty you can choose to get.

When it comes to insurances you have a plethora of options to choose. From travel insurance to disability insurance etc, you can choose and plan according to your needs. All insurances have advantages and disadvantages but insurance no matter which protects your peace of mind. While buying insurance always make sure to do a background check of companies you are dealing with and read the reviews and fine print thoroughly.

Click here to check for Home Insurance and warranty companies.

Future is unpredictable yet securable therefore get insured stay assured.




This infographic depicts the most basic definition of what a Home Warranty is all about. Although the title says that it is for dummies, we’re sure that even people with average/ above average intelligence can keep up!

Now, an appliance warranty is a form of protection your purchase for your household appliances and systems. It is a contract that offers to provide you discounted repair and replacement services should your device sustain any damages.

Home Warranty Dummies

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Coverage

As you can see in the infographic, all major systems and appliances are covered. Now that would include refrigerator, built in ovens and microwaves, washer/ dryer, HVAC units and major systems like plumbing and electrical units. Additional coverage can always be purchased, so you can rest assured that all your devices can be protected!

How Does Home Warranty Plan Work?

This is how it works. When your covered device gets damaged, you simply place a call to the warranty company explaining your situation. If the damage is not an excluded one, your claim will be taken up. The warranty company then sends a technician to your home to fix the damage.

Claims

Let’s discuss the claims part. Like we said, when you notice a damage, all you need to do is inform the warranty company about it. Did you notice that title saying “Common reasons for claim denials”? Yes it is true. Although this does not happen often, it is still noticed that companies often deny claims. The grounds for claim denial varies from company to company and can be understood only after you go through their policy booklet.

However, common reasons for denial are as follows

  • Insufficient maintenance
  • Improper installation
  • Code violations
  • Unusual wear and tear

Don’t worry too much about it. If you choose a reputable company, chances are low that your claims will be unjustly denied.

Premium and Deductible

Moving on, let’s discuss the premiums and deductibles involved. As the image says, the annual premium for most basic warranty plans are somewhere in the range of $250- $500. This can vary depending on the extent of coverage. Larger the coverage, higher the premium.

Each time you raise an issue, you will be expected to pay a deductible/ service call fee (it’s nominal, around $50). The happy news is that there are some companies offering plans at zero deductible.

So there! That’s what the infographic is all about. Isn’t it an awesome image? Cheers!




In the past year, over 32 real estate agents have helped consumers with more than 13 residential home sales in Houston, Texas. The oil slump can’t hold back Houston’s top realtors as the Houston’s housing market is performing extremely well. Sales have ranged in price from $99,000 to $697,500. Now, homes are available for a variety of price ranges – from about $300,000 near downtown to around $2 million in the best neighborhoods along the city’s Energy Corridor.

Best-Realtors-and-agents-of-Houston

Below is the list of Houston’s leading realtors based on their gross sales volume in dollar amounts, the number of transactions and the average price of homes sold-

Paige Martin

Houston-Realtor

A Houston-area native, Paige is a proficient and successful partner in any residential real estate transaction. Armed with an in-depth knowledge of Houston real estate market, her skills have marked her as one of the most preferred agents in Houston. With a customer-focused approach, Paige is dedicated to providing brilliant service. After graduation from Baylor University, Paige started her career as a marketing consultant, developing individually-tailored marketing techniques for her customers. She now employs those cutting-edge skills to aid her customers to buy and sell their homes with the least amount of stress. She monitors clients through every aspect of learning about Houston, relocating to Houston and ensuring hassle-free real estate transaction.

Paige Martin, a Broker Associate with Keller Williams Realty and owner of HoustonProperties.com is ranked as one of the top residential real estate agents across the world. Her website HoustonProperties.com features more than 1,200 pages of Houston real estate information on over 40,000 properties for sale in addition to a large number of resources for home sellers. Paige has successfully sold over $250million of homes and is listed among the Top 25 Residential Realtors in Houston for the second consecutive year in terms of individual gross sales and transactions. She has also been featured on TV and in several publications including:

  • The Wall Street Journal
  • Fortune Magazine, Reuters
  • Fox News in the Morning
  • Money Magazine
  • Houston Business Journal
  • The Houston Chronicle
  • Downtown Houston Magazine
  • Texas Monthly Magazine

Paige has been a consistent top producing agent and has won over 198 awards since 2003 for excellence in customer satisfaction. Her recent awards include:

  • 2016: One of the Top 25 Residential Realtors in Houston, Houston Business Journal
  • 2016: Five Star Realtor, Featured in Texas Monthly
  • 2016: One of America’s Best Real Estate Agents, RealTrends.com
  • 2015 Q3: #9 Individual Agent, Keller Williams, Worldwide (of 125,000 agents)
  • 2015: #2 Individual Agent, Keller Williams, Texas
  • 2015: #1 Individual Agent, Keller Williams, Southwest Texas (Houston, Woodlands, Katy, San Antonio)
  • 2015: #1 Individual Agent, Keller Williams, Houston
  • 2015: #1 Individual Agent, Keller Williams Memorial
  • 2015: One of America’s Best Real Estate Agents, RealTrends.com
  • 2015: One of the Top 25 Residential Realtors in Houston, Houston Business Journal
  • 2015: Five Star Realtor, Featured in Texas Monthly Magazine
  • 2014: One of America’s Best Real Estate Agents, RealTrends.com
  • 2014: One of the Top 40 Real Estate Agents in Houston, Houston Chronicle
  • 2014: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2014: Five Star Realtor, Featured in Texas Monthly Magazine
  • 2013: Top 50 Houston Realtors by the Houston Chronicle
  • 2013: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2013: Five Star Realtor, Featured in Texas Monthly Magazine
  • 2012: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2012: Top 5 Ranked Individual Agent in the Houston Area with Keller Williams
  • 2011: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2011: Top 10 Ranked Individual Agent in the Houston Area with Keller Williams
  • 2010: #1 Ranked Individual Agent in the Keller Williams Memorial Office
  • 2010: Top 10 Ranked Individual Agent in the Houston Area with Keller Williams

James Krueger

Houston-RealtorWhether you are buying or selling a home, James Krueger can help you win at real estate! He is the owner of Kruger Real Estate which was founded on a corporate philosophy of devoted commitment to quality service. Upon graduating from Texas A&M University as an All-American archer and economics major, Kruger worked as a business analyst for Reliant and then a consultant for an executive compensation firm. He believes that excellent real estate service begins with personalization – with one agent who listens, learns your goals and helps you accomplish them. Krueger Real Estate agents are backed by a team that keeps you informed through every step of the home buying or selling process while giving you unmatched customer service. As a former litigation, Kruger understands legal contracts and also knows how to value a property to get you the best possible deal.

Krueger Real Estate mainly serves the Greater Houston Area and surrounding areas including Katy, Cypress, Sugar Land, The Woodlands, Spring, and Tomball. Krueger is pioneering an exclusive model to improve agent retention and client satisfaction. Unlike many traditional brokerage firms, Krueger Real Estate pays attention to duties that a realtor at other brokerages is responsible for. It provides a distinct advantage in maximizing the exposure of their listing through online, print, and social media outlets. The local experts assure you of professional photographs, proficient staging and presentation guidance, an online marketing blitz campaign and thorough listing descriptions that will make your home noticeable from the rest. “If I can create an amazing place to work, I can attract super high-quality agents who attract high-quality clients,” said Krueger, broker and owner of Krueger Real Estate.

Krueger Real Estate employs a client relation management system to keep an eye on its clients and has a call center that tries to answer all new client queries within 3 minutes. Krueger’s client focused approach seems to be working and has helped him grow his company. In 2013, Krueger started with 8 agents who made $27 million in home sales and the following year he grew his company to 15 agents who brokered $46 million in home transactions. In 2015, with 45 agents, Krueger’s firm collectively made $65 million in closed and pending sales. Krueger aims to crack $100 million in sales in 2016 and has a dream to grow his company to 250 agents, expand to the four major Texas markets and break the $1 billion home sales mark by 2020.

“I always wanted a fun, cool place to work, so when I started my company, I wanted to make it an enjoyable place to work,” Krueger said. “A company isn’t anything without the people you have on board.”

Krueger has been named the Top Producer by the Houston Association of Realtors for 2012 and 2013. He is a certified negotiation expert (CNE) and has the following Professional Real Estate Memberships:

  • Accredited Buyer Representative (ABR®)
  • Short Sales and Foreclosure Resource (SFR®)

Lance Loken

Realtor-Houston

Founder of The Loken Group, Lance Loken strives to be the excellent real estate service provider in all 9 countries in the Greater Houston Area. The group is backed by a team of specialists out of the Keller Williams Realty Signature office who serves real estate buyers, sellers, and investors to make your home buying and selling experience pleasant. By employing the newest technologies, business tactics, and market research, the agents are able to list your home strategically and effectively. Most importantly, the agents listen and find solutions that are tailored to you.

Prior to entering real estate, Loken worked as a C-Level executive for firms like The Wood Group Renewable Energy Service, Francesca’s Collections Inc., and C.D. Johnson Companies which helped him shape the way he approaches real estate. “My goal is to always be your real estate SOLUTION – whether that means helping you buy, sell, invest or rent,” Loken said. Loken is an Accredited Luxury Home Specialist (ALHS) and a Certified Luxury Home Marketing Specialist (CLHMS).

From paperwork to marketing, The Loken Group stand by you in every step of the way, replying to your questions and offering exceptional customer service. They were recently named:

  • #3 out of all Real Estate Teams in Houston (Ranked by Number of 2014 Closed Transactions – 662 by the “Houston Business Journal”)
  • #20 out of all Real Estate Teams in The United States (Teams by Transaction Sides in 2014 – 658 – by REAL TRENDS (“Wall Street Journal”))
  • #3 in all Keller Williams agents worldwide (based on units closed in 2015)
  • #1 Best Place to Work in Houston (Medium Companies, 2015, “Houston Business Journal”)
  • #79 (Teams by Sales Volume in 2014 – $137.3 mil) in America by REAL TRENDS (Wall Street Journal)
  • #303 in the Inc. 5000 List of America’s Fastest-Growing Companies

The team of specialists at The Loken Group manages clients in all price ranges. Their luxury division is backed by proficient luxury experts who help clients in more than $650,000 price range.

Alfonso Parodi

Realtor-Houston

Alfonso Parodi obtained a Business Administration degree with a Minor in Marketing from University of Lima, Peru. Thereafter, he moved to Houston and lived there for 9 years where he had the opportunity to attain extensive experience and training in Sales including residential lending, real estate, retail, networking, recruiting, marketing and primarily customer service. Parodi is competitive and goal-oriented with a passion for delivering outstanding customer service. In just 3 years, Parodi has become a top agent at Realty Associates in Houston which is home to more than 1800 agents.

Alfonso founded Team Parodi in 2013 whose focus is to bring the best group of agents together with a support team of award winning interior designers, experienced inspectors, proficient photographers and all other experts to help customers buy and sell their homes in areas such as Cypress, Houston, Humble, Katy, Tomball and more. Team Parodi at Real Associates is proud of each purchase or sale that aids clients to attain their dream home!

The technology savvy agents employ the cutting-edge tools and programs to give their clients an advantage in the fast moving and super competitive market for a successful transaction. Currently, Team Parodi is backed by 6 key members and will be adding more agents to be better prepared for a very busy future market. Whether buying or selling a home, Team Prodi is ready to be your trusted resource.

Owing to his excellent communication skills and expertise, Parodi is selected and recommended time and again by his clients. He has been awarded in the top 1% Buyer Agents among 25,000 agents and also:

  • recognized by Houston Association of Realtors in 2012, 2013 and 2014
  • awarded the esteemed 20 Rising Stars under Age 40 by Next Generation of Realtors (Houston Association of Realtors)
  • named 2015 Top 250 Latino Agents in the US by NAHREP

With professional accomplishments in both experience and education, Parodi maintains the Certified Residential Specialist (CRS) Designee. Presently, less than 3% of 1 million agents carry this designation. Besides, he has the following Professional Real Estate Memberships:

  • Accredited Buyer’s Representative (ABR®)
  • Graduate Realtor Institute (GRI®)
  • Short Sales and Foreclosure Resource (SFR®)
  • Texas Realtors Leadership Program (TRLP)

Angela Pipes

Realtor-Houston

Angela Pipes is a Licensed Real Estate Agent at Redfin Corporation with 17+ years in the Houston Real Estate market representing both sellers and buyers. She is passionate about the relationship with her clients which helps her adapt to their needs and receive referrals. Whether you are a first-time buyer or an accomplished seller, Pipes would guide you through the entire process. A member of the Houston Association of REALTORS, Pipes has established a reputation for being proficient in handling land sales, new construction, investment properties and resales including historic homes in the Heights, Montrose and other neighborhoods such as Katy, Memorial, Spring Branch, Clear Lake, and Galveston.

Pipes mainly works in the urban communities of Houston and keeps abreast of real estate developments and attending community events. She is an advocate for those interested in building better practices, smart growth and energy efficiency. Pipes works closely with her clients to make sure every sale closes without a hitch. She is always accessible, prompt, and thorough with her clients’ requests and her quick response time with emails is appreciated as well.

Angela Pipes has been qualified as a Top Production REALTOR based on 2016 second quarter listing side number of MLS sales transactions of the Houston Association of REALTORS. This certification is given to those who aim to maintain the highest ethical standards and whose production ranks among the highest number transactions within HAR’s 25,000 brokers and agents. As a Certified Negotiation Expert (CNE) and Accredited Luxury Homes Specialist (ALHS), Pipes has proven to be a valuable asset to Redfin and to her clients.




Just the decision to take the task of building a home into your own hands can be daunting, keep aside the fact that liabilities are now yours alone to deal with. The joy of being there every step of the way and having a say in every brick, beam, and wall comes with a lot of responsibility. The smallest of injuries on site to a worker, accidental falls, natural disasters and other unforeseen circumstances can put your budget off by thousands of dollars.

Time is a factor as well, having the plan pushed back by weeks, if not months; time and money that you cannot get back. Such accidents are what makes it prudent for you to invest in structural insurance, warranty and legal coverage for all the essentials.

What is Structural Insurance?

Structural insurance functions within the parameters of Builders Insurance and Site Insurance, covering claims regarding the foundation and architectural framework of the building, as well as the integrity of the site it is built on.

Structural Insurance & Home Warranty

As the percentage of self-built homes increase in the US, numerous companies now offer a comprehensive list of structural insurance for homes built without the assistance of building agencies.

If narrowed down to just structural claims, structural insurance covers the claim of any structural defects in a home for a fixed number of years after it is built. Often certain companies have a secondary set of rules, pertaining to the fact that the claim will only kick in 7 to 10 years after the house is completed.

That being said, structural insurance usually comes hand in hand with site and builders insurance as well, both essential and usually synonymous with structural insurance.

Site Insurance

Site insurance is offered to builders as well as individuals who have purchased land and intend to construct. It not only covers any natural disaster-related damage – fire, storm, flood – to the land, but also the temporary structures on it. The coverage puts aside a certain sum to take care of any unforeseen circumstances that may cause huts, caravans, tools and the building under construction itself to be partially or wholly damaged.

Certain insurance companies not only take care of the monetary side of things but also offer services to clean, repair and bring back the space to its former state.

Builder’s Insurance

In recent times, Builder’s Insurance has become a must for self-built structures, especially since it establishes a sense of trust between the homeowner and the bank or builder who is offering monetary assistance.

Builder’s insurance acts as the umbrella under which site and structural insurance fall, but often companies do cater to individual needs by offering them separately. These insurance policies even accommodate for theft of tools and valuables from the site, but usually, put a limit of the claim. That being said, it is important to pick appropriate coverage plans and not under or over-insure your property.

Allowing delays and pushbacks, any building or structural insurance for individuals who are constructing on their own extend to 18 months, as opposed to the usual 12-month coverage given for builders.

Why Insurance During Construction is Essential

Building a home isn’t only about the structure and integrity. Along each step of the way, you have to be aware of not only accidents and loss that are beyond your control, but also any harm that the process may cause to workers, the public and adjacent private and public property.

Structural Warranty for self built homes

As a homeowner, you are liable if any of your workers are injured during the course of construction, or even if they fall ill due to toxic substance exposure while they worked for you.

Even a trespasser walking into property can have a legal claim if he or she is injured due to any improper construction methods.

Damage to surrounding property can be another reason you are faced with a very large bill for compensation. Everything from a falling tree branch to heavy machinery vibrations that may cause harm to adjacent structures can be seen as cause for a lawsuit. Most often, such damage is seen to happen during the time when your foundation is being set, causing worry about underground water sources and support extending below the ground of other buildings in the area.

Home and Structural Warranty

Besides structural and builder’s insurance, warranty extends the coverage, claims, and care for years after the home is built – taking care of issues and damage that insurance does not address. While insurance deals with unforeseen circumstances and matters that were out of your control, Home Warranty offers solace when you need to deal with maintenance, repair, and replacement due to general wear and tear.

Usually put in place for a period of ten years, Structural Warranty covers defects in the foundation, load-bearing walls, beams, pillars and sometimes even wiring and plumbing systems. Not only does it keep you worry free, it also assures that any negligence on the part of the contractor is covered for without conflict.

 




Georgia, the state that has everything from marshlands to beautiful beaches! This state has many things to be proud of and on top of the list is the fact that its capital city, Atlanta is the birthplace of Dr. Martin Luther King Jr. For the 10 million Georgians out there, here’s an article that discusses some of the best home warranty companies in your state.

There are many home warranty companies out there, but some of them stand out from the rest due to an enhanced customer service and benefits that they provide. In this article, we are going to be talking about the top 5 home warranty companies listed on our website as of September 2015.

Home Warranty Companies in Georgia

1. American Home Shield (AHS)

Services Offered

Reviews about this company suggest that they offer excellent services when you get their coverage and they will always find the most professional work for the best deals. That is what home warranty services are all about and these guys do it extremely well. They have been in the business or a very long time and they know exactly what people need and what kind of plans they should be providing to them.

Client feedback

The general feedback from customers is that AHS is a truly incredible service provider that goes the extra mile for their customers and that is the thing that really makes them the best at what they do in the eyes of hundreds of customers who have left their feedback. This is the kind of customer feedback that can be extremely good and it can make a company gain a great reputation fast.

Plans Offered

They are offering some excellent home warranty plans that are going to be extremely beneficial to a lot of people. There are also many variations of each one of these plans and the price ranges are pretty good. There is a good chance that you will find one plan that will be ideal for your needs.

One of the best things they offer is the “Build Your Own Plan” option, which basically allows you to customize the coverage and this makes it even easier for you to get something that fits your budget and needs.

2. The Home Service Club

Services Offered

These guys really go the extra mile with their 24/7 customer service features and they will get people to repair an appliance of yours fast and efficiently. This is the one thing that makes the Home Service Club stand out from the competition in a very positive and appealing way. People like the idea of being able to ask for help at any hour of the day and even at the latest hours of the night. No matter how late or how early in the morning, they will have someone answering their phones and providing emergency services to you if necessary.

Client feedback

The client feedback for the company is predominantly excellent and there are many people who are always giving praise to their 24 hour availability. There is no doubt that these guys have earned a good reputation. There are a few disgruntled customers who report having to call third parties in regards to some issues, but 99% of their feedback is excellent.

Plans Offered

They have a standard plan which is good enough for most people and they have a comprehensive plan that gives coverage to a larger number of states.

3. Home Warranty of America

Services Offered

Home Warranty of America is very proud of the way they strive to simplify the lives of their customers. They provide help with very immediate responses and that is what makes them part of this top 5. This is the kind of customer service that needs to be provided to the customers if a company wants to be able to gain any kind of respect and positive reputation.

Client feedback

The Client feedback is for the most part very good and there are many customers who are very satisfied with the service. You will find that some people who own very old appliances will complain that they did not get assistance for those items, but most people seem very satisfied with the service. It’s remarkable to see a company with such a high rate of satisfaction from its customers.

Plans Offered

Their customizable home warranty plans are very efficient and a lot of people have mentioned that they have a lot more options available since they started using this company. This is one of the reasons why it’s so highly recommended to anyone that wants to get proper home warranty plans for their appliances.

4. 2-10 Home Buyers Warranty

Services Offered

2-10 Home Buyers Warranty has a host of online and offline services for their customers. They have a large contractor network of over 10,000 licensed and experienced technicians. The company takes pride that they have served more than 2.5 million American homeowners so far. The official website of 2-10 Home Buyers Warranty provides customers with the provision to manage their account online and also place and track claims through the Internet.

Client Feedback

This is a company that has been  in the industry for close to 30 years. They’ve built a strong reputation for themselves and is therefore a popular choice among new and existing homeowners. Feedback from customers was mostly positive with some instances of claim denials being reported here and there. Overall, this is a company that holds an A+ rating with the BBB and is also a favorite among homeowners.

Plans Offered

2-10 Home Buyers Warranty has different plans for homeowners, builders and real estate agents. For homeowners, there are two basic plans. A 10 year structural plan and a Systems and Appliances plan. For real estate agents, the company provides one year service agreements for townhouses, condos or multi-family homes. Builders can avail comprehensive protection plans that provide structural warranty and reduce the builder’s liabilities.

5. Select Home Warranty

Service Offered

These guys are known for their quick and efficient customer services as well as their ability to provide the most professional repair services for all the covered appliances. This is a very solid company that has plenty of experience and it has become quite obvious to their customers that they are in this business to stay.

Client feedback

The client feedback is extremely good for this company and there is a very small number of people who have complained about the services not being what they expected, but this is inevitable in any large business. Even when everything gets done as it should, there will always be someone who is not going to be 100% satisfied with the work.

Plans Offered

They have very good standard home warranty plans that cover a wide range of appliances and they also offer more flexible plans that allow their audience to fully customize their services. There is definitely nothing more important than having a certain degree of flexibility when you are working with any kind of flexibility plan and that is all that you really need to learn.

Conclusion

While this article discusses top five companies based on user reviews, we want our readers to understand that this is not some kind of authoritative list. Please do keep in mind that there is a large number of home warranty companies that are just as good and efficient as the ones we mentioned. We actively encourage you to go through our website and the user reviews on it before you make a choice. Plus we’ve got a free quote tool and listings of top home warranty companies serving in each state, which you are free to exploit.

If you think there’s another company that deserves to be on the list, do tell us about it and If you found this article useful, don’t forget to share it with your friends! Cheers!