Top Five Home Warranty Companies In Ohio

If you are a homeowner in Ohio, this is an article that can’t miss! Your home is probably the biggest investment in your life and you know it takes time and money to keep it running well. We’re sure that you would’ve considered a home warranty plan to save yourself hundreds of dollars in repairs and replacements. But are you sure you know about the best companies in your locality? This is why you need to know about the best home warranty companies in Ohio.

Home Warranty Companies In Ohio

Best Appliance Warranties In Ohio

 

Being the 10th most densely populated state in the country, Ohio does have numerous players in the home warranty sector. Yet, some companies have managed to outshine others with exceptional services and great products. You may already be knowing that our website ranks companies based on feedback collected from actual customers. We have also used these reviews to come up with the best home warranty companies in the country. So, based on said reviews, here are the companies that top the list of best appliance warranty providers in Ohio-

  1. American Home Shield
  2. The Home Service Club
  3. Select Home Warranty
  4. HSA Home Warranty
  5. Choice Home Warranty

We’d like to provide you some more details about the companies in this list. HomeWarrantyReviews.com has a detailed page for every company listed with us and we also have a statewise list of companies. So if you have friends and family in other states, do tell them to pay us a visit for getting their home warranty needs to be addressed.

1. American Home Shield (AHS)

American Home Shield (AHS) is a company that laid the foundation of the home warranty industry, Since its inception in 1971, American Home Shield has always been a popular choice among American homeowners. AHS has a nationwide footprint with even some parts of Canada being included in their coverage.

Being one of the first companies to sell warranty products, their experience is close to unmatched. All AHS home warranty plans are designed to cover major appliances and systems at reasonable prices. A typical AHS warranty plan would cost somewhere between $249 – $500+ and the deductible per service visit would cost somewhere between $75 – $125. The company maintains a massive contractor network of over 11,000 skilled and licensed technicians who are selected after a careful screening process. AHS, like most of the top players, maintains around the clock customer service facility and also runs an online claims submission program. Backed by strong reviews, this is one company that totally deserves to be on top of this list.

2. The Home Service Club

Home Service Club or HSC, is a company who considers themselves innovators in the field of home warranty. HSC’s primary focus has always been on providing the best possible service to their customers. The company’s coverage spans 48 states across the country. HSC believes that the frequent surveys and customer feedback programs they conduct are the reason why they are able to stay on top of their game.

HSC’s plans do not mandate a home inspection, neither do they place a restriction on the age of the appliances. A standard plan from HSC will cost around $400 and the deductible per service visit is charged between $65 – $125.

3. Select Home Warranty

Yet another company with huge popularity in Ohio is Select Home Warranty (SHW). Select has a vast national network of contractors and is also a company with a commendable tenure in the home warranty industry. Headquartered in New Jersey, this company covers anything from rental properties and condos to mobile homes.

For homeowners in Ohio, SHW provides three types of home warranty plans each varying in the level of coverage. On an average, SHW’s plans are priced between $299 – $599 and most plans have a service call fee of $60. This is yet another company that does not place a restriction on the age of appliances, neither do they mandate a home inspection.

4. HSA Home Warranty

HSA is a company with close to 30 years experience in the home warranty industry and they also have immensely positive reviews from their customers. Headquartered in Wisconsin, HSA believes that their success is attributed to the problem-solving capabilities and the commitment of their team.

Their primary product, the appliance warranty plan, comes in two variants for Ohio homeowners and they cost between $589 – $619 and their deductible cost ranges between $75 – $100. Customers are also given the option to extend coverage by adding items from a pre-selected list of add-ons.

5. Choice Home Warranty

Choice Home Warranty (CHW) is a company known for providing comprehensive warranty plans to their customers. The company claims that they can cater to the needs of homeowners, real estate agents, buyers and sellers.

CHW offers transferable home warranties to homeowners, buyers and sellers alike. Standard plans are priced between $370 – $450 and the average deductible charge is $60. CHW has a 24/7 customer service facility and also an online claims facility through which customers can manage and track the progress of their claims.

Before You Buy A Home Warranty

While we have indeed provided you with a list of some of the best companies, we recommend that you conduct ample amount of research before you zero in on a choice. Our website would be an excellent place to find out insights about home warranty companies across the country. We suggest that you go through user reviews and go through our statewise list of companies before you decide. We hope you found this useful and don’t hesitate to contact us in case you have a query. Cheers!






According to the U.S. Department of Energy, in 2011 natural gas was the most cost efficient way to run appliances and heat a home in the United States. And that may not have changed much since then. If you look at the 2014 Federal Register article regarding projections for near future energy costs by type it seems impossible to not conclude that gas is the cheapest way to run your home’s systems and appliances. While it’s true that each home is different in terms of energy use, it’s apparent that a home with newer systems and appliances that use gas instead of electricity are often much less expensive to operate.

But even if your home’s gas appliances and system components make you happy it’s still a great idea to consider whether or not there’s still room for savings in your monthly budget. That’s what I had in mind when I started looking at just how much it costs on average to run electrical appliances and gas appliances.

If you have gas heating for your home and a gas water heater then you probably already know that gas can cost less compared with electricity. That is, of course, if your home has up to date equipment with the highest available efficiency standards. But if you are still looking for ways to cut your energy costs each month then these are the three major appliances that are probably using the most gas.

Gas Appliances that Consume Highest Energy

The Dryer

According to statistics available on Pacific Gas & Electric Company’s website, a gas clothes dryer will typically cost the user between twelve cents and fifteen cents per load. It may seem like putting more clothing in the dryer at one time would reduce your energy costs, but that’s not always true. If you wind up running the dryer longer in order to get everything inside completely dry then your savings may be little if anything. When weather permits you can cut your usage by line drying clothing, but that assumes that you have a clothes line and the right environment for clothing to dry while staying clean.

Dishwasher

Based on the figures available on PG&E’s website you might see a cost of between fifteen and twenty cents per load when using a gas dishwasher. If your house is like mine then the dishwasher is running at least once per day. It’s hard, and in some cases unsanitary, to avoid using it.

The Oven and Stovetop

In addition to being the choice of many professional chefs, gas ovens and stovetop burners are also very efficient.  PG&E shows an average of twenty one cents per hour in gas cost for this appliance. One way you can cut your energy costs is to use the cooking timer on your oven if your model has this feature. Shutting the oven off automatically at the end of a cooking cycle can avoid extra gas usage and save money over the course of a month.

If you are hoping to calculate your own home’s gas usage, broken down by each appliance I would recommend you look at this free tool from PeoplesGasDelivery.com. It is recommended that you read about energy conservation tips for your home too. Cheers!




Anyone with a fully functional kitchen can tell you with confidence that a dishwasher makes a huge difference when it comes to reducing daily workload. Many other major appliances can also breakdown suddenly, so one needs to lookout for all the major appliances in the home along with the dishwashers. With the advent of new technologies and modifications in dishwashers, they have in fact become efficient in terms of water and power consumption as well. The newer models utilize even less water than hand washing dishes does!

Dishwasher Benefits & top tips on how to select the best one

Mostly, a dishwasher is priced around $800-$1000 and within this range, you are sure to get an efficient dishwasher with a reasonable capacity and silent motor. There are options within a lower price range but they tend to be louder and if you have a bigger load, then not all your dishes might come out clean. Having said this, they might be still adequate for your needs, and at the end of the day, it does depend on how often you use it and to what degree.

High-end dishwashers do come with their advantages, but in a sense, are very close to the mid-range appliances. They do tend to be quicker in washing a load, with additional racks and specialty zones with extra water jets, but if you dig deep enough you might find something which is similar within a $1000.

If the consumption of electricity and water is compared, a dishwasher is, without a doubt, more efficient. One cycle of vessels washed in a dishwasher of medium capacity utilizes about 3 to 5 gallons of water and 1 kWh of energy. Now it isn’t hard to believe that hand washing uses more water – in fact, 5 to 7 times as much – but interestingly even the electricity usage is higher when vessels are hand washed.  The electricity required to heat 20 to 30 gallons of water for hand washing vessels is three times what a dishwasher uses for a cycle.

According to these estimates, a dishwasher saves you anywhere between 300 and 400 kilowatt-hours of energy in a year, and a whole of 3000 to 4000 gallons of water. There is no doubt, dishwashers are one way to efficiently utilize the resources we have.

What’s more, the dishes washed in the dishwasher get a lot more sanitized than the ones washed by hands, for no other reason but the fact that the water inside reaches up to 160°F, a good 50 degrees more than an average hand can bear. These high temperatures handle grease and bacteria in ways that usual washing never can, making dishwashers an excellent addition to your list of household appliances.

What Not to Miss

Technology is always on the move and there is a new innovation every day! Dishwashers are no exceptions. Models are continually evolving; before buying one, do your homework. Give it some time and try and map out your average load size and frequency. How many times do you use a dishwasher? Daily or, twice a week? Do your vessels usually have high levels of grease and crust or are they easy to wash? The answer to these simple questions regarding your routine and style of cooking can help you narrow down a great deal from all the options that are now available.

Warranty is another extremely important feature – one or more years for free parts and repair is never something to take lightly. Especially when an appliance is used consistently, it is bound to need servicing and replacement of parts one way or another. And it makes sense for every homeowner to know how to effectively take care of all of the appliances, let alone dishwashers!

Modern technology has improved the dishwasher to a get extent, and manufacturers have even come up with models that function at nothing louder than a low hum. With chic controls, efficiency in energy and water use, stainless steel body, and interiors for zero rust and perks like water softeners built into the system so that your dishes are sprightly clean without any hassle, these dishwashers are no longer aesthetic eyesores. In fact, you are going to want to show them off! That said, there is no doubt that they are priced proportionately to their features, so be prepared before you stray to the high-end aisle in the showroom.

The world of almost-robots being a part of our daily lives is here and has entered our homes and workspaces. Many companies have also introduced “Smart” Dishwashers, which use sensors to check cleaning during wash cycles, allowing for customization of your machine settings to meet your load settings and retain optimum efficiency.  If you are looking for something in which you don’t have to interfere at all, then a smart dishwasher is what you need.

Buttons, Controls, Aesthetics and Styling

If machines can function all with sensors, then there is no doubt that controls have become a lot simpler. Whirlpool has introduced a dishwasher which functions with just a single push of a button – a One-Touch control.

Dishwasher controls can be broadly divided into push buttons, dials, and electronic control pads. While mechanical controls such as buttons and dials are a lot more reliable and actually easier to use, the trend has moved towards electronic for its style and trendy aesthetic.

Besides just putting it on, there are usually three kinds of cycles a dishwasher offers – Light, Normal and Heavy. Some washers also provide for a Gentle cycle for people who wish to wash fragile dishes made of crystal and china in dishwashers as well.

The last control is one that adds a timer to the mix, allowing the user to set the load to start at a later time.

Aesthetics have become extremely important when it comes to any room of the house, and appliances becoming trendier is the natural course that design is to take. Instead of hiding their dishwasher under a ledge or behind cabinet doors, people choose to customize the appliance to match the design of the kitchen. Usually, they come in tones of steel, white and black. Lately, companies have begun to offer customized finished to match their cabinet surfaces and tiles. In fact, companies such as ASKO have started a Designers Series in home appliances, with a variety of colors that can even be matched exactly to the shade of your wall or cabinet.

Dishwasher Capacity

Conventional dishwashers are generally of the same size because they are made to fit under a standard height counter which is 24 inches wide. European models are usually smaller than American ones. The most important element when it comes to the capacity of a dishwasher is actually it’s flexibility in rack sizes and shapes, allowing you to snuggly fit in a variety dishes and kitchen implements. Your options might include, terraced racks, fold down trays, and adjustable or removable stands.

Energy-Efficient Dishwashers

Post the federal regulations that were imposed in the late 20th century, dishwashers have become twice as efficient in the use of both water and electricity. This minimized usage is resulting in dips in owner’s electricity bills. Experts opinions and research shows that the maximum amount of energy used in a dishwasher is for the heating of the water, so many new models have inbuilt water heating systems that are localized and efficient. If you invest in one such appliance, then you should be saving up to 20% more on electricity.

Another perk of newer models is that they no longer require you rinse dishes off before you place them in. This not only saves time but also lands up saving water and electricity as the entire process happens in one go without any human intervention. Instead of using soak cycles which waste water, dishwashers have begun to use pressurized sprays to get dishes clean and dry.

Dishwasher Energy-Saving Tips

As we already know, most energy in a dishwasher goes into heating water, then the drying cycles, running the pump and lastly, powering controls. While shopping for a new dishwasher, picking up an energy efficient model is the first step to energy savings, however, there are a few tips on how you could use your dishwasher to the best of its capability.

  • Dishwashers that are being manufactured now are quite powerful, especially when it comes to cleaning. Skip hand-rinsing your dishes, not only would you save water and thereby energy, but also it would let your dishwasher do what it is meant to!
  • Do not over fill your dishwasher. This might lead to in dishes not getting cleaned properly, requiring more than one cycle.
  • There is a huge variety of washing cycles in dishwashers that are in the market now. Experiment and choose what suits your needs the best. The ‘power scrub’  or ‘heavy load’ option may not be necessary for every load.

Four Dishwashers Ideal for Daily Use

KitchenAid KDTE104DSS

KitchenAid Dishwasher

A trendy and efficient model which is also priced reasonably, the KitchenAid dishwasher is one of the quietest in its price range. It has electronic controls situated at the top of the unit, and its one-touch function comes with a Pro-Wash preset that can not only choose the right cycle type for the vessels you load but also alter its settings for more efficient cleaning as it is working. This real-time alteration of settings at such a price is one of its kind, and it also has added features of increased temperatures that kill virtually all the bacteria present.

Bosch 800 Series SHX68T55UC

Bosch 800 Dishwasher

If energy efficiency is what you are looking for then the Bosch 800 series is the way to go. Even though its setting and cycles are standard, elements of modernity are instilled within its functioning, wherein it costs much less to operate as compared to others of its kind.

Electrolux IQ-Touch EI24ID50QS

Electrolux Dishwasher

Electrolux is for individuals who want a dishwasher that can cater to a variety of dishes, materials, and sensitivities. With a very wide range of cycle options and controls, this dishwasher does include cycles that are energy efficient as well.

Samsung DW80F800

Samsung Dishwasher

If you have dishes to clean with crusts and heavy grease stains, then the Samsung DW80F800 is your go to machine. The jets on this unit surpass any other, and as it uses pressure over soak, this appliance is also energy efficient. As a perk, its interiors are stainless steel and resistant to any abrasions.

Home Warranty for your Appliances

Any daily use appliance is bound to sustain routine wear and tear, making its manufacturer’s warranty insufficient. Very rarely do we discard appliances once their warranty gets over, but what we don’t realize is that an appliance needs servicing and repair most once its company-given warranty runs out.

Enter Home Warranty, a simple solution to maintenance and servicing of your home, its appliances, and systems. Everything from scheduled inspections to routine servicing and a claim coverage which will assure that you owe virtually nothing, Home Warranty is an investment worth making. HomeWarrantyReviews.com has a databank of articles, reviews, top ranked companies and guidelines, all catering to consumers who wish to purchase a warranty for their homes. Join the community and look at the research and tools to truly get to know its wide-ranging benefits and policy options offered by companies in your state.




When it comes to appliance warranty protection plans, the choices are plenty. Should you buy a comprehensive home warranty or extended warranty at the point of sale? While home warranty is like an umbrella insurance that covers all major home appliances, extended warranty is purchased for each appliance separately.

extended warranty

Home warranties will charge annual premium and deductibles per repair incident but they can be purchased anytime during the life-cycle of the product. Extended warranties will charge up front fees, but no deductible per incident and these protection plans are generally sold during the initial stages of product’s use, although there are exceptions.

Generally, home warranties cover all used appliances, but extended warranties cover new items only. Recently, Warranty Week ran an article that questioned whether there is an overlap between the two. They interviewed several executives from home warranty and extended warranty companies. The general consensus appears to be that, there is some overlap, however two types of warranties serve different purposes.

Mike Frosch, president of The Warranty Group, North America, said “Home warranties are great, when you’re buying or selling a house and want to cover used appliances immediately. Service contracts are great, when you’re shopping for new appliances and want to extend the manufacturer’s warranty for additional years. So in a sense, the coverage may overlap, but the offers don’t really compete. When you buy a home warranty, for the sake of argument let’s say it’s $450. It’s a one-year coverage on used equipment. It’s providing some coverage on some amount of appliances, but it’s really about heating, air conditioning, plumbing and electric”

In our view, they do overlap if you are talking about big ticket appliances, but there is no need to buy both. If you are buying a new appliance, chances of it failing in the first 3-5 years is far less assuming you have researched the product before buying. So, there is no real need for extended warranties.

However, if homeowners still want peace of mind coverage, then they should simply go with home warranty as it covers all appliances in your home not just one specific product. The home warranty costs are higher than the extended warranty, however it covers far more items and you have a single point of contact for all repair needs.

Extended warranty companies argue that they provide better service and offer more economic protection plans. The argument is compelling on the surface, but keep in mind home warranties are useful where there is frequent need for repair such as old appliances.

We wonder what would be the service level if extended warranty companies offer maintenance service of 10-15 years old appliances such as heaters and air conditioners. The repair needs are much higher and their profit margins are much lower. Generally extended warranties are bought for new electronics items and repair incidents are much lower. For this reason, we think it is a wise decision not to buy extended warranty at point of purchase.




I am assuming that you recently faced a situation where you looked hours and hours for that thing you’ve been urgently wanting, yet ended up not finding it among the mess that is your home.

Well, its never too late to start organizing your stuff. It is not the easiest thing you will be doing, Martha Stewart has even  written a book on this topic. As you see, organizing can be hard work, but it does pay off.

Some of you possibly landed on this page owing to your love for organizing. Either way, I suggest that you continue reading.

Assess the mess. Determine how much organizing is needed. Write down the things you need to sort urgently. If you have kids, ask them to join you. You can turn decluttering into a fun activity, plus the extra hands help immensely. So, lets begin.

1. Find the important objects. Lets start with the main door. This is where the keys and other similar articles are often thrown around. Find a box or a bowl that you can place on a level surface. Put all your keys in it. Over the time, develop the habit of placing your keys in this bowl, ONLY in this bowl. You can also place your bills in this bowl, that way you won’t forget about any pending payments.

2. Locate the mess. Walk through your home. Observe where the stuff accumulates. Most homes have this one spot where everyone dumps all their things, Locate this part and place a shelf or at least a wicker basket there. You can label it as “Dump not-so-important stuff here”. This is not a very endearing method, but for those of you who are extremely lazy, this will help in keeping the mess contained to one single basket.Organize Home

3. Sort it all out. Get three large baskets. Or boxes, whatever you have. Start with one room and begin sorting through you things. Put all the things that you intend to keep into one basket, put all the things that you don’t need in the second basket and put all the things that you wish to donate into the third basket. Repeat this step in all the rooms except the kitchen. Yes, that includes the bathroom too. Once this is done set the boxes aside.

If your kids are helping you, tell your kids to put away the “Donate” and “Dispose” baskets/ boxes. Make sure that they don’t use that chance to run away so that they could skip helping you with the remaining sorting tasks ( Mind you, my helper disappeared halfway through finding a box for the keys).

4. Do some further sorting. Sort through the “Things you need” basket. This will take some time. You could turn on some music and make it a fun chore. Separate the objects based on function and priority. Or you could simply separate them based on their nature. Papers together, solid articles together, not-sure-what-category-they-fall-into together. Then proceed with sorting through individual categories. Eg, sort through your papers and separate them into bills, random stuff, notices, letters etc. Apply the same strategy to the solid and not-sure-what-category materials too (Told you it wasn’t easy). Once you have finished this Herculean task, proceed to step 5.

5. Don’t litter. Place waste bins in each room. This will immensely help in keeping your home clean. Kids have a tendency to throw candy wrappers and other waste material, under their beds because they are too lazy to walk till the kitchen where a big waste bin is kept. If there is sufficient space, you can also keep a laundry basket in each room.

6. Clean your wardrobes. This is yet another difficult task which I am sure you are dreading by now. Everyone has a messy wardrobe phase, its best to get over that quickly. Once you start a busy career, having to swim through your pile of clothes will not help you in reaching meetings on time (trust me on this one, my wardrobe was once a chair with all my clothes piled on it). Fold your clothes neatly or hang them if you have the provision for it. Separate your clothes based on their function, coats together, stoles and shawls together and so on. Sorting shoes may be easy, all you have to do is arrange them in a row in pairs. Well, if you are a shoe-maniac, Lord help you then.

Organize Your Home

7. Let’s go to the kitchen now. No, we’re not going there for a snack to make you feel good after all the hard work. We’re are going to do some more work. So begin with your shelves, throw away all the expired/ rotting/ unidentified objects.

You may think that its a good idea to spray some insecticides inside your cabinets, please DON’T do any such thing. Insecticides are lethal, if they touch any part of your food, you might get poisoned. Once you’ve thrown out all the bad goods, place all the remaining stuff on your counter, sort through them and put them back in the cabinets. Close the cabinets tightly.

8. Good storage means less mess. Find effective storage solutions. Remember all the stuff you sorted with the music on? It’s only going to return to its former messy state unless you put them away neatly. If you don’t have enough shelves and cupboards, get some, even second hand ones would do. Place them in common areas and arrange all your stuff on them. Arranging your jewelry can be difficult.

You can buy objects designed specifically for that purpose or you can simply hang them on an old wire rack. If you have little kids who throw their toys around, get a large basket and place them in a suitable location. Teach your kid to put all the toys back in it once he is done playing ( Yeah right ! As if this would work, you are going to have to put the toys back in yourself).

9. Use empty spaces. Be it a large one or a small one that hardly fits a book, don’t let any space go wasted. If there is a space that can fit a shelf or a cupboard, use it well. It will help a lot in the long run.

10. Avoid buying things you don’t need. Last but not the least, try not to go crazy when you are on a shopping spree. Think twice when you see something nice. If you are not certain whether you need it, don’t buy it. It will help you save tons of money and it will also keep your home clean.

Once you are done organizing your home, take a moment and recall how hard that was to do. I’m sure that it will serve you as a reminder next time you fling you coat somewhere. Feng shui says that your state of mind and health will always be better if you live in clean and organized surroundings. You know that’s true. The American culture is very avid about organizing, so you are sure to find some trendy and useful organizing stuff if you look for it. Well, enough reading, go on and organize your home. Good luck!




Buying a home is a cherished dream for many first time home buyers, a sort of milestone if you will. A home will probably be the most expensive purchase you ever make in your lifetime, which is why a lot of thought and consideration is given to it. For most home buyers, especially, first timers, the financial cost alone is monumental. If you are someone who is planning to buy a home for the first time, we’d like to warn you about some of the biggest challenges that you will face.

First time home buyers

For convenience, we’ve sorted the challenges into two categories – Financial challenges and maintenance challenges. Let’s begin with the financial challenges.

Major Financial Challenges: For The First Time Home Buyers 

Down Payment

Most buyers cannot afford to pay the entire price in one go. They will typically opt to get a home loan. However, even if you do opt for a home loan, you will still have to pay the down payment, which is a lump sum anywhere between 3%-20% of the sales price of the house. This is often a rather big amount which you will have to arrange yourself. The rest can be paid off with a house loan.

Credit Score

Your credit score is a numerical representation of your creditworthiness. It is often used to estimate risk involved in lending money or resources to a person. Credit scores also decide at what rate of interest a loan should be given to you. So if you do have a house loan, your credit score will be hugely affected. Should you require a loan before your home loan is paid off, the chances are high that such a loan would either be difficult to get or would come at a high interest rate.

Tight budgets

It goes without saying that purchasing a house will take up a huge chunk of your savings. Since you’ll also be using up money to furnish/decorate your new home, you’ll most probably be left with a very tight budget leaving very little room to afford holidays or other recreational activities. You’ll also be paying monthly installments to the bank to pay off your house loan for the next decade or so which would mean that the tight budget will remain tight for a very long time.

Home Maintenance Challenges: For The First Time Home Buyers

Maintaining a home in good condition is no easy task. It is not pocket friendly either, especially when the home is 4+ years old. First time home buyers find home maintenance very taxing, mostly because they are new to this. So, if you are one among the first time home buyers, then here are some things you should worry about-

Leaks and Squeaks

Leaking plumbing is a messy and inconvenient event. It could also cause further damages to the house. Fixing one requires skill and sometimes hefty sums of money. Leaks are one of the most common issues reported by first time home buyers and handling it will require the services of a skilled plumber.

Appliance Breakdowns

Possibly the most expensive kind of maintenance challenge that you will encounter is an appliance breaking down. Big appliances like built-in refrigerators or the HVAC units cost a lot and replacing them could cost you heavily. Sometimes a repair job could fix the issue, but even that requires the skills of an experienced technician and some amount of money.

Preparing Yourself For That Big Purchase

Houses or any kind of property are often considered as solid investments with a very little scope for depreciation. Hence, buying a home is often positively encouraged. Although they are expensive, they could be an asset unlike any other in the long run.

If you did buy a home, your homeowner duties don’t end there. Home maintenance, like we said before, is not an easy or cheap task. This is why most American homeowners swear by a home warranty plan. For older homes, an appliance warranty plan is your best bet for budget protection. They are affordable and come in wide range of coverages. All you need to do is alert your home warranty company when there is a breakdown and you can get the repair done at a nominal fee! Also, it is strongly recommended that you get a home inspection done before moving in to reveal potential damages with the house. It will also help you in deciding whether you need to look for another house if the damages are too many. We also recommend that you read up on whether your need a home warranty or not.

If this article got you worried, we would like to sincerely apologize. We were merely giving out pointers on what to expect when you don the shoes of a homeowner. And like we said, buying a home is a serious step and it comes with an immense sense of accomplishment for many. So if you’ve found your dream home, go ahead and get it! We wish you all the very best with your new home. Cheers!




For many of us, the idea behind a home and having our personalized space and groove is indisputably linked to having access to our own kitchen. A service and task from your daily routine which hotels and resorts pride themselves in taking care of for you, there is still a joy in waking up to your own perfectly made cup of tea and eggs.  In fact, it has become a space of coming together, from homes that cater to large families with grandparents and children to even bachelor pads for the studying and working young adults.

The lack of time that a working mother of two or a student cramming late nights at the library can give to the kitchen has not necessarily cut down on the use of it. Instead, the focus has become how to renovate and modify a kitchen in the best possible way, how to make multitasking a possibility and how best to utilize the space at hand it make tasks both quick and fun. Efficiency supersedes all else, closely followed by cooking as a community activity – making open kitchens the top trend of the twenty-first century.

Kitchen Renovation Ideas

When starting work on a brand new kitchen or renovating an old one, getting down on paper (and even just feeding in quick pointers on phone apps like Evernote, Google Keep, and Wunderlist), a clear idea of its layout and maximizing the space utilization is the first step. Even though each individual’s usage of a kitchen is subjective, the primary modes of functioning do remain the same.

If a kitchen renovation and remodel is in the books for the near future, there is little doubt that the words ‘Golden Triangle’ have come your way. A technique that is often used by interior designers and architects as the starting point for drawing out plans, the concept of the kitchen work triangle has a lot of subjective routes you can choose to take, best suited for your needs.

The plan fundamentally starts with the placement of three key elements and their positioning – the cooktop, the sink and wash area, and the refrigerator. As efficiency takes the front seat, it’s ideal to be able to reach one from the other without any obstructions.

The Basics Of Kitchen Renovation

Originally worked out in the mid-twentieth century, the Golden Triangle is applied using four essential rules:

  1. The distance between any two appliances should be more than 4 feet long and less than 9 feet long, making them both accessible and yet not hazardously close to one another.
  2. When added up, the perimeter of the triangle should be no less than 13ft and no more than 26 feet.
  3. Movement, traffic flow and access inside the triangle should be minimum, helping you guard against any accidents.
  4. Other storage cabinets, platforms, and appliances even in the periphery of the kitchen shouldn’t extend any more than a foot into the space of the triangle.

Why the Triangle at all?

Why should a rule established almost a century ago still hold value in today’s changing view of a home and kitchen? Well, for starters, the rules are all about simple space and design and are built to accommodate key kitchen appliances efficiently. Secondly, the rule has been modified by designers along the way to accommodate for newer additions to the kitchen – microwaves, ovens, mixers, dishwashers and even coffee makers for example.

A key addition has been the addition of a second triangle, creating a secondary layout for appliances that are used less than the cooktop and sink but are essential to daily routines. The second triangle accommodates for a dishwasher and dryer, microwave and one often used plug-in appliance.

What Bothers You Now?

Try and narrow down the issues you face in your present kitchen format. A spill when you move a hot pot of stew to the side to cool off or draining spaghetti in a sink that is too far. Look at the little things, the cupboard corner that you stub your toe on every so often or the burnt butter before you reach for seasoning from your refrigerator. Though planning is a part of the cooking process, a pre-planned kitchen layout can shorten the entire procedure.

Assessing What You Have

If it’s a remodel you are working towards, a good way to start is by assessing the present kitchen triangle and its shortcomings. Measure it through and see if it serves its purpose. Each kitchen layout and size will call for a different triangle, but it is key that nothing intersects or protrudes and the lines remain clear and accessible from all sides. Even a trash can or breakfast island and stools can be a major obstruction even if they are slightly out of place.

Personalize Your Kitchen

Look at the Golden Triangle as less of a rule and more of a guide or suggestion. Feel free to make changes, especially in a way to suit the space you are working with. In fact, many studio apartments have kitchens set up on single walls, making triangles impossible and yet making accessibility and measurements key.

The Periphery Of The Kitchen

Outside of the triangle or its semblance, a few simple pointers of putting the dishwasher next to the sink, cooktop utensils close to the stove and serving dishes and cutlery closer to the table can create a balance between tasks. Splitting the actual cooking from the serving and consequent clean up can help declutter the space.

Safety as a Part of the Kitchen Layout

Besides the efficiency of usage, safety plays a large part in how a kitchen is designed as well. Regulations have been set down regarding minimal requirements for distances between cooktops, ovens and sinks, as well as for ventilation and windows and where they should be placed.

The stove and oven have to be placed at a distance of at least 2 feet from the sink, with a distance of 2 feet 6 inches above it for ventilation. Ideally, the main door and cabinet doors shouldn’t open onto the cooktop either.

As a precaution for fire, a chimney above a cooktop is great but a window can be counterproductive. Air blowing in can extinguish the existing flame and cause an unidentified gas leak, as well as blow a large flame and cause other objects to catch fire.

Home Warranty for Kitchen Appliances

As an extension to your renovation plans, a kitchen’s functionality depends on its appliances to a great extent. That being said, maintenance of appliances can be a hard thing to keep track off, and the prices do tend to increase with time.

Whether you plan on retaining old appliances or purchasing new ones, a Home Warranty as an extension to the existing warranty of the appliances is a good idea. While insurance covers unforeseen circumstances, Home Warranty looks at daily wear and tear of systems and appliances of the house, allowing you to claim repairs and replacements when required. In fact, most companies provide you with repairmen as well, cutting your involvement to a very small percentage both in terms of time and expenditure.

If you aren’t sure about investing in a warranty, HomeWarrantyReviews.com gives you access to a simple Home Maintenance Calculator. Feed in information about your home and in under a minute you’ll have estimates of maintenance costs down the years with and without a Home Warranty in place.

 




Building insurance is a type of insurance most people don’t know enough about. This is the cover that provides for dealing with storm damage, accidents, malicious damage and a range of other things most people understandably prefer not to think about at all if they can help it. Building insurance is a type of “catchall” insurance, which covers damage to buildings which can run into very heavy costs for owners. So how do i insure a building? Read this article to get clear insight about building insurance.

Insure a Building

Buildings and risk management

This is a very versatile type of insurance, and it needs to be. Building damage can include some extremely difficult, capital-intensive issues that owners have to deal with quite regularly. It’s a form of investment protection, very common in commercial properties, to deal with the risks of businesses. If you own several million dollars worth of building, you need to know you’re properly covered.

The fact is that any type of building ownership includes a lot of basic risk management by definition. If you own rental properties, you’ll be well aware of the possibilities of damage from various sources, and the fact that premises really need to be maintained. Damage has to be fixed, and if that damage isn’t adequately covered, it’s money out of pocket upfront, a loss in any terms unless you have a very good homeowners insurance policy.

That’s not good business practice, and it’s exactly what building insurance is designed to deal with. For homeowners, the issues may be different, but the principle is the same. If you’re paying off a mortgage, and the budget is looking a bit fragile, the last thing you need is building damage running into thousands or tens of thousands of dollars. That whole scenario has to be covered, and covered properly.

Building insurance basics

The best approach to building insurance is to take a long hard look at your needs and then start shopping around for insurance that covers your needs. You’ll probably be surprised to hear that online buildings insurance is quite easy to get, complete with upfront quotes and adjustable cover, which can be tailored to your needs. This is the new paperless insurance, bureaucracy-free to the extent that it’s possible to be, and it’s getting a lot of market share because it’s highly efficient for both private and business purposes.

The shopping around needs to include:

  • Clear understanding of policy values. This is critical. Ask questions, and you’ll get straight answers. The insurers need informed customers, particularly about cover values. Sales and quality are now inseparable in this highly competitive industry, so expect good offers and good information.
  • Clear policy operation values: How a policy is operated, including outlay on premiums and policy variations is often critical, particularly to people having property portfolios to manage. Efficiency pays off in time and value, so go for the best you can get in these areas.
  • No “grey areas”. Best practice in insurance includes Product Disclosure Statements, and these statements are comprehensive. Read them.

Buildings insurance is easy to get and easy to manage. Stay in front of the issues, and your cover will do the rest.




Since you searched for this online, it is possibly true that you are frustrated beyond possible limits, because your Insurance Company, that you hired to make your life easier, is in fact annoying you. Let’s not waste time, this article explains the strategy that you must adopt in the event that your Insurance company acts tough on your claim.

Let’s take you over the essentials first. The points that follow must be adhered to , otherwise you stand a chance to lose the fight against the Insurance company.

General guidelines

Pursue Insurance Claims

 1. Information

Gather all the information you can regarding your damaged device eg Manufacturer’s name,  model no, batch no, claim center’s details, basically anything that is required. You should have them ready before you call up the Insurance Company. Keep the info that you gathered in the same place, this is will make accessing them easier. Keep your policy booklet and contract ready as well.

2. Maintain Call logs

Once you have gathered all the required information, call the Insurance company. It is suggested that you don’t place your call on Mondays as it is the busiest day of the week. You should keep records of the following:

  • All communication with your Insurance company must be noted down precisely. Details about the following are most significant.
  • Time, date and duration of the call.
  • Name, ID and call center location of the representative you spoke to.
  • Name of the supervisor to whom your call was transferred.
  • Details about the content of your communication.

3. Be nice and pay attention

Remember that being rude is not going to reap any rewards. The Representative on the other end of the line is possibly more frustrated than you are as they have to deal with annoyed customers like you all day.

  • Greet the Representative back, make sure that you have gotten his name and other details right.
  • Politely explain your grievance, ask for their help, give them details that are required.
  • Tell them why you think your claim should be processed.
  • Always keep in mind that your fight is with the Company and the representative has nothing to do with it.

If you follow the above two rules, you might get a positive response from the Insurance company soon. But there are cases where even good manners and genuine claims fall on deaf ears. If you are experiencing something like that, read on.

They still won’t listen- What to do ?

Call them up at a later time:  This may help if the representative you talked to is a kind fellow. Or they may decide to help you just so that you stop annoying them with constant calls. Give it a try.

Speak with a supervisor:  We are not sure how much this would help, but it is still worth a try.

Threaten them: Yes, you read that right. You probably had thought about it already. First, tell them that you had been a loyal customer and that you will be disappointed if your issue is not resolved. If that does not work, threaten them by telling them that you will terminate your contract if your grievances are not solved immediately. When you do this, they will ask you why you want to terminate your contract. Proceed on telling them how your constant pleas and calls were ignored.

Threaten them some more: It might be helpful if you threaten them by saying that you will tarnish their reputation by bad mouthing them. Declare that you are going to publicise the details of how you were treated and you can even tell them that you will announce the same through various social media.

BBB: The Better Business Bureau (BBB) is one such institution that mediates between the customers and the businesses to resolve issues. Place a complaint with them . The BBB is not a government run organization, however they are advocates of integrity and ethics. They do keep records of all the complaints. No institution wishes to be in the bad list of the BBB.

Attorney General’s office: If you genuinely feel that you are being victimized, you can complain to the Attorney General’s office. They will conduct enquiries and try to resolve the issue. If you do not wish to do this, then simply threaten the Insurance Company by telling them that you will complain to the Attorney General’s office.

Last resort: The lawsuit threat. This should not be used unless your case is that compelling. Most biggies in the Insurance field have their positions covered legally and you may lose unless you have a strong case against them.




On our website, we have a host of comparison tools and a good number of informative articles related to home warranty plans.

We don’t want to single out a plan that’s the cheapest out there, but we can help you find one that suits your budget and offers value for money. This website also provides ratings and reviews of all the leading Home Warranty companies, so you can choose the best companies here.

How to choose the least expensive company?

Inexpensive home warranty plans First, compare top home warranty companies in your area and choose the ones you like. Then sort them in the order of annual premium, this will give you the list of companies with lower premiums. You can also sort by Deductible to find out who offers the least amount of Service Call Fee per incident.

May we also suggest that choosing a plan based only on costs is not a great idea. Sometimes, these inexpensive plans may omit a lot of appliances and perils and you may end up paying for something that does not benefit you in any way. On an average, appliance warranty plans range anywhere between $250 to $1000 per year. In addition to this you will have to pay a service call fee each time you raise an issue

So, how do you choose a plan that provides value for my money?

First, select a reputable and highly rated company and then select a plan that best suits your budget.

How to choose the best rated company?

On the same page, sort companies by Weighted Avg. Rating option. This will give you the list of companies with top consumer ratings.

Selecting a good home service contract company is an imperative as the quality of the company will be reflected in all the services you receive from them. Ideally a good company is one that

  • Offers a variety of warranty plans that have varied coverages and options.
  • Does not over charge or charge extra fees
  • Places the well being of the customer above profits
  • Offers services by qualified and experienced technicians.
  • Does not deny claims on vague grounds.
  • Has a round-the-clock customer service facility.
  • Does not cause unnecessary delays in processing claims
  • Behaves ethically.

More often the company with highest ratings is likely to meet these criteria.

Benefits of a Home Warranty Plan

If you choose the right company and plan, it will offer the following benefits:

  1. Budget protection against unexpected expenses incurred due to repairs and replacements of damaged household devices.
  2. Covers all the major appliances and systems in your home.
  3. Increases the value of your property at the time of sale.
  4. Comes at a cost that is only a fraction of the cost involved in repairing damaged devices.
  5. It will repair your devices if the damages are the ones that are not omitted by the plan. If necessary, the damaged appliance will be replaced with a brand new one.
  6. You will not have to look for a technician when a problem arises. You will just have to place a call to your warranty company and they will send a technician to your doorstep to evaluate your issue.

Although these features are offered by a majority of the Appliance Warranty plans out there, there a few things that you must keep in mind.

  • A home warranty company will always try to repair and not replace your device.
  • Some not-so-good companies can deny your claims on vague grounds or by stating fine print from the warranty contract.
  • There may be conflicts regarding the diagnosis made by the technician. In some cases you may feel that the problem is something else and not what the technician diagnosed. In such cases, the appliance warranty company may listen to the word of the technician.
  • Pre-existing conditions are not covered by many companies. So it may not be a bad idea to get your home inspected before availing a home warranty plan.
  • Issues caused due to improper maintenance are also not covered.
  • Only the common appliances are covered in an appliance protection plan.



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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A home warranty protection is a form of insurance intended to protect homeowners from expensive repairs of appliances and systems. In average home warranty plan, homeowners are required to pay a flat rate deductible for each service call other than an annual fee. Sometimes a seller will put home warranty as a part of the package when negotiating the sale of a home. Other times you may desire to procure a home warranty so as to protect yourself against repairs that may become essential on your home. Though a home warranty will not cover pre-existing conditions in your home, it can be useful way to reduce unpredicted expenses when you possess a home.

Cancel Home Warranty

How to call off Home Warranty?

While home warranties are beneficial to useful older appliances, some homeowners discover that they don’t need the home warranty plan any longer. When this happens the homeowners must take several steps to terminate the home warranty plan so as to avoid additional charges.

Step 1

Get in touch with the home warranty company by telephone to talk to a representative. Tell the representative that you desire to terminate the policy. Inquire the representative about the standard process for terminating.  Ask particularly whether you may expect any prorated premium refund and about cancellation fees. The representative may inform you that you require sending the warranty company a written notice of termination. Obtain the mailing address from the representative along with the representative’s name. If there is an option to cancel by phone you can avail that option, but using snail mail is a better option as you will have a proof of cancellation request.

Step 2

Write a notice to the home warranty company in order to inform them that you want to terminate your policy. Date the notice with the current date and state your policy number and dates of coverage in the notice. Specify the prorated refund information you received from the representative and add the representative’s name. Sign your name at the bottom of the notice.

Step 3

Send the notice via registered post or courier to the address you received from the warranty company representative. Make sure you keep the receipt.

Step 4

Wait for a check from the warranty company with your prorated premium refund. The refund may have a cancellation fee removed from it.

How to End an American Home Shield Warranty?

American Home Shield is 35-year-old company that focuses in offering home warranties. Well-liked among homeowners, contractors and real estate companies, American Home Shield has a wide assortment of appliance, central heating and cooling, and water heater warranty products.
If you are certain to call off your AHS home warranty service, make sure to avoid potential problems by cautiously reviewing your warranty contract before commencing the cancellation process.

Instructions

Step 1

Assess the original American Home Shield contract. The company contract is state-specific with termination terms that are planned to obey the individual states’ consumer protection laws. To avoid being charged unforeseen fees, evaluate the contract before contacting American Home Shield. In case you don’t find your original contract, send a letter via certified postal mail to American Home Shield requesting a copy of the contract for personal records.

The address is as follows:

American Home Shield
P.O. Box 849
Carroll, IA 51401-9901

Step 2

Write a cancellation letter asking for the termination of services. This letter must have the warranty holder’s name, service address, and account number. It should also request that the warranty service be terminated 30 days from the date of the letter. American Home Shield needs a minimum of 30 day’s notice, so set your mind to shell out for an extra month of warranty service.

When mailing the letter have an extra copy mailed to the credit card issuer or the bank being drafted for the automatic monthly payments. Ensure to add a CC postscript to the letter sent to American Home Shield so that it is known that bank has been informed. Do not try to email, fax or call customer service to make cancellation requests, as the receipt of these requests can be difficult to verify.

Step 3

Call credit card issuer or the bank handling the automatic warranty payments and inform the customer service representative that the account is listed to be terminated. Confirm that the copy of the termination letter has been received, and notify the representative of the last expected payment date. Detail the date and time of the phone call along with the name of the representative spoken to.

Step 4

Contact American Home Shield via registered mail requesting for written verification of warranty cancellation. It can take up to 5 weeks to obtain this written confirmation, and once you get it, file it away with the original contract.

Once the cancellation has been verified, watch bank and charge accounts for been confirmed, watch bank and charge accounts for unlawful deductions made by American Home Shield. If money is drafted from an account 30 days after the termination request is made or after termination has been confirmed, call the bank or card issuer. Offer to fax the written cancellation verification and in most circumstances, the bank or credit card issuer will repay the additional charge.




For the majority of people procuring or selling their home is an important undertaking. So what happens when a real estate closing goes skewed? How can you make sure that your interests are fully protected?

At the law offices, the attorneys offer experienced and knowledgeable legal services to clients involved in real estate disputes.

Real Estate Experts

What all real estate professional must know in order to avoid leaving himself exposed or susceptible to unnecessary lawsuits?

When you imagine about the golden boys of real estate sales, do you call up images of pencil pushers filling out paperwork, documenting transactions, grunting through the trail? Or do you picture the pro with the gift for gab, the Wonder Kid of real estate property elocution; the kind who is to the point at the art of playing matchmaker between buyer and property?

This kind of pro who is off the charts and on the game doesn’t worry about documentation. Why? He’s too busy leaving prospective buyers in a state of shock, open mouthed, standing frozen at the cherry wood stained floors, eyes shining with the gape of remembrance of things past- as the Wonder Kid has brought him back to the very home he now stands in, as if – it would seem – it has been time – traveled straight from his childhood into the present and rebuilt for him alone.

“I’ll take it. Whatever the cost.”

Watch it. This hotshot is the poster child for being taken benefit of. Small details ignored could give you expensive outcomes. It is important to keep in mind that in a controversial society, no one is excused from liability, but there are safety measures that can be taken.

Before knowing the steps to protect your professional reputation, we can talk about the reasons why the trend toward litigation is growing rapidly, mainly in this industry.

Alternative Financing Options are great at making the dream of homeownership a reality for a lot of Americans, but they are increasing difficulty of transactions. With so many cooks in the kitchen expecting a payout, when deals fall flat it creates a Mecca for controversial opportunities.

Merging, Acquisition and Consolidating of real estate companies is causing chaos on data systems and the organization of information. This increases chances for important pieces of data to fall through the cracks and create gaps in the paper trail.

Increase Call for Further Documentation of all dealings and an overall record of the entire process is throwing more curve balls at real estate sale agents who may be hiring small armies to help them in capturing the thorough details. For instance, if a home warranty is recommended verbally by the seller, it’s better to get it in writing from the buyer if he turned it down. if not, realtors may be raising the cost for risking a home warranty lawsuit.

Realtors as Sitting Ducks– A lot of realtors wind up the natural scapegoat as blame usually defaults on them. For example, this takes place through property defects being disclosed after the sale is made – however unplanned – the agreement for lawsuit normally involves the realtor had been aware of the fault.

Risk Management for Every Realtor

  • Recommend a home inspection
  • Develop improved documentation precis
  • Practice clarity in communication
  • Be fair

Recommending a home check is practical and it builds faith. Most new homeowners will not miss the logic in this age will have the same opinion. Those who decline should sign a waiver which documents their decision to refuse. In this way, you will be free from harm should it turn out that there is a household system or appliance in need of repair, in the future. Should the new owner become unruly and make false claims suggesting you had never recommended the inspection, you have it in writing and there is no case.

What else can you do to defend against the threat of legal pursuit? Begin with a property disclosure form and use a standard sales contract. Ensure your staff is detail-oriented and on top of their game with record-keeping. Wording in all documents must be as to the point. Ambiguous language presents more opportunity for debate. Like any other transaction involving the exchange of currency, it is not sensible to carry through transactions with family members or friends.

The final thing a realtor can do to prevent the possibility of legal pursuit is simple enough.

  • Always observe a high code of ethics and carry all business transactions with honesty.
  • Keep the slate clean and the unblemished reputation will surely follow.
  • Stick to higher ground, and consider, the threat of litigation will always appear in the not-too-far-off distance – so do what you can to prevent legal pursuit.

==>Click here to get the Quote For Home Warranty.




December 1, 2014 : In what appears to be a significant development that may change the dynamics of the home warranty industry, Fidelity National Financial (FNF), a fortune 500 company announced on Monday, Dec 1st its plans to acquire Buyers Protection Group (BPG) holdings, a leading provider of home warranty and home inspection services in the nation.

The buyout is subject to regulatory approvals in many states. Fidelity National did not disclose the financial terms of the deal as of this writing.Fidelity National Financial

“The combination of BPG and Fidelity National Home Warranty (FNHW) will make us the largest home warranty company in California, provide a meaningful increase to our market share in Texas and give us added scale in several other states,” said Billy Jensen, FNHW President and CEO. “Our combined home warranty business provides a great opportunity to continue with our nationwide expansion efforts and the home inspection services platform provides a substantial opportunity for further future growth at FNHW ”.

Consolidation in Home Service Contract Space

The home service contract industry is restructuring itself in recent times. Two of the biggest companies opened up their wallets to buy out companies this year, while 3 other smaller companies filed for bankruptcy. For an industry of size $2b, these are significant changes.

American Home Shield, the oldest and the leading home warranty service provider in the country completed acquisition of HSA home warranty in the first quarter of 2014. The proposed acquisition of BPG by Fidelity National marks the end of an unusually active year that changed the market share allocation.

The year 2014 also witnessed three companies going out of business. Colonial home warranty, a New Jersey based company filed for bankruptcy in March this year. Sensible Home Warranty closed its doors in May and Certified warranties corporation halted its operations due to financial difficulties in October.

About Fidelity National Home Warranty

The journey of Fidelity national home warranty began in 1995 as Alliance home warranty company, later acquired by Fidelity National Financial in 1998. Since then the the group has seen several acquisitions and has grown to be a leading player in the home warranty segment.

Fidelity National Home Warranty currently operates in California, Arizona, Nevada, Texas, Colorado, Washington and Oregon and has plans to expand to several other states.

About Buyers Protection Group

Headquartered in Alpharetta, Georgia, BPG offers home warranty and home inspection services. The company has been providing home warranties since 1987 and currently operates in 14 states. BPG runs its two verticals, home warranty and home inspection services as separate businesses. BPG also owns HISCO, a home warranty company that serves the state of California.

Both Fidelity National Home Warranty and BPG Home Warranty are charter members of National Home Service Contract Association (NHSCA).

Both the companies Fidelity National Home Warranty and BPG Home Warranty are profiled on our site and you can find more details about these companies.




There are few home warranty companies that do not charge service trade fee or “deductible”. If you are looking for such companies, please read on. Please note that we do not endorse any of these companies.

IMPORTANT: To read most recent list of companies that offer Zero dollar deductible, please visit our Home Warranty Plan Comparison section and sort the companies by Deductible (low to high)

Zero Deductible

Home Warranty Plans with No Service Call Fee

Following are the home service contract companies that offer zero deductible as of this writing:

  1. Complete Protection
  2. UtilPro Appliance repair
  3. HomeServe USA
  4. Stanley Warranty
  5. Hi Tech Home Warranty
  6. Certified Warranties
  7. AHPS Home Warranty

As a website dedicated to offering honest information about the various matters related to Home Warranty, we have collected the feedback of several appliance warranty customers in the form of reviews. Please check out our tool to find top rated home warranty companies in your area. There, you can sort through the various companies based on their premium amount, deductible amount, ratings and total reviews.

What is a deductible?

In an insurance policy, a deductible is the sum of money paid by the insured party before an insurer will pay any expenses. It is usually a fixed amount and is a part of most policies covering losses to the policy holder and must be paid by the insured before the insurance company’s own coverage plan begins.

For example, an auto insurance policy may bear a $500 deductible. If the owner of a car hits another car by mistake while parking and both drivers decide that the loss is minimal, he or she would pay the repair bill $500 out of his own pocket. Insurance companies would not support a claim for such small damages. Based on the incident, the deductible may apply per covered incident, or per year. For policies where we can’t restrict the incidences, the deductible is usually applied per year.

What is a premium?

An insurance premium is the definite amount of money charged by insurance firms for active coverage. Cost of a premium can differ widely for the same service, which is why experts strongly suggest getting several quotes before committing to an insurance policy. Insurance brokers or agents takes basic information from people and evaluate an insurance premium estimate depending on the answers and other factors.

The lowest quoted cost on a premium may be the better deal, but the level of coverage may also be lesser. Insurance premium is mainly based on statistics, while people’s habits and history can cause the premium to be lower or higher. For example, a 22 year old male looking for car insurance for a sports car can often predict a higher insurance premium than a 45-year old woman driving a mid-size sedan. Both may perhaps have excellent working records, but the insurance company considers the younger driver in faster car to be at more risk for accidents. Thus, the premium quotes will be clearly different.

In general, a faster car will cost more to insure, just because the owners of those vehicles tend to drive faster. The amount of a deductible is typically related to the amount of premium charged by the insurers. That is, higher deductible amount are usually related with lower premium rate and vice versa. Try to find stability between reasonably priced premiums and a fair deductible when buying insurance.




There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC).  HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.

Fake Reviews

Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company.  Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.

The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services.  Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.

Penalizing Companies Posting Fake Reviews

There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a  sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!

Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible.  Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot.  Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product.  Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials.  Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.




2-10 Home Buyers Warranty is in the process of launching Green Advantage Warranty as part of protection assurance programs for new and upcoming green building initiatives.

Green Advantage Warranty

The 2-10 home appliance warranty company offers Green Advantage Warranty to builders who meet eco-friendly standards. Builders need to build homes that fulfill the requisites of Energy Star, National Green Building Standard (NGBS), or Leadership in Energy and Environmental Design (LEED) standards.

Green Advantage Warranty includes repairs and replacement of Energy Star certified products and appliances. Coverage includes the replacement of green labeled items, engineered wood products, sustainably harvest lumber, low or no emission finishes and recycled products with accordance of applicable national certification standard.

Scott Cromie, Chairman and Chief Executive officer states that “With one in four homes now certified by green building standards, it is clear that home buyers want a more eco-friendly home, and that offering warranty protection that targets these values offers builders a clear competitive edge,” and also reports “Our new Green Advantage Warranty represents 2-10 Home Buyers’s Warranty commitment to greener business practices, and celebrates the home builders and home buyers who want a greener home and lifestyle. We’re proud to offer a product that meets these standards, while continuing to provide the same leading, trusted protection our company stands behind.”

Builders interested in participating are encouraged to call 877.777.1344 for more information. You can register to 2-10 HBW Green Advantage Warranty, just by adding up a minimal additional fee over the existing standard rate. It is as simple as checking a box next to the certification standard on 2-10 HBW’s Home Enrollment Application.

Green Advantage Warranty is an added policy to the company’s existing home warranty package, including one, two and ten years of coverage offering for new construction home builders. Company’s 10 years warranty covers structural warranty defect. Under the policy of 1-2-10 warranty one year of surety coverage of workmanship and materials. Two years of warranty also covers on systems.

About the company

2-10 Home Buyers Warranty® is in market for more than 30 years, now the company has offered customers and their homeowners the most comprehensive warranty program available. Whether you’re building, selling or buying a home, 2-10 Home Buyers Warranty offers a complete line of warranty, service contracts and risk management products. Since 1980, 2-10 Home Buyers Warranty has provided warranties and service contracts for more than 5.5 million new and pre-owned homes.




Here’s a funny pictorial story that gives a peek into how does a Home Warranty work. Mr.Fox here is our friend who purchased a home service contract. His beloved washing machine crashed one day while the contract was still valid.

How Does a Home Warranty Work

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Now, back to the story.

Mr. Fox had an appliance warranty, so he did not have to

  • Look for a technician
  • Pay for repairs
  • Carry the device to a service center
  • Do the repairs himself

Mr. Fox simply called the home warranty company who in turn called up a service contractor with whom they maintain business ties. The warranty company sent a technician to Mr. Fox’s home to take a look at the appliance. The tech fixed the issue right there as it was a minor problem. You see, if the problem was big and if parts needed to be replaced, the tech would have had to wait for the approval of the warranty company before doing it.

Once the problem was fixed, the tech collected the service call fee and departed his way. Mr. Fox lived happily ever after resting assured that if his appliances crashed, he would always have his home warranty company to rely on!

The end




If you are someone trying to sell your home at the best possible price, you’ve landed at the right place! Many homeowners face a lot of hurdles when trying to sell their property. We understand that it can be difficult especially if potential buyers start low-balling the price. In today’s times, it sometimes makes sense to hire a real estate agent specializing in selling homes to make sure that your home gets the right buyer. However, picking the right real estate agent could be a task in itself.

We’ve got some great ideas about how to sell homes faster. Take a look at some of the points discussed below to know more!

Sell Your Home Faster

Five Hacks To Sell Your Home Faster!

 

Make The House Look Pretty

While the sentence sounds simple, a lot of effort goes into making a home look warm and inviting. Here are a few tips you could try to liven up things –

  • Give your home a fresh coat of paint. Works wonders.
  • Update the kitchen and its content. Don’t overdo it, though.
  • If there is too much furniture, get rid of some. People who come to see your home would like to walk around without stubbing their toes.
  • Make the home smell nice. Can’t stress enough on the importance of this one.

Before you conduct the open house, you can consider hiring a stager. Stagers are folks specialized in setting up your home to make it look extremely pleasing to the eye. However, if you’ve got a knack for things like this, we’re sure your skills would be more than enough.

Necessary Repairs And Replacements

Make sure everything in the house is functional. Which means you’ll have to check for leaks, faults with inbuilt appliances and even a pest control drill may be necessary in some cases. Most buyers will opt for a home inspection prior to making a purchase and if multiple faults come up in the home inspector’s report, there’s a good chance that they’ll cancel the deal.

Also, make sure that the windows are sparkling clean and broken light bulbs/ fixtures are replaced.

Offer A Home Warranty Plan

Some studies reveal that offering such a plan would not only sell your home faster, but an appliance warranty may actually increase the sales price of the property by an appreciable value. Many home warranty providers also offer seller’s warranty which is an ideal option in a scenario like this. While you may be offered suggestions, we recommend that you read and compare top home warranty companies in your region.

Also, since most plans are transferable, you can simply transfer the plan to the new owner once the sale is finalized. Many real estate agents strongly recommend offering an appliance warranty to the buyer as it not only fetches the house a higher price, but also reduces the liability of the seller and the agent. If and when an appliance related issue occurs, the buyer would call the home warranty provider and not the seller/agent.

Present The Property Well

How the house is presented to a potential buyer is a major factor which decides whether a buyer develops an interest in the property or not. If you have hired an agent, step back and let the agent show the clients around. Agents do this for a living and so they would know how to do it best. They also know what to highlight, what not to stress on and how to tackle tricky questions that may come their way.

All of this will not be possible unless you have a killer agent. Do ample research, meet many agents and ask around before you hire one to represent your home. You may want to read about how to pick the right real estate agent for you.

Price It Right

Lastly, price your property correctly. We cannot stress enough on the importance of this one. If you price it too high, most folks won’t give a second glance to the ad. Price it too low, you’ll leave potential buyers wondering whether your home has some serious issue (or worse, haunted).

A real estate agent would be the right person to guide you on how to price your property. Several things go into deciding the value of your home – locality, age, square footage, amenities, proximity to schools/hospitals etc. You may want to look at listings in your neighborhood to find out an approximate value.

First Impression Is Almost Always The Best

This proverb is more true than you’d think, especially in real estate dealings. If buyers don’t like the property at the first glance, they may not give it much consideration. Keep this in mind during every stage of the sale. We would strongly recommend that you consider offering a home warranty along with your home as the benefits are just too hard to ignore.

Real estate dealings can be hard to many, but as long as you have the right agent and the right support, it should leave both parties happy. We hope your property sale goes well. Good luck and thank you for reading this article!




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.