Top Home Warranty Companies in Florida

If you are shopping for a home warranty, also called a home service contract, and you live in Florida then you probably know you have lots of options. But how do i find the best home warranty companies in Florida? What are the top rated companies in this state? These are valid questions. Let’s get down to answering them.

Florida is often called the sunshine state, and this is justified by the weather there. Orlando, one of the most popular vacation destinations in the U.S., typically still sees high temperatures near 80 degrees Fahrenheit in November, according to weather website, Intellicast.com. Warm climates like that can really push air conditioning systems to the limit of the systems’ optimal performance standards.

Home Warranty Companies in Florida

Running the A/C year round results in much greater wear and tear and more frequent maintenance requirements. What does this have to do with choosing a home warranty company? Well, if your home is located in one of the warmer parts of Florida then your air conditioner may be one of the most expensive pieces of equipment covered by your service contract. So it’s important to choose the company that offers you the best coverage for that system.

HomeWarrantyReviews.com ranks companies based on user feedback. And that’s important because it means you’re getting honest evaluations rather than biased ones based on how much the home warranty company pays to the reviewer. In the state of Florida here is the list of top companies based on the current standings on the website at the time this article was written (September 2015).

  1. American Home Shield
  2. The Home Service Club
  3. 2-10 Home Buyers Warranty
  4. HSA Home Warranty
  5. Select Home Warranty
  6. Home Warranty of America

Chances are you’ve considered some of these companies during your search for a home warranty company. As top companies in the home warranty industry these are names that you’ll see in many states and regions in the country. But yours isn’t just any state. If it was it wouldn’t be a magnet for retirees, beach goers and vacationers of all ages, would it? As a Florida homeowner you need to know that the company you choose will come through for you when the temperature inside your home is equal to the temp outside. Let’s focus on air conditioning for a moment.

1. American Home Shield (AHS)

AHS has loads of positive feedback in their recent reviews, but two in particular stand out. During the month of September two customers rated AHS five stars for air conditioner repairs. One customer remarked that when AHS found that all of its contractors were booked to help other customers the company told the homeowner to call any local contractor who could do the work on short notice. That sort of customer service could possibly mean the difference between your air conditioner being fixed quickly or waiting days for a qualified technician to be available.

2. The Home Service Club (HSC)

HSC also has some very positive review comments and ratings from consumers who specifically mentioned the air conditioner as the reason for the service call. In one review the homeowner remarked that the repair to the air conditioner would have cost a fortune if not for the service contract from HSC. While this may seem like anecdotal feedback, it’s important to note that not all companies reviewed on HomeWarrantyReviews.com have positive feedback from customers who had problems with air conditioning systems.

3. 2-10 Home Buyers Warranty

This company has some very positive reviews from customers whose air conditioners were serviced recently. Not one of the recent air conditioning related reviews had less than five star ratings.

4. HSA Home Warranty

In recent reviews for HSA Home Warranty there are three extremely positive reviews involving air conditioning system repairs. The customers not only were happy with the repairs but also with the speed with which the repair technicians were sent out by the home warranty company. With air conditioning being so important, the time it takes to get a technician to the home is one of the most important aspects of home warranty services.

5. Select Home Warranty

Out of six recent reviews which specifically mention the air conditioner being the reason for the service call, five of those are extremely positive. The one dissatisfied customer was upset due to a problem with the expiration and renewal period of the home warranty.

6. Home Warranty of America

HWA has six recent reviews that involved air conditioning. While it’s possible that even more of the reviews involve air conditioner issues, we will focus on these six. Five of the six reviews were highly positive, all earning the maximum number of stars from the reviewers. The one unhappy customer was a landlord who felt the technician sent by HWA did not make the correct judgement regarding the problem with the air conditioning system problem.

Are you starting to see a trend?

It’s not coincidence that these first three companies have overall high ratings from customers in your state and in other states. And though the companies deserve credit for the satisfied customers it’s important to note that the contractors they work with are also a big part of those good customer experiences. That leads us to the next point to consider. What type of contractor coverage do these companies have in your area?

If you live in a densely populated part of Florida then chances are any of these top rated companies will have sufficient contractor coverage to cover any repair needs that arise in your home. But if you live in a more rural part of Florida you’ll want to keep in mind that each contractor network is different. Be sure to ask about the local contractor coverage when you speak with a company about a home warranty price and coverage quote. And also be sure to ask if the company will allow you to choose your own contractor in the event the company’s network contractors are unavailable to help you or don’t have the right skill set to fix whatever is broken.

The good news is you live in a state with lots of great companies to offer you a home warranty. The bad news is you may have a hard time choosing a company due to all the options available. If that should happen then be sure to come back here to read the most current reviews for each company you are considering.






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

Home Warranty Saves You Money!

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

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

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

Here’s how it works for the user:

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

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

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

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

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

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

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

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

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

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

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

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

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




Do you have a trusted appliance lying around your household for the past few years that you don’t want to give away or replace? Yet you are worried that it’s going to crash pretty soon leaving you with no other option other than repairing it or replacing it with a new one? Fret not! This article will shed some light on how to insure your household appliances against potential breakdowns

Let’s begin by comparing Home Warranty from the Homeowner’s insurance policy. The primary difference between the two is that Home Warranty covers repairs and replacements of failed appliances and systems, while the the Homeowner’s Insurance covers damages caused to your home and its content by natural hazards or theft. You can always find a contractor to repair your damaged appliances, but more often than not the costs involved in such scenarios are rather high. The other option that you have is to apply for a Home Warranty plan.

The Home Warranty plan is a contract of service that covers repairs and replacement of appliances and systems in your home. Depending on the kind and extent of coverage you wish to avail, the annual premium for the Home Warranty plan can range anywhere between $ 250 to $ 450. In addition, each time you approach the warranty company for a service, you have to pay a service fee usually called as the deductible. This is around $ 50. You can take a look at the table below if you want to know he systems and appliances that are covered under the Home Warranty Plans.

Home Appliance Warranty Plans

If you have doubts regarding whether or not your appliances need a Home Warranty Plan right now, take a look at the following chart. It tells you what the average lifespan of the common household appliances.

Table2 for Appliance Warranty article

Now lets discuss the most important question.

What kind of plans are available and do I actually need them?

Let me clear the former first. You have two options, you can either avail an extended warranty for each appliance or you can get a Home Warranty which covers all your appliances. Although, getting extended warranty on each appliance is not a wise decision, the best way out is to get a Home Warranty.It is also suggested that if your appliances are not new and over four years old, getting a Home Warranty will turn out to be highly useful. However, if your home and the appliances you own are reasonably new and still covered by the Manufacturers warranty, you may want to consider taking an extended warranty. You can click here for further details and comparisons between the two.

If you are wondering how this works then here’s the answer. The company offering a Home Warranty plans often sign contracts with vendors offering repair services to appliances. Each time you approach your warranty provider with a claim, they  call up these repair facilities which in turn sends a technician to evaluate the condition of your appliance.He shall decide if your appliance needs to be repaired or replaced.Service charges(deductible fee) of the technician shall be paid by you and it is always nominal.

Things to know about appliance protection plans

If you have read so far, then it would mean that you are genuinely interested to know as much as possible about Home Warranty plans. Few hiccups that you may encounter are as follows:

  • Home warranty plans are a way to ensure security and to reduce maintenance costs. They don’t provide blanket coverage nor do they pay for pre-existing issues.
  • All companies do not offer the best customer service. Make sure that the Home warranty company you choose comes with high recommendations.
  • Ensure that you read the contract for Home Warranty thoroughly.This ensures that conflicts do not arise later.
  • Many a times, it is often seen that Home Warranty companies opt for repairs rather than replacement of the damaged appliance. Further, waiting period for this is also considerably long in some cases. Worst of all, claims are sometimes rejected on unclear grounds or by bringing up small clauses from the contract that are often overlooked by the customers.

It is again stressed that you read your contract carefully and have it looked over multiple times , paying immense attention to the monetary factors.

Do I really need Appliance Protection?

Despite the issues that were mentioned, it is advised that you insure your appliances by availing a Home Warranty Plan. Costs incurred during repairs and replacements can be considerably reduced if you have a sound Appliance Protection plan. Also, if you choose to sell your home while the Home Warranty plan is still valid, the value of the property is likely to be higher than when it is sold without a Home Warranty. Most buyers recommend strongly in favor of Home Warranty plans. You are likely to do the same if your choice of  home warranty provider is good.

Here is the summary of benefits you shall have if you avail a Home Warranty Plan

  • Confidence: This is something that can rarely be bought with money. Home Warranty Plans provide you a tension free life. It does so by relieving you from worries about unexpected expenses occurring due to damage of your appliances.
  • Broad coverage: Almost all your appliances and systems are covered by the U.S. Home warranty contract.
  • Affordable prices: The annual premium as well as the deductible you pay are both affordable to an average U.S. citizen.
  • Budget protection: To those of you who just purchased a new home and had to spend quite a lot on one time expenses like drapes, landscaping etc, the first year in your new home is not the ideal time to expect financial drains due to faulty appliances.
  • Lawsuit avoidance: Assuming that you sold your home while it was still covered by the Home Warranty, any appliance that sustains damages will be taken care of by the home warranty company. If the appliance was not covered by a Home Warranty, it may often result in the buyer suing the seller.

May it be reminded again that reading the contract well is of utmost importance. You can get a free estimate on home warranty from top rated companies on our website before you purchase the plan.




Extended home warranty provides warranty coverage for major home appliances after the manufacturer’s warranty period is completed.

Buying the home warranty, avoids unnecessary stress and to assists you in peace of mind. It is truly a best insurance for your investment. The costs are very low compared to repair bills of any of your appliances.

Extended Home Warranty

Before deciding on extended warranty

Homeowners are generally provided with home warranty coverage along with the purchase of new house by the seller. But when your original home warranty expires, you have the choice of extending your existing warranty. Before deciding on extension of home warranty it is essential to know whether it is really beneficial to consider the warranty to continue hence let us find the facts on this issue.

Cost consideration on home warranty

The basic home warranties are available at about just $400 per year. Let us assume that the warranty period has expired on any major appliance where the device may have lost manufacturer’s warranty.  Just an initial visit may be charged minimum of about $50 to $100. Repair companies will also bill on an hour basis, for the first hour they may charge you about $50 to $70 and sometimes the subsequent hours will be charged less but varies from case to case. Addition to it you are expected to pay for the repair job.

Planning for home repairs is not predictable. Charges on repair job will differ depending upon the system, duration of time since how long you are using the device. In the usual cases home warranty policies covers up the equipments insured for the period of one year once the warranty is about to expire you can just extend the home warranty just by additional payment and renewal of documentation on what all appliances the policy should cover.

Importance of extended home warranty

Extended home warranty can surely help homeowners in leading stress free life and saves tons of money. It is realistic if you have been repeatedly spending on maintenance and repairs. Usually the breakdown period of appliances starts just before or after your warranty expires because of its usability, if you want to avoid such hassles of contacting repair services. Extended warranty service just makes things easier you are already guaranteed of competent and licensed repair company.

If you calculate, you will surely save thousands of dollars on all the possible repairs, this is quite a big amount of money that you have to set aside if you choose not to opt on warranty. At the end of each passing year you would get a clear idea on how much you need to pay on the renewal of your policy to extend the assurance. There is no need to search for fresh home warranty companies to renew the scheme you can just pay the extra amount and set your life in calm. Any unexpected issue will also be taken care of such companies hence it is truly worth to invest money in affording extended home warranty plan.

Based on your choice, these policies can be extended online or in person. You may be able to find better deals on home warranties online. On the other hand, a benefit of this is that you can take your time to make up your mind without salespeople constantly pestering you. You do not even have to browse the pages of your directory and call them one by one to ask for availability, if you have this service. All it takes is one call to make your life simpler and relaxed.




Are you longing for a home decorated with our green friends? You want a home that is eco-friendly and looks pretty at the same time? You have come to the right place!

Over the years plants have become much more than just a source of food. While being a very nutritious edible species, members of Kingdom Animalia are also very visually appealing. Even the prickly cacti are never an eye sore.

For all you homeowners out there who wish to add a hint of green to your home, this article shall give you all that you have to know about before you decorate your house with plants.

Benefits of Green Life

Decorate Your House With Plants

There are indeed a lot of benefits associated with gardening and using plants as decor. Let’s discuss about them.

  • Plants are cheaper than most other decor items.
  • They are eco-friendly. Read further about Bringing Nature Into Your Home!
  • During mornings, they release oxygen as a bi-product of photosynthesis. This means that the area around a plant has pure and oxygen rich air.
  • Growing flowering plants can help you save money when the need arises to gift/ make decorations with flowers. Did you know? Some of the best center pieces for dinner tables are made out of fresh flowers and T- light candles?
  • Spending time in a space filled with plants lifts your mood.
  • Plants come in a wide range of varieties giving you unlimited possibilities to use them as decoration.
  • Makes your house look fresh!
  • They are like pets that you can love and care for but don’t move around and litter your home!
  • Living in an environment filled with healthy plants, help cure disease. Ailments like Asthma and other respiratory diseases can be controlled by placing plants in our homes, so that we can breathe fresh air!

Common indoor plants

Norfolk island pine, peperomia, aloe vera, English ivy, peace lily, snake plant, spider plant, bamboo palm, golden pothos etc are the most common varieties of indoor plants. Among them, aloe vera is known for its moisturizing properties and so it can double as an ingredient for homemade face packs. The English ivy is said to be a plant that purifies air effectively, while the most common indoor plant is the spider plant, which is also known for its air purifying properties.

Did you know, the golden pothos has the ability to remove formaldehyde from the air, if you thought plants simply stood lazily in a corner?

You can visit a local nursery or look up on the internet to identify the plants that best suit your lifestyle and home decor.

Where to place your green friends?

plant2

Window sills, kitchen counters, living rooms and balconies make ideal locations for plants. You can even use an assemblage of different plants to create a great ambiance.

Most indoor orchids require humid atmosphere to thrive well. They’ll make excellent additions to your kitchen or a sunny bathroom.

Bedrooms are not really recommended because, as you know, plants release carbon dioxide at night. This leads to reduced amount of oxygen in the air and that is most certainly not good for health.

How to place them?

plant1Pots and containers for these plants are also decorative pieces themselves. So make sure that the pots you use are not only functional but also visually appealing. If you don’t want to spend loads of cash on fancy clay pots, you can simply buy some normal brown ones and paint them in a variety of colors.

If you have enough space, use big terracotta pots and paint them in a bronze or copper color. It adds a certain old world charm to the whole area. Although metal planters are ideal for this look, they are a wee bit expensive.

As much as possible, place your plants in sunny areas and avoid keeping them in places that are not frequently visited. plants like cacti can be kept in tea-cup sized pots and placed in smaller spaces.

Caring for indoor plants

This part is vital. Even though indoor plants require less maintenance as compared to their outdoor counterparts, they will still wither and die if you don’t care for them. Here’s how you should care for your indoor plants.

  • Ensure that they get sufficient light. This does not mean that you should keep them in direct sunlight always and get them burnt in the afternoon sun. Few hours of sunlight per week would do. If your plants are big, place them in wheeled pots. This way you can push them around to locations where they receive light.
  • Water them regularly. Water requirements of each species of plants are different. Hence do sufficient research to find out exactly how much water is needed for a plant. Also plants should never be stored in pots that lack even a single hole. Excess water should never be allowed to collect beneath a plant as it causes the roots to rot.
  • Keep pests at bay. Vegetation is bound to attract insects. Hence you should make sure that such pests don’t cause harm to your beloved plants. A mild pesticide should do the trick.

Plants are indeed a joy to have around living spaces. Having them in your home shall freshen the air and also lift the moods of people occupying that space. If you are someone concerned about environment, you should know about how green landscaping benefits the environment. Hope you found this article informative. Cheers!




Home: The Lifelong Dream

Buying your own home is a dream that many of us cherish and wish to realize one day, but with increasing property prices and taxes, it is becoming increasingly difficult to become a homeowner. While the real estate market is booming with hot options, and extensive marketing to push people to buy a new home over renting, potential American homeowners are more skeptical of the costs and potential return on investment than in past years.

homeowner+rent+buy

Important Factors In Decision-Making Of A Homeowner

1. Tenure Of Living

Buying a home is profitable as long as one can commit to living in the home for a longer period, thus avoiding any extra rental expenditure. But with today’s work culture, it has become considerably uncertain to live in the same city forever and hence may put one in a dicey situation to pay for a mortgage as well as rent while moving to a new city for work or studies.

2.  Mortgage Terms

The mortgage terms should be read through and well understood before buying a home as the value appreciation by buying a home could cause loss, if the home maintenance cost like replacing the heaters or repairing a ceiling or water bills and the actual amount of money going into the principal is considered. In such a scenario, you can opt for a home warranty plan to cut down on the maintenance cost.

3. Overall Stability

Overall stability is a factor that dominates each one of your financial decisions. Stability, in terms of job, relationships, promotion, savings, and family plans determine the amount of money that could be needed for future expenditure and can hence allow you to buy a home or not.

Pre-Requisites And Risks Of Buying A New Home

While buying a home can get you some tax deductions, there is a lot of added pressure as well, in terms of an assured amount that’s needed to pay-off the mortgage, unless you wish to lose your assets to the bank. Also, as per figures, value appreciation in property rates since 1975 has been disappointing and not earned much profit to the homeowners in comparison to other investment options available in the market.

Apart from paying for a mortgage, savings for future and sufficient planning for family expansion is also important as the place should meet all your requirements without piling you with a burden, for life.

Benefits Of Being A Homeowner

Owning a home gives people the benefit to painting it the way they desire, or, make a small basketball court in the backyard and add tons of elements that define your personal space, but the fact that it also adds to a lot of responsibility cannot be overlooked. It is suggested that one should be able to pay at least 20% of the sum as down payment while planning to buy a home but at the same time what is more important is to maintain a constant cash inflow for a good 30-yr time until the mortgage is waved off and the property is entirely owned by you.

Also, it is the great freedom to make or change a carpet or any other thing in the home that comes in as a pleasant surprise while owning a home, where people are free to make their own decisions and not worry about a second opinion for changes that they make.

History of Real Estate Market

But the property market has been quite misleading and unforgivable to many, in terms of considering a new home as an investment for future as factors like selling off a home and at an escalated price which is at par with homeowners’ expectations, may not be the case every time. Realtors charge up to 6% of the property price and finding a deal that land you in profit is not guaranteed while making the purchase, as a homeowner. In the case of an emergency, selling a beloved property at loss may come as a shock to many homeowners. Also, dealing without a realtor may close doors to the best possible price for the property.

Perks Of Renting A Home

Rented properties, on the other hand, come with a bag full of its own positives and negatives. For e.g., living in a rented home lets one move to a new place without worrying about anything, unlike owning a home. But there is also a possibility of the owner escalating the rent, or, willing to discontinue the tenant once the lease is over.

Homeowner: Making The Decision

All in all, there is no better feeling that creating a place that’s a representation of one’s personality, beliefs and ideologies. But leaving the emotional part of it, if planned carefully, one can afford to buy a place with a lesser mortgage and lower interest rates and proudly become a homeowner. Also, one may cut down on extra expenses by availing home warranty plans and similar saving options. As long as that takes the time to be realized, living in a rented home away from the hassle of repair and maintenance is a good idea in order to live life freely, and save enough till one can actually afford to buy a home that they can call their own!

 




Home maintenance is an integral and expensive part of homeownership. Every homeowner worth his salt will swear that without proper maintenance of household appliances/ systems, the comforts of his home can be rendered ineffective.

It goes without saying that appliance repairs and replacements are costly. Not to mention the added trouble involved in looking for a trustworthy contractor and getting him to do the repair job at a reasonable price. While unexpected repairs can burn a hole in your pocket, preparing for them in advance may help you lessen the impact of the blow. Let’s see how you can efficiently manage home maintenance costs without hassle.

Home Maintenance Costs

Preparing the maintenance table

Step 1: Identify all the major appliances and systems in your home

The first and foremost step is to make a list of all the appliances and systems in your home. Follow this step by creating a table, you can use an MS Excel Spreadsheet or even a simple paper will do. Make 5 columns, mark the first one as “Item” and fill that column with names of all the appliances you own.

Step 2: Determine the date of manufacture

This is quite crucial. If you have the paperwork relating to the date of purchase like invoice, bills etc, it will be immensely helpful in determining the year in which the appliance was manufactured. Fill the second column with corresponding values of date of manufacture.

Step 3: Determine the life expectancy

Name the next column as “life expectancy”. Fill it in with average expected life spans of every appliance/system.

Step 4: Determine current age & years remaining

In the next column, write down the current age of the appliance. If you don’t know the exact year of manufacture of an appliance, use an estimate.

Deduce the number of years remaining for an appliances from the date of manufacture and the average life expectancy. If,for any component, the value of this field is less than or equal to 5, chances are high that that particular appliance/system may require repairs in the near future.

Step 5: Estimate replacement costs for each appliance

You can do some research online to find out about the cost of new appliances. Fill that out in the next column.

By now your table should look somewhat like this –

Appliance/ System Year of manufacture Life expectancy Current age (‘15) Years remaining
Refrigerator 2002 13 13 0
Dishwasher 2001 9 4 5
Air conditioner 2005 15 10 5
Washing machine 2008 10 7 3
HVAC heater 2000 15 15 0
Water heater 2009 12 6 6

Identifying failure prone appliances/ systems

Any appliance, whose years remaining value is less that 5 is likely to undergo faults and errors more frequently. Shortlist any such appliances and sum up values of their total replacement costs. The amount could be huge or reasonable. If it is huge, it is recommended that you purchase a home warranty plan to ensure budget protection.

Arrive at a conclusion

Once you make a table for every appliance/ system in your house, you will be able to predict which appliances will require repair services in the next 5 years. Avoid focusing on appliances that have more than 5 years remaining.

Look out for expense clusters. For eg, in the above table, both dishwasher and clothes washer have only 4 years remaining, which means they stand a chance to die during the same year. This could lead to an “expense cluster” as you will have to replace two appliances in the same year.

Achieving budget protection

If you feel that you will be encountering multiple appliance repair needs in the near future, we suggest that you invest in some form of appliance protection plan. Ideally, for any homeowner whose appliances or the home itself is over 4 years old, a home warranty is the best bet for budget protection.

These plans offer discounted repairs and replacements services. In most cases, the homeowner only has to pay nominal deductible fee ($40 – $100) for each service incident. Annual premiums for such plans are quite affordable too (around $250 – $500).

Home maintenance does pay off!

Like we said, without proper maintenance, even the best of homes will turn into an almighty mess. As the old saying goes, a stitch in time, saves nine, likewise timely maintenance could save you loads of money on appliance repairs later.

You can go through Home Maintenance Tips to become aware of the steps you can take to keep your home and its appliances healthy. You can also read about various Home Warranty Plans to secure budget protection and peace of mind.




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

Home insurance

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

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

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

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

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

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




Americans buy home warranty to protect themselves from repair and replacement costs of home appliances that fail due to normal wear and tear. Unfortunately a lot of policy holders feel let down by the result after filing a claim with their warranty company. Some people are ignorant that they have the power to dispute the outcome of a claim when one is filed; others are conscious that many customers succeed when they dispute a claim correctly. The procedure involved in disputing a claim can be extensive, but can be worth time investment.

Home Warranty Claims

A home warranty is a service contract that covers systems and items in your home that are usually not covered by homeowner’s insurance. Furnaces and outside air conditioning units, plumbing and electrical systems are items commonly covered under a home warranty protection plan. The homeowner requests a claim with the warranty company when a covered item requires repair. Some home warranty providers repay the homeowner for the cost of the repair while others send a contractor directly to the home for repairs.

Common Causes of Home Warranty Claims Denial

You should look at these factors carefully for any items that you estimated to be covered by the home warranty contract you aim to procure. Make sure you read the contract one more time and understand the reason for denial. In some cases, even courts cannot help you if the claim was denied for a reason clearly stated in the contract.

So what are some of the common reasons for denial of claims on home warranty?

  • Lack of Maintenance – You are supposed to take care of cleaning and maintenance of appliances. HVAC units must be serviced every year and you should keep maintenance records.
  • Code Violations – If any of your appliances violate safety and installation codes, they won’t be covered.
  • Unusual wear and tear – due to reckless usage etc.
  • Improper installation – This is where having a home scrutiny done by a professional is so significant. Paying out a few hundred dollars for this kind of assessment could save you thousands of dollars and years of annoyance. For instance, if the HVAC system was not installed properly, or if the defect existed before the new buyer takes ownership, the claim could be denied. If the seller is reluctant to deal with issues that are found in a home inspection, think two times before you close on that home.
  • Excluded appliances Clause – Not all appliances are covered. Your service contract lists all covered appliances. Make sure you are okay with the coverage.

How to Dispute Home Warranty Claim Denials

Always be polite and be friendly with customer service professionals. They will go an extra mile if they like you. The first step should always be that you speak to customer service supervisors and their bosses who make the decision. Assuming those steps did not result in a favorable outcome, you can follow these escalation steps:

  • Step 1: Verify your home warranty documents. The definite steps you have to take with the home warranty company to appeal a petition for denial must be listed in the documents.
  • Step 2: Make contract with your home warranty company. Keep a record of all dates and times you talk to a company representative. Obtain the names of every person you speak to. Inquire for the required paperwork to demand a denial of your warranty plan.
  • Step 3: Get the problem re-estimated by a third party. Speak to a local contractor or repairman and get a written estimate for the repair. Have the professional note in writing of what he thinks is the reason of the damage.
  • Step 4: Pursue the warranty company’s appeal process. Some companies want mediation actions be started by and finished by you before the issue can be taken further. Provide any documentation demanded by the company.
  • Step 5: Approach Better Business Bureau (BBB.) Most companies are willing to resolve your issues and close BBB complaints to have a clean record.
  • Step 6: Call your State attorney general’s office. The attorney general’s office normally deals with warranty fraud and service denials.
  • Step 7: File a complaint in small claims court if your claim is small enough. Small claims courts are confined on how much money you can file for a suit. Ensure with the small claims clerk’s office to settle on if your claim falls under the limit.
  • Step 8: Get hold of an attorney for larger claims. Verify with your local bar association to locate an attorney knowledgeable in real estate and denial of service matters. The permissible charge for an attorney differs by area, but usually you will be able to sue the warranty company for the lawyer charges you paid other than your claim.

 




This letter was written by someone who worked in the home warranty industry for a long time. The views and opinions expressed are author’s own. However, we do think the author provides an insightful view along with some valuable suggestions.

—-

Hello. I was just reading the letter from Robert Lehman of HSA Home Warranty along with the comments as well as other home warranty company reviews and am compelled to contact you.

I worked in the home warranty industry for almost 17 years. I was an outside sales rep, selling the home warranty through the real estate industry as well as related industries (lenders, title companies, system and appliance vendors, appraisers and inspectors). I have been in the insurance industry since 1983.

An open letter to the home warranty Industry

While I am no longer working in the home warranty industry, I do believe in it and would like to help both consumers and home warranty companies alike. To make it as simple as possible – The home warranty covers the items listed in the contract subject to limitations and exclusions. Just like any other contract, not everything is covered. It is not Carte Blanche. Things that are not covered by the home warranty plans may be covered by a manufacturer’s warranty, a product recall, homeowners insurance or may just simply fall into the category of “the cost of owning a home”.

A home warranty is a wonderful service to have, reducing unexpected out-of-pocket expenses. But when there is a financial burden because of an unexpected problem, it’s so easy to not like who you have to call because you don’t like the situation. Not having to come out of pocket for the full retail cost of the repair is a whole lot better than coming out of pocket for the trade call fee and perhaps a bit
more towards the repair.

Now, having worked through many challenges with home owners, I know that the home warranty companies can improve in terms of both coverage and service. The challenge with coverage is the cost, the premium that is charged to the home owner. The challenge with service includes the home warranty company staff and the vendors that represent the home warranty companies.

Coverage provided by home warranty companies should be far more inclusive in my opinion. And I know it could be, but there has yet to be a home warranty company that is willing to make the move to charge a higher premium for that more inclusive coverage. It is a very competitive industry and no one wants to price themselves out of the market. But I know that I personally would rather pay $800 to $1,000 a year vs. $250 to $600 and not have to worry about more than my trade call fee.

Many home warranty companies have a basic plan with additional optional coverage for things like a kitchen refrigerator or roof leak coverage. Many times a home owner is justifiably frustrated to learn that this “option” was not purchased so they had no coverage. This is most common for home warranties that are purchased through a real estate transaction and the actual end user did not have say in the coverage purchased as the seller was the one who bought the warranty. The most common coverage complaint is when a vendor is dispatched for a system or appliance and the home owner has to pay above the trade call fee for an item that is covered by the home warranty. An example might be having the pay to bring a water heater to current code before the repair can be made. If the home warranty companies charged more for their covered items, they could very likely remove many limitations from their plans. There will always be exclusions, just like any other contract.

Service is big issue and it should be. The staff of the home warranty company should always have a smile in their voice and an empathetic ear. It’s a tough industry for service representatives at a home warranty company because they take a lot of heat from frustrated, emotional home owners. It is imperative that the home warranty companies properly and constantly work with their service reps to keep moral up and to coach on “empathy”. At the same time, it is equally important for the home owner to be polite and remain calm. It is not acceptable to speak rudely or abusively to a service rep at any company. But because people are emotional, there will always be times of poor communication, so the biggest burden should be with the home warranty company personnel. So many complaints about the service provided by the home warranty service rep would be eliminated if they would return a phone call in a timely manner; not keep someone on hold without checking back often and offering a return call rather than holding; and simply listening to the caller, completely, and having a genuine, unscripted conversation without pressure of ending the call in a certain time frame. And of course, the oh-so-important follow-up and follow-through.

Another challenge with service is with the vendor that has been dispatched to a home. Vendors do the dirty, physical labor, regardless of conditions including weather, traffic, conditions at the property they are servicing and the attitude of the customer. In most cases, the vendors working for the home warranty company are experienced and reputable and therefore should always treat the home owner with the utmost care and professionalism. Unfortunately, even though the vendor company may meet the requirements and expectations of the home warranty company, the home warranty company has no control over who that vendor hires; this is when many of the vendor related problems occur. It is so important for the home warranty company to have staff specifically assigned to vendor/contractor relations as well as requesting feedback from the home owner on how that vendor’s service was.

There is so much more that could be addressed, but hopefully this has helped someone somewhere.

– Anonymous Industry Veteran




I know it’s not normal to admit it, but I’m a warranty nerd. I spend a lot more time researching the home warranty industry than most people. But it’s sort of my job, so I feel less awkward admitting that I get excited over talking with people who are not familiar with home warranties, also called home service contracts. I like telling people about the service and helping them with their questions.

One of the questions I hear most often is “how do I choose a home warranty?”

The answer is initially easy but gets more complex as I go on with explaining the process. So I like to break down the process to five easy steps in order to make it all more manageable.

Step one: Do you need it?

Before you buy anything you really should decide whether you need it or not. With home service contracts it’s pretty simple to do this. First, is the home you want to cover with the contract brand new? If so then are you only looking to cover the appliances? If the answer is no then you probably don’t need the contract. If the answer is yes then the next question is whether or not the appliances you want to cover are out of the manufacturer or retailer’s warranty or service contract. If you say yes to this one then it’s time to shop for a home warranty. If not then you should probably wait until your appliances are no longer covered and then look into getting a contract to provide repair services.

Steps to Choose the Right Home Warranty

Step two: How much do you need?

This part is really important! Your livable square footage and the items you want to cover should be known before you begin shopping for a home warranty. Knowing these things ahead of time will allow you to get the most accurate price and coverage quote.  Do not go with a generic price and coverage quote or buy online without speaking to a company representative unless you are absolutely certain that the contract you are purchasing is exactly what you need.

Step three: Which companies cover your zip code?

Maybe you live in a highly populated place, or maybe you don’t.  This can affect how many service technicians are in your area.  And that can affect how many home warranty companies will offer to cover your home.  It pays to know whether or not a company covers your area before you get into examining price and coverage quotes.  You’ll waste time talking with the wrong companies if you’re not careful.

The easiest way is to go online to find home warranty companies that serve your area and short list them.

Step four: Do you already have things breaking or about to break?

This part is extremely important.  Some companies have periods of time after you sign up when they will not cover repairs.  You should ask if this is the case.  And you should also ask if things that were already broken or about to break are still covered by the home service contract.  Many companies in the home warranty industry have exclusions in their contracts for things that were not working properly or not properly maintained before you became their customer.  And in some cases the fine print in the home warranty contracts may require you to submit maintenance records or otherwise prove that something that breaks was not poorly maintained or repaired improperly prior to becoming a customer.

Step five: Read reviews and contracts carefully!

Along with understanding the exclusions mentioned in step four, this is the most important of all steps.  Do not buy a home warranty until you have read a number of reviews on reputable consumer review websites.  And do not trust websites that rank companies based on advertising dollars those companies spend with the websites.  You can usually trust services such as Angie’s List to provide objective information based on real consumer feedback.  But many fly-by-night websites cannot be trusted and will steer you toward whatever company is paying them the most for advertising or other marketing services.  The ultimate and best resource is a friend or family member who has experience buying home service contracts for their own homes.  Once you’ve gotten reviews or first hand experiences from other consumers you need to read the contracts you are considering buying, word for word.  Don’t skip things just because the contracts are dull reading material, and don’t overlook things that you think are not clear or worded suspiciously.  If you talk with a company representative about parts of the contract which concern you then you should either get a better feeling or an intuitive feeling that this company is not the right one for you.  And that’s how you make the best decisions when buying any product or service.

As you shop for a home warranty please keep in mind that these contracts do save some homeowners money, not to mention time finding a screened contractor on short notice.  But in some cases it makes just as much sense to put away money in a savings account that earns interest and leave that money for emergencies.  Ultimately the decision is up to each individual homeowner, and it’s not always an easy one to make.  If you are not sure you understand how best to calculate your potential savings on home warranty, you can use this excellent calculator provided here on HomeWarrantyReviews.com!

About the Author

Kevin Wallach is a freelance writer and marketing professional. His focus is on performance based marketing services for the home warranty and home service contract industry.




Home warranty coupons and deals:
02/17/14 Update

As of now, many of these coupons have expired. However you can still get a price quote for home warranty on our website. This will be a free quote and there is no obligation to buy

10/11/08 Update

Choice Home Warranty is offering 25% discount on premium and $15 off of service call fee. Use the code “HOLIDAY25” here – http://choicehomewarranty.com/quote-start.php

Coupon expires on 12/26/2008

Check out our reviews section for Choice home warranty reviews

11/18/08 Update

Choice Home Warranty is offering 15% discount on premium and $15 off of service call fee. Use the code “15OFF” here – http://choicehomewarranty.com/quote-start.php
Check out our reviews section for Choice home warranty reviews

10/17/08 Update :

We found this discount deal on deal catcher forums – National Home Protection is offering 20% off, and $50 Gift card

Sign up for a new home warranty and get 20% off your monthly bill, $45 service calls (usually $60) & a free $50 Home Depot Gift card. Offer expires 10/31.

Use Promotional Code SAVE20 Check out our reviews section for National Home Protection home warranty reviews




Phoenix: The Arizona Department of Insurance is on the lookout for customers who purchased warranty plans from the now out of business company, Sensible Home Warranty (SHW). While the year 2014 saw many major incidents in the home warranty industry, SHW closing was one that garnered significant attention.

In May of 2014, Sensible Home Warranty, a New York based company that was once considered as a fast growing contender in the industry, announced through their official website that they were closing shop for good. The declaration came as a shock to many, including customers of the company and other patrons in the industry. (Read Sensible Home Warranty Shuts Down)

AZ symbolReasons behind the closing were not revealed on their website or anywhere else and still remain unknown. While the company did have a substantial number of loyal customers, discontent among some other customers were quite evident from feedback received on HomeWarrantyReviews.com. The company’s BBB page reveals that a total 1,811 complaints were filed against them during their tenure in the industry.

Several customers reported on HomeWarrantyReviews.com that SHW had failed repeatedly to process claims and provide them with the services they were entitled too. Such customers and many others who purchased prepaid warranty products from SHW would find this as a welcome relief as it may help them retrieve a part of their money.

Following feedback from customers expressing their grief over monetary loss due to SHW shutting down, The Arizona Department of Insurance has announced that they will be making an effort to compensate the losses incurred by SHW customers.

Sensible Home Warranty

Officials say that partial refunds may be available to customers who paid their premiums in advance. The refunds will be funded by the money that SHW deposited with the Dept. of Insurance as required by the state laws of Arizona. The deposited money will be divided among genuine customers who approach the department.

To claim the refund, customers must file proof in the form of claim requests and receipts to the Dept. of Insurance by no later than August 2, 2015. Customers are requested to visit the following link and submit an application online along with any other material that support your cause, eg contracts, claims history, receipts from SHW etc.

AZ Insurance Dept. – SHW Claim form

While the Department cannot say in advance what the amount of refund will be, the Department agrees to give due consideration to everyone who approaches with a genuine claim.

To qualify for the refund, consumers must submit material evidence (documents) showing that he/she

  • Paid in advance for a home warranty contract provided by SHW in the state of Arizona which expires post June 16th, or
  • Possessed a SHW home warranty contract valid from March 25, 2011 to June 16, 2014 issued in the state of Arizona and that he/she
    • Paid to repair an item covered in the contract and that
    • They were not reimbursed with the full amount as per agreed terms and conditions of the Arizona contract.

Those interested should write to the Dept. of Insurance with completed forms and relevant supporting documents to –

The Arizona Department of Insurance

2910 North 44 Street

Suite 210,

Phoenix, Arizona

Customers can also email their forms and documents to – [email protected]

 




Maintaining everything in the home is one of the major concerns homeowners have to deal with. Every homeowner worth his salt will tell you that the primary expenses incurred in the process of home maintenance are due to appliance and system faults.
Home Maintenance Plans

Having said that, we’re sure that everyone has heard of Appliance / Home maintenance plans or simply put, home warranty plans. Such plans are contracts that agree to provide you with discounted repairs and replacement services for household appliances and systems. Do keep in mind that such plans are for ageing appliances that have suffered quite a bit of wear and tear over the years. Appliance warranties only cover damages that are due to age, wear and tear.

Home Warranty – How Does it Work?

The working of such plans are quite simple. You purchase the warranty from a home service provider for a specific duration. During the coverage period, if your appliances / systems breaks down, you only need to  call the your warranty provider. They will send a technician to fix your faulty item at just a nominal service charge fee. The actual cost of repairs will be borne by the company.

Hence, in many ways, a warranty is a wise way to protect your budget from unexpected expenses. To know more about home service contracts, read things to know about home warranty. You’ll find that helpful.

Cost of Home Maintenance Plans

Now, coming to the actual problem that this article addresses, cost of home maintenance plans. In general such appliance warranties are affordable and reasonably priced. Most companies offer a specific set of plans from which you can choose, based on your requirements.

The annual premiums for a home service contract ranges between $200 – $ 600, for a home under 5,000 sq.ft. When you purchase a plan, you will be provided with a policy booklet that explicitly specifies all the items that will be covered. You will also be provided with information about various other terms and conditions. Like we said before, home service contracts do not cover damages due to anything other than age and regular use. For faults due to crime, hazards and other perils, you may want to check the difference between home insurance and home warranty.

In addition to the annual premium, you may also have to pay a nominal fee as the deductible each time you raise an issue. Deductibles usually cost between $50 – $100. There are some companies that offer zero deductible appliance protection plans

Like we discussed before, different providers charge different amounts for their plans. Following are the facts that decide the cost of home warranty.

  • Extent of coverage
  • Type of plan
  • Additional benefits/ services
  • Size of the house
  • Age of the house

If you want to purchase a home warranty plan, we suggest that you get your home inspected first. While some companies offer this service prior to the contract being signed, some companies do not. A home inspection reveals a lot of potential problems that your house may face and the inspector may even recommend a plan to make the best out of home warranty.

Bottom Line

If you are still unsure about home warranty, we suggest that you go through our web site and read some informative articles that may help you solve some confusion. That said, we still think that a home warranty is a clever way to protect your appliances and save cash in the process. Cheers!




The Illinois department of insurance issued a warning earlier this year to its residents to avoid a Florida based home warranty company Arkidus Home Protection, Inc. Arkidus had been unlawfully advertising home warranty services via the internet to residents of Illinois and in many cases there were documented incidents of these consumers who purchased a warranty not receiving the services promised to them.

The company and its owner, Reinaldo “Ray” Berges has previously been served with a cease and desist order by the Illinois Department of insurance, but continued offering service coverage for household appliances and major system components. The company had its headquarters in Miami though more recent reports suggest that office has been closed for many months.        Arkidus Home Protection

The company has not been granted any certificate of authority to sell insurance or home warranties to the consumers in the state of Illinois, thus the cease and desist order from that state was issued.  This unfortunately may not help recover the money lost by the Illinois consumers who purchased home warranties, also referred to as residential service contracts or home service contracts.

According to the Better Business Bureau (BBB), The consumers have launched over 245 complaints against the company in last three years. BBB indicates in its report that Arkidus conducted its business through a website, www.theahp.net.

BBB is a non- profit organization more than a 100 years old functioning in U.S and Canada. It collects and provides free business reliability reviews on over 4 million businesses. The BBB plays the role of an intermediary between businesses and consumers. Though it is not mandatory for any firm to get accreditation from BBB such accreditation is sought by some companies in order to build faith in their business.  Arkidus is not accredited by BBB and thus the amount of involvement BBB may have had with Arkidus’s customers would have been limited to collecting and documenting complaints and then reporting complaints to the company.  For further recourse consumers who have complaints against Arkidus would likely need legal representation or assistance from consumer protection entities.

According to publicly available information Illinois’s Department of insurance has also received many complaints from customers of Arkidus who allege they have been tricked by that company and were unable to obtain reimbursements for their claims or their canceled contracts.

The complaints from consumers are also publicly available on various websites.  One such complaint posted online was from Jose. E who is a resident of Florida.  In his post he said, “This Company is a scam. I started service with them in May, and they will not honor their policy. I keep getting calls from companies that were dispatched by them. I needed a plumber and an electrician, and both have been harassing me with the remainder of their bill, even though I paid my deductible. Do not purchase anything from this company, they are frauds.”

Arkidus appears to have ceased doing business but for a time the company was successful persuading customers to pay long term contract fees, in some cases for terms of two years or more. These customers spent thousands of dollars in some cases, all of which they now face losing forever.  If significant legal action isn’t taken against the owner of the company it is unlikely that consumers will receive any reimbursement and this whole story will end sadly.  Hence we warn our readers to be cautious about choosing home warranty companies with very little business history, no matter how positive the early reviews of the company may be.

Tips to prevent you from becoming a victim of similar home warranty and insurance scams

  • Reading about incidents like the ones surrounding Arkidus Home Protection’s brief business in the home warranty space may leave you wondering if there is a way to avoid becoming a victim. Here are some things you can keep in mind when choosing an insurance company or home warranty company.
  • When shopping for home warranty or insurance make sure any company you consider doing business with is properly registered and if licensing or bonding is required by your state be certain those things are in order as well.
  • Check a company’s background, reviews and the companies’ customer complaint records which can found on the company’s local Better Business Bureau website.
  • Never purchase financial products such as home warranties or insurance policies from a company which solicits your business at your door without doing the same homework you would with any other company.  Impulse purchases from hard-sales-tactics sales people are very often regretted by the consumers making them.
  • When dealing with sales people face to face try to develop an eye for details, study the business cards and other documents and verifying that the business address furnished is authentic and not just a P.O. Box, short term single office rental or other temporary type of mailing address.  Though legitimate and not alone a sign of trouble, short term addresses and discreet addresses may be a warning sign that you won’t be able to track anybody down when you run into trouble with the product you bought.
  • Always demand a contract for the services provided, claims and reimbursement, and other provisions and then study the fine print carefully before signing the document or making a purchase.
  • Always ask for a bill or invoice and never pay by cash.  Using a check or a credit card can sometimes help you when you seek reimbursement after not receiving what was promised to you by the merchant.

If you suspect you are dealing with the wrong people already or believe you too have been scammed do not delay making a formal report to the appropriate agency or agencies.  Both at the state and national level in the U.S. there are free and fast ways to make your voice heard when you feel you’ve been misled by a business or been the victim of a scam.  The important thing is to act quickly and not give up if you feel your complaint is being documented but not being acted upon.




There are five types of warranties plans available such as manufacturer warranty, home warranty, seller’s warranty, extended warranty, appliance service contract etc. All the above mentioned terms are basically protection policies of your household appliances. All these warranty contracts are slightly different and we will get into them in just a moment. Please note that we do not cover homeowners insurance here but you can refer to the article that talks about home insurance and home warranty differences

Types of Warranties

Home Warranty

Home warranty is a service contract on your home appliances and it covers repairs and maintenance of household machinery. Home warranty plan takes care of repair and replacement of all your insured appliances by the qualified service provider. This plan is also referred as

  • Appliance Protection Plan
  • Appliance Service Contract
  • Home Maintenance Plan
  • Home Protection Plan
  • Home Appliance Insurance
  • Appliance Repair Service
  • Home Warranty Insurance

Manufacturer’s Warranty

One of the basic thing people look for while purchasing any appliance or gadget is the warranty. A warranty is a kind of assurance provided by the manufacturer for the product and if the item does not meet the expectations then the insurance provider is bound to repair or replace the product within the stated warranty period. The standard coverage is generally for the period of one year. A warranty is a legal binding which means if the seller does not stick to their words, then you can legally file lawsuits against them.

These days all the online stores and offline stores are providing manufacturer’s warranty and the original bill along with the purchased product. The products shipped are also completely sealed and as good as what you can get from retail stores. You can extend the warranty for additional years if you desire, although it is not necessary in most cases. Generally, big ticket items such as HVAC units come with 5 years warranty, but the coverage will be limited to parts only from second year onwards. That means you will have to pay for the repair service.

Home appliance warranty companies generally do not cover an equipment when it is under manufacturers warranty.

Seller’s Warranty

Seller Warranty is also known as dealer warranty. The warranty is basically provided by the respective seller or the dealer of the products. Most of seller warranties last for the period of 6 months. In case of any sort of defect of malfunction of the product, you have to take the product particularly to the seller from whom you bought it.

Extended Warranty

You have an option to extend manufacturer’s warranty when it expires. It is recommended only for those appliances that are not covered by home warranty, such as laptop, PC, TV and other electronics.

You can also extend home warranty when your original plan expires. Usually the breakdown period of appliances starts just before or after your warranty expires because of its usability. If you want to avoid such hassles of contacting repair services, extended warranty service just makes things easier

Home Service Contracts

Service contracts are also considered as agreement or protection agreements. Most of these are offered by vendors selling the appliance, a service company, or a third party service provider. Home service contractors are basically local, licensed, and insured team to provide service. The price, terms and coverage choices widely vary as these companies tend to be local service providers. The repair and customer service may also vary depending on the vendor. Make sure you thoroughly understand the contract before you sign it.

Do your homework before buying home warranties, extended warranties, or service contracts for your major appliance. Understand the “Terms and Conditions” of the contract, especially its limitations.

Make sure you know and understand:

  • The reputation of the selling agent or the service provider
  • If the agreement contains a service repair cost “deductible” clause
  • If you must get second opinions or price estimates before repair
  • If you renew annually and what is the cost to do so
  • Any repair not covered such as plastic, glass, rust, corrosion non-functional parts, and installation, wiring or plumbing corrections
  • Costs involved if you have to take the appliance to the repair shop (against being repaired in your home)
  • What happens when the necessary part is no longer available
  • Any other terms and conditions of the contract, especially its limitations

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




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




Dallas is the fourth most populated metro area in the country with 280 localities. The most active areas between April 2015 and April 2016 included Westhollow, Oak Lawn, Mountain Creek, Cedar Crest, Lake Highlands and Uptown. The Dallas-Fort Worth area is the top job producing metro areas in the country, and hence Dallas attracts thousands of new residents each year. In the past year, at least 7,800 real estate agents have assisted consumers with over 10,756 residential home sales in Dallas, Texas.

Price-of-real-estate-properties-in-Dallas

Whether you are buying or upgrading from your starter home, or downsizing now, working with a real estate agent is probably the best move. They will be knowledgeable in what it takes to advertise a home and also how to successfully negotiate a purchase.

If you are looking to purchase a home or property, it is important that you appoint a local real estate agent. Local Dallas realtors have familiarity with listings, actual property values, and trends in your target area and have dealt with dozens of properties in Dallas, thereby bringing detailed market experience to the transaction. Once you outline your specifications, your Dallas realtor will be able to show you the most suitable home that best fits within your vision.

Similarly, if you are selling a home in Dallas, the qualified realtors can guide you through the entire process. They may already have buyers who may be interested in buying a property in your area. Besides, your Dallas realtor will be able to make use of the Multiple Listing Service (MLS) and other property listing systems to market your home for sale to other potential buyers.

Moreover, your Dallas realtor will be aware of the trustworthy local professionals such as contractors, escrow officers, mortgage bankers or appraisers who may help you close the transaction smoothly. The Dallas real estate agents also have experience with local housing laws and will be able to explain any industry jargon that you may not already be familiar with.

Dallas is home to numerous realtors, so make sure that you choose someone who comes closest to having the best professional experience to match your needs Below is the list of 7 highly recommended realtors based on their sales volume in dollar amounts, the number of transactions and an average price of homes sold. These professionals have proven results and can be a powerful ally as you purchase, sell, or invest in Dallas real estate.

 

Ellen Terry

Best-Agent-in-Dallas

Ellen Terry’s name has been synonymous with brilliant customer service, business expertise and the highest standards of integrity and ethics in the Dallas’ real estate market. Her 36 years of knowledge, experience, and proficient negotiating skills have proven invaluable to many of her customers. She has in-depth experience in Dallas’ most preferred neighborhoods and can offer latest market scenario besides renowned customer service.

Ellen Terry is referred as the Neiman Marcus of the real estate industry owing to her dedication to the highest level of excellent marketing and an utmost commitment to superiority in both service and product. During her notable career, she has closed over $530 million in sales volume epitomizing 158 multi-million dollar properties ranging from $1 million to $22 million.

Ellen’s civic, charity and professional activities have earned her

  1. Southern Methodist University Distinguished Alumni Award
  2. The Easterwood Cup Realtor of the Year
  3. The Distinguished Alumni Award for Christian College in Columbia, Missouri
  4. The She Knows Where She’s Going Award and the Kim Dawson Attitude and Attire Award by Girls, Inc.

She has been a continuing member of the Dallas Junior League Crystal Charity Ball Committee and a current member of Charter 100. Owing to her professional experience and dedication, she is also honored at the 8th Annual Award of Excellence for successful entrepreneurs.

Besides being an expert realtor, Ellen also acts as an executive vice president of coaching and mentoring at Briggs Freeman Sotheby’s International Realty that helps her coach agents who want to attain their business goals.

Ellen’s favorite quote is by Napoleon Hill, “Whatever the mind can conceive and believe, the mind can achieve,” and she not only believes this, she lives it!

 

Rene Burchell

Top-Agent-in-Dallas

Rene Burchell is a proficient realtor with Keller Williams Realty in Plano, Texas. She is licensed since 1992 and has been keenly helping buyers and sellers effectively since 2002. Rene holds the Graduate, REALTOR® Institute (GRI), Certified Residential Specialist (CRS), e-PRO, Senior Real Estate Specialist (SRES), Certified Luxury Home Marketing Specialist (CLHMS) and Certified Distressed Property Expert (CDPE) designations. Rene’s commitment to ongoing education and passion for accomplishing her clients’ real estate goals has facilitated her to be consistently recognized as a Top Producer and Top Sales Associate and team both with RE/MAX; her former alliance as well as Keller Williams.

Rene is a member of the National Association of Realtors, Texas Association of Realtors, Collin County Association of Realtors the latter which she spent 2 years as the Director of the Board. She is also an active member of the Women’s Council of Realtors where she served as the 2011 Past President for the Collin County and served 5 years on the board.

Before working in real estate, Rene worked as a financial executive assistant for Whirlpool, Merrill Lynch and Cain Watters & Associates PC for a decade after receiving her real estate license in 1992.

Rene and her team dedicatedly work with first time home buyers & sellers to Luxury Real Estate in the Dallas, Plano, N. Dallas, Allen, Frisco, Prosper, Celina, Little Elm, McKinney and nearby cities. Her focus on quality service, professionalism, and client satisfaction have earned her following accolades and awards:

  1. Keller Williams Realty Plano – 2015 Agent Leadership Council (ALC)
  2. Keller Williams Realty Plano – 2010- 2014 Top Producing Associate
  3. Keller Williams Realty Plano – 2011-2015 Top Producing Team
  4. Five Star Real Estate Agent, Texas Monthly Magazine, 2013-2015

 

Dani Hanna

Expert-Agent-in-Dallas

Dani Hanna has over 11 years of knowledge in real estate and more than 24 years of in-depth experience of residential home construction, contract negotiation, and organizational expertise. She diligently navigates the buying and selling process to your advantage. Dani is constantly acknowledged as a top producing agent and one of the best real estate agents in the mid-century neighborhoods of central Dallas, including Lakewood, Oak Cliff, the M-streets and Lake Highlands.

Dani’s clients and peers have recognized her willingness to step outside the box to attain her goals. Her clients say she is a true advocate of their best interest and puts the right people in place to execute their specialty. It’s no wonder she is constantly a top producer at Dallas City Center, with sales more than 20 million dollars. Dani enjoys tremendous client loyalty for the past five years in a row and has also been named on D magazine’s “Best Real Estate Agents” list since 2007.

Call Dani today if you are seeking a clear communication, seamless real estate transaction and local market expertise.

 

Debbie Murray

Super-Agent-in-Dallas

Debbie Murray has relished an exceptionally successful real estate career in Dallas where she was voted as “D Best Realtors in Dallas” by D Magazine and named a Unique Homes “Elite 2008” realtor” by the esteemed magazine. She attained her real estate license in the mid-1980’s while working as a Series 7 and 63 certified associate with Merrill Lynch. Debbie has keenly served condo, single family home and townhome buyers in the Dallas area for the past 17 years. Her in-depth knowledge of Dallas, Denton and Collin counties has brought her new and repeat clients from each. Besides a luxury home specialist, Debbie also focuses on home staging, international buyers, buyer representation, pro athlete and corporate relocation and new construction.

Debbie’s comprehensive relocation experience has served transferees from major corporations such as Cadbury Schweppes, State Farm Insurance, J.C. Penney, Hunt Oil, Price Waterhouse, and Mohawk Industries. She holds a BBA degree in Marketing from the University of Texas at Austin. As a marketing major from one of the leading business schools in the US, Debbie is equipped to innovatively implement a tailored marketing strategy for your home.

Debbie’s clients benefit from her Broker’s license education and the special skills which she has attained from her 9 professional designations.

  1. Certified Luxury Home Marketing Specialist
  2. Certified Negotiation Expert
  3. Accredited Staging Professional
  4. Certified Residential Specialist
  5. Accredited Buyer Representative
  6. Graduate Realtor Institute
  7. e-Pro Internet Designation
  8. Transnational Referral Certified
  9. Equator Short Sale Designation

Debbie says, “My designations have trained me at a higher level in real estate.  It is exciting to share that knowledge with my clients when helping them purchase or sell a home.”

Debbie is a member of the MetoTex Association of Realtors Forms and Contracts Committee and serves on the Board of Directors for The Suicide and Crisis Center of North Texas. Proud of her association with the number one producing residential real estate office in Dallas (and Christie’s International affiliate), Debbie expect to work with you!

Debbie has surpassed in real estate sales as she attentively listens to her clients, always putting their needs above all. A home’s resale value is Debbie’s number one priority, whether her customers are buying an existing or building a new home.

 

Laura Michelle

Awesome-Agent-in-Dallas

A consistent real estate expert for almost 20 years, Laura Michelle characterizes the meaning of outstanding customer service. She has been consistently honored as a multi-million dollar producer and best agent by several publications. The idea of connecting property, architecture, and people fascinated her while concentrating her studies on Business and Real Estate at the University of Texas, where she graduated with honors. Laura provides a sophisticated understanding of the trending market to her clients and offers counsel from a business manager’s point of view. She strives hard to provide unmatched service and offers innovative tactics to reduce the stress from purchasing or selling a home in the Dallas, Garland, Mckinney, Plano, Richardson areas.

She holds the Accredited Buyer’s Representative (ABR) and Senior Real Estate Specialist (SRES) designations along with her broker’s license offering buyers with the highest level of service in a transaction. Laura concentrates on fostering customer relations with the latest technology and marketing developments. This has earned her the following accolades:

  1. D Magazine Best Agent and Top Producer for 2010, 2011, 2012, 2013, 2014 and 2015
  2. Texas Monthly Five Star Professional Award
  3. ‘Dallas Top 10’ Realtor
  4. Top Performing Individual Agent
  5. Relocation Network Member
  6. Licensed Texas Broker- Member of NAR, TAR, GDAR
  7. Recipient Industry VIP Award for Customer Service

Laura is the best producing agent in several properties sold at Dave Perry-Miller & Associates and the industry has acknowledged her with the VIP Award for Excellence in Customer Service.

 

Tom Rhodes Jr.

Best-in-class-Agent-in-Dallas

With over 38 years of experience in Dallas real estate, Tom Rhodes Jr has sold more than $1 billion in homes and properties. He is a Certified Residential Specialist, a Certified Commercial Investment Member and a Graduate of the Realtor Institute and leads The Rhodes Group. With unparalleled market knowledge and impeccable customer service, the Rhodes Group can market their clients’ home most effectively and have averaged a home sold every 2.5 days for the past decade. When you appoint The Rhodes Group, you hold the power of Dave Perry-Miller & Associates (a subsidiary of Ebby Halliday, the leading privately-owned real estate company in Texas) whose performance is supreme in the industry by selling more than one-fourth of their listings in-house and each averaging nearly one million dollars per sale.

With over 85% of The Rhodes Group’s clients coming from repeat and recommendation business, it has been named to The D Magazine’s list of Best Real Estate Agents in Dallas since 2004.

 

Bill Shields

Experienced-Agent-in-Dallas

Bill Shields has more than 30 years of professional real estate experience in home buying in Collin County and Dallas County. He specializes as a buyer’s agent and dedicated to helping you find your ideal home. Shields and his team negotiate the best price and choose the right strategy to protect your rights and interests throughout the entire home buying process. With over 20 years of experience as an Exclusive Buyer’s Agent, Shields assesses home values based on previous sales and help you purchase the right home at the lowest price. Shield and his team of skilled real estate professionals have the updated information on the great North Texas communities.

Bill Shields is a Certified Negotiation Expert (CNE) and has the following Professional Real Estate Memberships:

  1. Accredited Buyer Representative (ABR®)
  2. Accredited Buyer Representative Manager (ABRM®)
  3. Certified Residential Broker (CRB)
  4. Collin County Association of REALTORS®
  5. Texas Association of REALTORS®

Prior to entering the world of real estate on your own, see if any of the above Dallas realtors can help you instead. It will take just a few minutes to analyze their transactions and reviews and find the best match based on your needs.




An offshoot of Home Warranty, Structural Warranty is a legal agreement between the builder of the home and you – the owner. Structural Warranty functions basically in the case of new homes, wherein the builder assures that the home he has built will have no structural defects for a period of ten years after its construction. His claim is covered by the company which offers him warranty coverage for the building, at times additionally including workmanship and internal systems.

Top tips for Structural Warranty for Newly constructed homes

The system functions just like Insurance, but covers defects which may occur due to age and wear and tear, not natural disasters or unforeseen circumstances. Like the Home Warranty covers the items in a home – its appliances, wiring and plumbing systems, interiors etc. – Structural Warranty covers elements like the foundation, girders and beams, roofing, and flooring.

What is Structural Warranty?

Before the purchase of a home, it is advised for either the new owner, seller or realtor to purchase Home Warranty, in order to establish a relationship of trust and confidence in both parties involved. Just as a Home Warranty leaves the new owner knowing that his home and all that is in it is secure for at least a year after its purchase, Structural Warranty establishes the same sense of security in the buyer of a new home straight from a builder.

It is rather simple – all structural defects are now to be fixed by the company that the Warranty has been purchased from or by the builder offering the warranty himself, and as long as the terms and conditions are met, neither the builder nor the new owner is liable.

Is Structural Warranty Necessary for me as a Buyer?

We see before our eyes appliances, electrical systems and plumbing leaks occur every once in awhile – but most of the time structural damage is noticeable only after it is too late. Given that large parts of the US are known to have soil that expands with seasonal changes, statistics show that more than 25% of all buildings in the country experience some kind of structural damage during the first decade of their life, almost 10% of this being major and often irreversible.

It isn’t always about how reputable the builder is, in fact, the more reliable the builder the higher the chances are of them investing in warranty for the homes they have built. Years after a deal is signed, sealed and delivered, a matter like soil expansion that is out of the hands of both the parties can spring up, making Structural Warranty the only way to guard against massive expenditure out of your own pocket in the future. Studies show that the warranty is most often claimed 4 to 7 years after a home is built to completion.

The Builder’s Perspective

Settling Terms of the Deal

The chances of an individual investing a sum as large as the cost of a home in anything else in his or her lifetime is very slim, making this purchase one that could develop complications if not done right. Builder’s offering Structural Warranty for the home they have built can not only assure the buyer of their expertise but also give them a legal document to go back to in case frivolous lawsuits or complaints are lodged. Like in the case of any two-way agreement, responsibilities, terms, and conditions are clearly outlined.

A Middleman

If a third party company is used to establish a warranty, then any complaints, disputes or discussions will be handled by them – until the point of reconciliation. This saves time and discomfort for both parties involved, especially the builder.

Value of the Home

If you happen to be a builder with larger holdings or varied properties and houses, then the value of each building is sure to increase if Structural Warranty is added to the mix. Use it as a marketing strategy, one that is true to every word and will help you build lasting relationships with your clients.

How Structural Warranty Works

Structural Warranty functions according to the guidelines of the Housing and Urban Development department of the US, which stipulates particular criteria within which a company must cover damages. Larger builders may choose to provide their own Structural Warranty schemes to the buyer, while builders without a department to handle such claims or smaller building agencies may choose to use third-party warranty companies. Even more so than Home Warranty claims and structures, Structural Warranty coverage and insurance backing vary drastically from builder to builder and company to company. If you happen to be a part of the decision making of who to choose, make sure you do your research and pick a coverage that is extensive and appropriate to your home.

What Structural Warranty Covers

If you go through a Structural Warranty contract or guide, you will notice one important point – the extremely specific and near legal language used to describe what that particular company or builder covers. Structural Warranty owes this specificity to regulations set by the Housing and Urban Development Department of the US, as well as to the builders’ need to protect themselves from futile claims and lawsuits.

Due to each Structural Warranty being unique (much like Home Warranties state-wise laws), we will get into what the warranty covers in general. Know that this isn’t ironclad, and you have to cross check the terms and conditions with your builder.

As a whole, third-party companies offer two kinds of warranty, one which accounts for any damage to the structure of the building from the moment the deal is closed between the builder and buyer. The second stipulates that the company will only begin to cover damage to the home 3 to 4 years post the sale, implying that any structural damage before then is up to the builder to fix.
Each company usually has a base plan and other additional perks that you can choose to opt for.

The basic coverage usually covers the following:

  • Beams, Pillars, and Columns
  • Girders and Lintels
  • Foundation of the home
  • Masonry arches
  • Roof beams, and framing systems
  • Flooring
  • Walls and partitions that bear the load and contribute to the building’s structural validity.

The last of these, load bearing partitions, are often accompanied by the additional coverage of non-load bearing partitions. These claims are almost purely cosmetic, and certain Structural Warranty companies do assure the fixing of these, keeping in mind the original material integrity of the home.

Integral to any warranty and insurance difference, Structural Warranty doesn’t cover any damage due to natural disaster, accidents or unforeseen circumstances; anything that is covered under insurance, basically.

Lastly, any structures added to the original home – an extension, outhouse and detached garage space for examples – would not be covered. If the need is felt, the builder could then purchase a separate Structural Home Improvement Warranty.

The Cost

Individual state laws in the US tackle Structural Warranty in different ways, making the cost different in each state as well. On an average, if the basic warranty is purchased, then it shouldn’t cost more than 1% of the purchase cost of the home. In most states which are positioned in low-risk areas (minimal soil expansion, etc.), the price is only about half a percent of the home’s price, whereas in high-risk zones the price can go up to 1.5% to 2%.

When looked at it in terms of a median example, while Structural Warranty would cost anywhere between $500 and $1500 for ten years, the repair in case of structural damage could be between $50,000 and $100,000; Structural Warranty being about one percent of the estimated repair budget.

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