Any homeowner who lives in Nevada and is shopping for a home warranty, also called a home service contract, will want to read this article. Why? Well, for one reason, HomeWarrantyReviews.com is one of the most established sources of reviews for home warranty companies in the U.S. And thanks to the thousands and thousands of reviews we’ve compiled on our website, we can offer you fair and objective input regarding the home warranty companies in Nevada that are doing the best job serving their customers needs.
So, which home warranty companies are the best in the state of Nevada? Let’s find out!
Nevada is famous for its desert areas, Las Vegas in particular. And with desert days you can expect several months of daily average temperatures above one hundred degrees Fahrenheit. As if the desert days are not challenging enough, desert nights can be a bit extreme too, temperatures plummeting from the daytime highs. When you push your heating and cooling systems to their limits you increase wear and tear and increase the chance of encountering frequent problems. With this in mind, Nevada homeowners should carefully consider their choices of home warranty companies, assuming the heating and cooling systems will be covered items.
All of the top companies listed in this article have something in common. That common thread is quality service. No matter what appliances and systems you want covered, you primarily want to know that when something breaks down it will be fixed quickly and correctly. And for that reason you can compare one common aspect of every home warranty company, that being the performance of the company when claims are filed by customers. To do that though you need real, accurate, fair feedback from homeowners like you. Luckily, you’re at the right place for that.
HomeWarrantyReviews.com ranks companies based on user feedback, not based on how much companies pay for advertising. You will find that some other websites that rank home warranty companies do not do the same thing. If you trust a website that ranks companies arbitrarily then you may not be happy with the end result. What we can offer you below is a list of top companies that service the state of Nevada, a list that is only influenced by consumers just like you, people with direct experience filing claims with these companies. So get out your paper and pen. Here is the list of top companies servicing Nevada, based on the current standings on our website.
You may be familiar with these companies. All of these companies advertise their services widely. But what makes them so successful in Nevada? As is the case with nearly any home warranty company, a great repair contractor can make the customer experience much better than it would have been if the home warranty company didn’t have a good network of qualified contractors in the area. Home warranty companies have to work very hard to make sure they have enough contractors in each area they service. The companies also must maintain records of customer satisfaction in order to ensure that the contractors are making their customers happy with each service call. So how do these companies do with regard to customer satisfaction if you focus on the contractors doing the work? Read on to find out.
When you have as many customers as American Home Shield does it becomes a challenge to keep them all happy. But AHS has clearly made a good impression on its customers in recent months. Just scanning through the top ten reviews we found nine of ten reviews with very high ratings and very positive comments specifically mentioned the great service from the repair contractors. In several reviews the comments referred to AHS’s consistent delivery of timely, high quality repair services via the company’s contractor network. And that network is one of the strongest reasons for choosing a top rated company like AHS.
In eight of ten recent reviews we examined we found specific praise for the repair technicians that The Home Service Club sent to their customers’ homes. Though there were two negative reviews in the group we looked at, overall the customer reviews were consistently positive, particularly with regard to the time it took to receive repair services and the accuracy and cleanliness of the work performed. HSC appears to have good contractors working with them in most areas they service and appears to have a very efficient process for dispatching contractors when claims come in.
In the case of Select Home Warranty we found that nearly all of the recent reviews had extremely positive things to say about the claims process, from start to finish. One reviewer contacted Select after 11:00 pm to report an air conditioning problem and had a contractor at his home within five hours. Another reviewer wrote that Select Home Warranty authorized the use of a repair contractor the homeowner picked, instead of asking the homeowner to wait for a network technician to be available. Stories like this are not altogether unheard of in the home warranty industry, but when you see consistently high praise for the timeliness of repair contractors arriving after claims are filed you know you are looking at an exceptional company. And that is the type of company that every homeowner wants to do business with.
Landmark Home Warranty has some very happy customers. Looking through the company’s recent reviews we noticed that all are positive and nearly every one gives specific credit to the customer service representatives and the repair contractors. This sort of applause from customers is important, because when you see that most reviewers are happy with the entire claims process, end to end, you can expect that the company will deliver similar results to any of its customers.
Home Warranty of America, like the other companies listed here, has a very high rate of great review comments and ratings. With only a handful of negative reviews among the many that we examined it’s not surprising that HWA consistently ranks among the top companies on our website in most of the areas the company services. Many of the reviewers indicated that they were introduced to HWA’s services by a real estate professional. In some cases real estate professionals themselves took the time to write reviews. So it’s possible that many of our Nevada readers can learn first hand about HWA from the professionals helping them list or purchase their houses.
Being great in any business means being great consistently. What our readers can take away from this article is the benefit of thousands of consumers’ personal experiences. Knowing that so many customers in Nevada have been pleased with the service from these companies, readers can be much more confident in considering any one of these companies for a home service contract. But don’t just take our word for it. While you’re on our website we encourage you to read reviews about home warranty companies, not only for these ones but for any others you may be considering.
Imagine how messy your kitchen would be with unwashed dishes and bowls if your dishwasher breaks down! Washing those utensils & dishes manually can be cumbersome.
You can stay away from such tricky situations by taking good care of your dishwasher. We have provided below, a simple list for maintaining the appliance. This guide will not only help you to reduce maintenance expenses but also increase the life of the dish washer.
Even if you have an appliance warranty plan, warranty companies expect you to maintain your appliances in good condition before carrying out any repair related work.
If you have been using your dishwasher regularly, then frequent cleaning is not recommended for the interiors of the dish washer. Fortunately, dishwashers don’t need cleaning very often and it’s not hard to clean them.
When you decide to clean them, follow the steps below.
The above simple maintenance tips can make your dishwasher run efficiently and reliably. They also help in extending the life span of your dishwasher leading to prevention of high replacement or repair bills.
Home protection plans, commonly known as a Home Warranty or appliance protection plan is a service contract that agrees to offer discounted repairs and replacements of your household appliances. It means that if any of your covered appliances breaks, the home warranty company shall provide you with a qualified technician who will repair your device and cover the cost of repair as well.
Ideally, appliance protection plans are best suited for people who have appliances that are fairly used and above 4 years in age, as this is the time where most of the functional issues arise. It is highly recommended that you purchase a home service contract if any of the following are or all are true.
If you were to ask if these plans are worth the money, then we would have to admit that there is no straightforward answer to that. There are quite a lot of happy customers out there who swear that purchasing home warranty was the best decision they ever made and yet there are people who think otherwise. It is up to you to decide if you will benefit from a home protection plan. If you are in need of more guidance, please read the Home warranty buyer’s guide.
You purchase the appliance protection plan from a home warranty company for a certain amount of coverage. This coverage could be vast and cover almost all the outside and inside appliances or it could be the basic version. If a device covered by the plan fails to operate properly, you simply place a call to your home service contract provider. They will then call up a service vendor with who they have contracted and tell them about your issue. Service vendor then collects your contact information and contacts you to fix an appointment.
He/she then comes to your home to take a look at the damaged gadget. If the repairs needed are minor, they will oftentimes be fixed on the spot. Major repairs and part replacements need approval from the home warranty company. If parts are to be replaced, the home warranty company shall procure them for you and get the appliance fixed. Sometimes, if the technician determines that the device can’t be repaired, depending on your coverage, the home warranty company may replace your device.
Hence, one can say that the benefits of Home warranty are the following:
As mentioned before, there still exists a school of thought that home warranty plans are not worth the money. Hence, we must discuss the drawbacks of these plans.
Because of these reasons, we suggest that folks who fall under the following categories, don’t purchase a home warranty. This is only a suggestion, if you believe that you shall benefit from a home warranty plan, you should go ahead with it.
You can consider an extended warranty to protect your new devices. You can read about the differences between home warranty and extended warranty to clear your doubts.
If your devices are new, chances are low that they may need repairs often. Also if they are still covered by the manufacturer’s warranty, any damage will be covered by them, provided it is not an excluded case. And all of this is unnecessary if you are a repair vendor yourself!
Home warranties can be a great way to protect your budget and your appliances. As mentioned before, if you fall into the former category where your devices are old and so on, we highly recommend that you purchase a home warranty. Otherwise, you can do without one.
A lot of unpleasant instances occur due to lack of understanding of the working of the plan. Hence, we urge you to read the policy booklet and the offer document carefully before you make a commitment. These documents are highly significant and have to be studied and preserved carefully. If you are certain that you want to purchase appliance warranty, please go through our reviews section to choose the best provider out there. Good luck!
In a quite short period of time, home protection plan have grown considerably in recognition. Today, the plans are almost standard in every city real estate transactions, where 8 of every 10 homes sales are covered. Homeownership can be one of life’s many pleasures, but it’s not always cheap. Most likely the last thing a homebuyer wants to do after closing on their new home is to shell out even more money on appliances or systems that unpredictably break or malfunction. It’s a usual part of being a homeowner, though, and procuring a home warranty protection plan is one way you can attain some peace of mind.
When your appliance breaks down, don’t worry about whom to call to fix it, or what it will cost. There are various options by which you can protect your budget from pricey emergency repairs.
Want to know how home warranty works? Watch this video –
Home warranty plans, also called home protection plans, are basically service contracts or insurance policies that cover major appliances and systems of a home. It’s a good idea if you are a first time home buyer without any understanding in maintaining a home or property. Homeowners insurance does not cover breakdown of a home’s major systems or appliances, but a home warranty protection plan can help with repair expenses such as refrigerator that stops running, or your air conditioning system breaks down in the middle of the night.
When a breakdown happens that involves a system covered by the home warranty plan, the homeowner calls the insurance firm and desires a service call. The cost of the service call, which ranges from $35 to $95 per visit based on your location, is salaried by the owner. The warranty company allots the call to an approved contractor, and the home protection company shells out for the system repair or replacement.
Home warranties naturally cover the mechanical systems of a home such as heating, plumbing, water heater and most built-in appliances. Structural components and pre-existing conditions are usually are not covered. For instance, if the water heater hasn’t worked properly for some time, it possibly that it won’t be covered in the buyer’s home warranty plan. Other items which are typically not covered include faucet repairs, sprinklers and permit fees. Some home warranty cover roof repairs and garage door openers with certain limits.
Another common problem with home warranties is that you will not be able to decide the repair provider that will care of your problem while the warranty is in effect. Normally, if a covered item breaks down, you will put notify your home warranty company, which will select a service provider with which it has an agreement.
Additional coverage is accessible under most home warranties at an extra charge for a spa, pool, air conditioning and freestanding appliances, such as washer, refrigerator and dryer.
Coverage usually runs for a year, but it may be extended at the owner’s choice for a renewal fee. Some people keep their home warranty policy in position for years and years. If the home protection plan is ordered at the time a home is bought, inspections are normally not required.
If you don’t want to have to be anxious about repairs in your first year of home ownership, a home warranty may be a good idea. However, it is imperative to weigh up your warranty, to ensure that you will be properly covered.
Know the basics of home warranty.
Extended warranties, by providing protection for pricey purchases and increasing the span of a product’s original warranty, have become the standard for many retailers. These warranties often appeal to economical consumers, for whom purchasing big-ticket items like appliances and electronics can be a challenging decision.
An extended warranty or service contract is like an insurance policy – your savings buys off only when the most evil happens. But do you actually want one? These days, almost all the brand – name appliances are sturdily – built and generally last their usual life span with few or no repairs, rendering extended warranties pointless. In case you do choose to get one, ensure that you do your homework.
There might be instances where an extended warranty is affordably priced and makes up for a limited warranty that covers little ground and has short period of time, and thus, is worth it. But too often, they are a waste of money. Before you purchase an extended warranty, ask yourself the following questions:
You frequently forget that while your product may certainly break down later on, the price of the product will also depreciate later on. Only when the forecasted cost of replacement or repairs become considerably greater than the present cost of the extended warranty, should one consider buying the extended warranty. And still, a warranty must only be thought out if there is also a significant chance that the appliance will stop working in the first place!
Certainly, warranties are significant and you must always ensure that when you buy pricey appliances – like clothes dryer for example – that it has a warranty to follow with it. But if a salesperson is attempting to get you to buy an additional extended warranty, be doubtful. Think about sales and advertising. There is always an income motive and retailers and merchandisers can regularly make money off consumers when they purchase extended warranties than when they buy replacement products or pay for repairs! This is why third party companies and retail stores provide extended warranties, not the manufacturers.
Think about sales and advertising. There is always a profit motive and retailers and merchandisers can often make more money off of consumers when they buy extended warranties than when they buy replacement products or pay for repairs! This is why retail stores and third-party companies offer extended warranties, not the manufacturers themselves.
The moral of the story is that you must do a little math and significant thinking prior to buying an extended warranty. Possibly it will be a wise purchase, and may be the money will be better used up toward other services or products.
Don’t lose your cool over unforeseen home repairs; call the experts for a home service contract. One such company that provides Service Contract is Service America. Never again will you have to worry yourself with the hassle and high cost of unforeseen repairs.
Service America is protecting its customers from unpredicted air conditioning, appliance and plumbing repairs for over 38 years saving them a ton of money, time and unnecessary frustration. When something breaks down at home, it becomes necessary for you to rush and find the right technician to fix the problem. Many times it’s an urgent situation and you don’t have the comfort of shopping around for the best price. But you can avoid these types of stressful circumstances, save money and experience peace of mind at the same time by buying a Service Contract.
A Service America Service Contract covers all these appliances and services for just one low yearly cost.
Quoting and buying a service contract takes a few minutes but expectantly you will find it effortless. In order to obtain the best possible coverage you need to give basic information about your home.
In the heating, ventilation, and air conditioning (HVAC) industry, equipment servicing is generally headed by the issuance of HVAC service contracts. The key purpose of this is to describe the terms of service as well as the cost, the length of service and what requires to be done, and each package of contracts is exclusive to each type of service. These service contracts incorporate full-coverage, full-labor, preventative-maintenance, inspection contracts, and end-use contracts.
All of these HVAC service contracts cover the tasks of each party, material cost, wages and how to decide arguments with a complete document. The equipment, procedures, tasks, unique descriptions and reports on the precise work to be done ought to be covered as well. Every contract also sketches processes and details the responsibilities of the contractor and owner. Regardless of which contract is signed, there can be several contracts put into practice for the same parties at any given time.
Appliances are a vital component of a well running home, as they are utilized every day. When they stop working, an appliance repair professional is able to restore the item to full working order. Along with repairs, professionals will regularly service your appliances to make sure that they run as safely and efficiently as possible.
Appliance repair professionals can render the following services amongst others:
While hiring your appliance repair professional, make sure that you get a quote on the work that needs to be performed. Ensure that the quote incorporates the call out fee and the cost of any parts that must be replaced. The professional must also be ready to give assurance of their work for a certain period of time. It’s good idea to investigate several repair pros in your area and pick the one that offers experienced technicians, reasonable prices, and good customer service. Always make sure that the professional is insured and licensed.
The intensive cultivation of plants in small living spaces, growing a micro-garden has become an urban phenomenon in the past decade. Using gardening tricks like vertical gardening and hanging planters, you can optimize the space at your disposal to garden away from your worries and reap rich health benefits out of it!
Growing a micro-garden is all about the management of space – be it a little strip of soil at the base of your porch or a few feet of a landscaped garden on your terrace.
Creating depth and dimension by using mounds, tiny hills and valleys can add to the surface area, and provide for different plant types at the same time.
Give the carrots and beets a little extra room to grow below the surface, allowing for the daisies to flourish in the shallow end.
Micro-gardening also requires you to plant in tandem with what the space can handle. Planting broccoli and cauliflower in pots for example, narrows down the yield to one plant per pot, each only giving you crop once. On the other hand, salad leaves, peas, peppers or vegetable creepers can last a whole season and feature at the dining table pretty much every meal.
Choosing to landscape your yard, however small, with only grass uses up the nutrients in the soil and requires way too much water to maintain. Hit two birds with one stone – aesthetics and fresh organic produce, and all from your own garden.
It doesn’t have to be all about the produce, and along with chemical-free homegrown vegetables can be great for your health, the lush maroons of beet leaves along with dwarf lemon trees and even cherry tomatoes can make for a beautifully landscaped micro-garden – a decorative landscaping strategy!
For your fruit bearing plants to flourish and the plants – both edible and flowering – to retain their strength and reproducing ability each year, pollination cannot be ignored. Herbs such as rosemary and basil act as great pollinators, as do flowers of plants such as squash and eggplant with their bright shades of yellows and violet calling for attention.
Gardening in limited yard spaces, pots and containers confine the availability of soil nutrition to a great extent, making it all the more important to consciously fertilize the soil during the planting process with compost and then keep it up with regular top soil additives.
Making sure that the plant grows to its fullest though the space available is restricted, fertilizers can not only boost the speed of fruit bearing but also keep the plant healthy and pest-free.
Nutrition can be kept at its optimum by using companion planting as well. A technique known often as soil real-estate, planting pairs of creepers and trees with tubers – potatoes under tomatoes, or carrots and onions under herb bushes for example – can not only save space but also allow the soils nutrients to cater to the different needs of different plants, often even replenishing itself.
Not all plants require yards and balconies, in fact, those precious kitchen spices and herbs can grow right at the kitchen window sill, as long as they get a daily dose of sunlight. From thyme and parsley to even ginger and tender garlic and pepper, windows work as just the right bridge between the elements outside and the comfort of your home.
It doesn’t have to be herbs in the kitchen, pretty much any window which is east facing can act as an active decorative space – full with pansies, gardenias, and purple passion, amongst many others.
Look at every space with a new perspective, and you can extend your micro-garden to creepers on the mailbox posts, cacti in broken crockery, lettuce along the walkways and even grapevines on the gate.
Hanging gardens aren’t off the table either – containers hanging on fences and railings or even simple hooked pots from the ceiling can overflow with creepers, maybe even some fruit bearing. The added benefit of hanging gardens, as opposed to those rooted in the soil, are that they can be moved around, making them easy to clean and shift according to season or sun exposure.
The fun of micro-gardening is its perfect balance between creativity and good-old landscaping. Don’t think of it as just a conventional utilization of your green thumbs; you can grow your garden in anything from old tires to broken tanks and fish bowls!
Cracked vessels make great containers as well, especially since the crack acts as a ready drainage system.
Decide which plant to pot according to your container size, a large plant will not grow in a small container and the other way round is just a waste of space. Also provide enough water to your container garden, as containers that have soil in them dry out faster and those nutrients flush out sooner.
Everyone’s heard of the famous vertical gardens scaling up walls in Hong Kong and Singapore, but they can just as easily be recreated right at home. With vertical gardens, there is a range of methods that you could employ; from the use of a traditional trellis to a recycled pallet planter or hanging hydroponic window gardens.
Accommodating everything from tomatoes and strawberries to squash and melons, these micro-gardens function just the same way as any others do, as long as the plant isn’t one that has very deep roots.
We’ve explored possibilities flat on the ground, scaling walls and even creeping up poles and pillars, but we have one last treat for you micro-gardeners – upside down hanging gardens.
Provided you choose plants with a dense root structure and support them well, upside down planters can hold and nourish anything from cherry tomatoes to strawberries and even kale – all with the added fun of seeing your garden head first!
For those of you who have space for soil beds, raising the bed a few inches or even a couple of feet off the ground can greatly help the gardening process. Giving the roots more space, allowing the excess water to drain and letting you restrict the soil to only where you want it, raised soil beds maximize space and minimize effort.
Having the plants a couple of feet off the ground reduces your need to hunch as well, a sure blessing for your spine.
Besides the weekly dusting off of topsoil, checking for cracks in the containers and weeds strangling the plants, micro-gardening is too close to your living space for you to not keep an eye on its possible repercussions.
None that can cause serious immediate damage, any micro-gardener must know that a part of the job is to keep a check out for seepage on the walls and possible weight bearing issues related to rooftop gardens and heavy planters.
Not allowing these concerns to come in the way of you keeping your green fingers busy, HomeWarrantyReviews.com acts as a threshold for you to enter the world of Home Warranty. A simple, quick and reliable escape from service and repair related errands and coordination. Home Warranty Reviews ensures peace of mind for you by providing with the vast knowledge base of research, ratings, and free tools so that your home never runs out of home warranty coverage according to your specific needs by calculating what exactly you want!
Just as we have discussed the various aspects of micro-gardening, what to do and what not to do when you garden at home and all tips and tricks on how to get the best out of it, HomeWarrantyReviews.com gives you a chance to explore the world of home warranty from the inside, with tips and tricks of its own. With access to reviews from professionals as well as customers, consumer research based articles give you the best of both worlds – the technical aspects as well as the personal experiences of users and agencies.
Moving into a new home is always something people look forward to. While new beginnings promise hope and happiness, there are some things you need to consider before you pack up and make the move.
Whether you are buying a home or renting , the rules remain pretty much the same. One must carefully inspect the property and neighborhood to determine whether it suits your needs and lifestyle.
Hire a professional home inspector to take a look at your new place irrespective of whether the home is old or new. As discussed elsewhere on our site, home inspection reveals existing and potential faults with the property and the appliances. This is all the more necessary if you are planning to buy the house.
If there are multiple faults with the house, it means that you will be spending a lot of money on repairs in the future. While all home warranty companies do not mandate a home inspection, it may be a good idea if you are planning to purchase a home warranty to protect your budget. However, if the owner is selling a house with an existing warranty plan, an inspection may not be necessary.
However, if you are planning to rent the house, you don’t need a professional home inspection. You can do a basic assessment yourself to ensure that the home is functional.
This step consists of several little things. Most sellers and owners exhibit their property claiming that it is ready to move in. However, there are some vital points that you need to check/implement.
If you are buying the house and if you plan to do it on mortgage, homeowner’s insurance is always mandatory. Apart from this, you may need to buy a home warranty to cover your budget in case any of your appliances break down.
Select the plans well in advance so that you won’t have to spend time on it later when you are tired after all the moving and unpacking.
Speak to your neighbors and get to know your neighborhood. New neighbors are the best sources of information about facilities available in the vicinity. Also ask about the general atmosphere in the area.
Once you meet your new neighbors, it will not be a bad idea to drive around the place. When you do so, make a note of the department stores, hospitals, eat-outs and other essential joints in the vicinity.
And You’re Done!
You’re almost there. Once you change your address and telephone numbers, you are ready to move! Last but not the least, make sure you hire a reliable and reputable packers and movers. Lousy ones cause damage to your items. Best avoid them. Good luck!
Hope you enjoy your new home!
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.
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.
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.
Name the next column as “life expectancy”. Fill it in with average expected life spans of every appliance/system.
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.
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|
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.
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.
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).
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.
Condos are a great substitutes to renting an apartment or possessing a single family home and they have their own unique insurance needs.
Condo Warranty is similar to appliance warranty and provides condominium owners with coverage for repair of major appliances and home systems.
Appliances are intended to make your lives simple. Refrigerators, dishwashers, stoves, and other kitchen compliments not only assist you in doing everyday chores and prepare food faster, but they take some of the monotony out of your day and allow you more free time, as well.
Unluckily appliances, like any other piece of machinery can stop working. When that occurs, instead of saving your time and hassle, your malfunctioning appliance can actually add to your stress. This problem becomes even bigger when the malfunction occurs soon after you buy an appliance. To avoid the extra stress of dealing with faults of a brand new appliance, an appliance warranty is a brilliant tool to have in your corner.
When procuring an appliance, inquire if the appliance is issued by the dealer or if the appliance is covered by a manufacturer’s warranty. Some retail chains and dealers buy appliances from the makers without a manufacturer’s warranty, so as to lower their costs. There are quite a few disadvantages to this.
In case you buy a product for commercial/store use for a boarding house, townhouse, or apartment building with an ordinary kitchen or laundry room, make sure to study the warranty limitations. The majority of domestic appliance warranties are only meant for single family use.
Bear in mind that the majority warranty companies, no matter at what condition your appliance is, they would still repair it than replace it.
Condo Warranties are there to cover you when a trouble happens due to a defect.
A home warranty is planned to cover repair and replacement costs for major home systems and appliances (like wiring, plumbing etc.). Usually, a home warranty is bought as a contract for a year, with either annual, monthly or quarterly payments.
Even if you might have to pay a small deductible when you raise an issue, with a home warranty, you will have less worries about large, unforeseen bills caused by appliance or home system breakdown. When merged with your dealer condo warranty, a home warranty must ensure that, one way or other, if something goes wrong you will be able to manage it without breaking the bank.
Condominium insurance is a unique insurance intended to fit the detailed needs of condo owners. Similar to renters insurance, condo insurance offers liability and personal property protection. However, condo owners need to consider additional coverage for the building based on their condominium association’s master policy and it’s coverage.
So take a look at this article, you can learn about condominium insurance below, and then obtain a free quote to see if it can help you get the coverage you need to defend your residence and your belongings.
You possess a condo and the association has insurance. So what’s the big deal? Well, your condominium association insurance covers the condominium building, commonly owned property, and liability insurance for the association.
Regrettably there are many instances where that insurance policy won’t cover you or your things – like water damage to your living room walls, break in, or someone gets injured by slipping on your wet kitchen floor. For this reason, you need condominium insurance planned specifically for condo or co-op owners.
If something happens to your condo or townhome, it may be up to you to put back things like flooring, drywall, light fixtures, cabinets and more. That’s where condo liability insurance comes into the picture.
Many condominium associations only insure the building’s structure and general areas, typically leaving each unit’s interior construction to the homeowner. However, condo insurance coverage may also vary by state.
All-risk contents coverage insures the possessions inside your home for the most common types of losses. When you have this coverage, your contents are insured for the whole thing, unless it’s particularly excluded from your policy.
Named-Perils coverage includes a catalog of the most common types of items covered under your insurance. It includes theft, fire and water damage. All the items are clearly listed in your policy booklet so that you have a thorough knowledge of what your insurance policy covers.
A standard home policy usually offers for the Actual Cash Value (ACV) replacement of your possessions. This means you only obtain the value of the item, less reduction. For instance, if you bought a TV 5 years ago for $500, you might only receive $100 for it if it were damaged in a fire. Even if it may cost you $600 to substitute that same TV, your insurance would only give you $100.
Many people opted to add the Replacement Value option to their contents coverage. Replacement value coverage means that the contents of your home are insured for the amount it costs to replace them. When you substitute the item(s) with a similar kind and quality, within a definite time, the insurer will pay you what it cost you to replace the item(s). This means if your 5 year – old TV was lost in a fire, you would obtain the full amount it would cost to replace it.
When you replace the item(s) with a similar kind and quality, within a specified time, the insurer will pay you what it cost you to replace the item(s) not what they were actually worth in their used state. This means if your 5 year-old TV was lost in a fire, you would get the full amount it would cost to replace it, even if that is more than you paid for the TV in the first place.
Detached Private Structure. This type of coverage applies to structures that belong to your property, but that are not connected to your primary residence. For example, a separate garage could be integrated under this coverage. There is normally a definite limit to this kind of coverage, but you can always increase that limit by buying additional coverage options.
Additional Living Expenses. If you are compelled to leave your home because of a loss, this coverage pays for your logical and necessary expenses to momentarily live away from home. Hotel and food expenses would be covered under such circumstances. There is generally a limit on this kind of coverage.
Personal Liability. Liability insurance guards you from having to pay damages to people, if you have been found liable for accidentally injuring them or damaging their property.
Voluntary Payments for Medical Expenses. This covers medical costs if someone unintentionally hurts themselves as a result of your personal activities or the way you have kept your building. It also covers injuries caused by resident employees.
Voluntary Payments for Damage to Property. The unintentional physical damage to the property of others is covered. It may also be caused by your pets or animals, or by actions of your resident employees. This kind of coverage would also comprise the intended acts of other insured persons under a certain age.
Improvements and betterments. Investing money to get your residence better increases the worth of your investment. The Improvements and Betterments Protection recompenses you for all the additional you have put into your condominium – on top of what the builder initially provided for you, up to the limit of your replacement value.
For example, your unit was initially furnished with a $5000 medium-grade carpet. You want to upgrade to a high quality carpet, valued at $10,000. The ‘Improvements and Betterments’ protection will guarantee that you obtain the full value of your new carpet in the event of a loss. So if there were a fire, and the builder only gave you $5000 to cover the value of the original carpet, the insurer would give you the remaining $5000.
Supplemental Coverage. Aside from insuring your betterments, you may also need to insure your condominium unit itself. This will ensure that you are sheltered should the corporation’s insurance not fully cover a loss to your unit.
Loss Assessment. A significant feature of a condominium insurance policy is loss assessment. This is when you share liability with others for common property. The insurer will shell out, up to a set limit, your portion of any particular assessment that’s valid under your condominium corporation’s governing rules:
You are likely finding out there are a lot of decisions to make and details to work out before you make a choice.
The home insurance agents recognize that a condominium is not a traditional home. However, it does need homeowners insurance of a particular type. In case you want to protect your condo, ensure to inquire about how condo insurance differs and what it covers.
Homeowners insurance agents who focus on condo insurance are an exceptional resource. In all reality, you are asking for tailored homeowners insurance quotes, when you ask for condo insurance quotes. So there is guarantee that you are receiving what you actually require in a policy.
All agencies or insurance types are shaped equal. Make sure that when you get condo insurance quotes, you follow up with the insurance agents who offered you with the quotes, so you are alert about all the details before you invest in a policy.
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.
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.
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?
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:
Company: American Home Warranty (AHS)
Reviewed by: Jon, Jacksonville, Florida
As you review the responses contained here remember there are people who have relatively good and bad experiences. No one here should be gripping like our friend from Bowie, MD. Reading your contract, if its like mine is very simple. Getting maintenance if required is a service call to your provider and will cost you no different than a complaint call.
The point here is the point of a contract is to work in good faith. Unfortunately AHS doesn’t work in good faith.
AHS does however work diligently to minimize their costs to increase their profit margin as an INSURANCE company. They are hedging their bet the more difficult it is for you to go through them for repairs the more likely you will be to get a needed repair fixed yourself and forego the hassle of using their CSR’s. This is how any INSURANCE company works.
It is clearly not the fault of a person to believe they have paid for a degree of service as a contract states only to find the fine print states otherwise. This is why we need more fair contract laws. This is not a liberal or conservative point. It is a point that a company needs to be regulated properly and AHS is on a fringe between regulatory agencies. How did our country get in its current financial condition? Poor regulation and advice like that from our friend in MD.
Please use your own best diligence in considering a home warranty (insurance) policy. There are few firms who will do what a homeowner wants, but fewer still who will actually provide quality repair/replacment other than what they can get away with (breaking state and local ordinances on workmanship and unskilled work crews.)
Don’t become a poor service statistic, do your own diligence, call your provider, call back when you get your service call, call the service representative in advance to confirm and describe your service need, call and remind your warranty provider of the service you get and confirm the repair meets your local ordinances (ask an inspector to verify it!).
IF you do these things you’ll at least get complete and sound service. It may be on their schedule, which may not meet your expectation and it may not provide you with the expected solution you want but it will be complete. Miss anyone of these steps and you could find yourself out of pocket for both your warranty fees and additional service fees
Whether you are shopping for a home warranty or already have one, you may be asking yourself how to tell which companies are legit and which ones are not. Here’s a quick tip from people who know this industry inside and out. Listen to your repair contractors!
If you want to know how the weather is going to turn out tomorrow you listen to a meteorologist, right? If you want to know the best place to get dinner this weekend then you probably turn to your favorite online source of local customer reviews. But home warranty? Who is the expert where those are concerned? Trust us. Nobody knows home warranty like the people who make the repairs! These are the people who are on the front lines, serving the home warranty companies’ customers. They know which companies are good, which ones are great, and which ones are someplace in between.
Why do repair contractors get the inside scoop on home warranty companies? That’s easy. They get paid by the home warranty companies. And the ones that are slow to pay or don’t pay at all are probably the ones you should avoid. If they don’t pay their repair contractors then how can you trust them to do what’s right by you, their customer?
So, how do you get the repair technicians to be your personal guides to the home warranty industry? That’s a little more of a challenge. But here’s an approach that might work for you.
Just like looking for a doctor who accepts your health insurance, look for a repair contractor who accepts your home warranty coverage.
If you’ve had health insurance then you already know what it’s like to search for a healthcare provider who accepts your insurance. This process typically involves flipping through page after page of physicians in your area who appear in your insurer’s provider catalog. Your home warranty company probably won’t have a catalog to give to you, but that shouldn’t slow you down. There are two ways to go about finding out who works with your home warranty company in the local area. One way is to call a repair technician who has a lot of good reviews and ask if the company works with your home warranty company. Another way is to call your home warranty company and ask for a list of their local contractors. The key here is to talk with repair technicians who have a good reputation. It doesn’t do you any good if you get praise for your home warranty company from a technician who isn’t any good at fixing things. In fact, that might actually be a bad sign!
Another way to find out what repair contractors think about a particular home warranty company is to read online reviews. Customers are not the only ones who take time out to share their experiences working with the top home warranty companies as well as the not-so-top ones. If you skim through reviews, chances are you will find a few written by the people who perform the repairs. If you see complaints about the company not paying its bills or asking the technician to do things that go against his professional ethics then consider that a red flag. If you find a pattern of such complaints then that’s a red flag you can’t afford to ignore.
Aside from the reviews being helpful for the information they contain about the quality of the companies, you may also find contact information for the repair contractors who wrote the reviews. Following up with contractors in your local area who write reviews can sometimes reveal even more detail about how the companies do business. Do they ask their contractors to fix things cheaply instead of fixing them correctly? Do they reject repairs outright, due to the cost alone? These are things you need to know.
Once you’ve contacted at least one reliable repair contractor who was willing and able to tell you what it’s like working with your home warranty company (or companies you are considering doing business with) then you’ve got some follow-up work ahead of you. Consider the following tips, even if you’re really happy with what the repair technician told you about his or her experiences with the company you asked about.
If the conversation with the repair technician didn’t go the way you’d hoped then you have to ask yourself whether it makes sense to do business with that home warranty company. Depending upon how bad the news was, you might want to get quotes from other home warranty companies immediately, rather than waiting to find out the hard way that the company doesn’t do what’s right for its customers or contractors.
When the repair technician has bad things to say about the home warranty company, it may be time to look for a new one.
Getting home warranty quotes is just one of many things you can do right here on HomeWarrantyReviews.com. We work with many of the top companies in the industry, so we can probably get you the details quote information you need within minutes, delivered to you by a knowledgeable representative of the company you’re interested in.
If the news you got wasn’t good, but you’re not convinced that one opinion is a good indication of the company’s dealings with its customers and contractors then you may want to follow with one or two calls to other repair contractors in that company’s network of service providers. One bad experience may be balanced out by a good one, or you might get a consensus from a few contractors that they’re usually happy working with the home warranty company.
When the news is good and comes from a reputable repair technician, you might want to find out if that technician can be the one the home warranty company sends when you request service.
If you had a good experience talking with the technician then you may want to find out if the home warranty company will allow you to choose your own technician when you request service. If that technician took the time to help you when you called to ask for his or her opinion about the home warranty company then you can probably count on that person being equally helpful and professional when something covered by your home service contract needs service.
Some home warranty companies allow their customers to choose a repair contractor rather than waiting for the company to dispatch one from their network of service providers. In those cases, it would save you time in the future if you already have contact information for a contractor who accepts your home service contract coverage. But keep in mind that there are a few situations in which having just one contractor selected ahead of time will not help you.
So if a home warranty company permits you to choose your own contractor you should probably get to know a few different local companies that work with the home warranty company. Depending on what your contract covers, you might need more than a few experts in various repair fields.
The best way of saying thank you to a repair contractor and to your home warranty company, when they take good care of you, is to write reviews by looking up the companies which have served you. You not only reward those companies for their good work, but you also help other customers, people just like you, make smart decisions about the companies they choose to work with. So please share a moment of your time when you have a good experience with your home warranty, and post a review here on HomeWarrantyReviews.com!
Do you possess a home warranty program? Chances are, if you are a new homeowner, you likely do. But after you have been in your home for a year, you are likely speculating if you should renew your home warranty or not. So many families get themselves in the same situation and expectantly this article will be able to offer you some help.
In all possibility, when you bought your home you obtained a home warranty covering a range of items in your home, i.e. roof, air conditioner, appliances, heating and plumbing systems, possibly your spa/pool etc. If you had a great Realtor he or she can get the seller to pay for the warranty. So here you are approaching date and questioning if you should renew it or not.
Firstly all you should ensure that you inspect your situation properly. This means that you must be careful not to purchase too much insurance or procure coverage for items that you don’t have. So many times, people buy coverage for things like home telephone wiring when they don’t even have a home phone or landline any longer.
For some people, they do not have sufficient money in their savings to pay for a major system repair like a HVAC system. That’s the same thing as a heating or cooling system. You also require making sure that you only purchase coverage for your heating and cooling system if you don’t need for your kitchen items and refrigerator covered as well. Or in case you are not bothered about the AC going out, you may only require coverage for your other major systems and appliances.
Majority of first time home buyers get to the end of that first year and feel like they want to take the chance on not having a system to be unsuccessful. And the reality is, many of them won’t. But for some people anything that can happen will happen if luck is involved. So for them making the choice to renew is a no brainer.
We all are familiar in these economic times coming up with $350 to $600 is a lot of money for most of us. If you certainly did not have to pay for the initial coverage, then there is a doubt that you paid much attention to the cost of your home warranty. No doubt, you had to pay the $50 – $55 service call if you had one and that likely felt like a fine deal, particularly if you had something major go wrong like your hot water heater going bad. Maybe you didn’t have any service calls at all and now you are faced with this renewal expense and there’s a good chance you’re saying “I don’t think so”.
For people who reside in older house, age is definitely a factor to consider. How old are your appliances, your AC and heat pump, the filter motor for your pool, hot water heater, your roof, garage door opener and some of many other things that a home warranty can cover.
You must also factor in the additional costs of the service calls; they have a means of adding up if you have 3 – 4 of them in a year. These certainly are costs over and above the cost of the warranty itself. Study the fine print of your policy before you renew to be sure the items that you may be worried about are really covered. Some of the items you desire to be covered are not in the standard policy but are considered “optional coverage and have supplementary fees. You may have more than one surprise and can be very disappointed if you find out the warranty did not cover “that specific” item.
The additional thing, as a homeowner, you must know that if you don’t have an existing home warranty you can always acquire one. These companies don’t just cater to the new home buyer of a resale home. You can procure a home warranty any time, but you recognize that there will be a 30 day waiting period for it to go into effect.
One way to deal with the query of your right to renew is to just ask the contractor you work with, whether it’s a real estate professional or a home warranty company. If the home warranty that is being offered to you for consideration does not permit you to renew without the company’s consent then you must compare that service contract to others which would allow you to renew freely. It is never a benefit to have a home warranty contract that does not guarantee your right to renew. Actually you risk a lapse in service coverage if you purchase a home warranty that does not guarantee you the permission to renew. Your next home warranty might not provide you instantaneous coverage after buying it, which would leave you with a period which any repairs required, would be 100% out of pocket.
It might appear like you are getting ahead of yourself by distressing about the renewal of contract you might not be interested in renewing. Although you just give yourself the choice of renewing you are better off than being refused or canceled renewal. Never let your policy lapse. You can continue renewing your policy for the period of time in which you own your home, except if you have had lapses in coverage.
According to press reports, ServiceOne, a home warranty company announces its new brand identity under a new name — OneGuard Home Warranties with expanded operations across Arizona and Texas. The company was first to market with coverage for all unknown pre-existing conditions.
Scott Smith, president and CEO said, “There’s been no buyout or merger and the way we do business will remain unchanged too.” He says the reason for the name change is to unify operations under a new digital brand. “There’s also another warranty company in Nebraska called ServiceOne that often appears in search engine results which causes confusion in the digital space for consumers. Changing the name has become a necessity.”
ServiceOne expanded its service in Texas which exhibits the milestone of the firm with double digit percentage of growth for the past few years. Smith says the name change from ServiceOne to OneGuard (oneguardhomewarranty.com) will allow the firm to better engage consumers via social media and at the same time giving their longtime customers what they have come to expect.
OneGuard has also introduced an updated logo with brand elements and a cutting-edge of interactive website. Jason Meyers, director of marketing and public relations said, “For many years, OneGuard had no digital footprint to speak of. We put a strategic marketing and PR plan together and hired local digital agency, Gate6, which for the second year in a row, ranked #1 in the Phoenix Business Journal’s list of web design firms.”
By collaborating with agency and internal teams, OneGuard implemented a theme-based creative approach to marketing and repackaged the brand for the 21st century.
Meyers created a new tagline, “Because stuff breaks” and says the new positioning will help OneGuard tap new consumer segments worried about costly appliance and air conditioning repairs. “People who bought homes when the economy was good are staying longer. They want to know that when systems break due to normal wear and tear, they’ll be covered. They also don’t want the hassle of wasting precious time. That’s what keeps us relevant.”
Moving forward, OneGuard will continue its long-standing tradition of service and education while offering exclusives such as re-key services, pool and sprinkler coverage, termite, pest control and more. “Our strategy will revolve around consumer outreach, but we also want to help repair the image of home warranties which is often misunderstood. Strengthening relationships with real estate professionals, contractors and community partners is also critical for our continued success,” Meyers said.
About OneGuard Home Warranties OneGuard is one of the fastest-growing, privately-owned home warranty companies in America and is the market leader in Arizona with additional offices throughout Texas. Founded in 1990 as ServiceOne, the company was first-to-market with coverage for all unknown pre-existing conditions and currently maintains the highest customer renewal rate in the home warranty industry. With a focus on service, OneGuard remains committed to building relationships with real estate professionals and contractors while improving the quality of life for homeowners across the Southwest.
Home warranty is a service contract that offers discounted repairs and replacements for your household appliances. If you have an appliance protection plan, and if one of your covered appliances breaks down, the home warranty company will repair it for you at a very nominal price.
In general, such plans are considered a wise purchase for those
If any of the above mentioned conditions are true, it will be a good idea to purchase an appliance protection plan. Folks who fall into any one of the categories stated above stand a high chance of encountering frequent damages leaving their pocket empty.
Several types of appliance protection plans are available in the market today. Most of them differ with the extent of coverage. Most of the first tier or basic plans cover only major systems and appliances in your home. This usually excludes outdoor appliances and systems and second sets of devices. Eg spa and pool units, sprinklers are common things excluded from coverage. Also second air conditioning unit, second cooler etc are also omitted. However, the best part about these plans are that their coverage can always be extended. Accordingly the annual premium you pay will be higher.
How Does the Plan Work?
If an appliance crashes while the warranty plan is still valid, all you have to do is to inform the company about the damage. Once you give them all the necessary details, they will call up a service vendor with whom they maintain business ties. The vendor then contacts you to fix an appointment and on the agreed time he arrives to take a look at your appliance. If the damage is minor, the technician will fix it right away.
However, major damages or part replacements may need approval from the home service contract company. Any parts that require replacement will be procured for you by the company.
Home Warranty plans are a great way to insure your household appliances if they are old or aging. However, people often tend to confuse this with homeowner’s insurance, which is quite a big mistake. Homeowner’s insurance can never be replaced with a home service contract or vice versa. Though they both offer protection for your appliances, their grounds for placing a claim are totally different.
May it be reminded again that the policy booklet and contracts are vital documents and should be studied and preserved carefully. If you have decided to go ahead with a home warranty, check out Top Home Warranty Companies listed on our site.
There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC). HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.
Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company. Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.
The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services. Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.
There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!
Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible. Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot. Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product. Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials. Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.
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
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
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 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.
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
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:
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.
Now, back to the story.
Mr. Fox had an appliance warranty, so he did not have to
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!
Planning to sell your home and hoping to get top dollar for it? You’ve come to the right place! Selling a home often requires as much thought and consideration as buying one, especially if you are trying to fetch a good price for it. Thankfully, these are a set of pointers you can go through to ensure that you get a good deal. So, sit back, read and get to know how a home can be sold for a great price!
Any transaction that involves real estate should be researched well. Selling a home for top dollar is no different. You could begin with finding out what the average market value is for homes in your neighborhood. You could also pick a real estate agent to help you with the sale of property. Real estate agents always stay updated about prices and know the vibe of the crowd.
If you do not want to appoint an agent, you can use the old-school method and gather information from friends and family. You should also do some research on the amenities available in the neighborhood as such matters affect the sales price of your house.
The Internet is also a very good place to begin your research. You can also make use of online portals to list your house. This will give better visibility and might help you get an idea about prices of houses in your neighborhood.
Many factors should be considered while pricing your house for sale. Apart from obvious factors like size, amenities, and age of the home, there are factors like facilities in the neighborhood, proximity to schools/hospitals/parks, connectivity, and history of the locality. Again, internet research will help you with this task and probably be worthy of your time for those top dollars of your home. There are online tools which give you an estimate of the sales price of your home after you provide details.
If you have listed your property on an online marketplace, be sure to keep checking in often. Events that happen in your neighborhood like crimes or accidents could adversely affect your listing. Staying updated is key here. Also, unless you fix the right price, a good deal can never happen.
If you have placed an ad for your property in print or online media, there is a good chance that many potential buyers will try to contact you to collect information. These folks are also going to negotiate with you to drop the price. While making a small reduction is fine, dropping the price by a large margin could get the buyer suspicious. He/she will begin to wonder if the house is truly worth top dollars if you drop the price without much fuss. The general trend among sellers is to price the house a little above the market value. That way, even if a buyer makes a request to reduce the price, the deal will still be good.
Like we said before, real estate agents are of huge help when it comes to negotiating. In fact, the entire negotiation can happen with the agent alone leaving you free of the task of having lengthy conversations with the buyer.
Everybody loves add-ons, more so when it comes to property. This is a step which is almost guaranteed to increase the selling price of your home. Research has found that a home warranty plan definitely increases the sales price of your house. These plans not only protect your budget, they will also relieve the seller from future disputes. If an appliance in your home fails, the new homeowner will simply contact the warranty provider and not the seller.
You can also put in more shelves or racks to increase storage. Most people are huge fans of ample storage and hence, it could compel people to buy your property. Replacing old appliances will also help sell your home faster.
Nobody wants a house that looks old and spooky. Peeling paint, squeaky doors – in general, anything that looks like the Amityville horror house will be seen as a huge turn-off. It could repel potential buyers. A fresh coat of paint is almost mandatory for the house before it goes on the market. You could also enhance the external appearance of the home by improving the garden (if you have one) or you can add some other landscape detailing. You could also renovate the bathrooms (if they are old) or the kitchen for faster sales. The money you spend on upgrading your home can be reaped back once you sell the property. Trust us, decorating your apartment creatively helps lure in buyers!
Unless you use the services of an agent, your home could be in the market for some time. Do not let that prompt you to drop the prices drastically. A good deal will definitely come by. In the meantime, read up on various home maintenance guides to give your home a thorough upkeep. You could also get a home inspection done as a home inspection report is something that potential buyers would want. That’s all! Hope you strike a very good deal!
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.
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.
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.
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 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.
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.
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.
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.
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:
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.
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.