Is Extended Home Warranty Necessary?

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.






In the fast-paced world, dishwashers have become a necessity in many households. Most of the modern families have dishwashers in their homes. People rely on dishwashers, as they can’t spare time from their hectic lifestyles. But often ignored, the value of a dishwasher is only realized when it stops working. No matter how old your dishwasher is, one year or five years, its cleaning efficiency reduces overtime. Therefore, to keep your dishwasher working like new, you need to take some measures to clean them. We have listed some easy tips to help you out, while keeping your dishwasher running like new.

dishwasher working like new

13 tips to keep your dishwasher working like new

1. Washing is different than scraping

Unless your machine has a special pre-wash cycle or other settings specifically designed to reduce food being left behind at the end of the wash cycle you will need to minimize the amount of food waste that you put into the dishwasher. Before you put your utensils in the dishwasher, rub the food bits off them. This may sound tiring, but scraping is extremely simple as well as essential. It minimizes the stuck food particles on your dishes. Moreover, it saves you from huge maintenance costs in the long run, while making your dishwasher work like new.

2. Do not overload

Do not try to wash too many items at the same time. It is better to wash a few dishes with hand, rather than running the entire load again. If you overload the dishwasher, then you could wind up washing the same load twice and your dishwasher may not be in good working order for very long.

3. Use hot water in the first cycle

Before starting the wash cycle turn on the tap nearest the dishwasher and run till the water is too hot to touch. This means that the first cleaning cycle will run with hot water, instead of cold water. This is an important tip, particularly for winters, because during winters the water takes more time to heat up.

4. Correct washing cycle

Use the proper dishwashing cycle. People tend to reduce the washing cycle, in order to reduce their electricity and water bills, and to save time. But short washing cycles lead to slimy residue on utensils. Additionally, you should wash your super dirty dishes by hand, just like you do your laundry. This will not disrupt the washing cycle, resulting in cleaner dishes.

5. Do not double up the rinse aid

When you go to buy a soap or detergent for your dishwasher, see if one of its ingredients is a rinse aid. If yes, then don’t buy an extra rinse aid. If not, then instead of buying a rinse aid, you can fill the reservoir with white vinegar. White vinegar is a perfect substitute for a rinse aid.

6. Run an empty cycle with vinegar

There are products specially formulated to clean your dishwasher, and you may prefer to use those. But you can just as easily run your empty machine using white vinegar once a month, more often if you see signs that the dishes are not coming out of the wash totally clean. It is the same concept like running a filled dishwasher with vinegar. Toss a cup of vinegar in your empty dishwasher and run the cycle twice. If you have a very dirty dishwasher, then you can also add some baking soda for the fizzing action. This will remove all the old food particles from the dishwasher, making it smell fresh and run like a new one.

7. Clean the dishwasher trap

Under the lower sprayer, there’s a tray, which can typically be removed. Take out that tray and wash it in your sink. Underneath the tray there is a space, which too needs cleaning. If you cannot remove the tray, then clean it with a piece of cloth or a towel. The tray as well as the space consists of trapped food particles. Cleaning both of them will make your dishwasher work more efficiently.

8. Clean the seals and arms

After some time of use, the dishwasher accumulates dirt in its seals and arms, including the rubber gasket of the door and the soap dispenser. Apart from this, there are other small spaces in your dishwasher that collect food and grime and get clogged over time. Make sure that you properly clean and scrub your dishwasher once in awhile, in order to keep it working like new.

9. Set the appropriate temperature of the water heater

Ensure that you set the appropriate temperature of your dishwasher heater, which should be between 120 to 125 degrees. This is the ideal temperature of the water heater for washing your utensils. If the temperature is less than 120 degrees, then the dishes would not be cleaned properly. And if the temperature is higher than 125 degrees, then the water will flash dry without rolling your dishes, in turn leaving your dishes dirty.

10. Test your water

The type of water you use in your dishwasher is an important part of the washing cycle. Hard water will be hard on the utensils as well as the dishwasher, leaving the dishes grimy. Make sure that that the water you use is soft.

11. Use the unused buttons

Dishwashers usually have a lot of buttons and settings that people hardly use. Due to this, people tend to set a particular setting to their dishwasher and then forget about it. In order to keep your dishwasher working like new, you should change its settings from time to time. Use all the settings of the dishwasher, so that none of the working parts become jammed due to disuse.

12. Check your dishwasher connections

You should regularly check all the connections and hoses of your dishwasher. See for dry rot or weak spots and fix them beforehand. This will avoid leakage and flooding in your dining room or kitchen, thus saving you from any untoward accident in the future.

13. Even out

Put a level under your dishwasher. Like washing machines and driers, dishwashers also need a level to work optimally. See that the level of your dishwasher is properly placed. Regularly check the level, as it changes with time.

Now that you have all of these helpful tips it’s time to put them to use! Employ these easy to follow suggestions, and see how well your dishwasher works. These simple DIY tips might also save you money as you run fewer loads of dishes and reduce future maintenances costs.




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.

Home Protection Plans

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.

  • Your appliances are over 4 years
  • You don’t have a trusted service vendor
  • You don’t have time for DIY repairs
  • You are a first time homeowner
  • You can’t afford frequent repairs and replacements

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.

This is how a home warranty works

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:

  • Discounted repairs and replacements of household appliances
  • Qualified and experienced technicians at your doorstep
  • Protection of your budget against expensive repairs
  • Peace of mind
  • Covers all major appliances and systems.
  • Additional coverage can always be purchased
  • Affordable
  • Covers damages resulting from wear and tear

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.

  • Not free of cost. In addition to the annual premium that ranges anywhere between $250 to $1000, you will have to pay a service call fee each time you raise an issue. The amount is typically nominal, around $50
  • Home warranty companies will almost always try to repair and not replace the damaged gadget.
  • Some may feel that there is no flexibility. You usually cannot select a service vendor of your choice and sometimes conflicts may arise on the diagnosis provided by the vendor.
  • Claims can be denied on vague grounds or by stating fine print from the contract.
  • Pre-existing conditions quite often are not covered

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.

  • Your appliances are fairly new and are still covered by the manufacturer’s warranty.
  • You have a trusted repair vendor.
  • You have time and skill for DIY repairs
  • You have money for frequent repairs

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!

The bottom-line

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!




Consider this: it’s a lazy Sunday and you haven’t worked out all week, your stress levels are high. And the doctor says you need to get going and get some physical exercise into your daily routine. You have considered your options – hitting the gym, joining that community swimming pool, going for those morning runs that everyone’s been vouching for – but it hasn’t worked out yet and nothing seems to click. Here’s your answer: start gardening.

Health benefits and peace of mind from Gardening and home warranty

A chance to not only get some quality time with nature but calm your nerves, work your muscles and burn a few calories as well? Gardening just an hour a day is proven to have far reaching impacts on your life. Especially if your day comprises of concrete jungles, desk jobs and skyrocketing stress levels.

Gardening boosts your metabolism and we have studies to prove it!

Research conducted by the Pennsylvania University of Scranton a decade ago showed clear results in favor of gardening as a way to stay fit. This proves that extended amounts of time spent partaking in light physical exertion is a much more effective way of burning calories than bouts of cardio and gym sessions.     

Another study conducted in Michigan State showed that even a mere ten percent increase in greenery in the immediate environment of an individual resulted in a drastic drop of health issues – from lifestyle illnesses to even depression and mental health. 

Getting Your Hands Dirty

The key to a good workout is duration, not just intensity.

It’s not just about burning calories and toning muscles – a consistent routine of balanced physical activity can have an impact on heart functioning, blood pressure, stroke, diabetes, obesity and its side effects, and even premature death. How does this work? Gardening ranges from low to medium intensity, but the constant monitoring of the garden and the level of involvement is never limited to just a single workout cycle; automatically weaving it into your daily routine and making it a habit!

Squats, weights, cardio and sweating it out, all in one.

With the majority of our daily activities involving the maximum use of our arms – and even that not usually in ways good for our bodies – gardening can incorporate the metered use of muscles like hamstrings without adding undue stress to them. Countering the effects that hours of typing on a keyboard or driving a car can have on your back, shoulder, and neck, getting down on all fours and getting your hands dirty can be therapeutic and stretch every muscle in your body all at once.  

Organic vegetables, herbs, and seasoning, all right at home.

Another perk to introducing gardening into your lifestyle is eating what you grow. Directly linked to better diets, organic production of food right at home or within a community can encourage you to follow a diet with nutrition as a priority and simultaneously assure the quality of produce.

Having a hard time getting your children to eat their spinach and peas? Give gardening a shot, working it into their play time as a fun way to grow their own lunches and dinners – who wouldn’t want to proudly eat a tomato picked right from their own backyard!

Anybody can do it!

Ranging from organic farming in the backyard of your country home to just a few potted herbs on the kitchen windowsill, depending on your space constraints, the time you have to spare and your physical capabilities, you can choose the kind of gardening that suits you best.

One for all and all for one

Living in an apartment building which doesn’t allow you space to garden? Community plots are the answer to the space crunch any urban dweller faces today. A great way to catch up with neighbors and blow off steam, all while tilling, weeding and celebrating the earth, community plots give you a chance to delegate and divide responsibilities as well – saving you the worry of who will tend to your precious daisies, trim the hydrangeas and ward off pests from the squash and melons while you’re out on a business trip.

Sky high stress levels and an increase in lifestyles illness in the past couple of decades is evidence enough for the need to go back to our instincts of nature and nurture, and the benefits of gardening seep into areas besides immediate physical well-being.

Nature, nurture, and responsibility.

An equalizer not bound by any hierarchy, gardening is often used as a form of therapy to boost self-esteem as well as inculcate responsibility and appreciation. Giving our nurture gene a space to grow, just the act of giving back can have a tremendous impact on our stress levels and anxiety. Time spent watching each seed sprout and saplings flourish and flower, gardening is a gentle reminder that we humans are not the center of the universe.

Happy hormones!

What is good for the body is also good for the mind.  Exercise, whatever the intensity may be, has a direct impact on not only adrenaline levels but on levels of serotonin and dopamine as well. Both hormones that play a role in fighting depression, the time spent tending to each root and bud isn’t just uplifting in spirit, it literally translates into happy hormones.

Home Warranty For Gardening Buffs

Be it an apartment, a duplex with a yard all to yourself, community plots or a country house, the joy of having a garden can come with an added expense and hassle of maintaining tools and machinery, worrying about seepage and waterproofing and even the occasional crack or two when it comes to deep-rooted plants and creepers.

Don’t let the stress of maintenance come in the way of your quality time with your garden – let the happy hormones flow and pass on the responsibility of care for the home to home warranty companies.

Giving you a chance to delegate home and domestic appliance maintenance to a professional, home warranty saves you the effort of having to rummage through websites and newspaper advertisements for service agents and repair contractors. Providing full coverage of repair, servicing and replacements costs, Home warranty is all about planning ahead. HomeWarrantyReviews.com brings to you a comprehensive list of companies to choose from – giving you access to pros and cons, detailed reviews, do’s and don’ts when it comes to warranty and insurance and even a free Home Maintenance Calculator to get on the spot estimates.

Finding the right match for your Home Warranty needs is of utmost importance; just like every insurance coverage plan is tailor-made for different budgets, levels of involvement, age and usage intensity, Home Warranty has its own set of criteria. Research is key, and the best place to start with is the Awards and Reviews section of consumer research based sites. From categorized awards ranging from service, top rated and regional service, HomeWarrantyReviews.com uses consumer review rates of credibility, retention, satisfaction, online presence, and consumer issue resolution to judge companies that provide nationwide Home Warranty coverage, offering all-round information to customers. What’s more, the companies are divided according to a region as well, accounting for state law differences and tweaks in the coverage plans in various geographical pockets.

Stress, anxiety and an ever-growing list of errands are a part of everyone’s daily routines, why add home repairs and maintenance to the mix? Give yourself the peace of mind to tend to your herbs, flowers, and ferns without the worry of repercussions, after all, what is the point of canceling out the mental health perks of gardening by worrying about broken lawn mowers?!




No one needs to be reminded about the importance of insurance. It tends to be on people’s minds a lot these days. Insurance is basically a contract that agrees to offer financial protection or reimbursement of losses. It can be the best way to prepare yourself for large expenses that occur due to accidents or other unforeseeable events. All you have to do in pay a small amount as premium so that you can avoid paying major sums to rectify whatever your “money-draining” eventuality is. However what people really need to be briefed about is, are the kinds of insurance policies you have these days (Did you know? Football players can even insure their LEGS?) and which ones are the “must-have” ones.

five must have insurances

Life Insurance

What this does is quite simple. It insures your life for a certain amount of money, which shall be passed onto a person of your choice whom you shall nominate as your beneficiary. This way you can ensure that your family does to have to suffer due to your unfortunate death or any such unlikely event.

Benefits:

  • Risk cover: As mentioned, life insurances sees to that your family will be supported financially following your departure.
  • Investment: Life insurance is also a long term investment. Although most people sign up for this so that their family is taken care of following their death , it is not the only benefit it offers. If (Praise God ) you are still alive Post maturity period, you can reap a lot of benefits.
  • Income through annuities: This is also considered as retirement planning. Money that you earn in your lifetime, if put into life insurance periodically, can give you a steady income through your retired phase.
  • Tax benefits: Various benefits can be availed at the entry and exit time for most plans.

Health Insurance

This is the kind of insurance that pays for medical emergencies and other health related expenses. These policies either reimburse the money incurred during payment or pay the treatment facility directly.

Benefits:

  • Protection against rising health concerns: Health insurance policies offer protection against critical diseases and medication charges.
  • Regular health check-ups: Most of us would like to get a check-up done annually or bi-annually, but are often held back by the thought of the money spent on it. Health insurance erases that worry. You can avail regular check-ups at minimal costs and hence stay healthy.
  • Worry free life: They say no amount of money can buy you peace of mind, but we say that if you pay a small amount as premium, you can indeed get the closest thing to a worry-free life. You can always be assured that your insurance policy will cover any unforeseen medical expenses .

Automobile Insurance

Automobile insurance covers your vehicles against damages and (God forbid) theft. If your foresee that in the near future your teenaged offspring decides to take your car for a ride and later bring it back in tatters, you must definitely have this one.

Benefits:

  • Reimbursements/Financial protection: In the face of unfortunate accidents even minor ones where nobody is unharmed, the vehicle often needs much repair and sometimes you may also need to pay for somebody else’s repairs, automobile insurance can be handy.
  • Protection against theft: If your vehicle is stolen, you can file for a claim provided the terms and other conditions are met. However reclaiming the entire amount may not happen.

Home Insurance

Protection for your home and other objects of value inside it are covered by this insurance. It can be availed only in the cases where natural calamities like fires, floods etc. This does not cover expense of the appliances damaged during a calamity.

Benefits:

  • Safety against nature’s wrath: As mentioned, if any natural calamity renders your residential property damaged, you can be rest assured that your insurance will see to that no hole is burned in your pocket during the process of repairing your property.
  • Legal issues & third party damages: Home insurance takes care of any legal conflicts and third party damages and hence leaves your head free to worry about other things.

Home Warranty

Home warranty plan is different from home insurance plan. These plans cover repairs and replacement of major appliances inside your home. This kind of appliance protection plan is a must have if you live in areas where power supply is erratic or if you have an in-house Dexter whose experiments often burn up your household appliances.

It is also highly suited for folks who are having ageing appliances and wish to get peace of mind by avoiding unnecessary expenses.

Benefits:

  • Replacement of damaged item: Most often appliances are damaged beyond repair, in such cases you can get a replacement. This option is not offered by all firms.
  • Value addition to your property: Any item you insure has an added benefit to it. Hence when you may want to sell it at some point in the future, Home Warranty may prove to be useful.
  • Protection for ageing appliances: After a certain amount of time, efficiency of any appliance will become poor. Such appliances stand a higher chance of breaking down and having a home warranty ensures that your damaged device will either be repaired or replaced.
  • Peace of mind: That is something that money can rarely buy. But a home warranty does give a homeowner peace that comes with the assurance that their budget will be protected against unexpected appliance/ system repairs.

Offer documents are often subject to Market risks. Make sure that you read the papers carefully before you sign up for anything. Thank you.




Nobody likes a cluttered kitchen because there is nothing more unappealing than it. Given how busy everyone gets these days, it is not a surprise that we found ourselves writing this article because, trust us, people are actually looking up ways to declutter their kitchens in the shortest time span possible.

We did some research and we found out that a cluttered kitchen is not only unappealing, it is also unhygienic. God knows how many germs that ignored, uncleaned corner of your kitchen is harboring.

Before you begin, try to harden yourself so that you don’t feel guilty about the things you are going to discard. Or the money (and time) you may have to spend so that future clutter is avoided.

So, let’s begin!

Cut Kitchen Clutter

 

Step 1 – Efficient use of storage space

Not all kitchens are loaded with cabinets and storage spaces, so make the best use of what you have. If you do not have much, make it a point to reduce the number of things you have in your kitchen.

Efficient use does not mean cram everything into the space that you have such that you’ll need to move a hundred things before you get your hands on what you need. Neatly arrange everything category wise in your cabinets. Keep the perishable and non-perishable items separate. You may also want to invest in racks or brackets that can be mounted on the walls, if you don’t have enough storage space. They are much cheaper than installing more cabinets or drawers.

Step 2 – Proper disposal of waste and unwanted materials

Sometimes, one disposal bin may not be enough for a home that houses a family of 2+. Ideally, have two large bins, one for organic waste and one for everything else. Scan your kitchen and chuck everything that is unnecessary or starting to rot. That applies to expired packed goods too. Dispose old cleaning sponges and washcloths if they look dirty.

Also, try to keep your garbage bins away from the stove/part of the kitchen where you cook or store food.

Step 3 – Shopping smart and avoiding unnecessary purchases

Half the clutter in your kitchen is probably from bulk deals you jumped up at and never paid attention to later. Even if something is on an unbelievably awesome sale, don’t buy it unless you are 100% sure that you cannot avoid buying it.

If you are a victim of bulk purchasing syndrome, you may want to scan your kitchen once again and chuck out some things. Trust us, the amount of space you’ll end up freeing is enormous!

Step  4 – Cleaning the kitchen before and after each cooking session

Setting aside the task of cleaning will only make you dread it more and increase your chances of putting that task away further. Make it a point to clean your kitchen or arrange your counters before you begin cooking. Once you are done preparing a meal, there is a good chance that everything will become messy or unclean. So repeat the cleaning routine unless your kitchen is spotless.

This step alone can help you save a lot of time clearing accumulated clutter in the future.

Step 5 – Assign a place for everything

If you are the kind of person who crams everything into the first available spot, you’ll end up with a very chaotic, disorganized kitchen over time. If your kitchen is already like that, you may want to take everything out and rearrange them back into shelves.

Assign places for everything. Spices together, containers and vessels together, and so on. You may also want to label everything so that it will be easier to find them as and when the need arises.

Do Not Skip De-cluttering

If you found the process tedious, you may be wondering if you could put it away for some other time. We strongly discourage this. The earlier you get it over with, the better you will feel. It may seem difficult at first but if you put on some music and get yourself to start the task, you’ll find that it’s not that hard.

Once you are done, spray some lemon juice or your favorite essential oil to make your kitchen smell heavenly. We recommend that you avoid room fresheners and chemical fragrances as kitchen is a bad place for them.

If you are a lazy homeowner and if your home is more than four years old, you may want to consider getting a Home Warranty plan to protect your appliances and budget.  While you are at it, we would also recommend that you go through some awesome home maintenance write-ups for some added info. Thanks for reading!




Your home is the center of your everyday life and possibly your most valued asset. When your home is destroyed or damaged, you want your claim sorted out by an insurance company that realizes this simple fact. A right homeowners’ insurance company best meets your needs and provides you with the most valuable blend of quality service, custom-made coverage, and fair pricing in policies.

Am I Required To Have Home Insurance If I Own A Home?

Depending on where you live – an apartment, house, or condominium – the right home insurance plan can give you peace of mind along with the money you need to replace or repair your home and/or stuff. Home insurance policies vary by the type of coverage you choose, the losses covered and the type of residence you own. You pick a policy that is best for you, whether it’s an all-inclusive policy that covers losses such as smoke, fire, falling objects, and theft of personal property, or whether it’s a policy that covers specified losses.

New age policies for American Homeowner

Your home insurance plan is made up of the precise options you select. The amount you pay for your policy depends on what coverage you buy, how much you want to cover, and where you set your limits. There are many types of homeowners policies available when once you decide to be a homeowner or not. The most significant part of homeowners insurance is the level of coverage. Avoid paying for more than you require. Below are the most common levels of coverage.

  •  HO-1 & HO-2 – Broad policy that guards against 16 perils that are stated in the policy
  •  HO-3 – Covers the structure against all perils except those specifically excluded by the policy
  •  HO-4 – If you rent or lease your home, you need a renters policy to cover your personal property and liability
  • HO-5 – Premium policy that guards newer, well-maintained homes; it covers against all perils except those specifically excluded by the policy
  •  HO-6 – Insurance for co-ops/condominiums, which includes liability coverage, personal property coverage, and coverage of improvements to the owner’s unit
  • HO-7 – Similar to an HO-3 policy, but for mobile homes
  •  HO-8 – Policy particularly for older homes, with similar coverage to an HO-2 policy. However, it only covers actual cash value. In Florida, many insurers are offering this policy

Comprehending Your Policy

As insurance policies come in many shapes and sizes, the same is true for insurance companies and agents, who can charge different rates for the same coverage. Bigger insurers are not always better and small don’t essentially have the best customer service. So, it’s always good to shop around for the top deals and ask the precise questions in an attempt to know what you are really receiving.

Prior to signing on the dotted line, you should understand that not all homeowners policies are the same. This is always one of the most common misinterpretations about insurance. According to a survey, more than a third of the homeowners said they did not have or didn’t identify if they had adequate homeowners insurance coverage. In 2005, after Hurricane Katrina affected the city of New Orleans, and again in 2012, when Superstorm Sandy damaged numerous communities in New York and New Jersey, thousands of worried survivors got a rude shock when they found their standard homeowners’ policies did not cover flood damage.

Additional Insurance And Endorsements

Many catastrophic events are not covered in the basic homeowner’s policy, but they are still insurable and require additional levels of insurance. In some cases, homeowners need entirely different policies, which are usually several times costlier than the typical homeowners’ premium. Some homes are situated in high-risk areas such as flood, hurricanes and earthquake zones, which make buying additional insurance a top priority for these homeowners. Instead of the usual $250 to $1,000 deductible under basic coverage, you have to shell out 1 to 5% of your home’s insured value (up to 10% in Florida).

Hurricane season is an old threat for many residents living along the southeastern coast of the U.S. Hurricane Matthew, which made arrival on Oct 8, 2016, left an expected $6 billion worth of property loss in its devastation across states such as Florida, South Carolina, North Carolina, Georgia, and Virginia. If you live in a region that is prone to hurricanes, you must have certain emergency plans in place. Homeowners in hurricane-prone areas need to act fast to file damage claims with their insurance firms. For instance, if your home is insured for $200,000 and your plan has a 3% deductible for hurricanes, you will have to expend $6,000 out-of-pocket on a storm-related claim.

Some Popular Endorsements And Extra Policies Include:

  •  Guaranteed Replacement Cost Coverage – A policy that pays to reconstruct your home completely, even if the cost is above your policy limits. You can expect to pay $400 to $1,000 more in premiums each year for this endorsement
  • Inflation Guard – A policy that automatically raises your dwelling coverage limit yearly in proportion to inflation, so that your limits are at least 80% of its value. Incremental premium increases in relation to the limit are often charged when the policy is renewed
  • Personal Umbrella Liability Insurance – A policy that broadly covers assets. It increases your liability coverage above the limits available in any of your “basic” policies, comprising auto, boat, and homeowners insurance. Umbrella coverage can extend to other excluded coverages, such as the invasion of privacy, false arrest, and slander, which can kick in once your primary coverage is exhausted. Premiums for this coverage begin at around $150 to $300 per year for $1 million in coverage, an additional $75 for $2 million, and $50 extra per year for each additional $1 million in coverage
  • Scheduled Personal Property – A policy that covers high-value objects such as stamps, jewelry, coins, antiques, guns, computers, furs, and other items that could go beyond the limits of your homeowner’s policy

Creating Your Home Inventory

When you buy a homeowners insurance policy, one of the must have insurance policies, you must prepare the latest home inventory to speed up a claim settlement if you ever need to make one. A complete home inventory, help your insurance company verify the property easier, which in turn makes settling your claim easy. Additionally, you can validate losses for your income tax return with the latest home inventory without any hassles.

For many homeowners, insurance is something to be thought of again, i.e., until the worst occurs. Homeowners who wait until they experience a loss before assessing their own policies do not get the full value – may be little value – out of their incalculable premium payments.

Homeowners insurance is a monetary agreement, but it should also be treated as a living entity to be cherished over time. By reading your policy wisely, shopping around for the suitable agent, comprehending your coverage limits, and create an updated property inventory.




Claim denial is an incident in which a home warranty company rejects a customer’s request for repair service. Sometimes customer claims are legit and fully entitled to receive services stated as per the contract. Claim denials are considered to be a major reason behind spats between service contract companies and the customer.

While some claims are denied for genuine reasons, some customers argue that companies deny claims on vague grounds often stating fine print from the contract. Yet, there are also cases where the companies were falsely accused of unfair claim denial solely because the customer failed to understand the terms mentioned in the home service contract.

What we need to understand is that not all companies deny claims unfairly because doing so will severely damage their reputation. So unless there is a valid reason, reputable companies will not deny a customer’s claims randomly.

Let’s take a look at some common reasons for claim denials

1. Appliance is not covered

This is often the most common reason for denying a claim. Most service contracts only cover a fixed set of appliances and not everything in your house. If your home service contract provider gives you this reason, go check your contract and make sure that the appliance is indeed not covered. In case you find that it is a covered item, place further calls to the company and let them know that the as per the contract, the item is covered.

Home Warranty Claim Denials2. Appliance is not maintained properly

No home service contract covers an appliance that has become damaged due to lack of maintenance. Regular wear and tear is not caused due to insufficient maintenance. It is the result of prolonged, proper usage. It is the homeowner’s duty to carry out regular maintenance routines, especially for HVAC appliances. However, if you believe that the damage is not caused due to insufficient maintenance, tell the company that you need to get a second opinion from a different contractor.

3. The damage is pre-existing

Home service contract providers often tell the customer that the damage was one that existed even before the contract was signed and hence it will not be covered. There’s hardly anything you can do about such a denial. However, you can avoid chances for such disputes by making sure that you get a home inspection done prior to signing the contract. That way the home inspector’s report will clearly state about what appliance has what damage. If it is not in the report and if the item is covered, you may be entitled to a repair service.

4. Unusual wear and tear

Wear and tear due to regular usage and wear and tear due to rough handling and careless usage can be distinguished quite easily. If the damage was caused due to the latter kind of wear and tear, your claim stands a chance to be denied. In this scenario too, you can ask for a another contractor to get a second opinion if you disagree on the diagnosis.

5. Code Violations and improper installation

If the appliance was not properly installed and if it violates the codes laid down for safe use and installation, chances are high that your claim may be denied.

What should a customer do when claims are denied?

It goes without saying that the policy booklet, the contract and the inspection report, if any, must be preserved carefully. The moment you realise that your claim has been denied, go through your contract and policy document to make sure that the claim is denied purely based on the terms in the contract. If you have a home inspection report go through that too. If you feel that your claim has been unjustly denied, you can call the home service contract company again and press the issue.

You can also visit review websites and post a review about your experience. HomeWarrantyReviews.com has a feature called the Complaint Resolution Program (CRP) which is a platform for companies and their customers to resolve their issues. The customer merely needs to report his negative experience with HomeWarrantyReviews.com, following this, he will be asked if wants to take part is CRP. If he/she chooses to participate in it, the company will be notified about his/her grievance and will be given 30 days to respond/ sort it out. If the company fails to respond or resolve the issue, the customer’s negative review becomes public. Some review websites allows their users to resolve the issues with the contract provider by communicating with them through a specific platform. The advantage of this system is that if the home service provider fails to resolve the issue for the customer or fail to respond within a time frame, the review becomes public, thereby affecting the rating and reputation of the company. Most companies do not want that.

Whatever the reason could be, we request customers to make things clear before they react to a claim denial. It could be that the company is not at fault here and because of a misunderstanding, their name gets tarnished. Most of the unpleasant scenarios can be avoided if the company you pick is reputable. Hence we cannot stress enough on the importance of picking the right company, a good home service contract provider will always put the interests of the customer first. Remember, good communication is often the solution to the biggest of problems.




HomeWarrantyReviews.com provides readers with a free resource unlike any other online.  Our reviews and articles about home warranty companies are unbiased, unlike other websites you might visit these days.  We do not give preferential treatment in our ratings, reviews, or articles to companies based on what the companies pay us in marketing fees.  Due to that objectivity, readers like you can count on what appears here to be fair and in most cases free of editorial content.  

In this series of articles, we let members of the home warranty industry talk about their companies.  Please keep in mind that these interviews are not endorsements of companies.  They’re meant to be a forum in which readers can get to know the companies direct from the source.

Select Home Warranty

 

In this piece, we’ll share a conversation with a New Jersey based home warranty company, Select Home Warranty. Recently Home Warranty Reviews talked with Joseph Shrem, a manager at Select Home Warranty about their home warranty offering.

What is it about Select Home Warranty’s offering to homeowners that makes it so valuable?

Your home is most likely the biggest purchase you make in your lifetime. At Select Home Warranty we understand this and our job is to protect this investment.

With service costs rising and newer appliances having more sophisticated electronic parts and not built to last as long as they did decades ago, home warranties are viewed more as insurance, giving homeowners the peace of mind of knowing their costs are controlled and not having to go without a working appliance or dipping into savings to take care of an unexpected breakdown.

What sorts of items are covered in Select Home Warranty’s home warranty plans?

Coverage Details

Select Home Warranty offers coverage on a wide variety of services nationwide such as air conditioning, heating, plumbing, electrical, and appliance repairs. We also offer flexible programs to custom-tailor the amount and type of coverage to meet our customer’s specific needs. Homeowners can also obtain coverage for their pool equipment, septic systems, lawn equipment, sump pumps and more!

Home warranty customers are obviously looking for cost savings when things around their homes break down.  But do you find your customers are also looking for convenience?

Along with financial security, comes the peace of mind of knowing that the hassle of dealing with a break-down is taken care of as well. Select Home Warranty has a large network of independent service technicians who are on standby, ready to help you with your home. Our technicians are well trained to assist you with any type of issue you may have. We are partnered with top of the line contractors around the country.  We don’t want our customers to scramble to get a service appointment or find the right contractor. As the provider, we also want to make sure the job is done quickly and correctly.

Automation is the buzzword in almost any industry these days.  Do you feel like automated customer service is the right approach?

Select Home Warranty’s top priority is servicing our customers. With around-the-clock professional staff, we strive to make ourselves available to answer questions, whether it’s regarding coverage or a claim.  

If you represent a home warranty company and would like to see your company featured in a future interview on HomeWarrantyReviews.com, please let us know!

If you are a reader with questions about this home warranty company or other home warranty companies, please visit our top home warranty companies page or our home page, where you can search for any company by name.

Select Home Warranty was founded in 2012 and is headquartered in Mahwah, New Jersey.  The company markets its service contracts to current owners, sellers, buyers, and real estate professionals who regularly assist their clients with decisions about home warranties.  Select Home Warranty provides a number of web services on their corporate site, including information for contractors who wish to join the company’s network of service professionals.  Existing customers can also submit claims online via a brief form on Select Home Warranty’s website.  Readers who are interested in obtaining a price and coverage quote from Select Home Warranty may do so here on HomeWarrantyReviews.com, via the company’s website, or by phone.




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

Contractor looking for job

Why Work With A Home Warranty Company?

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

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

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

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

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

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

How To Work With A Home Warranty Company?

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

Some of these leading Home Warranty Companies include,

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

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

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


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

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

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

What To Remember Before Becoming A Service Contractor?

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

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

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

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

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

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

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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.




Here is a list of most read articles about home warranty on our site. Enjoy your reading and provide us your feedback!

Articles

Home Appliance Warranty Plans – What is appliance protection plan and how does it help homeowners

Extended Home Appliance Warranty – Things you should consider before buying an extended appliance warranty policy.

FAQs on home warranty plans – This section covers most frequently asked questions about the protection plan

Five Types of Appliance Protection Plans – Covers various kinds of warranties such as appliance warranty, manufacturers warranty, extended warranty, sellers warranty, home service contract etc.

How to choose a home appliance warranty plan – This article explains how to choose a home  warranty plan and the service provider company.

Is home warranty necessary for buyers and sellers – Explains if home warranty is needed for sellers as well as buyers.

Average appliance repair costs – Provides a list of average appliance repair occurance percentages to help you decide whether you need to participate in a home warranty program.

Home warranty quotes – Home warranty quotes, coupons and deals

Is home warranty really an insurance? – Not necessarily. This articles explains why you cannot bank on home warranty for all your repair and replacement needs.

Home maintenance Tips – How to take better care of your sweet home

How to pursue insurance claims – How to pursue a claim when the service provider company is acting tough on your claim.

An Open Letter to Home Warranty Industry – An open letter written by someone who worked in the home warranty industry for a long time. Author provides an insightful view of the industry. The views and opinions expressed are author’s own.




This is a guest post by Arthur J. Chartrand, Counsel, and Administrator for the National Home Service Contract Association (NHSCA)


As homeowners, you have to live under a rock these days not to have certain lifetime or lifestyle plans in place.  In today’s world, there are many versions of service and warranty plans for life, health, your personal goods and your home. Without them, most would say you are way behind and perhaps even in danger, both financially and physically.

Homeowners Should Have A Home Warranty To Cover Unexpected Costs To Maintain Your Appliances

How Can A Home Warranty (Service) Contract Help You?

If you are a homeowner and have experienced the syndrome of costly repairs to any of your home appliances, you would be wise to consider the benefits versus costs of a home warranty contract. Due to the many economic challenges faced by families, many are remaining in their homes for a longer period of time.  This results in aging appliances and the potential for costly repairs. A home warranty (service contract) with a quality member of the National Home Service Contract Association is the solution for homeowners.

Before we delve further into the benefits of a home warranty contract, consider how you, the homeowner, currently utilize other products to protect yourself, your lifestyle and your family.

Cases In Point For Homeowners:

Personal Health Plan: This would include exercise and proper diet. Always a complex plan that is hard to apply, yet unwise to ignore.

Health Insurance Plan: Without question, a pressing need for everyone. Health insurance is the main way we handle and budget the care or protection against catastrophe and is increasingly difficult to afford.

Life Insurance Plan:  Often hard to appreciate, hard to buy, and hard to afford. And this is the real fun part, you have to die and others get the benefits.

Long Term Care Plan: Few plan for it effectively and it is very expensive.

Homeowners Insurance and Automobile Insurance Plan:  These plans are usually either required by lenders or law. With that being said, no one enjoys using them.  While critical, you may never actually need or use them in your lifetime.

Maybe you have a lawn care plan, automobile maintenance plan, pest control program or a home cleaning service? These are nice luxuries for those who can afford it. But what plan is in place for the biggest investment you own that will provide assurance and peace of mind? And, is something you can enjoy now and is affordable?

As a child, I spent countless hours with my Dad learning how to put a fan blower motor on a furnace. I learned what a “heat and limit switch” looked like, what it did and even how to replace one. Dad and I even put a water valve in our old dishwasher once.  Here is the reality. I never taught my son to do these things. My daughter was no more interested than my sisters were in such mundane household mechanics. In today’s world, furnaces and most other major household systems are just too complex to service or repair for even the advanced homeowner.  If a dishwasher breaks, economics often say replacing is a better option.  And let’s be clear, if you need a new gas water heater, don’t even think about letting your son in law give it a try. With all the technology and environmental requirements associated with these appliances, it is far too dangerous for anyone but a professional.

Today, families work long hours and spouses often travel frequently and are not around to work on air conditioner compressors that go bad, or septic tanks that back up into the master bedroom. The reality is most individuals wait until something breaks to call for assistance with many household systems and appliances from glass range tops to water softeners. Back in the day, even when my wonder Dad gave up, we had a family plumber. We also had a family electrician. When a swift kick did not work on the refrigerator or TV (believe it or not these were actual and often effective remedies that often worked in the pre-1980 world), Dad just called my uncle or the guy next door. If old Uncle Hubert does volunteer, remind him that duct tape and bailing wire aren’t very effective these days on your computer chip controlled thermostat.

Today, very few individuals have a trusted family plumber or electrician. Dealing with a broken valve, a cracked heat exchanger, a blown compressor, a leaking gas water heater or a jammed up shower valve is pretty much beyond the skill of today’s homeowner. Homeowners are forced to ask neighbors, post a plea on Facebook or pay some Internet site to suggest a local contractor. None come with anything close to a guaranty. And even if you find a reputable repair person, the cost can quickly escalate beyond your expectations.

The Homeowners’ Solution: A Home Warranty (Service) Contract

A home warranty or service contract manages your home service needs, repairs and replacement of your major household appliances and systems.  By investing about $550 a year in a home warranty, you have an 800 number, answered 24/7. A local service and repair professional will be dispatched to address your needs.  You no longer need a family plumber or a brother in law masquerading as an uncertified electrician. You can avoid a paid referral service to some lady who recommends cake makers and photographers along with plumbers she does not guaranty. Most homes average nearly two service calls a year. A home service contract handles not only what you don’t have time for, but nearly always, what you are unqualified to handle. And don’t forget, members of the NHSCA only utilize quality minded, screened local contractors in your area and stand behind their work.

Comprehensive home warranties cover a wide array of household systems and appliances and are becoming standard on any home sale transaction. However, many providers now offer directly to consumer contracts on your home today. Better yet, providers are increasingly offering you the ability to pick the appliances and systems most important to you as you build and price your own contract. It is just one more way the home warranty industry is bringing innovation to you.

A home warranty contract with a quality member of the National Home Service Contract Association is changing the way Americans live and relax. It is a necessary lifestyle program that you will use, and will enjoy in your lifetime.

See NHSCA website for many facts, tips, and helpful short educational videos.




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

Home Warranty Plan

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

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

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

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

How Does the Plan Work?

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

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

Advantages of a Home Warranty Plan

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

Disadvantages

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

Final word

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

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




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.




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

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

Home Warranty Dummies

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Coverage

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

How Does Home Warranty Plan Work?

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

Claims

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

However, common reasons for denial are as follows

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

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

Premium and Deductible

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

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

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




Purchasing your home was likely the single largest investment that you ever made… and not just monetarily. Homeownership is an emotional investment as well. You care for your home, pouring your heart into maintaining and improving it. Your home is where you watch children grow, create lasting memories, cry a few tears—some happy and some sad—and watch as the seasons of life change.

So, with all that you’ve poured into your home, you deserve to maximize the return on your investment when it comes time to sell. Including a home warranty in the transaction helps protect your investment— monetarily and emotionally—and may even help attract better offers.

Offering a Home Warranty

What Is a Home Warranty?

A home warranty helps defray the unexpected costs associated with repairing or replacing a home’s major systems and appliances should they malfunction due to normal wear and use. For the home seller, coverage remains in effect while the home is on the market (up to 180 days in most cases). For the buyer, coverage usually goes into effect at close of sale and lasts for up to one year.

What Is Covered?

Home warranties cover your home’s major systems and appliances when they fail due to normal wear and use. This includes:

  • Heating and air conditioning systems
  • Plumbing
  • Electrical systems
  • Kitchen appliances
  • Garage door openers

What Are the Advantages during the Listing Period?

Since we all know things happen at the least opportune time, home sellers may avoid Murphy’s Law by purchasing a home warranty. If your water heater springs a leak while your home is on the market, paying the full cost of a repair can erode potential profits from the sale of your home and possibly delay closing until repairs are complete.

With a home warranty plan, home sellers get immediate protection, as coverage takes effect the day your agent submits the application. This is important, as it means there are no delays or waiting periods before you can make a service request, further saving your precious time and resources.

On top of the budget protection home warranties provide, home sellers benefit from access to a network of qualified contractors and the peace of mind that comes with knowing help is just a phone call away (you can even request service online!). Perhaps most important is a greater return on your investment, as your home may sell faster and at a higher price.

No matter how well you maintain your home, potential buyers are taking a perceived risk. The older your home (and its systems and appliances), the greater the risk in their eyes. You can offset the perceived risk by offering a home warranty with the home sale. In many cases, a home warranty could prove to be the differentiating factor for some buyers, giving them enough confidence to increase their offer and more aggressively pursue your home.

In addition, the home warranty continues protecting you beyond the close of sale. One of the last things you want is an after-sale issue because a covered system or appliance malfunctioned in your old home. If you include a home warranty with the home, the buyer contacts the home warranty provider—not you—to have the malfunction resolved.

Home Warranty Coverage Is Affordable

There are two distinct coverage periods in a real estate transaction, the seller’s coverage period (when the home is on the market, up to 180 days) and the buyer’s coverage period (after the close of sale, up to 12 months). When you choose to have seller’s coverage, you agree to purchase a home warranty contract for the buyer as well. In most cases, the fees for the home warranty contract are paid through the closing process, meaning there is no out-of-pocket cost to you until the home sells.

Depending on your state, the warranty company either includes coverage for the home seller with the home buyer’s contract or provides the coverage for a small fee (typically $60 to $75) in addition to the cost of the home buyer’s contract. That’s a small price to pay for tremendous budget protection!

What You Should Know about Home Warranty Coverage

It’s important to note that home warranties do not cover everything. Read your contract carefully to understand how the Plan works. Every home warranty has terms and conditions of coverage that explain what is and is not covered, the conditions under which coverage applies, and any dollar limits that may apply.

Home warranties provide coverage for the items specified in your contract, which are typically limited to the home’s major systems and appliances.

For home buyers, additional optional coverage is available. In some states, items such as air conditioning, kitchen refrigerator, and clothes washer and dryer may be included in the standard plan or available as options for an additional fee. Optional coverage may be available for other non-standard items, including swimming pool and spa equipment, well pump, septic system, ornamental fountain, and more.

Plan upgrades provide additional protection and enhancements to custom fit the individual needs of your home. For example, some companies offer plan upgrades that cover additional costs for permits, cranes required for repairs, modifications, correction of code violations, and a host of other coverage enhancements. Consider the systems and appliances in your home when choosing coverage to ensure you choose adequate protection to meet your needs.

Bottom Line

It’s inevitable that a home’s systems and appliances will eventually break down and usually at the least opportune time. A system malfunction could cause unnecessary financial hardship and personal stress when your home is on the market. A home warranty, however, offers affordable budget protection and peace of mind. It may also help sell your home faster while attracting higher offers from confident buyers.

Speak to your agent to learn more and ensure you realize the full value home warranty coverage can provide.

About the Author

This article was prepared by Old Republic Home Warranty, a leading provider of home warranty plans.




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.




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

Home Warranty Companies In Ohio

Best Appliance Warranties In Ohio

 

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

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

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

1. American Home Shield (AHS)

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

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

2. The Home Service Club

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

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

3. Select Home Warranty

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

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

4. HSA Home Warranty

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

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

5. Choice Home Warranty

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

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

Before You Buy A Home Warranty

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