For homeowners who have aging homes, a home warranty plan is often the best bet for budget protection against unexpected repair expenses. Such plans also have the added advantage of eliminating the hassles of having to find a repair technician for your broken appliance. It is undeniable that home warranty plans have many benefits which are probably why a good percentage of American homeowners purchase them. That said, the market today is filling up with appliance warranty companies and several types of plans which leave an average homeowner confused about whether they are using the right plan. That is the question this article aims to address.
A home warranty plan is only as good as the company selling it. Hence, the first question to ask would be this – is your home warranty sold by a reputable warranty provider? If yes, half your worries should be put to rest. For a home warranty plan to benefit you the most, here are two important features that you must look for –
If you are only contemplating about getting a home warranty for yourself, we recommend that you read our ultimate home warranty guide before you proceed.
If you are worried that you are using the wrong appliance warranty plan, you are probably right. While there is no fixed way of finding an answer to this question, customers agree that Internet research might help. A better way would be to make use of a feature available on HomeWarrantyReviews.com to compare your plan with others available in your locality.
For those unaware of this feature, here’s a description. HomeWarrantyReviews.com offers a ‘Free Quote’ tool to help new customers find a good company in their neighborhood and get estimates from them. The user simply needs to enter the zip code of his residence into the field provided and the website will run a search to come up with free quotes from companies that conduct business in the zip code provided.
This feature also offers the opportunity for existing home warranty customers to compare premium prices with others available in their area.
Like we said before, you simply need to provide your zip code. HomeWarrantyReviews.com has partnered with another service website called HomeWarrantyLeads.com to help customers find the best appliance warranty company in their region. When you enter your zip code and other relevant information, your details and requirements are communicated to companies in your region via HomeWarrantyLeads. The companies that do conduct business in your region will contact you with a price estimate and other details. This saves you the hassle of having to contact all listed companies to dig for details. Companies in your region will contact you via email or phone and give you the description of their plans and products.
This has been quite a popular feature on HomeWarrantyReviews.com for some time now. Potential and existing customers find this very useful to keep themselves informed about new and improved home warranty plans available in the market by just providing their details. No more chasing companies for quotes!
This is an uncommon question but if you still worry about the protection of your personal information given to us, here’s what we have to say. It is safe. Period. We only communicate your details to legitimate and reputable companies in your neighborhood so that companies can contact you to discuss their products. We do not sell or share your personal information with any source that may compromise your safety and security.
Hence, if you are someone who wants to know more about appliance warranty providers in your region, we urge you to try our free quote tool. And even if you are not looking for a change of company, we’d still recommend that you try our tool. So that you are better informed to make intelligent buying decisions in the future.
Nothing announces the advent of summer like firing up the grill. Sadly, nothing spoils a summer party faster than a grill that won’t light, cooks unequally or smokes too much. Marinades, Grease, and sauces cause mess on gas burners, while charcoal grills endure the corrosive properties of charcoal.
All professionals know the value of their tools. The basketball players have their shoes. The surgeons have their knife. And you have your grill. The perfect tool can aid you get the job done with the greatest of ease. But before showing off your grilling skills to everyone, you must know how to care for your grill.
Grills of all types, from simple kettles to stainless steel restaurant-grade infrared grills, need maintenance to guarantee that they perform and last. A careful cleaning makes sure that the burners fire well, heat distributes equally, and the grill is safe. Usual maintenance of your home lets you catch problems like rust early on.
Without correct grill maintenance, you are just playing with fire!
For a successful season of grilling, you need a clean, reliable grill.
Follow these tips to keep your grill in fine working order – and have delicious meals for many summers to come.
Always study your owner’s manual for detailed guidelines and cleaning instructions. Most are obtainable online at the grill manufacturer’s website.
Regardless of what type of grill you have, you must clean it regularly. Clean and reliable grills work better, last longer and won’t have a terrible taste on food. This is particularly true for cooking grates, which, if left unclean, can harbor bacteria that could contaminate your food.
The best time to clean a grill is just after food is removed, as the cooler you allow your grill to get, the more time you are giving stuck-on food and grease to set. Heat makes it simpler to take out food particles, so get at it while it’s very high in temperature.
After every use, put a grill cover over your cooled, cleaned grill, and if possible, store in a sheltered area. This is mainly important during the off season to help avoid dirt buildup, mechanical failures and rusting.
After every use, take away dirt and grease from the outside of your grill. If you see rust spots or areas where paint is coming off, use grill-safe paints for external touch-ups.
Simple and easy cleaning will increase your grill’s grilling potential for many years.
Low maintained charcoal grills are more inclined to rust. After each use, and after the grill has fully cooled, remove grates and clear your ash catcher; or take out ashes using a large spoon or garden trowel. Then employ your wire brush to remove any remains.
Extend the long life of your grill with a careful preseason cleaning. Remove each detachable piece, and clean individual parts with warm, soapy water and a wire brush. Allow cooking grates to soak for 15 to 30 minutes before scrubbing. Heat the grill completely for about 15 minutes to burn off any remaining soap residue before using.
These grills at times have a misleading “clean” knob or a “self-clean” setting, but these settings will burn off only some stuck-on food. In case your grill has a setting like this, use it to preheat before cleaning grates.
Lift the grate and gently clean the barriers above the burners. The barriers could be lava rocks, ceramic briquettes or metal plates. If it is ceramic or rock, use a soft cloth, as these surfaces are more delicate than metal. Employ your wire brush to clean metal plates.
In order to remove baked-on food or grease, wrap cooking grates tightly with heavy-duty aluminum foil- shiny side out – and put on a heated grill for about 15 to 30 minutes, depending on severity. Allow the grates to cool and then unwrap the foil. If that does not work completely, follow up with a wire brush and warm soapy water.
Follow these simple grill maintenance tips and you will have a trouble free barbecue season this year! So get out there, clean the grill and just don’t forget to use these great grill maintenance tips.
Good maintenance will extend the life and working of the grill.
Read more about how to prolong life of your appliances.
At HomeWarrantyReviews.com, we strive harder to bring you honest articles that help you decide in buying home warranty plans from over 90+ companies listed with us and over 25 thousand reviews to skim through. This article is all about annual savings from home warranty plans.
Now given for a fact, all of us would like to have a great deal, be it on any day (not only on Memorial Day or Thanksgiving or Christmas, gotcha!). So we decided to help you make an informed decision and save you dollars which could obviously prolong and protect your budget for unforeseen circumstances.
Here are ways to Estimate Home Maintenance Costs and it’s good to know Which Appliances Break Most Often, when you plan to buy an optimal home warranty as per your needs. And we’ve also got a free get quote tool for you to know what’s best in your area. Why don’t you give it a spin!
From $70 being shelled out to a repair executive to the individual appliances consuming more than $200 at one go, you could save plenty of dollars if you knew how to choose the right Home Warranty Plan.
Firstly, a homeowner with a new place to crash doesn’t need a home warranty, you’re covered by the builder’s insurance policy for up to a year. Then there’s life expectancy for the new appliances, so you could safely assume that it’s not gonna burn a hole in your pocket for the first few years. The danger mark is when one approaches the 4 year tenure and upwards of it.
Secondly, assume that your home is over 12 years old and isn’t maintained at scheduled intervals (read it as faulty appliances, leaky pipeline, paint fading, shabby interiors, you get the picture!), then even if you have the most amazing home warranty plan on the planet, your claims could get rejected. Home warranty companies seek for schedules of maintenance and keep in mind that not everything is covered and that the service executive could also charge the deductible and not get the appliance working, crazy right? It’s more likely to boil down to the individual state of affairs and policy-to-policy variations. (Clauses, subclauses and more!).
If you’re not covered under a policy at this juncture, then the regular service executive charges something around $70 per hour, also keep in mind that you’ll be charged for extra hours. You’d definitely want to think if you want to repair the appliance or replace the appliance, most would stick to the later option.
Lastly, here lies the category of pivotal importance. The sweet spot of 4 to 10 years during which every homeowner must have a home warranty policy. Now, let me tell you why. Among all the claims, the most sought after one is the HVAC control system. The service costs can vary from as low as $80 to as high as $900, in extreme cases. The average costs hover within the price bracket of $200 to $400. And now this should get you thinking, if one appliance service repair is costing that much, then how about the remaining appliances in your home! We’ve still got the next sought after claim- water heaters, averaging again around $300 for each service repair, and adding more to the list are- swimming pools/spas, garage doors, plumbing, furnaces, washing machines, refrigerators, dishwashers and other miscellaneous appliances, which might potentially need a service. Thus, the individual average price of each appliance can shoot over $200 respectively. (That’s a Roadkill if you ask me!)
At this juncture, on a yearly basis, one can expect that at least two of the home appliances could breakdown & give you headaches which you never knew existed! Add to that the service executive’s cut, the cost of the replaced part and you’ll see yourself frowning. Whereas, the average price of one comprehensive home warranty policy is around $600, lesser than getting HVAC control system alone repaired on your own. But, if you choose wisely you’ll cover a lot of other appliances and potentially save a minimum of $1500 to $2000 in a given year. Isn’t that a pretty cool figure to save any day?
So this is why we’re all here folks, to know why Home Warranty plans are beneficial to us, in our day-to-day activities. Here’s a list of comprehensive pointers for us to ponder over-
The bottomline is, if you’re a homeowner falling under the 4 to 10 years age bracket, then home warranties are going to be most beneficial as elucidated. We would also urge you to search for best companies locally listed under your ZIP and find the right choice for a home warranty plan by comparing the different plans offered by top 10 companies. If you fall into other categories, fret not, and make an informed decision by checking out our extensive collection of reviews, get online, be in the know, it’s that simple! Internet is the information superhighway afterall. Happy home warranty hunting everyone!
When it comes to appliance warranty protection plans, the choices are plenty. Should you buy a comprehensive home warranty or extended warranty at the point of sale? While home warranty is like an umbrella insurance that covers all major home appliances, extended warranty is purchased for each appliance separately.
Home warranties will charge annual premium and deductibles per repair incident but they can be purchased anytime during the life-cycle of the product. Extended warranties will charge up front fees, but no deductible per incident and these protection plans are generally sold during the initial stages of product’s use, although there are exceptions.
Generally, home warranties cover all used appliances, but extended warranties cover new items only. Recently, Warranty Week ran an article that questioned whether there is an overlap between the two. They interviewed several executives from home warranty and extended warranty companies. The general consensus appears to be that, there is some overlap, however two types of warranties serve different purposes.
Mike Frosch, president of The Warranty Group, North America, said “Home warranties are great, when you’re buying or selling a house and want to cover used appliances immediately. Service contracts are great, when you’re shopping for new appliances and want to extend the manufacturer’s warranty for additional years. So in a sense, the coverage may overlap, but the offers don’t really compete. When you buy a home warranty, for the sake of argument let’s say it’s $450. It’s a one-year coverage on used equipment. It’s providing some coverage on some amount of appliances, but it’s really about heating, air conditioning, plumbing and electric”
In our view, they do overlap if you are talking about big ticket appliances, but there is no need to buy both. If you are buying a new appliance, chances of it failing in the first 3-5 years is far less assuming you have researched the product before buying. So, there is no real need for extended warranties.
However, if homeowners still want peace of mind coverage, then they should simply go with home warranty as it covers all appliances in your home not just one specific product. The home warranty costs are higher than the extended warranty, however it covers far more items and you have a single point of contact for all repair needs.
Extended warranty companies argue that they provide better service and offer more economic protection plans. The argument is compelling on the surface, but keep in mind home warranties are useful where there is frequent need for repair such as old appliances.
We wonder what would be the service level if extended warranty companies offer maintenance service of 10-15 years old appliances such as heaters and air conditioners. The repair needs are much higher and their profit margins are much lower. Generally extended warranties are bought for new electronics items and repair incidents are much lower. For this reason, we think it is a wise decision not to buy extended warranty at point of purchase.
A bathroom is one of the most important places at any home. A place to relax, rejuvenate and unwind. A clean and well maintained bathroom is a sign of physical and mental well being of a family.
With time the structure and appliances grow old and no longer have the same appeal. Chipped walls, dull sanitary ware, old flooring, leaky taps, rusted pipes can put you off. An old and dirty bathroom can be a big embarrassment. Does this sound like your situation? Do you think twice before answering when your guests ask, can I use your washroom?
Then its time for you to consider renovating it. Thoughtful re-designing can make it spacious and provide more storage. Renovation also adds value to your home if you plan to sell.
Options are endless when it comes to remodeling bathrooms as there is a wide scope for improvement. The combination of plumbing, electrical wiring, and decorating schemes packed into the smallest residential spaces create unique demand for its renewal.
If it needs to be restructured then everything has to be discarded and built from scratch. But if the layout is fine and the waterproofing is sound, then it will not cost you a fortune. A dramatic difference can be made by simply changing the color scheme, re-tiling over the old floor, replacing cabinets and sanitary ware. There are even resurfacing products that can put a new surface over old colored tiles or chipped and outdated bathtubs.
Before you rush to speak to a renovation company and ask for quotes, it is very important to do your research. The variety of renovation options can be overwhelming including the infinite choices of baths, showers, toilets, taps, shower heads, tiles, paint colors, mirrors, splash backs, etc. The more determined and clear with ideas you are in what you require from your renovation, the more likely you will be of getting the one that you always wanted.
The secret to your dream bathroom is detailed specifications. While tabulating what you require, consider this questions.
Now you have a foolproof plan of what exactly you want. Wondering what next? It might come in handy to consult your friends and relatives who have got renovation done from potential and reputed contractors. Do your research and be sure that you opt for the army of people you would want to hire to transform it.
Typically it would cost between $9,000 and $25,000 depending on a number of factors such as:
The next step is to choose the sanitary wares and fixtures. If your existing ones are in decent condition then you can make them look new.
All you need to do is wash and scrub with an abrasive cleanser, Lime-A-Way. Then sand on them. The final stage is to paint. Mix the epoxy and paint with a brush and roller. Brush in one direction to make it spread evenly.
If they are way too old and ready to be discarded then yes it’s time for some shopping, but before heading to the store flip through the magazines and browse home improvement websites and get a firm idea about the fixtures, shower curtains, and sanitary wares you would need, it will save you time and costs.
Here are the essentials that you may have to buy:-
These come in a variety of styles with built-in shelves for condiments. You should be able to get a decent one for under $200. Check for the desired size.
Shower curtains and hangers set the mood of the whole washroom and its gets better when coordinated with towels. If the area is small you should go with a lighter color and you can choose to experiment with different kinds of fabric. You can choose vinyl, polyester, cotton, or other decorative textiles. Remember that vinyl and plastic shower curtains can be spot-cleaned while fabric curtains may need to be taken down and washed.
Compared with other fixtures, toilets are not that expensive, but low-flush toilets are not cheap. Choose the one which will complement other sanitary-ware. You can also try a toilet tank water saver. This is a mechanism that fits in the toilet tank and only lets enough water in the tank to do the job. And it’s adjustable.
Sinks/ faucets add elegance to the place, so pay more attention while choosing. It can be counter top, wall mounted or wall hung, above counter vessel types, pedestal, cast iron, integrated, freestanding, or self-rimming, and more. The sink that you choose will determine the type of faucet and handles that you can install in the sink, so keep that in mind to assure that your faucet purchase is compatible with your sink purchase.
To save money buy a water saver shower head. This can save you over 50% of the water and hot water costs for the same duration of shower.
Do not change the location of plumbing when working on low budget. Plumbing modifications requires bringing out the pipes from wall. After placement, you will have to do wall repair work. If new tiles were not in your mind, they will have to be then. Consider renovation in tight budget and forget plumbing modification. That means showers, tubs, toilets, and sinks should remain in the same position.
Linoleum: In a small or medium-sized washroom, changing the floor can be as easy as rolling out a section of beautifully-designed linoleum over the present floor and gluing it. If the present flooring is linoleum you can get a neutralizing agent to scrub the floor and then apply the mastic. The new linoleum will go down easily. Then install molding to hold down the edges.
Tile: This is also cheap and can go over other flooring. For small spaces it can be a do-it-yourself job but a handyman can do it quickly and cheaply. Big tiles can also be used on the walls from the floor to the ceiling for a royal look. You can also choose to have stick on tiles which can be stuck on any surface and look magnificent, moreover you can do it yourself.
Usually the lighting is overhead and/or framing the mirror. This might take a couple of hundred bucks for an electrician but installing sconces on each side of the mirror will really give it a makeover.
It is the cheapest remodeling technique and usually one gallon of finish will do the job. Blue, Sea green, orange based on your preference and the advice of the contractor, you can choose the colors.
One beautifully framed mirror over a sink is more attractive than many surfaces covered with mirrors. These will enhance the looks of your washroom.
Wooden or bamboo accessories seem to have replaced the old fashioned steel racks. You should first look at the type of wood the racks are made of. Pine or oak can be strong, but be careful; they may form fungus when left wet.
Take advantage of space between wall studs by recessing a tall storage cabinet into the wall to maximize vertical storage while saving floor space. The cabinet should have an interior depth of at least three inches and a door flush with the wall.
When your it is completely renovated you can bring in one or two indoor plants like Boston fern, peace lily etc, which helps in cleaning the air. When your renovation is completely done then yes it’s time for indulgence. Enjoy your new bathroom.
Moving into a new home is always something people look forward to. While new beginnings promise hope and happiness, there are some things you need to consider before you pack up and make the move.
Whether you are buying a home or renting , the rules remain pretty much the same. One must carefully inspect the property and neighborhood to determine whether it suits your needs and lifestyle.
Hire a professional home inspector to take a look at your new place irrespective of whether the home is old or new. As discussed elsewhere on our site, home inspection reveals existing and potential faults with the property and the appliances. This is all the more necessary if you are planning to buy the house.
If there are multiple faults with the house, it means that you will be spending a lot of money on repairs in the future. While all home warranty companies do not mandate a home inspection, it may be a good idea if you are planning to purchase a home warranty to protect your budget. However, if the owner is selling a house with an existing warranty plan, an inspection may not be necessary.
However, if you are planning to rent the house, you don’t need a professional home inspection. You can do a basic assessment yourself to ensure that the home is functional.
This step consists of several little things. Most sellers and owners exhibit their property claiming that it is ready to move in. However, there are some vital points that you need to check/implement.
If you are buying the house and if you plan to do it on mortgage, homeowner’s insurance is always mandatory. Apart from this, you may need to buy a home warranty to cover your budget in case any of your appliances break down.
Select the plans well in advance so that you won’t have to spend time on it later when you are tired after all the moving and unpacking.
Speak to your neighbors and get to know your neighborhood. New neighbors are the best sources of information about facilities available in the vicinity. Also ask about the general atmosphere in the area.
Once you meet your new neighbors, it will not be a bad idea to drive around the place. When you do so, make a note of the department stores, hospitals, eat-outs and other essential joints in the vicinity.
And You’re Done!
You’re almost there. Once you change your address and telephone numbers, you are ready to move! Last but not the least, make sure you hire a reliable and reputable packers and movers. Lousy ones cause damage to your items. Best avoid them. Good luck!
Hope you enjoy your new home!
Personalizing a space and its aesthetics to suit your style and needs is what renovation is all about, but it’s not all about how it looks. We all know what a task it is just to get your home repainted, from covering up all the furniture and appliances to pretty much having to move out till the task is complete. That’s where the mission of preparing yourself for a home renovation comes in – from the planning of layout and budgets to the actual wrapping up of the house and constant supervision. When it comes to renovating a kitchen, planning is all the more important, as it is impossible to use the space while the contractor is at work.
It can seem very daunting and not knowing where to begin is a major setback when it comes to such projects. If you take too long, there is even the fear of losing interest altogether. Taking stock of property, estimating costs, schedules and research are all a part of the process, making sure you don’t compromise during the renovation and yet don’t land up overshooting budgets. Below are a few points that will help you out to kick start and keep control of the renovation.
Keep your plans and layouts realistic, the budget strict and make sure you set aside a margin for unexpected costs – there is no way of avoiding surprises completely! A few absolute essentials – cabinets, stovetops, sink, and chimney – usually take up a larger percentage of the estimate, so if you plan on changing or adding any of these, do it first.
Keep some time to go through interior and architecture magazines and blogs online to get some inspiration and keep an archive of things you might want to get back to or must remember. Phone applications like Wunderlist, Evernote and Google Keep act as great digital notebooks, and Pocket for Android/ Apple /PC allows you to save websites and blogs offline to get back to later. Instead of printouts and sticky notes, the digital era gives you an easy way out, especially since they can be synced between computers and phones with just an ID. It might seem like a lot of work, but it is always helpful to have a picture of that you want, especially when talking to the contractor.
At this point, there would be two ways to go about it – either to follow the existing blueprint or to alter architectural elements and start afresh. The latter is more lucrative but keep in mind that it is also pricey and more time consuming. The benefit of it is that it will allow you a lot of flexibility in terms of wiring and even plumbing a few areas.
It’s time you also took stalk of decisions regarding your appliances; their age, condition, and efficiency primarily. This is a good stage in the process to call in an inspector from a Home Warranty company to assess which appliances of yours are keepers and what the company can offer you in terms of their coverage, claims, and conditions.
The first step is going to take up quite some time, especially when it is about budgeting. The fact of the matters remains that you will need a professional sooner or later, and it is best to give yourself that liberty of taking help when you need; from hiring an inspector for technical decisions to getting a little design assistance during your showroom visits.
Pick what suits you best and chalk out a tentative budget. A professional at this point can be very resourceful and would also help you keep grounded in all the small decisions that you need to take. If you plan on undertaking a more comprehensive route which involves architectural changes, getting an engineer to inspect the space is a must.
It’s time now for big decisions! It is important to keep things functional but that shouldn’t stop you from having a bit of decorative fun.
Major aesthetic decisions you have to narrow down and sign off on:
Before you sign off with a contractor, make sure you get more than one estimate. Outside of the budget, make sure you relate with him and his team – you will be spending quite a bit of time with them, especially when you supervise the finishing touches.
Once the hiring, picking of designs, signing contracts are done, it is time for you to pack up and let the renovation begin. Have the contractor help you set up an alternate space; it makes the entire process a lot less daunting.
We’d love to say that it is time now to relax but now is when the real work begins. Though the contractor and professionals will do the heavy lifting, as a homeowner, it important that you are involved and kept in the loop every step of the way.
Be it an extensive renovation or just a few replacements and tweaks, having an insurance in place during the construction process as well as a warranty for appliances and wiring systems is highly recommended.
Not only are you covered in case of accidents, there is also a certain degree of guarantee that the alterations being made are going to hold for years to come, without constant repair.
And what better way to research than HomeWarrantyReviews.Com? With comprehensive reviews, ratings of all the states in the US and with a greater focus on home warranty companies operating in major cities, you can be certain of the level of work you can expect from a home warranty company. At the end, all you have to go is compare policies and pricing by getting free quotes from many home warranty companies operating in your ZIP code!
If you have been planning to buy a house or you have already bought a house, realizing the importance of homeowners insurance is very important. Make sure you have adequate coverage. Studies reveal that approximately 20% of the Americans have cut back on their insurance costs to meet their other monthly financial obligations.
However, insurance coverage is one thing that should never be compromised upon. Your home insurance should be such that it should not only give you adequate coverage but it should also do justice to the amount you shell out as premium. And your premium should be within your reach. It is only when you find it difficult to make payments for the premium that the insurance policy appears to be a financial burden to you.
The ideal way to find the best quote for homeowners insurance is to shop around. You can compare quotes online or talk to insurance carriers personally. There are many insurance carriers that offer different plans to meet the requirements of the consumers. You can try out these and after evaluating the pros and cons of the plan, should you buy your insurance policy.
It is very important that you are not underinsured. If you save some cash now by staying underinsured, you may have to shell out just the double in case of a financial emergency or an unforeseen event.
Instead of buying inadequate coverage for your homeowners insurance policy, there are many things you can do to cut down expenses related to your insurance policy in a reasonable manner. Given below are few measures you can take to reduce insurance costs.
So, when you have the above measures to keep your insurance cost down, it is not necessary to reduce the coverage to save costs.
While appliance protection plans are always a wise purchase if your appliances are older than 4 years, you still have to make sure that you chose a home warranty company that has a good reputation. It has been noticed that companies sometimes deny our claims on vague grounds, often quoting fine print from the contract. One major such reason stated for denying claims is lack of maintenance.
More than a handful of customers have reported that their claims were denied stating that the device was badly maintained. While it is understandable that customers feel cheated, we still have to realize that since contracts explicitly mention that lack of maintenance issues are not covered, we can’t expect the company to repair such devices.
Let’s take a look at a story that happened sometime back. A lady bought a home warranty contract thinking that she’ll get some budget protection. Her appliances were well over 4 years old. She briefly breezed through the contract and assumed that except for damages due to hazards, thefts and some explicitly mentioned perils, every other damage was covered. One day, her radiator breaks down. She informs the home warranty company and they send a tech to take a look at the device.
The tech finds out that the device was never serviced for quite a bit of time which eventually led to its breakdown. He innocently reports to the same to our lady who gets mad at the tech and the company. The lady then decides to write about this incident on the internet without realizing that the fault could be on her part. She did not get her devices serviced nor did she read the contract carefully. The company’s reputation suffered due to her carelessness.
Now let’s take a look at another story. Yet another lady bought a home warranty contract from a company that was not really famous nor did it have a good reputation. She paid her premium and she was a good housekeeper who regularly got her appliances serviced. She turned to her warranty company when her refrigerator malfunctioned. This company then sends over a tech who diagnoses the issue to be one caused due to lack of maintenance. The lady was distraught. She was sure that the issue was something else but what choice did she have? The company in question here, operated without ethics and refused to repair a damage that was legit. This incident too leaves the lady furious and in a position where she would definitely bad mouth the company.
So you see, like a coin with two sides, the home appliance warranty industry too has a good side and a bad side. There are cases where genuine claims were denied just so that the company can make a profit and there were cases where the denial was genuine and the customer could just not accept it.
We understand that nobody wants to encounter such unpleasant experiences. We can’t make these warranty companies behave themselves, so what we can do is to make sure that we don’t associate ourselves with companies that have a bad reputation or are fraudulent.
Here’s a list of things you can do to avoid any disputes and conflicts
We are a team of likeminded people who built HomeWarrantyReviews.com to provide genuine feedback about the industry to its customers, so we are not here to praise the industry or cover-up their mistakes. In the time that we spent here, which is over 9 years, we have come to realize the following:
If you keep all these points in mind, we’re sure that your experiences with the home warranty industry will be a pleasant one. Cheers!
When HomeWarrantyReviews.com asked me to write an article about Colonial Home Warranty’s recent announcement that it was closing its doors my first thought was what will happen to all their customers? As a marketer and blogger who works in the home service contract space I’ve seen a few companies go out of business and it never worked out well for the customers.
As of March 17th, 2014 the New Jersey headquartered company, Colonial Warranty Group, Inc., closed its doors and filed for Chapter 7 bankruptcy protection from a New Jersey court. But the protection it is seeking from creditors probably doesn’t include all of its customers, those unfortunate souls left holding worthless home service contracts. So I set out to get some answers to the questions I was asking and those the consumers were asking on HomeWarrantyReviews.com.
Since HomeWarrantyReviews.com specializes in compiling consumer reviews about home warranty companies in the U.S., also referred to as home service contract or residential service contract companies, I started by asking what they had heard directly from their readers. One customer of Colonial Home Warranty who asked to be identified only as Mike M. from Ashburn told a member of the staff at HomeWarrantyReviews.com about his three year contract, signed in 2012, which should have been in effect until February 2016. Colonial had enticed him to pay for all three years upfront in exchange for three free months of service. Mike also shared that leading up to the news of Colonial’s closing the more expensive of his repair claims were already being denied for reasons he did not feel were in keeping with his contract.
Mike’s experience was certainly not unique and the customers of Colonial were not just voicing their complaints on HomeWarrantyReviews.com. A search on Google led to a number of consumer websites with complaints from Colonial Home Warranty’s customers. On one such website I read a testimonial from a consumer who purchased a contract from Colonial Home Warranty less than a month before the bankruptcy filing in New Jersey. With that sort of story the obvious question came to my mind. What was Colonial thinking when they sold new contracts so close to their bankruptcy filing? Unfortunately HomeWarrantyReviews.com’s request for comment from the bankruptcy attorney for Colonial went unanswered.
A few readers who wished to remain anonymous purchased three year contracts from Colonial and had received one year or less of the service promised by the company. The testimonials on HomeWarrantyReviews.com’s Colonial Home Warranty page and on other websites tell similar stories. But some customers claim in their online testimonials that they are taking their complaints further than Internet testimonials. Whether or not any customer of Colonial Home Warranty has filed suit against the company or made any type of plea to the bankruptcy court was not clear at the time of publishing this article though. I did request comment or information from the bankruptcy court in New Jersey but was informed that they do not comment on cases or offer legal advice. Their advice to me was to seek guidance from a consumer advocacy group.
A reader who emailed us with her story, Kristi from Texas, tried to reach a company she believed to be the parent company of Colonial Home Warranty called XPD Warranty Group in order to find out if that company was servicing claims from Colonial Home Warranty’s customers. She is not alone in asserting that XPD Warranty Group is a parent company or holding company for Colonial Home Warranty. Her attempts to reach XPD Warranty Group by phone were unsuccessful but she did learn that her state is starting an investigation into the dealings of Colonial Warranty Group, Inc. with residents of Texas. Texas’s entity which regulates what it calls residential service contract companies is called TREC or the Texas Real Estate Commission. Kristi wrote that those she has spoken with at TREC have been very helpful and she recommended other Texas residents with complaints against Colonial Home Warranty contact that office for more information. I contacted TREC to find out about the association between Colonial and XPD. I was able to confirm that XPD Warranty Group is licensed to operate as a provider of residential service contracts within the state of Texas. I was also told that in 2012 Colonial Warranty Group, Inc. entered into a written agreement with the state of Texas to stop selling, renewing and servicing residential service contracts for Texas residents. After that point Colonial was to relinquish control of its contracts with Texas home owners to XPD Warranty Group. Finally I confirmed that TREC is following up on at least a few complaints lodged against XPD Warranty Group by Texas residents relating to issues with contracts originally issued by Colonial Warranty Group.
I also gained some insight into the relationship between Colonial Warranty Group and XPD Warranty Group thanks to another reader of HomeWarrantyReviews.com, Lanny Teague from Sanger Texas. Lanny’s story gave credence to the assertion other readers have recently made that Colonial and XPD are, in fact, working together, if not the same company. Lanny told me about the 13 different contracts which were purchased from Colonial Home Warranty, each contract having a three year coverage term and each one being paid in full upfront. Lanny also informed me that Colonial didn’t handle the claims associated with the contracts. Whenever a claim was filed it had to be addressed to the company acting on behalf of Colonial in Texas, XPD Warranty Group. And when Lanny asked to cancel the contracts covering Texas properties the cancellation was handled through XPD, not Colonial. Sound strange? Well, it gets stranger.
When Lanny requested a refund for the unused years of the 3 year contracts that had been purchased XPD Warranty Group did agree to issue partial refunds amounting to more than half of what had originally been paid per contract. That sounds awfully strange for a company that has allegedly told others that it is not associated with Colonial Warranty Group. For readers interested in the timing of these refunds, these refunds were very recent. The refunds, according to Lanny, were issued on April 10th of this year.
I attempted to reach someone from XPD Warranty Group, Inc. but at the time of publication of this article I had not received any response from that company. If that should change then this article will be updated. Readers are encouraged to check back regularly here and also email [email protected] with any questions they would like posed to the company.
Another reader, Manishee Gupta, told HomeWarrantyReviews.com how he purchased not just one but three separate three year service contracts from Colonial Home Warranty about two years ago. Purchasing multiple home service contracts as in the case of Lanny and Manishee is not as unusual as it may sound. Many owners of investment properties choose to cover those homes with a home service contract in order to make the work of managing rental properties easier. Mr. Gupta told us how his tenants were even able to report problems with covered items in the homes to Colonial.
In theory this can make life simpler for a landlord but only if the company keeps its promise to customers. But now that Colonial is seeking Chapter 7 relief from its debts Mr. Gupta wonders “if there will be any recovery” for customers like himself. The overall sentiment of readers who have communicated with me and with HomeWarrantyReviews.com is pessimistic though. Most believe that nothing will be done to address the possibility that Colonial acted with criminal intent to defraud consumers, signing multi-year contracts even on the eve of filing bankruptcy.
The main concern of the readers who have contacted HomeWarrantyReviews.com is a common one. These are consumers who paid in advance for something they now will not receive. They’re upset and rightfully so. But let’s step back for a moment and ask why this happened. Why did Colonial Home Warranty make what seems like a sudden decision to file for bankruptcy protection? The answer to that question may start with the state of California.
I contacted the regulatory entity that oversees insurance companies selling to residents of California and requested information about any open or resolved legal matters regarding Colonial Warranty Group, Inc. In their reply I learned that on November 8th, 2013 Colonial was ordered by the California Department of Insurance to cease all operations selling and renewing home protection agreements. Colonial, according to the order issued by the California Department of Insurance, had been selling such contracts to California residents without required licensing since not later than January 23rd, 2012. For California residents who did business with Colonial Home Warranty this means that any contracts sold to them by the company were not legally issued. Whether or not this could lead to any recovery of customer fees paid to Colonial I don’t know. But one thing was very clear in the order to Colonial. For every day Colonial did business illegally in California it is liable for $5,000 in fines. If you do the math that total fine liability comes to millions of dollars. Was this the cause of Colonial asking a New Jersey court to protect it from its creditors? The answer to that question should become clearer when Colonial’s Chapter 7 request is handled by the court.
California’s insurance regulator was not the first to take action to stop Colonial Home Warranty from selling home service contracts to its residents. In August 2013 the state of Florida Office of Insurance Regulation ordered the company to cease doing business with Florida residents due to violation of a state law which requires a license in order to sell home warranties. And of course Texas had already told the company to stop selling contracts to its residents prior to issuing the order in 2012.
There are two options to consider:
1. Readers who wish to submit a petition or claim to the court handling the Chapter 7 bankruptcy proceedings for Colonial Warranty Group, Inc. should strongly consider retaining professional legal assistance in order to do so. I asked the appropriate Clerk of Courts for information regarding submitting such petitions or claims and was informed that their office is not in a position to provide comments on pending cases or legal advice. Colonial Warranty Group, Inc.’s Chapter 7 Bankruptcy filing will be handled by Judge Donald H. Steckroth of the New Jersey Bankruptcy Court and is identified as Case number 2:14-bk-15949. A representative of HomeWarrantyReviews.com also tried to reach the attorney for Colonial Warranty Group, Richard Honig of Hellring, Lindeman, Goldstein & Siegal, for comments or information about the bankruptcy case but at the time of this article’s publication had not received a reply.
2. Before issuing business license, many states require such companies to pledge bonds. If you are one of the customers that lost money, you may want to approach your State Insurance Department. If the State has collected pledge bonds, you may recover a portion of your money paid to the company.
While I cannot say that any actions taken by state regulators directly led to the closure of Colonial Home Warranty or the Chapter 7 bankruptcy filing there may still be a lesson for home warranty customers to learn from all of this. Doing business with a company that has operated without proper registration or licensing in your state could be your problem as much as the home warranty company’s problem if they are caught. It is worth your time to be sure that any company you purchase a home service contract from is doing business legally in your state.
If you have been affected by the closure of Colonial Home Warranty or have other experiences with this company you’d like to share please email [email protected] The team at HomeWarrantyReviews.com will be happy to receive your stories as well as helping with any requests for information from readers.
Kevin Wallach writes a blog about the home service contract industry in the United States, HomeWarrantyWiz.com, and works in a marketing capacity within the home warranty industry. He has followed the industry for five years and has worked just as long to help bring customers and companies together through Internet marketing. He also is the administrator of an industry group on Linkedin called “Home Warranty and Home Service Contract Professionals”.
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.
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.
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,
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:
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.
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!
Home Warranty Insurance provides you with protection against expenses that are incurred due to damage of your household appliances. The appliance warranty company shall either pay for repairs or replace your damaged appliance.
Home Warranty is not an ideal choice for customers who have fairly new equipment in their homes. It is ideal for appliances over four years old.
The advantages of Home Warranty are many. Its like an umbrella warranty that covers all the appliances in your home. These are the best aspects of an Appliance Warranty Insurance:
As much as there are benefits, like a coin with two sides, this too has a few limitations.
Being a top home warranty reviews site, we are aware of common problems faced by customers. Let us take you over a few such issues that you may find difficult to deal with:
Always make sure that you read the Policy booklet and contract thoroughly so that future conflicts are avoided. Also ensure that the Insurance Company you choose comes highly recommended.
Choosing the right plan and the right Insurance company is a tough decision to make. The market does provide a lot of choices regarding this as well. If you have decided to proceed with your decision of getting a Home Warranty for yourself, check our reviews section for some insights and ratings. We hope that it will help you choose a plan that suits your needs and your budget. If you are still undecided, do check out our Home Warranty Buyers Guide for further help.
Green is the color of choice for those who wish to protect the environment and mother earth. Green fever is catching up quickly and everywhere you see, companies are coming up with new eco-friendly products whether it is energy saving products, reducing plastic usage or simply buying products from companies that are known to promote environmental awareness.
If you are shopping for a new home warranty insurance, you may want to ask if they choose ENERGY STAR appliances when they replace the old appliances
in 2008, Home Warranty of America started its GreenPlus program which provides an option to choose energy saving appliances. The program costs an additional $6.25 a month and provides replacement of covered appliances with ENERGY STAR qualified products.
“We’re so excited GreenPlus has been positively received over the past year. At this point, selling thousands of these options has surpassed our expectations,” says Marc Roth, CEO and President of HWA according to the press release.
GreenPlus covers the refrigerator, dishwasher, clothes washer, heating system and water heater for an additional $6.25 a month or $75 a year. When homeowners with GreenPlus encounter an event wherein an insured piece of equipment cannot be repaired, they receive an ENERGY STAR qualified replacement, which is typically a higher end model than their existing one.
“We wanted to create a product that allowed our customers to reduce their energy consumption and save money while helping the planet at the same time. We know that Realtors and homeowners want innovation from us in our products and are increasingly interested in being able to choose environmentally friendlier options,” added Marc Roth. HWA also said they are looking to develop more innovative options in the near future.
Home Warranty of America, Inc. of Buffalo Grove, IL, was founded in 1996 to provide home warranty coverage for houses, town homes, and condominiums. The Company provides its comprehensive home warranties directly to the homeowner and takes the worry out of buying and owning a home.
Home warranty is a service contract that offers discounted repairs and replacements for your household appliances. If you have an appliance protection plan, and if one of your covered appliances breaks down, the home warranty company will repair it for you at a very nominal price.
In general, such plans are considered a wise purchase for those
If any of the above mentioned conditions are true, it will be a good idea to purchase an appliance protection plan. Folks who fall into any one of the categories stated above stand a high chance of encountering frequent damages leaving their pocket empty.
Several types of appliance protection plans are available in the market today. Most of them differ with the extent of coverage. Most of the first tier or basic plans cover only major systems and appliances in your home. This usually excludes outdoor appliances and systems and second sets of devices. Eg spa and pool units, sprinklers are common things excluded from coverage. Also second air conditioning unit, second cooler etc are also omitted. However, the best part about these plans are that their coverage can always be extended. Accordingly the annual premium you pay will be higher.
How Does the Plan Work?
If an appliance crashes while the warranty plan is still valid, all you have to do is to inform the company about the damage. Once you give them all the necessary details, they will call up a service vendor with whom they maintain business ties. The vendor then contacts you to fix an appointment and on the agreed time he arrives to take a look at your appliance. If the damage is minor, the technician will fix it right away.
However, major damages or part replacements may need approval from the home service contract company. Any parts that require replacement will be procured for you by the company.
Home Warranty plans are a great way to insure your household appliances if they are old or aging. However, people often tend to confuse this with homeowner’s insurance, which is quite a big mistake. Homeowner’s insurance can never be replaced with a home service contract or vice versa. Though they both offer protection for your appliances, their grounds for placing a claim are totally different.
May it be reminded again that the policy booklet and contracts are vital documents and should be studied and preserved carefully. If you have decided to go ahead with a home warranty, check out Top Home Warranty Companies listed on our site.
There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC). HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.
Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company. Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.
The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services. Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.
There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!
Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible. Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot. Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product. Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials. Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.
Ever wondered what is the difference between home warranty and homeowners insurance ? Are they not same? Let’s find answers for these questions.
While home warranty and home insurance products may come across as same, they are totally different. The coverage, cost, terms and conditions vary greatly. Home insurance is compulsory in some cases whereas home warranty is a recommended choice.
Home warranty offers protection for your major appliances, as well as plumbing and electrical units. It covers the cost of repairing or replacing major household appliances in case they break down, provided they meet the terms and conditions of the home service contract.
Home insurance covers your home in the event of damage due to natural calamity or man-made disasters and offers you liability protection from lawsuits in case of a third party involvement. If your neighbor came visiting you and accidentally fell and got injured and decides to sue you, then home insurance will take care of the claims. Home insurance is mandatory if you have a mortgage on your home.
Items covered by a home warranty may vary by company and plan, but typically includes the following items:
In case of an uncertain event like fire, theft, vandalism, or certain natural disasters, the cost of damages are covered. It also covers your personal items and gives you liability protection. Liability insurance will protect you from lawsuits in the event that someone is injured on your property. Home insurance will only insure your personal items in case they are stolen or ruined in a disaster. Repairs and replacements due to wear and tear are not covered.
The insurance policy varies depending on your state of residence and type of policy, but generally it will cover the following.
Home is the most prized and cherished possession any individual can have and nobody anticipates damages to this, therefore a home insurance provides you the following benefits when you cover your home.
A standard warranty runs $300 to $500 for a year of protection, which covers the cost of repairing or replacing a home’s major systems and appliances. Home sellers typically pick up the tab for the first year of coverage. Extended coverage plans for pools, spas and washers and dryers can be purchased at an extra cost.
Insurance cost varies from state to state and depends on the extent of coverage and the location of the property but a standard insurance can cost any homeowners insurance is between $300 and $1,000.
When you are planning to buy a home warranty, make sure that you do some research. Check our home warranty reviews section that provides pricing, comparison, quotes and consumer reviews of all major companies. When you are getting price quotes, inquire to look over a sample policy. Bear in mind to understand the entire policy, together with the fine print.
Another advantage of home warranty policy is that it is transferable. That means when you sell the house the warranty would be passed to the new owner. This has proved to be a well-liked feature amongst home buyers as homes having home warranties are selling at increased prices and in much shorter times. This in itself could make it sensible to get a home warranty policy.
When a covered appliance breaks down you need to contact your warranty company. A warranty company already has business ties with different service vendors. They will in turn contact a service repairman to come to your home and repair the appliance. The repairman will fix the item or recommend replacing it. The service repairman will bill your warranty company directly, but you have to pay a service charge when the repair person visits your home.
With any kind of insurance, it is always a good idea to shop around and evaluate benefits and prices as most insurance companies will provide you a policy discount. Ensure you read the policy before writing a check and ask any queries that you have in mind.
So, the conclusion is that home warranty and insurance are complementary to each other. You can choose to protect everything you own, provided you can afford to. Keep in mind that these insurance products do cost a bit more, but compared to the benefits they provide and the peace of mind you get, it seems like a very small amount. Insure your home as well as buy a home warranty all within your budget.
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.
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!
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.
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
Don’t worry too much about it. If you choose a reputable company, chances are low that your claims will be unjustly denied.
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!
With over 185,300 active Realtors in Los Angeles, selecting the right one to assist you with the sale or purchase of your home can be daunting. You will want to find someone who is proficient in buying or selling homes in your surrounding area in L.A as well as in your price range.
Below is the list of the top 5 Realtors in Los Angeles by their gross sales volume in dollar amounts and some other relevant information so you can feel confident when making decisions about buying or selling your home.
For more than three decades, Brad has focused his attention on helping families attain their goals of buying or selling a home in North Hollywood, Studio City, Burbank, Glendale, Tujunga, Panorama City, Sherman Oaks, Valley Village, West Hollywood, Van Nuys, and the wonderful and diverse surrounding areas. He listens to his clients’ needs patiently and then puts together the best strategies for reaching the results they want. He believes that true success comes from making objectives for what matters most in life. Whether he is with his family or assisting his real estate clients, Brad enjoys positive results owing to his unique ability to visualize a goal and make an effort for achieving it. This determination is what continues to take his career as a realtor to new levels of success. With over three decades of experience, Brad is an unmatched resource for all things from the real estate market to community services.
An alumnus from California State University-Northridge, Brad’s specialties include home sellers, home buyers, 1031 tax deferred exchanges, short sales, investment properties, first time home buyers, bank foreclosures, multi- residential homes, single family residences, condominiums, townhomes, downsizing, and relocation. The owner of The Brad Korb Real Estate Group, Brad and his team of realtors have attained an incredible success for clients by offering services that go well beyond the average realtor. “We are very excited to have been endorsed by real estate mogul Barbara Corcoran, from Shark Tank, and also being ranked #1 locally by Wall Street Journal.” He believes that relationships with clients are based on accountability, dedication, loyalty, and clear understanding of client needs. There are three teams within the Brad Korb Real Estate Group. The listing team members concentrate fully on marketing client’s homes on every available marketing podium such as Internet, TV, and Radio. The buyer’s team is elite coached and sell up to 10 times as many homes yearly compared to an average realtor. The concierge team manages internet inquiries and phone calls along with the chat service on the website. Besides, Brad is also an owner of RE/MAX In Action and Civic & Social Organization Professional. He has received the following real estate industry awards:
Additionally, Brad is also proud to hold the following certifications sponsored by the National Association of Realtors (NAR):
Brad’s interests include spending time with family, fishing, reading, Los Angeles Dodgers Baseball, Los Angeles Lakers Basketball, traveling, reading, concerts, and working out.
When you and your family are set to make the important decision to move, contact Brad Korb who is always focused on What Matters to You.
Jesse Weinberg is widely acknowledged as one of the Los Angeles’ leading realtors, focusing on the highly competitive Westside neighborhoods. With over a decade of experience in Playa Vista, Marina Del Rey, Playa Del Rey, and Venice, Jesse is a well-recognized member of Southern California’s brokerage community. He analyzes 20-30 new properties in person each week and can locate just the right home to match any search standards or set a precise value for a sale. His background in Business Administration and a decade of sales experience results in innovative strategies that make the most of his clients’ opportunities and aid them to reach their financial goals.
Jesse’s track record is unrivaled – he has sold more properties in Marina del Rey than any other agent for the last 5 years in a row! He believes that every client and every property is different, yet his goal remains the same: to surpass expectations in the course of a transaction as he works toward a preferred price and time frame. A Licensed Real Estate Agent at Keller Williams Realty, Jesse and his skilled team of realtors have built a thriving real estate empire. Jesse Weinberg & Associates delivers impeccable service and has effectively sold and leased more than 600 properties in the last decade with a very high customer service rating. The team has represented over 700 sales and 300 lease transactions – directly benefiting their clients by saving them time and money. The seasoned real estate experts provide a robust database of skilled buyers, sellers, landlords, and tenants to the clients, resulting in a seamless offer-to-close process, shorter listing periods, and access to off-market opportunities. Jesse’s passion for real estate has earned him the following:
His specialties include Buyer’s Agent, Listing Agent, and Property Management. His loyalty and amiable attitude have led to a network of repeat and referral business. He is well-read and keeps up with the latest market trends and economic news. His transaction volume each and every year surpasses the last!
Danny brings over two decades of experience to every transaction, where he focuses in the Greater Los Angeles area from Downtown to the beaches, North Hollywood, West Hollywood, Beverly Hills and everything in-between. As a motivated Realtor and Associate Manager, his proficiency has led to a lucrative and productive sales career with special emphasis on single family and condominium sales. Danny and his team always look out for clients’ best interest and deliver exceptional customer service in all areas such as marketing, escrow, and inspections. A consistent leader and a top sales producer, Danny is in the top 2% of all Coldwell Banker agents countrywide. Before moving to Coldwell Banker, he held a position as a commercial real estate agent with Silverstone Development Group, focusing on sales and leasing of commercial properties.
Danny accomplishes his goals by ensuring each property has a separate Business Plan on how, why, and to whom he is going to sell to. “It is specific, targeted and deliberate. Our specialization and full Business Plan marketing approach to selling property is a dedicated approach that is effective and relevant in today’s real estate market. We consistently win recognition from our peers and earn accolades from our Clients,” says Danny. His specialties include Representing Buyers, Representing Sellers, First-Time Buyers, Short Sales, Foreclosures, Relocations, Luxury Properties, Commercial Real Estate, Rentals, Condos, Resorts and Second Homes, Lease-to-Owns, Investment Properties, and Appraisals. His sprawling network, unmatched client service, outstanding sales production, and proven marketing tactics have made him recognized by Coldwell Banker from 1996-2012.
An Alumnus from Santa Monica College, Danny’s interests include reading and jogging. His professional appearance, integrity, communication and negotiating skills would ensure you a smooth and stress-free sale or purchase. “Relationships are about connecting, and I invite you to contact me about your real estate needs”.
Selecting a right real estate agent is the first step in purchasing or selling a home. Fredy Rodriguez has been a licensed real estate agent in California for 15 years and is present with Fanthom Realty. Fredy’s coverage area includes Cathedral City, Coachella, Desert Hot Springs, Indio, Palm Desert, Coachella, Garnet, Palm Springs, and Thousand Palms. A top real estate agent listing website ranks Fredy as one of the top 2% of agents in Cathedral City for effectively selling homes and as one of the top 8% of agents for single family homes. “From suggesting mortgage lenders to explaining signing papers, I am here to make this normally daunting experience a smooth and successful transaction. My goal is to assist you in finding that perfect home.” Whether you want a big backyard or a 3-car garage, Fredy and his team find you that special property.
One of Fanthom Realty’s leading realtors, Fredy is recognized as a hardworking and trustworthy individual whose passion is to assist his clients in real estate transactions from inception to conclusion. Through his hard work and willingness to learn, he continues to beat his own records, year after year. His specialties include short sales, foreclosure, buyer’s agent, first-time buyers, and investors; financial (loans), and life insurance. Equipped with sufficient knowledge and expertise, he has received several awards and recognition such as:
Fredy’s credentials and certifications include the following:
An alumnus of Palm Desert Community College, he is interested in networking with other realtors and seeking clients to assist them in the home buying and selling process. Fredy runs by his slogan “Under Promise and Under Delivery”. His only purpose is to earn referrals which are the life of his business. Contact Fredy Rodriguez if you have any questions or concerns about financing options, current listings, or the market in general.
Lynette Williams has been a full-time real estate expert since 1997. As a practicing attorney, she specializes in real estate sales, development, and construction. Her other areas of practice include estate planning, contracts, and business structures. Her previous experience as a financial analyst, an insurance agent, and marketing coordinator gives her the talent to assess your real estate needs including financial analysis, tax strategies, legal ramifications, insurance requirements, and marketing strategies. She has also served as an officer in the United States Army. A graduate of the University of Florida and the University of Florida College of Law, Lynette’s goal is to offer the first-class service and build long-standing relationships with her clients. She works meticulously with the highest standards of professionalism to serve her clients’ needs. By implementing new tools and techniques and incorporating innovative concepts, she assists her clients to get the most of their home in the minimum possible time.
Lynette’s real estate record epitomizes her commitment to her clients. She has a record of selling more than 97% of all her listings with them being on the market an average of 19 days. 51% of all her sales have come from listings. She is equally dedicated to working with first-time buyers and buyers moving from their present homes. She especially comprehends the needs of the first-time homebuyers and is focused on their long-term real estate dreams. While most realtors look for new business from the general public, Lynette focuses her time on her existing clients and referrals. She has obtained the following designations and certifications:
Lynette lives in the Los Angeles and loves going to movies, flying airplanes, real estate investing, rehabbing properties, reading photography, concerts, plays, and dining out. She is a member of the Beverly Hills/Greater Los Angeles Association of Realtors, National Association of Realtors, Los Angeles Bar Association, Toastmasters Int’l, and the California State Bar Association. Lynette is also involved with the 99s Club and the Los Angeles Area Chamber of Commerce.
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Just the decision to take the task of building a home into your own hands can be daunting, keep aside the fact that liabilities are now yours alone to deal with. The joy of being there every step of the way and having a say in every brick, beam, and wall comes with a lot of responsibility. The smallest of injuries on site to a worker, accidental falls, natural disasters and other unforeseen circumstances can put your budget off by thousands of dollars.
Time is a factor as well, having the plan pushed back by weeks, if not months; time and money that you cannot get back. Such accidents are what makes it prudent for you to invest in structural insurance, warranty and legal coverage for all the essentials.
Structural insurance functions within the parameters of Builders Insurance and Site Insurance, covering claims regarding the foundation and architectural framework of the building, as well as the integrity of the site it is built on.
As the percentage of self-built homes increase in the US, numerous companies now offer a comprehensive list of structural insurance for homes built without the assistance of building agencies.
If narrowed down to just structural claims, structural insurance covers the claim of any structural defects in a home for a fixed number of years after it is built. Often certain companies have a secondary set of rules, pertaining to the fact that the claim will only kick in 7 to 10 years after the house is completed.
That being said, structural insurance usually comes hand in hand with site and builders insurance as well, both essential and usually synonymous with structural insurance.
Site insurance is offered to builders as well as individuals who have purchased land and intend to construct. It not only covers any natural disaster-related damage – fire, storm, flood – to the land, but also the temporary structures on it. The coverage puts aside a certain sum to take care of any unforeseen circumstances that may cause huts, caravans, tools and the building under construction itself to be partially or wholly damaged.
Certain insurance companies not only take care of the monetary side of things but also offer services to clean, repair and bring back the space to its former state.
In recent times, Builder’s Insurance has become a must for self-built structures, especially since it establishes a sense of trust between the homeowner and the bank or builder who is offering monetary assistance.
Builder’s insurance acts as the umbrella under which site and structural insurance fall, but often companies do cater to individual needs by offering them separately. These insurance policies even accommodate for theft of tools and valuables from the site, but usually, put a limit of the claim. That being said, it is important to pick appropriate coverage plans and not under or over-insure your property.
Allowing delays and pushbacks, any building or structural insurance for individuals who are constructing on their own extend to 18 months, as opposed to the usual 12-month coverage given for builders.
Building a home isn’t only about the structure and integrity. Along each step of the way, you have to be aware of not only accidents and loss that are beyond your control, but also any harm that the process may cause to workers, the public and adjacent private and public property.
As a homeowner, you are liable if any of your workers are injured during the course of construction, or even if they fall ill due to toxic substance exposure while they worked for you.
Even a trespasser walking into property can have a legal claim if he or she is injured due to any improper construction methods.
Damage to surrounding property can be another reason you are faced with a very large bill for compensation. Everything from a falling tree branch to heavy machinery vibrations that may cause harm to adjacent structures can be seen as cause for a lawsuit. Most often, such damage is seen to happen during the time when your foundation is being set, causing worry about underground water sources and support extending below the ground of other buildings in the area.
Besides structural and builder’s insurance, warranty extends the coverage, claims, and care for years after the home is built – taking care of issues and damage that insurance does not address. While insurance deals with unforeseen circumstances and matters that were out of your control, Home Warranty offers solace when you need to deal with maintenance, repair, and replacement due to general wear and tear.
Usually put in place for a period of ten years, Structural Warranty covers defects in the foundation, load-bearing walls, beams, pillars and sometimes even wiring and plumbing systems. Not only does it keep you worry free, it also assures that any negligence on the part of the contractor is covered for without conflict.
Here’s a write up about top home warranty companies in New Jersey. Now all you need to do is scroll through the list of companies, visit our site for a free quote and user reviews to pick your home warranty! We guarantee you that you’ll find that it is very useful!
Located in the Northeastern and Middle Atlantic regions of U.S.A, New Jersey is indeed a popular state. Fondly called as the Garden State of America, NJ has much to offer for its residents. No matter where in New Jersey you are, if you are a homeowner, your primary concern would be caring for your family and your home. Like most homeowners, it’s natural that you’ll worry about the expenses of repairing unexpected damages and replacements of your household appliances.
So here’s our list of top home warranty companies in NJ based on user reviews and ratings-
These companies have been around for several years and are on this list because of the feedback they have received on our site from their customers. Take a detailed look at each one of ‘em!
American Home Shield or AHS as it’s commonly called, is a company that founded the home warranty industry. Naturally, this is a company with unparalleled experience and a nationwide footprint. AHS also has a massive contractor network where every single technician is selected after a stringent screening process.
AHs offers plans that are designed to suit the needs of homeowners, Realtors, buyers and sellers alike. Their plans are reasonably priced and standard plans start from as low as $250 every year. The company also has an online claims facility and a customer service facility that runs around the clock.
Yet another popular home warranty company in NJ is the Home Service Club (HSC). This too is yet another company with nationwide footprint and with coverage in over 48 states. HSC too screens each technician in their contractor network and follow up with the customers to ensure that they are satisfied with the services.
HSC’s plans start from $400 annually and the deductibles are charged between $65 to $125. Warranty purchases can be made through their website which also has the facilities to allow homeowners track their account. Online claims can be made just as easily as claims can be made with their round the clock customer care service.
Headquartered in NJ, Select Home Warranty is one company which has plans to cover anything from rental properties to mobile homes and condo units. They have three main warranty plans which vary in the extend of coverage and comes at affordable prices. This is one company that does not place an age restriction on the house or mandate a home inspection prior to purchasing a plan.
Select Home Warranty’s plans start at $299 annually and the average deductible is charged at $45 per service visit. Customers can purchase plans through their website and even place claims online to schedule to a repair.
This is a company with close to 30 years experience in selling warranty products. Like the others on this list, HSA too offers competitive plans at compelling prices to its customers. More than just home warranty plans, the company also has a host of other services and even a newsletter for homeowners, sellers, buyers and real estate agents.
Annual premium for plans sold by HSA range between $589 – $619. The deductible varies depending on the kind of plan you chose but is usually between $50 – $100. HSA too has a 24/7 claims facility and also the facility to place claims through their website.
Choice Home Warranty is a popular choice among NJ homeowners owing to their comprehensive warranty plans and affordable pricing policies. With policies that will add to the value of your home, CHW has managed to garner a lot of positive feedback from their customers.
Standard plans are available at premiums ranging from $370 – $450. Deductibles are charged starting at $60. CHW too has an online claims facility and has a massive network of skilled, licensed and experienced technicians ready to be dispatched when claims come in.
This list has been prepared based on actual user reviews submitted on our site. Therefore, there is a good chance that we may have missed out on an awesome company due to insufficient reviews. We welcome inputs from readers based in NJ to know more about companies there. Do let us know what you think. Also, you can take a look at top home warranty companies in various states across U.S.A. Cheers!