Do I Need Home Warranty?

Not every home needs home warranty coverage. So, as a homeowner, you should get appliance warranty plans if only it makes financial and practical sense.

Home Warranty is a appliance repair contract which takes care of repairs of electrical, plumbing and appliances inside the home. You will pay an annual premium (in the range of $300 to $500) in advance for repair or servicing of most important appliances in your home.Do I need Home Warranty?

If you don’t have a plan in place and wondering what would it cost, get an estimate on home warranty for your house.

If you are an existing homeowner, appliance warranty simply provides peace of mind. It protects your pocket from expensive repairs. If something breaks down, you will place a call to the service provider and they will repair or replace the system within a reasonable timeframe.

If your house is more than 5 years old, you are likely to encounter many repair issues. So, it is a good idea to have home warranty insurance unless you have time and money at your disposal and you like fixing things around.

Imagine your air conditioner or heating unit breaks down and you need to replace the old unit. It may cost anywhere from $6,000 to $14,000 to replace. If you have warranty contract, it would be the service provider’s responsibility to replace the unit.

For a lot of people purchasing a home for the first time, the issue of home warranty arises before completing the transaction. Is this type of protection plan truly necessary?

Benefits of Home Warranty Insurance

Benefits of Home Warranty

The new home buyers have fears when procuring a home and fairly so. They do not want to come across a major repair bill soon after purchasing their new home. In order to ease these fears, real estate agents at times offer home warranty insurance to help close the deal. Most of the times they may have the seller pay this or they might even shell out it themselves. The average price for this is $300-$500 a year.

So now you can be sure, it will be purchased at the lowest costs for one year. After all, this is just a concession to help you relax with your worries and close on the house. So in your mind, if it’s FREE then go ahead and take them up on the contract. Or, you can decide the provider and see if they will employ the company you suggest.

Now, you should keep a few things in mind.

First of all, you get what you shell out. Second, most of the home warranty firms are not reputable. Many among them have a record of complaints and displeased clients. So be careful while choosing a reputable company as it requires exhaustive research.

How Does a Home Warranty Protection Plan Work?

If any of your appliances such as garbage disposal, washing machine or heating and cooling systems malfunction or break down, all you have to do is call up the home warranty company which will arrange a technician to come by your home to fix the problem. Most companies have a service call fee that is called as a deductible and will normally charge you about $60 to $100. There are a handful of home warranty companies that offer zero ($0) deductible as well.

Should I Purchase Home Warranty?

Purchase home warranty if any one of the following is true:

  1. You have appliances that are getting old
  2. Your house is more than 5 years old
  3. You do not have time and patience to get the repair done yourself
  4. You do not have a trusted contractor and you do not want to go through the pain of cold calling contractors from Yellow Pages, screening them, getting quotes, and checking their work.
  5. You do not have cash cushion to handle costly repairs
  6. You are buying a home for the first time.

If you are are a first time home buyer, you should definitely get some kind of coverage. New home owners are generally short of money, so the risk of having to pay for a pricey HVAC repair is just too much for them to manage. Having to mend or restore a heating and cooling system could cost thousands of dollars.

So, What Should You Know about Home Warranty?

Top reasons to buy Home Warranty

Firstly you must know precisely what is covered and broad this coverage is.

The short list of coverage is:

  • Inside Electrical System
  • Appliances
  • Heating and Air Conditioning
  • Interior Plumbing not including the Fixtures

How much does it cost ?

Price depends on the type of coverage and also on the city you live in. If you would like to know how much would it cost to get a service contract, choose one of the Top Rated Home Warranty Companies and request a price estimate.

Your work will be to find out how much coverage you have and for how long. You must comprehend that there are various levels of coverage. In some cases they may cover the furnace but not the air conditioning outside. You have to ask and need to understand.

Before you buy, you need to be acquainted with the reputation of the company. You can check home warranty reviews on our site and shortlist few good companies. Almost all of the companies will have some complaints, but you should look how many they have and are they determined.

One thing about this type of protection plan is that the warranty companies are interested in repairing, rather than replacing your appliance in most cases. In most cases, they will service the units only if the fault is due to regular wear and tear conditions. If the units are poorly maintained, then they may not repair. One more thing you need to be cautious for is “pre-existing defects or deficiencies” since these are not covered. You will discover that almost all home warranty companies won’t allow the policy to take effect unless you have stayed in the house for at least 30 days.

The good thing about having home warranty insurance is that it can give you calmness since you are likely stretched out on the budget anyway. The final thing you want is to have an appliance or a furnace go away in the first year after moving in.

The Bottom Line

For older homes, it is a “no-brainer” choice. But before buying a home service contract, homeowners should study the fine print in the home warranty contract and cautiously think whether the warranty is going to pay off. Home sellers who want to provide a warranty to buyers and homeowners/buyers who would feel more relaxed having a home warranty should also carefully investigate to find a reputable home warranty company that will in fact pay for genuine repairs when they are desirable.





Heating and air conditioning units make us feel nice and comfy. No matter what the temperature is outside, whether it’s too hot or too cold, HVAC units help us relax inside our homes. So, as owners of HVAC systems, we want to keep our heating and air conditioning units in good working condition. To do that correctly typically involves regular maintenance and occasional repairs.

There are times when we make mistakes though, some of those being very common. Making mistakes with the maintenance of HVAC systems will typically reduce those systems’ performance and efficiency. We all make mistakes. But, how we handle them is the crucial thing.

In order to correct these mistakes, you first need to know what is going wrong. To help you out, we have covered the most common mistakes that HVAC owners make. After learning about these you should know what to avoid, while effectively dealing with your HVAC units.

Common Mistakes HVAC Owners Make

1. Old HVAC units

Like all other mechanical systems, the performance of HVAC units reduces with time.  But if you maintain your HVAC system properly it does tend to work well longer. People often ignore this fact. Moreover, older HVAC systems are not equipped with the modern technology. Their construction and optimal efficiency become obsolete over time. Because of this fact some homeowners trade an older system for a newer one rather than dumping good money into costly repairs up system upgrades.

2. Playing with the HVAC settings

Many people constantly change the settings of their HVAC systems. They fiddle with the controls and settings of their HVAC systems, day in and day out. But they don’t realize that, this can harm the overall performance and efficiency of their HVAC units. It is recommended that you set your HVAC systems to a particular setting, which will work for all temperatures. The settings should remain stable. This way the HVAC unit will adapt to your comfort level. You can also adopt other measures to control the temperature of your home. For instance, in winters, you can add another layer of clothing or use a blanket to keep yourself warm, instead of changing the settings of your heating unit.

3. Continuously running your HVAC systems

Some people continuously run their HVAC units. Some homeowners leave their air conditioning and heating units on when they go out so that when they return home they can find their homes at the preferred temperature. In extreme heat or cold this approach to maintaining a constant, comfortable temperature may take a toll on your HVAC system. It also uses a lot more energy, resulting in huge electricity bills. Instead of this approach you might find a tolerable temperature and maintain that until you return home. Or you can opt for a programmable HVAC system with time-specific temperature controlling options. Such units allow you to pre-program the settings and govern how your HVAC unit operates when you are not at home so that when you arrive home you can feel comfortable without constantly running your HVAC unit.

4. Choosing the wrong temperature for the time of year

Keeping only one particular setting of your HVAC system throughout the year is also not good. Seasonal high temperatures or low temperatures can put excessive stress on the system. Keeping your home around 72 degrees Fahrenheit may be desirable, but it may not be ideal year round from the point of view of maintaining your HVAC system. If you are not sure of the temperature that is safest to maintain for your particular system at various times of year you should ask the company or technician maintaining your system for that advice.

5. Forgetting the V in HVAC

Yes, many people forget about the crucial V in HVAC. The V stands for ventilation. People oftentimes overlook the IAQ (Indoor Air Quality) of their homes. Kitchens and bathrooms are the most common places in a house that may be poorly ventilated. Depending on your region’s climate your house may suffer from high humidity in addition to having ventilation issues. Such homes require mechanical systems to deal with excess humidity. Excess humidity can cause your system to work much harder than is ideal for its expected operational life. And improper ventilation, even without extra moisture in the air can seriously affect the performance of the system. Make sure that your HVAC units incorporate adequate ventilation with the 3 essential pressures– positive, negative, and balanced pressure.

6. All HVAC systems are not created equal

Every house has a different structure and architecture. Modern homes tend to be much larger than ones from the past. HVAC systems have also changed. But you should never assume that the HVAC system in your home is the exact match to your home size and other unique factors. If you never seem to find a comfortable balance between the indoor temperature and the electric bill you may want to speak with an HVAC professional. Make sure that your HVAC unit or units are sized properly. And don’t skimp on costs at this point. Going with the best HVAC service and sales outlet in your area is wise.

7. Forgoing annual HVAC inspections

People often ignore the fact that they need to call on professionals once in a while, for maintaining and repairing their HVAC units. Remember to schedule an appointment with an HVAC technician, at least once each year, in order to ensure proper functioning of your HVAC unit. Twice per year may be better, and your local service company may offer pre-paid plans with discounts for paying in advance. Paying in advance may also help to avoid forgetting to schedule the service calls. And don’t fall into the trap of trying to save money at the expense of the longevity of your HVAC system. You get what you pay for. You might save some money by choosing the cheapest HVAC service contractor, but spend a lot more when the system starts to break down due to cheap parts, cheap filters or improper maintenance.

We hope you have learned a few valuable things here. Owning a home can be a daunting task when you really start to recognize all the details involved in maintaining it. But even when you don’t know a lot personally about the house or its systems you can always save yourself future problems by having a trusted professional to give advice and to do the actual work needed to maintain things around the house. For the HVAC system there is no substitute for a great company or individual contractor, one with a good reputation in your area. Ask your friends or family members if you aren’t sure which company to choose. And just as this website provides reviews for home warranty companies, you can find great websites that you can trust which have thousands of reviews on HVAC installation and service companies.




Usually, appliances last for several years, mainly when they are properly maintained. Adequate maintenance actually brings down faulty function incidents considerably. When household appliances no longer work, you have two alternatives. You could either substitute it or repair it. In order to make the right decision, many points have to be kept in mind. Firstly, make sure your commercial appliance’s age and warranty period. If the particular warranty period continues, your repair could fee you nothing, or much less than what you suppose to pay otherwise.

The Cost of Appliance Repair – Are they worth Repairing?

Average appliance repair costs

Assuming that the warranty period is over and consequently repair shall be pricey, then you certainly must consider a few points. You must begin with obtaining estimates and quotes from no less than four different service providers. If the cost is about 50% of the cost of a new appliance then it is worth getting the repair done. If not, it would make more sense to just upgrade to a newer model. An amazingly old kitchen appliance may give you the situation of hard-to-find spare parts. Your repair guy might have a tough time discovering suitable appliance parts and he could charge extra for that too.

Getting original parts to be substituted by spare alternatives is not a very good idea. There are high chances of making more troubles than answers. Even if it does not prove to be a fix, you will face stumbling blocks later on. Throw away your appliance and get yourself a new one instead. New models from reputable warranty companies tend to be more energy-efficient and reasonable. By employing environmentally friendly commercial appliances in your business, you will also be promoting goodwill and sales among your patrons. It also transforms to lower energy expenses and more savings. The extra cost will surely be justified over the years.

How Much Does Replacing or Repairing an Appliance Cost?

Commercial appliance repair service is normally billed for on hourly basis. Average hourly rates for the first half an hour could vary between $50- $70. After that, for any subsequent moment block the rates will be a few dollars less per half hour. On average, if you are a regular customer of a company, you can anticipate to pay 10$-20$ per hour for time slots from your technician. Lower rates are charged if your appliance is delivered to the provider shop and the technician did not have to go onsite for the repair. Sometimes based on the complexity of the job, the rate will vary. This will usually adjust in benefit of the client as then, the duration of time taken for repair is not of importance. The person will not be anxious about being charged too much.

When calling your repair services call center or offices, bear in mind that ‘overtime calls, i.e. the calls taken after business hours, on holidays, and on weekends, will naturally cost you extra. In fact, charges might even be as much as 25% over. Thus, take thin in account. If the repair is not an emergency, calling for an urgent ‘overtime repair’ is not a very smart idea.

A Pre-Owned Home Warranty Can Protect You From Costly Repairs

If you are most consumers, you would not even consider buying a new or pre-owned car without some type of warranty. So why would you purchase a home without similar protection? Well, the simple answer is the majority of people just don’t know that home warranties exist. But as home sales are rising, buyers are negotiating for the best possible deals and sellers are seeking for advantages to make their home more pleasing. As a result, home warranties are rapidly becoming part of home sale transactions on both sides.

What is a Home Warranty

Get Covered!

A typical pre-owned home warranty is a service agreement provided to the sellers and/or buyers all through the sale of a home that protects the home’s essential mechanical systems and appliances. Usually, home warranties protect sellers and new homeowners from repair and/or replacement costs that are not covered by their homeowners’ insurance. While specific coverage differs, some of the most common items covered are the water heater, HVAC system, plumbing and electrical system.

Cost to Repair Appliances 2012

According to Homewyse, in 2012 the average cost to Repair Appliances varies from $184.63 to $242.40 per each appliance.

Your cost depends on material costs and local labor, level of preparation, finishes quality and job complexity.

Cost to Repair Appliances – General Information

The cost estimate includes:

  • Costs to material delivery and service provider transportation to and from the job site
  • Costs to set up the worksite for Appliance Repair, together with costs to project existing finishes, components and materials
  • Costs for site cleaning and debris removal once work is complete
  • Costs for machinery or tools to complete the Appliance Repair
  • Costs for tools or machinery used to complete the Appliance Repair

The cost estimate does not include:

  • Cost to modify or add present electrical, plumbing or HVAC systems
  • General contractor charge fees for directing and managing the Appliance Repair. You would expect 12.3% to 19% to the total cost if a general contractor supervises the project

Appliance Maintenance

The following list comprises major work tasks commonly performed during Appliance Maintenance.
Make use of this list to know the timing and sequence of different steps in the Appliance Maintenance project.

Example:

The table mentioned below is provided by Homewyse which is a vendor neutral, comprehensive online reference for the home. It is published by competent home design and construction professionals who seek to produce a “level playing field” for trade professionals and consumers. By relevant professional knowledge and expert insight which is easily accessible to the average homeowner, Homewyse facilitates effective decision making in all matters related to home.

Task Service Provider Duration Do-it-yourself difficulty Target Cost 
Install Electric Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $513 – $932
Install Gas Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $583 – $1,062
Install Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Range Appliance Service and Repair Technician 1 d Level 2 – Challenging $895 – $1,643
Install Vent Hood Appliance Service and Repair Technician 1 d Level 2 – Challenging $445 – $811
Install Washing Machine Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $695 – $1,273
Replace Washing Machine Appliance Service and Repair Technician 1 d Level 2 – Challenging $695 – $1,273
Install Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $70 – $117
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Repair Appliances Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dishwasher Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dryer Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Refrigerator Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Replace Built-In Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $1,820 – $3,354
Replace Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Waste Disposal Plumber 1 d Level 2 – Challenging $105 – $175
Install Ice Maker Plumber 1 d Level 2 – Challenging $230 – $407
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Install Garbage Disposal Plumber 1 d Level 3 – Complex, Difficult $250 – $444



Extended warranty sometimes also called as a maintenance or service agreement, is a prolonged warranty given to customers who wish to insure their fairly new devices. They are not always provided by the manufacturer and are usually procured along with or as and when the manufacturer’s warranty expires.

Such extended service agreements are often purchased for gadgets and appliances that don’t come under Home warranty. Eg. laptops, TV, desktop computers. They can be purchased over an existing manufacturer’s warranty so that damages due to accidents are also covered.  They cover repairs and replacements of the insured device for a fixed period of time, which is usually around 2-3 years.

Do I need extended warranty?

If you are wondering whether you need an extended appliance protection plans or not, consider this –

You have a reasonably new device which cost you a lot. It is still covered by it’s manufacturer’s warranty but you are not certain if that will be enough. You fear that accidental damages may occur and you cannot afford to repair or replace the device if it happens. If this is what is going through your head, we recommend that you purchase an extended warranty.

There are quite a few advantages that make you want to consider buying an extended appliance protection plans. Here are a few of them:

  • Extended warranty agrees to repair or replace your appliances if it breaks down after the manufacturer’s warranty expires.
  • They cover most of the electrical and mechanical damages.
  • You may never have to claim anything on your manufacturer’s warranty as the chances of a device failing in the first 12 months of it’s life are low.
  • They are easy to acquire and they give you peace of mind.
  • Almost all major appliances can be covered with an extended warranty.

Although, the advantages may seem great, some experts have the opinion that extended warranty is a waste of money. This is because a decent appliance/gadget manufactured by a reputable company stands very little chance to fail in the first 2 years. It has been noted that retailers make huge profits from extended protection plans as very few consumers claim them.

Also, when it comes to electronic gadgets, it sometimes makes more sense in replacing it with a new one rather than repairing the damaged one. These days you can get a DVD player for around $30, so why then would you spend $20 repairing your damaged DVD player?

Technology is advancing at a very fast pace, unless your device is precious and expensive, we suggest that you think twice and explore a few options before you purchase extended warranty.

You may want to look at the repair rates of the various gadgets in the first 3 years of their lives and then decide if you need to go for an extended protection plan. However, the same cannot be said of Home Warranty, which is always recommended for most homes.

If you feel you don’t need an extended warranty as your appliances are 4+ years old, the best option for you would be a Home Warranty. Find out more about Home Warranty and Home Warranty Companies!

Buying Extended WarrantySource: CBS News

Extended Warranty vs. Home Warranty

extended warranty vs home warranty

Things to keep in mind

While you consider purchasing an extended warranty, ensure that you contemplate on all the points that follow.

  • Contract Terms and Conditions

Make sure that you know how the plan works. Read through the terms and conditions mentioned in both the contract as well as the policy booklet. Understand what damages are covered and what damages are omitted.

  • Term of coverage

All extended warranties do not have the same duration of coverage. The term can vary anywhere between 6 months to 3 years. Be clear on this.

  • Extra charges

Beware of this one. In certain cases you will have to ship your damaged gadget to some other location. If this happens you will have to pay the shipping charges. Not only this, there could be several cases where you will have to spend extra money in addition to the amount you pay for availing the warranty. You can speak to the retailer to clear any doubts you have regarding this.

  • Comparison shopping

A lot of warranty companies are out there that sell extended warranty. Sometimes  it makes sense to consider a few options before you jump into a decision and purchase extended warranty from the retailer. Some companies offer plans that cover a group of devices instead of a single device. These may be much more profitable that purchasing one warranty for a single gadget.

  • Credit card benefits

Before you purchase an extended warranty, check with the bank issuing your credit card to know if you are automatically entitled to an extended warranty if you make a purchase with the card. In certain cases, platinum and gold cards offer this feature to customers.

Getting an extended warranty is not a bad idea. However we urge you to go through everything carefully before you purchase an extended warranty from the retailer. Extended warranties, like we said are only for a single appliance/gadget. While they are not pricey as such, sometimes, for homeowners with ageing appliances find Home Warranty plans more ideal. They are affordable and cover a host of appliances and not just a single one. If you think, an appliance warranty plan is what you need, take a look at the top 10 home warranty companies in the U.S.A. Good luck!




Green Landscaping is a new trend of sorts and it causes the least harm to our nature so I suggest that you read on. You might already know that Landscaping is essentially the practice of improving the aesthetic appearance of a confined or set area by making use of colors, contours, trees, or plants, you name it. Altering the visible features of an area immensely influences the emotions of the people who constantly occupy that area.

Green landscaping

Over the years, Landscaping has become more than a hobby to many. With the rising amount of pollution and falling levels of energy resources, you may want to consider an alternate way of Landscaping. Why not adopt a method that will not only make your yard stunningly beautiful, but will also help you save the environment and conserve energy too?

That’s what Green Landscaping is all about. Green landscaping, also called as sustainable or eco-landscaping makes use of methods that do not harm the environment in any way. It uses less water, protects the natural vegetation by making use of native or naturalized species, manages the waste disposal efficiently and also optimizes energy usage. And guess what? The costs are much lower too! On the whole it offers healthier and inspirational spaces to people.

People who take up Green Landscaping are often called Green Landscapers, and trust me when I say this, they are not lazy, jobless people who took to Green Landscaping just to kill time. They are highly motivated and they don’t take environmental issues lightly. Green Landscapers treat their designs the way other people would treat Home Insurance, everything must be covered. Based on reading so far, if you genuinely want to start one on your own, do read the rest of the article.

Planning Green Landscape

1. Assess your property

Begin by assessing the site where you plan to start your green landscaping activity. Pay attention to the following:

  • Type of soil– Your soil could be acidic or alkaline. In certain cases soil may contain small amounts of lead, this could be dangerous if your little ones play in it. It is suggested that you get your soil checked. You can call the following number for details – National Lead Information Center at 1-800-424-LEAD
  • Location– Inspect the other details of your site. Determine the amount of sunlight received, mark areas where underground utilities and overhead power supplies are present. Note the shape and size of the property and try to convert that into a map on paper.

2. Research and Plan

  • Brainstorm– Decide what you want your yard to be. It could be a play area, outdoor dining or maybe a bubble to save you from the rest of the world. It’s your choice and it could be anything. However if you plan to start anything that primarily involves plants and vegetation, you should make sure that your site receives ample sunlight. You can also mark the areas that do receive sunlight and use them exclusively for vegetation.
  • Research– If you already have some vegetation there, try to do some research to identify what species they are. It is also suggested that you identify what plants grow in your soil. If you wish to attract a special kind of wildlife, study their behavior and decide what should be put up so that they would flock into your garden.
  • Plan– Once you have gathered all the information, draw up a map and start working on it by breaking it down into manageable parts.

Creating a Green Landscape

The most basic form of Green Landscaping requires minimum effort. All you have to do is reduce the amount of solid waste and conserve water. Eg, you could simply create a compost pile instead of bagging your twigs and leaves.

Don’t see what’s the fun in the idea you just read above? Fair enough, here are some elaborate methods

  • Go green: Since Green Landscaping essentially involves plants ( thats’ a no brainer), make sure you have plenty of them. If there isn’t enough native vegetation, you could plant some after determining the behavior of your soil.
  • Restore drainage conditions: All plants require moisture to thrive well. However excess water may cause them to rot. So it is important that water does not collect at the base of your plants. If you want to incorporate a method that saves water you could try to water your lawn less during summer. You see, grass are programmed in a way that allows them a certain period of dormancy during the summer heat.
  • Promoting soil chemistry and biota: Plants are the keystone species in any garden. What you plant should not contradict the natural ecological profile. If you have your keystone species in place, everything will turn out right.
  • Say no to chemicals: Reduce or better totally avoid the use of chemical fertilizers in your garden. These chemicals tend to pollute the soil, water and air around you. You can always use compost instead. However if you are adamant that you need fertilizers, make sure you use them during fall and spring only. That’s the time it is most beneficial to plants.
  • Reduce emissions: I’ve heard the EPA say that lawn mowers, snow blowers, leaf vacuums and chainsaws are major contributors to the rising pollution. Try to use them as little as possible. You can try shifting to electrically powered tools. This will only reduce pollution as electrical tools also produce emissions. The best way out of this is to use manual tools. It will make sure that no emissions are involved and will also give you some amount of physical exercise. You can cut your gym bills by doing this one.
  • Waste not, Want not: As mentioned before never dispose off your solid plant wastes. They can be the best of fertilizers once they decay. Also avoid throwing around clipped grass and leaves, they can be major sources of water pollution. Recycle your garden pots and flats whenever you can. Try to share large tools with your neighbors. Most importantly save and conserve as much water as you can. Place rain barrels in your yard if you live in a region that receives ample rainfall.

The Bottom-line

 If  I were to write down all the details about green landscaping, I would easily use up an entire hard-disk (of one TB). It is not an easy task, but once you can get into the flow of it, it will be easy and highly rewarding. With the current rate of  fuel consumption, our environment is dying out fast. Nobody wishes to leave behind rotten goods for their children. Do what you can to save nature. Let’s adopt Green Landscaping and make this world a better place to live in.

 




Home Warranty vs Home builder WarrantyHow is a home builder’s warranty different from a home warranty service plan? If you are concerned about protecting your valuable investment with a home warranty policy, but are uncertain about what to select, read on to discover their unique features.

Many different real estate terms cause confusion as they sound like they are talking about the same thing, but in actuality are talking about very different things. Home warranties and home builder warranty are two of those things. They both offer safety for you and your home, but in very different ways. In fact, if a buyer has a warranty on a house, it can be a benefit in selling a home.

Home warranties are often supplied by builder. Builder warranties give peace of mind to buyers of newly constructed homes. After all, no one wants to have purchased a home riddled with defects. Sellers of existing homes may take in a warranty with the sale to push a would-be buyer into a purchase. In fact, if a buyer has a warranty on a house, it can be an advantage in selling a home since the warranty is movable.

What’s Covered?

Every homeowner seeks the same thing: peace of mind and the security of knowing that if anything hit in the night, all it will take is one phone call to have it looked after. In an ideal world, there would be one all-complete home warranty to tackle all potential worries; ranging from severe damage brought on by natural disasters to the breakdown of one your favorite household appliances. But the you do not reside in a perfect world. So you have to make a choice and wish for the best.

Two specific types of home warranty services can deal with your needs. You have choices.

The differences between the home builder warranty and the independent home warranty service will deal with two sets of criteria: the main difference is this: a home builder warranty usually provides coverage against major structural defects while the independent home warranty includes plans that cover your household appliances and systems. That said, it’s important to comprehend what that entails. The most important thing you can do ahead of making this investment is to study the terms and conditions of each and carefully understand the significance of their meaning.

Read the Fine Print!

Home Builder Warranty Vs Home WarrantyIf you go through the fine print of most home builder warranties, you will find out that the coverage under the policy is limited to providing protection against key structural defects of the “load bearing” portions of the home. “Non load-bearing” items which are excluded from the coverage include the range from HVAC, certain wall tiles and coverings, appliances, exterior finishing, some plumbing and electrical and others.

When the repair or substitution of an item under the home builder warranty is agreed, matching the repair or replacement to its prior condition will be tried, but there is no guarantee that he item will be returned to like a new condition.

On the other side of the equation is the independent home warranty service. This type of warranty permits the homeowner to select and decide what components they would like to cover, with flexible plan coverage ranging from kitchen and laundry –to home office- to electrical – to-HVAc and others. You can opt for only particular items or select a comprehensive plan that covers all, with the choice of adding individual units as add-ons.

The consumer is usually rewarded for selecting the extensive plan coverage with discounted prices and a lot of many other value-added incentives, like toll-free assistance and advice that is provided 24/7/365. Another trait of the independent home warranty service is found with the service providers who promise like-kind or better replacement. Joining in a plan that makes that promise is recommended.

Keeping Out from Coverage

Taking no blunt approach to upholding your home can prevent lot of problem later on down the road that can charge a bundle. One reason why various home warranty service providers have to include exclusions from coverage into their conditions is to avoid repairing items that wouldn’t be in need of repair if they had been cared for. Fair enough, it is suggested, however, that you carefully take note of any other exclusion from coverage as detailed in the terms and conditions of your warranty policy.

The standard home builder warranty will incorporate a wide listing of exclusions from coverage, far-surpassing the case of owner neglect, which may comprise some of the following conditions:

  1. Water damage, leaking roofs and some plumbing
  2. Recreational facilities, pools, saunas
  3. Home improvements made after the Start date
  4. Any loss or damage not acted on in a timely fashion
  5. Drainage deficiencies not affecting the ‘structural integrity’ of the home
  6. Insect infestation
  7. Oversights on the part of the builder or his agents and subcontractors
  8. All work not completed by the builder
  9. Normal wear and tear
  10. Any defects resulting from natural disaster or accidents
  11. Dampness or condensation resulting from neglecting ventilation maintenance
  12. Any defects caused or aggravated by owner, occupants or guests
  13. Property damage or bodily injury resulting from structural flaws; including plumbing, heating and cooling
  14. Incidental costs acquired by owner vacating premises due to unsafe/unlivable conditions during the time of repair
  15. Chemical contamination from work done at time of construction

With the set home warranty service plan, the list of exclusions from coverage is much smaller – covering the basics, such things as insect infestation, neglect or improper maintenance of appliances and improper set up of appliances and household appliances.

Filing Claims

Reputable home warranty services are intended to provide convenience and reduce the hassle of filing a claim. Ordinarily, there will be a number to call in order to send out specialized trade service expert to your home to come assess and take care of the damage in one shot.

Filing a claim with a home builder warranty provider can offer some interesting predicaments. When filing a claim, the best thing is to proceed with caution. Expect an inspector or multiple inspectors to show up at your home in order to investigate your claim. The more articles you can present as proof of the problem, the better off you will be. These can take in reports, diagrams, reports and photos. When the determination is made for the homeowner, he/she is anticipated to sign a release giving up all rights.

Study the Arbitration Provision of your Home Builder Warranty

If your claim is denied and you cannot resolve it through the dispute resolution process with the home builder warranty providers, you may be asked to sign an arbitration provision. By doing this, you will be waiving your rights to a trial in a court of law and you may have to present your claim to an arbitration company from the home builder warranty provider’s list of listed arbitration companies.

Also, take note of the fact that many of these providers accept reports only from a list of approved construction consultants – encompassing contractors, inspection firms and others.

The Bottom Line

In total, as painful as it can be to read through the fine print of a warranty policy, it is the best way to go about picking the warranty provider who is going to deliver what is promised – and it is the most helpful way to choose either a home builder warranty or an independent home warranty service.

Preserve the quality and craftsmanship of your home and all the adored items within today and it’ll make a world of difference in your world tomorrow!




When you imagine of the four seasons, certain images instantly come to mind. For summer, its swimming pools, lawnmowers and barbecue grills. For fall, its turkeys, footballs and pumpkins. Winter is snowmen, stockings and hot chocolate. And spring? How about mop, brushes and buckets? Though the season is a sign of new birth, it’s also the time when most people take the instance to clean up.

Spring

Spring House Maintenance For You!

Once spring has sprung, take some time to give your home a check-up along with its annual spring cleaning. Adding up some home maintenance tips to your schedule can assist your house function more proficiently. Precautionary maintenance is vital to the value of your abode. Keep your place in best shape with usual check-ups to put aside the headache and cost of emergency repairs.

Like many of us, homes require a tune up after the long winter months. Everything right from the roof to the sump pump requires an once-over after the season has taken its toll. For centuries, spring has been the cleaning time of year. In America, the thought of spring cleaning has become a custom for very sensible reasons. The cold and darkness that captured you in your house all winter grow fainter and are substituted longer days and warmer weather.

With much work to do, the job might appear overwhelming. The trick is to get organized. Prepare detailed lists of each set of tasks, possibly divided by room. After that, schedule one at a time, collect your tools, and get to it. Don’t allow the sum threaten you from beginning the parts.

Spring Home Maintenance Checklist

To help you protect your most priceless asset —your home—check with these potential issues and find out how to fix them. To make things easier, download our home maintenance checklist that covers all four seasons.

Foundation, Masonry & Exterior Surfaces

  • Test out chimney for loose, deteriorated or missing mortar. Mend problems.
  • Verify floors, concrete, floors and masonry for cracking, deterioration or jam packed. Repair problems.
  • Check for the patio, deck, porch and railings and external stairs for any damage. Fix now or this summer.
  • Take away debris from downspouts and gutters. Make sure you repair the leaks.
  • Check grading for proper slope away from foundation walls. Build up soil wherever required.
  • Ensure all wood surfaces-particularly at the soil level for peeling paint, dry not and weathering. Fix now or this summer.

Roof

  • Verify for open closures, bald areas or blisters on flat roofs. Get these fixed.
  • Test out flashing around sidewalls and surface projections.
  • Check antenna wires for possible leak sources.
  • Check for any loose, missing or damaged shingles. Have these substituted.
  • Check roof louvers for plugging or damage such as bird nests.
  • Check front and soffits for damage and deterioration.
  • If ice dams were a difficulty last winter, have your garret property ventilated and insulated.

Interior

  • Check crawlspace and basement for leaking water or moisture. Pay attention to all moisture problems.
  • Replace or repair broken windows or torn screens. Substitute broken sash ropes or hold-open devices.
  • Open vents crawl spaces in basements and open vents in crawl space.
  • Check your smoke detector when you alter clocks in advance.
  • Check your home’s cooling system before summer arrives.
  • Take notice of slow drains or back-ups. If required, clean your drain pipes before a really big back-up occurs.
  • Once windows can be opened, do varnishing, interior painting or other projects where smell can be a problem.

Lawn & Landscape

  • Spring is planting time of year, and a big time to clean up the yard from the winter.
  • Plant shrubs, trees, vegetables or flowers.
  • If required, apply pre-emergent weed preventer. Fertilize lawn, if wanted.
  • Plant grass seed in bare patches.
  • Take away left-over fallen leaves, lawn debris and dead plants. Trim bushes that brush against the house.
  • Unless trees are damaged by storm, postpone tree trimming until autumn or winter when it’s better to trim trees.

Consult this comprehensive checklist for undoing winter’s damage to your home. Take care for these issues every year and your home will express thanks to you. Make sure you pay attention to other important things in your life such as reviewing your financial needs this year, ensuring you have adequate insurance coverage, health coverage etc.




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.




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.

Claim Denials for Right ReasonsHome Warranty Claim

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.

Claim Denials for Wrong Reasons

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.

Improve your Claim Approval Rates

Here’s a list of things you can do to avoid any disputes and conflicts

  • Always, we repeat ALWAYS pick a company that has a good reputation. Consider multiple options, read online reviews, talk to your friends and family, visit the company’s office if possible before you zero in on a company.
  • Never ignore the documents. Always read the policy booklet and the contract thoroughly. You can get someone to look at it as well, just to be on the safer side. Before you sign, make sure that you understand how the plan works and what is excluded and included in the coverage.
  • Pick a company that has a round the clock customer support.
  • Some companies recommend a home inspection prior to signing the contract. They do so, so that pre-existing issues can be detected. If the company does not conduct an inspection, it could be a potential problem. In future, they may deny your claim saying that it was a pre-existing issue. To save yourself, get your home inspected by a professional inspector even if the warranty company does not recommend one.

The bottom Line

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:

  • Not all feedback and stories provided by customers are completely true
  • Not all companies are rip-offs
  • Most of the unpleasant incidents reported  occur due to a lack of understanding between the customer and the warranty company.
  • Fraudulent companies exist and one must practice caution so that they don’t end up being cheated.
  • Good experiences are often unreported.

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!




Selected consumer review filed under: 2 10 Home Warranty
Author: Karen, Potomac Falls, VA
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They have chosen not to RENEW my policy!!

No reason was given as to their decision. I have been with them since I bought my home in March 2001, so now we are in 2009…I have used them for 8 years. I have also received more benefit from 2-10 then they have from me. Just in 2008 I placed 10 claims. My deductible was $85 each occurrence, could be bc I am in the higher cost of living area.

So as I ponder whether to go find a NEW home warranty company, I am not reading any reviews that say this is worth the efforts. Here is my advice…based on 8 years of using 2-10.
1) if you use a warranty company…be willing to let them define the time-line to get your repair done. To speed this up…they tell you give the contractor 24 hours to call YOU. Well…I get the work order # from the 2-10 rep. and I tell her what contractor I want to come service the unit as well and I make sure I have the tele #. Then I wait 2 hours and then call the contractor, by then they should have received the FAX from 2-10 with the work order details. This way you get a reaction from the start….same day..get that appt booked.

2) with 2-10 if I have one contractor to come fix several issues, I paid ONE $85 deductible. So if you have small minor issues, hold them till you get a big issue, call them(detail all issues) into 2-10, get is sent to a proper contractor that can fix all your appliance issues and they take 1 fee.

3) Several times, ok a unit was too much to “repair”, so 2-10 wanted to “replace” it with a “comparable” unit….so there be careful…be an educated consumer…ask them the model #, and then go online look at the features of that unit they want to install…compared to what you have. You can ask for a “buyout” if you want…if they agree..they send you a check..and you go buy what you want…even throw some extra money in to get an even nicer unit than your older one. I did this several times. Catch is though that once you do a buy-out….the new unit is not covered under 2-10 till it passes 1 year of installation..but that is OK..bc it comes normally with a 1 year manufacturer’s warranty anyway. BUT also beware that you now have to a) remove old unit and dispose and b) pay for delivery of the new unit.. So you may find going with an appliance store that offers free delivery/free installation/free removal.

3) When you elect to use your warranty to repair an appliance in your home, realize that you are giving THEM the authority to define how THEY want it to be fixed. Fixing to normal operation…..so many a times a contractor has advised that my unit needed to be replaced, that new repairs are going to be needed over time….2-10 did not want to replace. So in this case, I had call-backs for the same issue…and if they are within a relative close time-period, the deductible was waived for me.

I am not renewed by 2-10, been with them since 2001….and well I had the basic plan plus the extra coverage package which I recommend if one is going to do 2-10. It saved me in 2006 when my heat pump went out….got an entire new unit….my old unit was a TRANE..was only 5 years old…the new unit is a PAYNE….so 2-10 said they are similar in quality..and therefore a reasonable replacement. I thought otherwise, but again, I have not choice, unless I agree to do a buy-out…and then my cost after their merger buyout would be thousands of dollars to upgrade and the cost involved in the heat pump removal/and installation. Realize that also there are costs that 2-10 will not cover with some repairs…any modifications needed to accommodate new equipment..are not covered..and also freon recovery in the home was not covered. So in heat pump repairs…realize you are going to pay more than the deductible bc there are always costs not covered.

So 8 years, must have called in around 20 calls to 2-10…all of them taken care of, many times I use the same contractor.. they know me by now. As you make calls, guide them to use the same contractor, try to “group” your similar claims so you pay one deductible; Call them when you have not heard anything for 24 hours; call them again and again..and call contractor to CALL them as well….the contractor wants to make the repair..so enlist them to pursue 2-10 for authorizations. AND lastly, do not do anything till you get a work order/authorization number, that is essential for coverage.

Our home is 10 years old…why do I have so many A/C and appliance issues? Whether your home is new or old…..things happen…so ask yourself..can you handle a $250 repair job? Can you handle a $600 washer replacement? Can you handle a $8,000 heat pump replacement cost? The heat pump is what costs the most…so maybe going with a “service” contract with a local A/C firm that is referred by a friend or neighbor is better. They come service it twice a year….and you may get more value for your money there. Heat pumps are most likely one of the most expensive things to repair..so maybe just focus on the big item and let the smaller appliance issues and hot water issues..things that are $600 or less…fall on you.

I have been through this many many times…frustrated with 2-10 and then happy I sure had them! So for me to advise one way or the other is tough. All I know is that I needed to limit my “exposure” to high cost repairs..and I did that with 2-10 warranty. I used them at least 20 times, if not more really…it is incredible. I can guess that they thought after 8 years enough is enough for me! When my heat pump went and it was 100 degrees and I was 8 mos pregnant..boy that was a tough time…I was so unhappy and frustrated at the claims process, approvals waiting for a “good” technician to come..that is key….I did go out and buy a window a/c unit and 2-10 agreed to reimburse me for that unit. So here they redeemed themselves bc they understood my issue and were trying to help. The contractors have to be good….I estimate that many unhappy replies are because the contractors were so bad. 2-10 at some point has to do a better job in expanding their contractor network and also fine-tune the ones that are approved.

Good luck and if you are with 2-10 figure out the keywords you need to use to get a repair covered. When my garage door fell…and the opener jammed….that was going to be covered, till they asked how it happened and I told them that I nicked it with the car before it fully lifted up….so they called that “abusive use”, so it was not covered. I had to pay for that. Guess they were right on that one. So be versed on how you are going to describe a faulty unit….so that is is covered and not owner abuse…if your washer breaks….tell them it has been a progressive thing…and normal use…not that you put a 6 x 8 rug in there to wash!!! ok???

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Home Warranty Hidden CostsWhen is the homeowner supposed to buy home warranty? A home warranty is not a plan that can be purchased and used for the life of a home, but it is a warranty coverage for home appliances. It is procured before the sale of a home and acts as insurance for the new homeowner. Selling a home can be much easier if there is a home warranty drawn in. Shopping for a new home is a pricey endeavor.

People accept loans to purchase real estate, not wanting or expecting to spend extra on repairs for systems, appliances and things such as roofing. These hidden costs usually leave new homeowners in complex positions. A home warranty protects the new homeowner against these unexpected problems. Sometimes issues with different household features such as appliances come up in the closing days of a real estate contract. This can make a closing tricky and cost the original owner large sums of money they had not intended on spending. These issues might also convince the potential buyer to pull out of the deal, resulting in a failed transaction. The seller must then perform the necessary repairs before putting their home back on the market. A home warranty can only be implemented to working appliances and systems. The age of the item is not taken into consideration as long as it is in working order.

Prior to Purchase

Retailers, installers and manufacturers may provide separate warranties, each of which covers a different part of the home. Inquire for copies to take home and contrast against other packages from other retailers. Ensure that you get a copy of the complete warranty, not only a summary brochure. Glance at the combined terms of all the warranties that cover a home. All new homes must have a warranty but old or used homes may not, or may have a limited warranty. Be cautious of homes sold with no warranty – there may be several hidden problems with the home.

What is and not covered before purchasing any home warranty

  • How long does the warranty last? For existing homes, warranties last about a year after which you can renew them. For newly built homes sold by the builder, the warranty provided by the builder can last for as long as 10 years, but incorporates shorter coverage terms for certain systems and materials. For instance, the doors, trim and drywall may be covered for the few years of the warranty term, while major damage or structural defects to load bearing portions of home are covered for quite a few years longer, as long as it meets the severity of defect stated by the warranty coverage. Again, make sure to read the fine print.
  • What is covered and what is barred? Warranties usually disclaim responsibility for consumer abuse, normal wear and tear, neglect of maintenance, and site preparation. Many exclude “cosmetic” items and some exclude important items such as wall cracks and leaky faucets, and doors and windows. Used homes typically have extremely limited warranties. To learn more, check out What is not Covered by Home Warranty article
  • What can cancel the warranty? Sometimes moving or selling the home together with improper site preparation can void the warranty. Does the home need regular maintenance to keep the warranty in force? If yes, what kind of maintenance?
  • Are appliances covered by a separate warranty? Whom do you contact for service? Who performs the warranty work? How does the retailer, manufacturer, and installer split job? Whom do you contact first? It is recommended to purchase directly from a manufacturer, but it is not possible in all states due to licensing laws.
  • Be wary of “extended warranties.” These are often little more than high-priced insurance products issued by 3rd party companies. Terms of the extended warranties may be dissimilar than the original warranty, so assess them as closely. If you are financing the extended warranty, then interest costs should be considered as one of the factors.
  • Arbitration Clauses: These contract terms restricting your right to take legal action are more common in manufactured homes than conventional buildings. You must ask whether any of manufacturers, retailers or the finance companies uses mandatory arbitration clauses in their contracts. What does it cost file a claim? Will they sell you the home warranty without the clause, or with the clause changed to your satisfaction? Request to see the argument while shopping.
  • Quality of Service: Check whether the retailer has references from previous customers. Verify with more than one, possibly people who have been in their homes long enough to endure the excellence of warranty service. You can also check the history of the manufacturer, retailer and installer. Many states want retailers to be licensed.

After the Purchase of Home Warranty

  • For new homes sold by builders, store all documents pertaining to the sale of your home, in addition to any correspondence with the retailer, manufacturers and state or federal agencies. Evaluate the homeowner’s guidelines and other information found in the homeowner’s manual that your retailer gives you upon receiving your new home. This manual is needed by the Federal law. There must be facts on how to deal with warranty issues, as well as maintenance necessities that may need to be pursued to keep your warranty valid.
  • Maintain credentials of maintenance performed on the home.

Small Print Clauses and Hidden Costs of Home Warranty

  • Waiting period – normally 30 days from the date of purchase of home warranty
  • Claim denials are very common and some of the reasons include negligence and lack of maintenance of appliances. For HVAC units are you supposed to get the annual maintenance performed by a professional. Make sure you keep maintenance records.
  • Trade/Service Call Fee – You are required to pay service call fee per repair incident. The amount is anywhere between 50 to 100 dollars.
  • Repair Over Replacement. Even if an appliance is faltering very often, the service providers tend to repair it rather than replace it as it will cost them less. Due to this tendency of service providers, you have to face the same problem repeatedly, without having much control over it as you are tied down by spending in the plan.
  • Max Limit – Some companies will set the ceiling on maximum amount on repair expenses they incur. Make sure you understand these limitations.
  • As you near the end of your warranty period, cautiously examine the home for signs of problems.

As a consumer, identify what is and is not covered before purchasing any home warranty. Ensure the details are clarified in any contract before you sign it.

None of these aspects should deter a buyer from purchasing a warranty that meets his or her needs but it takes a fair amount of due meticulousness to identify all the hidden costs in buying a home regardless of whether it is new or used.




According to a news release, Atlanta based AGL Resources, Detroit-based DTE Energy and Tampa-based TECO Energy, Inc. have formed a joint venture to offer home warranty products and services under the brand name “UtiliPRO”

UtiliPRO

UtiliPRO home warranty plan will be launched in Georgia before opening for business in other AGL Resources territories, including Tennessee, Virginia, Maryland and New Jersey and possibly other states also. The firm was established at the tail end of 2009 and is based in Atlanta. UtiliPRO will be headed by former DTE Energy director of business development Kevin McCrackin.

UtiliPRO initially is offering a home warranty appliance repair program that will cover both natural gas and electric appliances as well. The program details are not available, but it appears the company will cover only heating and cooling appliances. Most of the home warranty companies such as American Home Shield offer a blanket policy covering many other appliances in the home. This program is unusual, however, the repair or replacement costs are much higher for heating appliances, so consumers might be willing to pay less and have coverage for large appliances.

“Given current economic conditions, this is an ideal time to launch this new business,” said John W. Somerhalder II, chairman, president and CEO of AGL Resources. “UtiliPRO will help people manage unplanned and expensive repairs of their most important appliances.”

Kevin McCrackin said the backing and experience of three well-regarded utilities – AGL Resources, DTE Energy and TECO Energy – with a desire to provide valued products and services during these challenging times will differentiate UtiliPRO from traditional providers of home warranties.

“UtiliPRO combines the utility business appreciation for effective, efficient processes that deliver consistent, quality service with in-the-home, beyond-the-meter products and services that extend the public trust of their utility into a more direct customer relationship,” McCrackin said.




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

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

Home Warranty – How Does it Work?

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

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

Cost of Home Maintenance Plans

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

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

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

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

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

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

Bottom Line

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




Adding to a long list of home warranty companies which have entered the home service contract space only to quickly exit, Stanley Warranty announced recently that the company is immediately terminating its services.  Visitors to Stanley’s website see this message:

Stanley Warranty

The company’s closing may come as little surprise to those who are aware of last year’s announcement of an investigation into the new company’s business practices.  In June 2015 New Jersey’s Division of Consumer Affairs announced that it had filed a complaint against Stanley Warranty, LLC, alleging that the company had committed acts contrary to its contractual commitments to its customers.  Among the state’s specific complaints against the company were alleged offenses that specifically involved Stanley’s home service contract customers.  Stanley also operated a business unit which provided consumers with extended service agreements for motor vehicles, commonly called auto warranties.

Here’s a quick analysis that we can provide to readers seeking more information about Stanley Warranty’s abrupt closure and the precedences set by other companies that pulled this same move in recent years. Come back to HomeWarrantyReviews.com for updates as we learn more about the fallout from Stanley Warranty’s announcement.

This Isn’t The First Time That A Home Warranty Company Has Gone Belly Up

Like Sensible Home Warranty did in 2014 when it closed shop, Stanley provided no apparent warning to their customers that pre-paid services would not be provided, though at this time it’s still unclear to HomeWarrantyReviews.com whether the company contacted customers via telephone or postal mail prior to closing its doors.  It’s also not known yet whether Stanley’s failure to uphold its commitment to any pre-paid customers will compound the company’s problems with New Jersey’s consumer agency.

Another company in the home warranty space that closed its doors in 2014, Colonial Home Warranty, sought bankruptcy protection.  Through bankruptcy, the company appears to have been able to escape financial responsibility for unfulfilled service contracts and repair bills from their contractors.  Whether or not Stanley Warranty will seek similar protection is not clear at this time.

The Signs Were All Over The Place That Stanley Warranty Was Trouble

Reviews for Stanley Warranty, also known as Stanley Safe Club, here on HomeWarrantyReviews.com are almost entirely negative.  The reviews reflect an apparent trend of the company not honoring its promises to customers or contractors who performed repairs on its behalf.  Many of the worst reviews mention repair contractors pursuing payments from the homeowners after Stanley Warranty failed to fulfill its duty to make those payments in a timely manner.

On its Better Business Bureau page, Stanley Warranty already had an F rating prior to the announcement of its cessation of services to its customers.  On Yelp, a recent review includes a comment about a refund check from the company to the customer, who had canceled services ahead of the expiration of the contract period, being denied due to insufficient funds.  That review was created in December of 2015, leading to the obvious question whether or not Stanley was insolvent well before it closed its doors in 2016.  Interestingly, reading past reviews on Yelp leads you to at least one claim in 2014 that Stanley Warranty had announced on its company website that it was closing.  And no matter how far back in time a reader travels on Yelp, the story seems to be consistently poor, one unhappy customer after another.

Perhaps the most insulting element of this story is that Stanley Warranty sold its service contracts with a promise of zero service fees.  Anyone familiar with the home service contract industry knows that most companies charge a fee, paid by the customer to the service provider, at the time of a service call.  For a company to offer competitive rates with no service fees is a pretty compelling deal for consumers.  And many of the consumers lured in by that deal are now left with every required repair being paid entirely out of their own pockets, despite having paid well in advance for home service contracts from this company.

What Happens Next May Not Be Good For Stanley Warranty’s Pre-Paid Customers

The home warranty industry has a history of companies like Stanley Warranty popping in and out of the space and taking loads of customers’ money out the door when the companies fold or burning up the money received from customers through mismanagement and unhedged risks.  Consumers who have been buying home warranties for years probably recognize some of the company names, ones like Arkidus, Sensible Home Warranty, Colonial Home Warranty, and  Certified Warranties Corporation.  All of these companies have something in common.  They sold home service contracts right up until the day they shut the office lights off and locked the doors.  

This may be the single biggest black eye that the home warranty industry has received in the last decade, and it just keeps happening.  As if companies being able to enter an industry that is so much like insurance, often undetected by the state agencies that regulate their industry, improperly funded, and perhaps even criminally intent on defrauding their customers is not enough, the end result of the companies is consumers left with financial losses sometimes amounting to thousands of dollars in service contract fees paid in advance.  All too often the regulators in the states where the customers live are powerless to retrieve those customers’ funds, and even when bankruptcy courts are involved the individual consumer is usually out of luck when liquidated assets are divided up among registered claimants.

In a nutshell, the chance of Stanley Warranty’s customers seeing refunds is very, very slim.  It’s quite likely that this story will end the same way it did for customers of Sensible Home Warranty in 2014 when that company disappeared overnight.  But that should not stop consumers willing to do whatever they can to seek justice.  Readers who wish to pursue legal action should immediately seek advice from an attorney, preferably one with experience with defunct service contract companies.

What’s A Nice Homeowner To Do?

If there’s any worthwhile piece of advice we can give to our readers who are shopping for a home warranty company it’s this:

Do your homework!  Despite it not always being easy to do, consumers must research companies in the home service contract space before making a purchase.  Here’s an example of the kind of detailed reporting available to consumers trying to evaluate the financial health of companies selling home service contracts in the United States.  That article by Warranty Week is an excellent resource.  Keep in mind that if the home warranty company you choose is using its sales to finance its claims then you can probably count on two things happening.  One, the company will do whatever it can to avoid paying your claims.  Two, the company will eventually get into hot water and close up quickly in order to try to avoid the owners bearing personal responsibility for the actions of the company.

Be safe out there.  And if you are a Stanley Warranty customer who would like to share information with other readers in the same boat as you then please share your story in the comments section below.




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

Green Advantage Warranty

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

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

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

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

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

About the company

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




Claim Denial Reasons Found this useful? Share this with your friends and family, hit the share button and help someone out. Cheers!

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Claim denials are often said to be the most annoying experience for home warranty customers. Although most cases happen due to misunderstandings, we do agree that some companies do deny claims on vague grounds for their profit. But a reputable company would never do that. Let’s take a look at this infographic. It explains the common reasons behind home warranty claim denials and how a customer can verify if the grounds for denial are genuine or not. As shown in the infographic, the most common reasons for claim denial are:
  • Improper maintenance
  • Item not included in coverage
  • Improper installation
  • Damage resulted due to natural hazards
  • Damage resulted from crimes

Some of the above mentioned cases can be avoided, while some cannot be. In situations where the company says that the home warranty claim cannot be processed because the item is not covered or that the damage is due to improper maintenance, refer to your contract. If they say that the damage was pre-existing, there is hardly a way out unless you had a home inspection performed prior to purchasing the contract. Likewise for damages due to crimes and natural hazards, one needs a home insurance and not a home warranty. Which is one reason why you cannot replace a home appliance warranty with a home insurance or vice versa.

How to Minimize Your Chances for Claim Denials?

So now the question is, how do we avoid such incidents of claim denial? Simple, pick a great company. Like the infographic tells us, you have to do rigorous research before picking a warranty provider. This website could be a starting point for that. We have reviews of tens of thousands of customers which can help you choose a reputable company. Once that is done, review the contract or policy document thoroughly. Once you feel that the company is good and that the contract is drawn up pretty decently, you may proceed with the purchase.

How to Dispute Unfairly Denied Claims?

In spite of all the research that you did and picking a good company, if you still find that your claims are being denied unjustly, you can dispute the claim. This basically means to go behind them until they set things right and make amends. It’s quite easy, follow the steps mentioned in the last section. Keep in mind that companies won’t give up that easy, so you make have to make multiple calls to convey your point. While disputing claims, keep the following in mind:

  • Always be polite while speaking to the representative
  • Gather all the information required before making the call
  • If you are sure that your claims are being denied unfairly, inform the company that you will complain about them to concerned authorities like State Insurance Boards and small claims court.
  • You can also share your experience through review websites like HomeWarrantyReviews.com and through various social media pages.

Chances are high that the company will come around and accept you claim.




Planning to sell your home and hoping to get top dollar for it? You’ve come to the right place! Selling a home often requires as much thought and consideration as buying one, especially if you are trying to fetch a good price for it. Thankfully, these are a set of pointers you can go through to ensure that you get a good deal. So, sit back, read and get to know how a home can be sold for a great price!

top dollar

Step 1: Research For Top Dollar

Any transaction that involves real estate should be researched well. Selling a home for top dollar is no different. You could begin with finding out what the average market value is for homes in your neighborhood. You could also pick a real estate agent to help you with the sale of property. Real estate agents always stay updated about prices and know the vibe of the crowd.

If you do not want to appoint an agent, you can use the old-school method and gather information from friends and family. You should also do some research on the amenities available in the neighborhood as such matters affect the sales price of your house.

The Internet is also a very good place to begin your research. You can also make use of online portals to list your house. This will give better visibility and might help you get an idea about prices of houses in your neighborhood.

Step 2: Pricing For Top Dollar

Many factors should be considered while pricing your house for sale. Apart from obvious factors like size, amenities, and age of the home, there are factors like facilities in the neighborhood, proximity to schools/hospitals/parks, connectivity, and history of the locality. Again, internet research will help you with this task and probably be worthy of your time for those top dollars of your home. There are online tools which give you an estimate of the sales price of your home after you provide details.

If you have listed your property on an online marketplace, be sure to keep checking in often. Events that happen in your neighborhood like crimes or accidents could adversely affect your listing. Staying updated is key here. Also, unless you fix the right price, a good deal can never happen.

Step 3: Negotiate For Top Dollar

If you have placed an ad for your property in print or online media, there is a good chance that many potential buyers will try to contact you to collect information. These folks are also going to negotiate with you to drop the price. While making a small reduction is fine, dropping the price by a large margin could get the buyer suspicious. He/she will begin to wonder if the house is truly worth top dollars if you drop the price without much fuss. The general trend among sellers is to price the house a little above the market value. That way, even if a buyer makes a request to reduce the price, the deal will still be good.

Like we said before, real estate agents are of huge help when it comes to negotiating. In fact, the entire negotiation can happen with the agent alone leaving you free of the task of having lengthy conversations with the buyer.

Step 4: Add-ons

Everybody loves add-ons, more so when it comes to property. This is a step which is almost guaranteed to increase the selling price of your home. Research has found that a home warranty plan definitely increases the sales price of your house. These plans not only protect your budget, they will also relieve the seller from future disputes. If an appliance in your home fails, the new homeowner will simply contact the warranty provider and not the seller.

You can also put in more shelves or racks to increase storage. Most people are huge fans of ample storage and hence, it could compel people to buy your property. Replacing old appliances will also help sell your home faster.

Step 5: Aesthetics

Nobody wants a house that looks old and spooky. Peeling paint, squeaky doors – in general, anything that looks like the Amityville horror house will be seen as a huge turn-off. It could repel potential buyers. A fresh coat of paint is almost mandatory for the house before it goes on the market. You could also enhance the external appearance of the home by improving the garden (if you have one) or you can add some other landscape detailing. You could also renovate the bathrooms (if they are old) or the kitchen for faster sales. The money you spend on upgrading your home can be reaped back once you sell the property. Trust us, decorating your apartment creatively helps lure in buyers!

Strike A Good Deal For Top Dollar

Unless you use the services of an agent, your home could be in the market for some time. Do not let that prompt you to drop the prices drastically. A good deal will definitely come by. In the meantime, read up on various home maintenance guides to give your home a thorough upkeep. You could also get a home inspection done as a home inspection report is something that potential buyers would want. That’s all! Hope you strike a very good deal!




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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If you’re a resident of Oregon, this is an article you wouldn’t want to miss. Every homeowner worth his salt must be well informed about the best home warranty companies in the state they reside. Being a coastal state in the Pacific Northwest region, Oregon has a diverse landscape which makes it a very popular choice for potential home buyers. All the more reason why you should go through this article because who knows, you may settle down in Oregon one day!

Home Warranty Companies

Oregon’s Best Home Warranty Companies

 

As you know, our website hosts reviews from actual customers of home warranty products from across the country. These reviews form the basis on which various companies are ranked on our site. For your convenience, we also have a list of top ten home warranty companies in the country. And based on the reviews collected from the customers in Oregon, here’s a list of top home warranty providers in this region-

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

In more detail, here’s the list of top competitors.

1. American Home Shield

Considered as the founder of the home warranty industry, American Home Shield, or AHS as it is commonly called, is a company that has over 40 years of experience. AHS has come to be a company that has a nationwide footprint with many customers praising its services. AHS claims that their plans are designed to help out homeowners, sellers, buyers and Realtors alike.

With plans that cover most appliances and systems in the home that too at compelling prices, AHS has garnered many rave reviews. On an average, a standard plan comes at an annual premium of $249-$500+ and the deductible per service visit charge ranges between $75-$125. AHS claims to have a massive contractor network with over 11,000 technicians who are selected after a stringent screening process. With positive reviews flowing in from all parts of the country, AHS rightly deserves to be called one of the best home warranty companies.

2. The Home Service Club

Serving across 49 states in the US, The Home Service Club (HSC) is yet another major player in the home warranty industry. HSC, like its counterparts, have designed plans that are suited to cover major appliances and systems in a home at affordable prices. The company believes that they are innovators who constantly come up with new ways to help improve customer satisfaction and the quality of the services they provide.

A standard plan offered by HSC costs around $400 and the deductible charged per service visit ranges between $75-$125. HSC is also one of the few companies that don’t mandate a home inspection prior to purchasing a warranty product from them. The company’s contract network is extensive and like most of their counterparts, HSC too has around the clock customer service facility and also an online claim submission feature.

3. Select Home Warranty

Yet another tough competitor in the state of Oregon is Select Home Warranty or SHW for short. Select Home Warranty is headquartered in New Jersey and has quite an extensive coverage across the country. And like other companies on this list, SHW too takes pride in its massive contract network with over 10,000 carefully selected technicians.

For homeowners in Oregon, select has three main plans to offer. They come in varying levels of coverage and are priced between $299-$499. Service call fee per visit is on an average around $60. SHW does not place a restriction on the age or the size of the property to be covered, neither do they mandate a home inspection prior to signing the home warranty contract. This is a rare feature and it makes them all the more loved.

4. Landmark Home Warranty

Landmark Home Warranty(LHW) is a company that provides services in the states of Arizona, Oregon, Idaho, Utah and Texas alone. Despite the lack of nationwide footprint, LHW has managed to garner rave reviews in states that operate in. They also offer pest control, re-keying and heater tune-up services in certain states.

LHW too provides plans that are designed to provide peace of mind to the homeowners. With most of major appliances and systems being covered, the plans come at reasonable prices, ranging between $425-$625. Deductibles too are charged nominally, at around $60 per service visit.

5. HSA Home Warranty

Home Security of America Home Warranty or just HSA Home warranty, is the final company on our list of top 5 companies in Oregon. With over 30 years of experience in home warranty sector, HSA has grown to become a popular choice among American Homeowners. Headquartered in Cross Plains, Wisconsin, HSA is a company that claims customer satisfaction is their prime area of focus.

Home warranty plans by HSA come in two variants each with varying levels of coverage and priced between $589-$619. The deductible per service visit charge ranges between $75-$100. The company also allows customers to customize and extend their coverage by adding items from a select list of add-ons. The annual premium would then vary based on the level of coverage picked by the customer.

The Final Word

What we have provided you is just a list based on the reviews that we have gathered on our site. There would be other companies in the local market who are equally commendable. So the only way to make a wise choice is by doing ample amount of research. Our site offers profound insights about various companies across the country. You could also take a look at the award winning home warranty companies to help with your decision. As always, we welcome your questions and would be more than happy to help you out. Cheers!