Home Warranty 101 – All You Need To Know About Home Warranty

Hello there! You have landed at the right place if you want to find out as much as you can about Home Warranties. Let’s not tarry, we’ll tell you all that you need to know about Home Warranty or Appliance Warranty.

About Home Warranty

Home Warranty sounds like a great way to protect yourself from financial strains incurred during repairs and replacements of your household appliances.  You have to understand that Home Warranty is not the same as Homeowner’s Insurance nor does it replace a Homeowner’s Insurance. There are a lot of things you need to consider before you purchase Appliance Warranty.

Understanding Home Warranty

Appliance Warranty is a kind of insurance that you purchase for covering the major appliances and systems in your home. It is a contract between the homeowner and the insurance company stating that it agrees to provide discounted repairs and replacements for insured devices, provided certain conditions are true.

The Homeowner’s Insurance covers damages caused due to crimes, natural hazards and water damage also to some extent. Whereas the Appliance Warranty Insurance covers damages that are caused due to regular wear and tear. Almost all your major appliances and systems are covered. You can purchase additional coverage if you wish.

Now let’s move on to the specifics.

Coverage

Here’s the list of components that are commonly covered in standard plans. This is only a basic idea, you will have to read your contract to find out exact details about coverage.

Air conditioning Plumbing stoppages Telephone system
Telephone wiring Plumbing system Electrical system
Attic and exhaust fans Sump pump Instant Hot Water dispenser
Refrigerator. Toilets Built-in-trash compactor
Central heating system Hot water pump Built-in-dishwasher
Heating and duct work Bathroom whirlpool motor pump Cooktops
Built-in-microwave Water heater Doorbells
Smoke detectors Ceiling fans Garbage disposal
Range hood Oven Humidifier

Here’s another list that tells you about the components that are usually omitted from basic coverage. However, as mentioned before you can always purchase additional coverage.

Faucet repairs Spa or pools Hot tubs
Hauling away debris Hauling away old devices Outdoor sprinklers
Outdoor water systems Combo ceiling fans Second Air conditioner
Second freezer/ fridge Food spoilage Ice maker & wine cooler
Well pump Central vacuum Limited roof leak
Septic system Septic tank pumping Standalone freezer
Home entertainment Office package Central AC unit
Washing machine. Heating system Additional spa

Benefits

The advantages of purchasing a Home Warranty insurance are many. If your appliances are fairly old (over 4 years) the chances are that you may reap many benefits from an Appliance Warranty plan.

The prominent advantages are as follows

  • Protects your budget by covering for costs incurred due to repairs and replacements.
  • It saves you the effort of looking for an experienced and trustworthy contractor to repair your broken device.
  • When you inform the Insurance company about the malfunction, they will send a qualified technician to your doorstep.
  • If the issue is minor, the technician shall fix it right away.
  • If parts need to be replaced, the Insurance company shall place the order and procure them for you. You may not have to pay for this.
  • Depending on your coverage, your device will be replaced with a brand new one if the technician declares that your broken device cannot be fixed.
  • Covers damages caused due to regular wear and tear.
  • Increases value of your property during sale.
  • Provides on-going home protection. Your plan can be renewed each year.
  • Provides you a stress free life by giving you guarantee that if a household appliance crashes, your budget will not have to suffer much.

Costs

Appliance warranty plans costs around a few hundred dollars per year. They are not that expensive unless you are looking for a plan that has extensive coverage. These are the things that you will have to pay for.

Annual premium

It is often between $400 – $1000. This can vary depending upon the coverage you choose.

Variations

The cost of premium does not vary depending on the age of the house unless it is a brand new one.  Also, unless the area of the property is above 5000 square feet, the premium will not vary much.

Deductible

In addition to the premium, you will be expected to pay a service charge often called as the Deductible, each time you raise an issue. The amount for this is usually around $50.

Technicians fee

A technician shall be sent over to your house to evaluate and repair the damages. The fee for the technician must be paid by you as well. In certain cases, more than one technician may have to inspect your device, in that case you may have to pay separate fee for each contractor. You will have to pay the Technicians fee irrespective of whether the repair was performed or not.

How does it work?

The working is very simple. Every time you approach the Insurance company with a service request, they will take down details and request you to pay the deductible. These Insurance companies often maintain business ties with vendors/contractors in the appliance repair industry. So when you request for a service, the Insurance company in turn calls up a contractor and places your request with him. The contractor then calls you up to fix an appointment and later comes to your home.

Once he arrives, he will examine your damaged device and fix the issues if they are minor. If major repairs are needed, the Technician informs the insurance company and requests approval. If they are approved, the technician will perform them and fix your appliance.

In certain cases, appliances may need replacement of individual parts. If this happens the insurance company will procure them for you and send it along with a technician to fix the device. In certain other cases, the technician may declare that your device cannot be repaired. The insurance company will then replace your broken device with a brand new one. This feature depends on the Insurance plan you purchased.

Things to keep in mind

As much as it looks appealing, it is not a perfect arrangement. Home Warranties do have a few drawbacks although they can be resolved.

  1. The warranty company will always try to repair and not replace your damaged appliance.
  2. Appliances that crash due to lack of maintenance are not covered. Pre-existing conditions are also not covered.
  3. You will still have to pay a service call fee per repair incident, even if the Tech could not repair the appliance. Also, you cannot raise multiple issues in a single claim. If at all you do so, you will have to pay separate deductibles for each issue.
  4. Claims are sometimes denied on unclear grounds and also by quoting fine print from the contract which is usually overlooked by the customers.
  5. It is not suited if your appliances are new and in fairly good condition. If you won’t need frequent repairs, this may seem like a waste of money.

Get the best out of Home Warranty

This is easier than you think. All you have to do is ensure that you do the following.

  • Read the policy booklet and Insurance contract thoroughly. Do not ignore content written in small font sizes either. You can have someone look at it if you wish.
  • Choose companies that comes with excellent recommendations. There are quite a few companies out there that are not very reputed. Make sure that the company you pick has a good and clean record.
  • Get you major appliances serviced once a year. This will ensure that you don’t have to spend lots of money later on repairs. Lack of maintenance causes several issues and such issues are not covered by Appliance warranty.
  • To be on the safer side, check with the records of the Better Business Bureau (BBB) to ensure that the company you are considering does not have a bad history.
  • Check the cancellation and renewal clauses. Some companies do not allow termination of contract before a certain period of time. This could be slightly annoying in some cases.
  • If you have a contractor that you trust, speak with him to know if he has tie-ups with any Home Warranty Companies so that you may continue to avail his services.
  • If you ever find yourself unsatisfied with the service you are getting, do not keep that to yourself. You must spread the word through the internet and various social media. You can also retaliate by posting comments and reviews through websites like ours. www.homewarrantyreviews.com

Home warranties are a great way to insure your household appliances. They often prove to be highly helpful in protecting the budget when an appliance breaks down. If your appliances are over four years old, it is suggested that you purchase an appliance warranty plan. It is also suggested that you get your home inspected before you purchase Appliance Warranty.






Living in the modern times is a blessing in many ways. When we look back at the way our ancestors lived, we certainly feel grateful about the various developments and innovations in technology. Science is indeed a marvellous field.

Every invention that man has ever made has always been done with the idea of making human life easier. The very first machines, be it the blunt stone tools or the wheel, the idea behind every one of them was to reduce manual effort. Several centuries later, the world we live in today has developed so much that we have a machine for anything and everything.

Let’s take a look at some of the most genius inventions that science has given to the average homeowner.

HVAC units

Appliances That Make Our Lives EasierMan’s need for protection against the bitter cold started with the invention of fire in the early stone ages. Today, we have electrically operated Heating, Ventilation & Air Conditioning units that provide us with the much needed warmth/cool.

HVAC units are large systems which take in air through filters, use coils to alter its temperature and then blow it out through a vent. If you care for your HVAC unit, take a look at our Checklist for HVAC maintenance.

Washing machines

washing machineCan anyone imagine a world without clean clothes? Of course, no! Washing machines are yet another gift the world of technology has given us, one we can’t thank them enough for. Feed in a pile of dirty laundry and out comes fresh, clean fabric!

They save us the effort of hand washing our clothes or the money to buy new clothes, which ever way you want to look at it.

Refrigerators

refrigaratorIf science did not gift us with the refrigerator, we would’ve been surviving on take-outs or slaving away fetching fresh ingredients and cooking them daily. Fridges too make our life

immensely easy by ensuring that we have the provision to store food in our homes.

Refrigerators too have become a staple in every average kitchen. The work by reducing the temperature of edible items which in turn reduces the chances for decay and spoilage. We also have a very informative Refrigerator Maintenance Guide, do take a look!

Dishwashers

Dish washerNobody wants to spend their post-dinner time scrubbing dirty utensils. Dishwashers do that job for us. These appliances provide us the luxury of allowing us to sit back and relax post dinner. All you need to do is load the dirty dishes into it and press a few buttons.

They easily fit into kitchens as they are not that space consuming and is yet another appliance that makes our lives so much more easy. You can also take a quick peek at our Dishwasher Maintenance Guide.

Microwave ovens

Washing MachineThey are a fairly recent invention, nevertheless, they too have become an integral part of the modern kitchen. This gadget is tiny compared to the other appliances. However, its quick cooking time and ease of use has earned the microwave its place in every home’s kitchen. While the radiation it emits is still a heated topic of discussion among staunch environmentalists, this appliance continues to help us immensely in our day to day life.

 

 

And that’s not all!

While we’ve talked about five appliances alone, we want our readers to understand that they are just the few of the many systems that make our life easy. We’re sure everyone who reads this agrees with us on that.

Now, since these beloved appliances do so much for us, shouldn’t we do something for them? Of course we should! If your appliances/ systems are 4+ years old, it is strongly recommended that you purchase a home  warranty to protect your appliances as well as your budget. You can read more about home warranty and its features and benefits!

We hope you found the article interesting, do share your concerns and doubts with us. Cheers!




“Winter is coming” – Remember this famous dialog by the Starks from Game of Thrones? Well, it is true now. Winter is indeed approaching and that means homeowners have to prepare themselves for the chilly festive season.

While the idea of another Christmas is awesome, the idea of sub-zero temperatures and malfunctioning appliances is not. Fret not! There are some things that you can do to ensure that the chances of your appliances crashing are kept to a minimum. This article will provide you with a list of appliances that needs to be checked before winter sets in and also how to ensure that they don’t breakdown. Wondering why you need to check your appliances in advance? Well, like they say, a stitch in time, saves nine!

Appliances That Need Care Before Winter Hits

Appliances That Need Care Before Winter Hits

So here are some of the appliances that need a thorough check up before the temperature drops-

  • HVAC unit
  • Smoke detectors/ alarms
  • Fireplace (if you have one)
  • Dryer

Let’s take a detailed look at how these appliances should be checked. Don’t worry, the steps are quite simple and only require a very basic examination on the appliances listed above.

HVAC

This one is absolutely essential. If there is no heating in your home, you’ll probably get sick. Or worse, freeze. HVAC units are large appliances and they may require annual maintenance checks. If you have signed up for a warranty plan or similar arrangement that conducts frequent checks on your HVAC, now would be an ideal time. If you don’t have such an arrangement, worry not. Here’s what you need to do.

  • Examine the entire unit visually. Find out what you must look for in an HVAC unit.
  • Check the filter. If it appears old and worn out, replace it.
  • Check the thermostat. If you use a mercury thermostat, now would be a good time to shift to a digital one. They are said to be more accurate.
  • Examine the heating ducts. They may need cleaning to remove any dirt or debris accumulated in them.
  • Finally, keep the area around the unit clear and free of inflammable materials.

While you’re at it, you may want to read about common mistakes HVAC owners make.

Smoke Detectors

Personal safety is always a primary concern. With all the heating devices going in full swing, having a fire, although uncommon, is still possible. Check your smoke detectors to ensure that they are in working order. If they fail, you could risk the lives of everyone in your home.

Here is what you need to do to check your smoke detector –

  • Let the others in the house know that you are going to test the detector. You don’t want everyone panicking when the alarm goes off.
  • Press and hold the test button on your smoke detector. This should trigger the alarm. If it doesn’t. The device could be faulty.
  • If you want to test it in a more real scenario, try spraying some smoke detector aerosol on the detector.
  • If the alarm is triggered, suck out the test material using a small hand held vacuum cleaner. This should silence the alarm.

Dryers

These are appliances that can get really hot if their vents are blocked, making them prime fire hazard material. Leaving them to function unattended during the cold winter season may not be a bright idea. Make sure somebody checks on them at frequent intervals.

The following steps can help you run a basic exam on your dryer-

  • Take a look at the vent behind the dryer. It should not be blocked or damaged.
  • Clean the lint filter. Ideally, this should be done after every few wash cycles.
  • Make sure the area around the dryer is not blocked by objects that could easily catch fire.
  • Finally, if you are going to be away for a long time, unplug the dryer.

Fireplace

While it is lovely to have a fireplace, there are somethings that you just cannot overlook while using them. To ensure that your fireplace is safe for use, do the following –

  • Make sure that the damper opens and closes without hiccups.
  • Arrange a professional sweep to clear out any soot or particulate material that would have accumulated in the chimney.
  • Inspect the mortar around the bricks in the fireplace and chimney. There should not be any cracks or breaks in the bricks.

If you have a gas fireplace, look out for peeling wallpaper and eroding mortar. Ideally, get it inspected by a professional.

General Winterizing Advice

First time homeowners may need to do extensive research about making your home safe for winter. Apart from the appliance maintenance checklist we provided above, there are some general safety and wellness practices that you must follow. This would include things like keeping an emergency contact list ready, stocking up on food, check your car to see if it’s winter-safe and finally formulating a fire escape plan.

Also, do keep in mind that outdoor hose bibs may freeze in the winter and to prevent that, they should be shut off at the source or covered on the outside with an insulator. It should not be difficult to find an insulator as they are available at most home goods stores.

If you don’t have a home warranty, now would be a good time to think about one. Such appliance service contracts help you save money on repairs due to unexpected appliance breakdowns. You could also look into our general appliance maintenance checklist to ensure that your home runs smoothly always.

We hope you found this article useful. Let us know your thoughts. Cheers!




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

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

Extended Home Warranty

Before deciding on extended warranty

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

Cost consideration on home warranty

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

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

Importance of extended home warranty

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

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

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




Okay, so you have decided to start a garden in your home. Congratulations, it is a very good decision indeed. Plants are the backbone of our environment. The more you plant, the better it is. Before you adorn your gardening gloves, soak up some gardening basics that will help you save a lot of time and money if you follow them strictly. Gardening is an activity that requires some serious effort. You can’t simply plant a few saplings one day and then expect it to turn into the Versailles.

Gardening Beginners

Beginners guide to gardening

Here are 10 basic steps any gardening beginners must follow to achieve best results.

Step 1 – Allot time

Ask yourself how much time you can dedicate for your home and garden work each week. If you have sufficient time in your hands, then you can go ahead and start a garden that requires quite a bit of maintenance. It can be a mood-lifter as well. But if you can spare only 2-3 hours a week, look for plants that need very little care. And for the extremely ambitious ones  who have only a few minutes to spare and still wish to start a garden, I suggest that you get yourself some cacti. They will survive even if you to water them just once a month.

Step 2 – Decide where the garden should be

Decide where you will start your garden. Once you do that, evaluate the area well. Determine factors such as sunlight, moisture, soil type, area and location. Or, better, do all the things that are mentioned below.

  • Get the soil checked. You soil could be alkaline or acidic. Sometimes soil may even contain trace amounts of lead. As you know, lead is poisonous. Its not the best thing your kids can play with. Remember to remove all the rocks and lumps you see.
  • Determine the drainage of your soil. Dump some soil in a flower pot and pour water into it. Pay attention and find out if the soil retains water well or if it simply lets the water run through it.
  • Mark the shady and the sunlit areas. If you are planning to start a garden in your yard, find out if any underground pipes or other utilities are present underneath your yard.
  • Try to find out how much rainfall your locality receives in a year. It would be great if you get a lot of rain, it means that you can spend less time watering your plants and more time enjoying your garden while you hold an umbrella.
  • Also decide the location of water sources like taps.

Step 3 – Do some groundwork

Prepare a clean bed. If you are starting with a clean bed, your plants tend to be healthy and less susceptible to pests and other harms. If there is grass and other vegetation, remove them. It is not a very pleasant task but you can’t overlook this step. You can buy pre-fertilized soil these days. If you don’t have sufficient soil, buy some and lay them around your yard.

Step 4 – What type of garden?

You know what they say, as you sow, so you reap? Decide what kind of garden you want. If you need help with this decision, ask yourself the following questions.

  • What do you wish to reap? Flowers? If you want flowers, decide their color combination.
  • Do you want a space where you can relax or do you want a play area for your kids?
  • Do want to grow vegetables in the garden?
  • What plants are suitable for your soil? (I hope you obeyed my instruction and got your soil tested, soil testing is not a DIY task.)

You can even discuss with your family and make a joint decision about what you want your lawn to be turned into.

So, once you scrutinize  all the above steps, you can get down to the actual process of gardening.

Step 5 – Procure the saplings/ seeds

Get the seeds and saplings based your decision about the type of garden you need. Local stores often stock up on these things and so they may not be difficult to find (unless you are looking for the kind of plants you seen in Harry Potter movies.)

Step 6 – Buy some tools

Get the basic gardening tools. You may not need all the tools in the beginning. Just get a spade and a rake. You can buy the rest as and when the need comes up.

Step 7 – Start planting

Plant them! Oh, you have to get flower pots too. You can reuse your old pots if you want. As long as they are not totally dilapidated, they will do just fine. There are no rules when it comes to the time that is ideal for planting seeds, however it is considered best planting them on an overcast day as it yields better results.

Step 8 – Give them a drink!

Once you plant your seeds/saplings, water them immediately. Give them a deep soaking. If water is insufficient during the initial stages of a plant’s life, chances are that they won’t survive long.

Step 10 – Extra nourishment

Deciding on fertilizers and manures can be a difficult task. Since these things often cause more harm than help, it is suggested that you use them in a limited manner. You can avoid them altogether if you want.

Alternatively, you can substitute them with natural compost or your regular kitchen bio-wastes. If at all you decide to use fertilisers, make sure you use them in the fall or autumn season. That’s it. You are done with the planting part.

 

Troubles May Brew

Planting seeds alone doesn’t do the job. There is much more you should know as a budding gardener. You are likely to encounter a few hiccups and troubles soon. Read ahead to know more about them.

Likely hiccup # 1 – Maintenance

Or the excess of it. All plants require quite a bit of maintenance. They can’t survive on their own and will need your attention several times a week. Otherwise they will wither and die. If that happens, you will have to live with the fact that you actually killed a living organism.

Likely hiccup # 2 – Misconceptions

If anyone told you that perennial plants require less maintenance as compared to annual plants, they are wrong. All plants are more or less the same when it comes to metabolism. Don’t believe all the stuff your fellow gardeners tell you. Perform adequate amount of research if you want to take good care of your plants.

Likely hiccup # 3 –  Weeding

I’m sure that this is a familiar word. The happy news is that the more often you tend to your garden, lesser will be the time you need for weeding it out. For those of you who don’t know a thing about weeds, here’s the explanation. Weeds are any kind of unwanted vegetation. You may be thinking “What’s the harm in letting a strange plant grow in my garden along with my other plants”. Let me tell you this, weeds are often parasitic in nature. They quickly absorb nutrients and moisture from the soil, leaving your beloved plants to starve and eventually die. So, remove all strange plants lurking in your garden as soon as you see them.

Likely hiccup # 4 – Deadheading

This is the process of removing your spent blossoms. It ensures that your plants have a longer lifespan. Also, tall plants often need to be staked to avoid flopping.

Almost there!

This pretty much summarizes everything you need to know about gardening as a beginner. It is always wise to have a gardening catalog with you. Also, it would help you immensely if you keep records and journals about your gardening activities. For those of you who are devoted to saving our environment, green landscaping could be an option. It is a healthier, greener and cost-effective approach to gardening.

If you loved the idea of gardening but you do not have the space or time to start one, make do by adding a few indoor plants to your home. Read about some cool guides on how to keep indoor plants!. You can also read about how you can decorate your home with indoor plants.

Whatever methods you choose, starting a garden of your own is an admirable thing to do. So why don’t you start one soon and do your part in saving our environment? Best of luck!

 




Which home would you rather purchase? One that gives you no protection if the air conditioner, plumbing, furnace, garage door openers or dishwater go kaput or one the with a home warranty that fixes any repairs for less than $100?

Majority of buyers would opt for  the latter. It is simple to see why many sellers are making  home warranty part of the selling contract. Provide yourself a marketplace edge by giving buyers peace of mind.

Sell Your House Faster

A home warranty offers the buyer with peace of mind that helps in case there are any problems with major appliances, electrical or home systems. Generally there is a deductible service fee of about $ 60 payable per incident. The cost is generally around $300 to $400 in the form of an annual fee which buys peace of mind and adds value when you’re staring at selling your house.Sell Your House Faster

Additionally, some real estate companies may provide appliance and system protections plans to their customers at no extra charge. Nearly all real estate agencies will offer this service for free, which is generally built into the selling price of the home and brokerage of the realtor.

People who are procuring an older home will buy a warranty if there isn’t one already provided by the seller. This is where having a home warranty for your home is an excellent selling feature. Potential buyers are ought to be impressed if the home is already covered for its appliances and systems.

How to Compare and Choose the Best ?

You can effortlessly find a company that provides appliance protection on our website here or by asking your real estate agent. They will possibly have a list of good home warranty companies that they have used in the past and can advice. Your research also helps choose the best. It’s vital to find out what a company charges along with coverage and other clauses.

 

 

You must compare plans based on the categories below.

  • Systems and appliances covered
  • The cost of the home warranty
  • Service deductible fee
  • Exclusions
  • Other variables like add on’s and customization of plans

With a home warranty, you can give buyers with peace of mind allowing them to be assured that the home is worth their investment. This can be  an outstanding selling feature for any home, new or old. A home warranty can aid you to sell the home faster, standing higher than other homes for sale on the market that do not come with a home warranty.

Selling your home can be a daunting task. Providing appliance protection should do the trick. This service gives your home buyers the composure they look for.

Other Tips for Improving the marketability of Your Home

A few tips for you that will better the chances of finding a buyer for your house.

Kitchen Remodeling

One such improvement is kitchen remodeling. The key aspects you must bear in mind when remodeling are good floor area, sufficient storage space and other modern features. An agent in your locality will be the best person to advice. You can also look up on the internet for resources.

The most common reasons people go for kitchen remodeling are :

  • To improve materials, appliances and fixtures
  • To provide more floor space
  • To provide extra space so family members have a place to grab a quick bite or dine together

Putting back old kitchen cabinets with solid wood – whether cherry, oak or even something less pricey like pine and kitchen counter tops is a good way to increase the kitchen’s usability and appearance as well as the market value of your home.

Bathroom Remodeling

Like kitchen remodeling, bathroom remodeling needs the services of a professional contractor.

It is important  to have a comprehensive plan and know what type renovation work you want before beginning the project so that code compliance laws are met and essential permits obtained.

Be specific when making the list. Instead of just a lavatory, identify the type. Pedestal lavatories can cost over $300, while a simple wall-hung model can just be under $ 70. Designer toilets will be a little over $ 1,500 while a standard two-piece model will cost under $100. Shop for the finest quality fittings.

Besides, here is a list of 6 tips for selling your home that can change the way home buyers look at your home.

  1. Change the mailbox. The mailbox is one of the first items potential buyers see from the curb. A rusty mail box shows a poorly maintained home.
  2. Paint the front door.Depending on the type of door you have, it is prone to wear and tear making it look dull. The dirt from outside stains and the light it is exposed to fades the paint. A fresh paint can vary the image of the psychology of the buyer entering the house.
  3. Trim shrubbery. Shrubbery is good but overgrown shrubbery looks untidy. It makes the same impression – unkempt, not looked after and not clean. Sensible use of the clippers can make a huge difference in the curb appeal.
  4. Fertilize the lawn. Few things make a bigger impression than from the curb than a blossoming green lawn. And nothing will attain that for you than a little addition of fertilizer. Also apply a little seed to the balder patches of the loan and you can see improvements in a week.
  5. Change Light Switch Plates. Unavoidably, light switch plates and plates for outlets show signs of constant contract. Finger prints, dirt can be clearly visible. You could attempt cleaning them one by one but the plates are very cheap. However, clean plates would point to a home that is cared for to the last little item.
  6. Clean the windows. Dazzling clean windows make the house more attractive both inside and out while dirty windows showing hand prints, rain stains create a negative impression on the home buyer.

This list gives you a starting point on economical ways to improve your home’s marketability. Now you should walk your home and try to find the little things that could be made cleaner and brighter with very small expenses.




Tired of seeing your roof green, stained and covered in leaves or in snow? Of all the home maintenance, spring cleaning, repairs and errands a homeowner is fated to, roof cleaning can be one of the most tiresome. Doing a balancing act on the shingles with a broom, a blower and a hose, scrubbing off algae and making sure you don’t have rats and raccoons – it’s not a particularly fun way to spend your Sunday mornings. Unfortunately, keeping your roof clean, damage free and well fitted is of utmost importance, especially when it comes to increasing the life of the tiles and shingles and preventing seepage.

Top tips to clean your roof

Aesthetics of a clean and shiny roof aside, roofs made of asphalt, wood, tiles or shingles all need to be kept dry and clean if you want them to last a good twenty years or so – and it is recommended to replace them altogether every few decades.

Dangerous Or Just An Eyesore?

For starters, one of the primary issues are algae, moss and other parasitic growths. Being exposed to the elements constantly, it is inevitable that the existence of air and water are more than enough to cause things to grow on your roof. Adding to that, limestone fillings and wood beams act as perfect hosts for mold.

Slowly eating into your fillers, wood and drains, the strength of your roof itself is at risk, not to mention the gaps that will appear and cause leaks and seepage issues for the inside of your home as well.

Identifying The Problem

There are three primary growths possible on the surface of roof – algae, moss and lichen.

If you have noticed streaks and stains of black on your roof, then algae is the issue you have to tackle. Reproducing rapidly as long as they get moisture and sun, they tend to fasten themselves to the shingles and feed on limestone, undoing the secured shingles from their place.

A growth that actually stems from the algae itself, lichen is light green and fundamentally a fungal growth. Though it doesn’t hold much water, it does eat away at the top layer of the shingle with time because of its acidic nature.

Last we have moss, a much darker green and dense in appearance. Moss and lichen are much stronger than algae and aren’t easily washed off, the former holding water and soil within its structure that may create an environment for even larger weeds to grow on the shingle surface.

How To Fix It

Roof cleaning can be done in one of three ways.

You can choose to go the complete replacement way – which can be expensive and sometimes unnecessary all together. Even if you have the money, know that replacement is not a permanent solution and the shingles will need maintaining whether they are old or new.

Next, you can hire a professional cleaning agency. Pros – it’s easy, safety is not an issue as they know what they are doing, and technical expertise will help get rid of the problem for an extended period of time, if not permanently. Cons – of course, it is more expensive than doing it yourself and if you don’t check up on how they clean, it is possible that you are being charged for more, or the cleaning is being done with chemicals which will later harm other parts of the house and garden.  

Lastly (and yes, we will tell you everything you need to know on how to do it!) you can choose to clean it yourself. Depending on how handy you are with basic tools, cleaning supplies and a little manual labor, DIY roof cleaning is really that extensive of a task, and it can easily be tackled on a free Sunday morning.

Dos & Don’ts Of DIY Roof Cleaning

Tip 1: The Right Time

Not humid and yet not too hot and sunny, pick the right day to climb up and scrub your roof clean. Humidity or a slight drizzle can make the roof slippery and unmanageable, simultaneously washing off the cleaning agent before it can work its magic. On the other hand, a hot and sunny afternoon can make the solution dry too fast, again not allowing it to act.

Tip 2: Safety Before All Else

If you haven’t done it before, you should know that walking around on a sloped shingled surface can be an art in itself. Before you worry about the right cleaning agent and scrub to use, make sure you have a sturdy ladder and preferably someone to keep watch, non-slip boots with a good grip and maybe even knee pads.

Cover up to save yourself from unnecessary scrapes, cuts and insect bites, especially since the chances of rusted metal nails and clasps are rather high.

Tip 3: A Quick Sweep

Use a simple broom to clean off the leaves and large debris that has collected on the flat areas and in the drainage points of the roof, letting you get a better look at what’s underneath. Don’t try using a rake or any sharp implement as that can damage the shingles, and make sure to sweep in the same direction that the shingles are laid, so as to make sure you don’t land up raising them in the process.

Next, get on work-gloves and clear off the drains, running water through them if necessary.

Tip 4: Choosing The Right Cleaning Solution

This will require a little bit of research, a knowledge of what material your roof is made of and filled in with, and what is causing the damage.

Not wanting to do this every few weeks and have the product at least last a year, it is a good idea to invest in a product that handles algae, moss, weather wear and tear, and damage because of the elements. Additionally, you can choose to coat your shingles or use zinc strips.

If the product sounds too good to be true, then it probably is – cleaning solutions and sprays that claim to solve all your roof damage problems with one swift coat for example are not an option. Pick a solution that is environmentally friendly and doesn’t cause long term harm to the hard wood beams or plants in your garden.

Another way to go is make your own, saving you money and allowing you to control exactly what is going into the cleaning process. One recipe is a mixture of heavy duty bleach (not the one that is for domestic use, but instead the one that you’ll find in a hardware or pool store), dish soap to thicken the bleach and act as a cleaning agent, and hot water to bind it all together. Use a simple garden spray tank to hose the roof with the solution, and wait for it to dry onto the shingles completely. Once dry, then hose it off with just water to make sure all the chemical is washed off.

Not All At Once

You’ll have to be there in person for the entire process, and besides the fact that the roof is sloped and shingled, you are now adding a soapy solution to the mix – a recipe for disaster if you don’t do it right!

Make sure you do one section of the roof at a time, allowing it to dry, be hosed off and dry again before you move to the next section, giving you dry ground to stand on as you move.

The Last Step

Once you’re done, zinc strips can help keep the shingles clean and sparkly for extended amounts of time – some may even say forever! Cost efficient and not too difficult to install, zinc strips fitted to the top of your roof cause metal ions to flow down the surface of the shingles when it rains, killing the lichen and algae and keeping the roof damage free.

More Than Just Cleaning

DIY tips and tricks, maintenance dos and don’ts, and even hiring professionals are all well and good, but even so the bother of service and repair looms over our heads.

While smaller issues such as algae and lichen can be handled right at home, rooftop damage can be a painstaking thing to deal with. From termite infestation to seepage and material damage, one way to make sure you are secure when it comes to such repair costs is Home Warranty.

Functioning much like insurance but with a much wider range of coverage –appliances in your home as well as the structure of the building itself – Home Warranty takes responsibility for all your repair needs.

Get your own estimate using the Home Maintenance Calculator on the HomeWarrantyReviews.com website and get an approximation of how much your home will cost you in repairs, just by feeding in a few simple details. Giving you a comparison between the cost of Home Warranty and that of maintaining it yourself, warranty keeps you prepared for unexpected servicing costs and keeps you covered when it comes to tasks you cannot always do yourself.




Building insurance is a type of insurance most people don’t know enough about. This is the cover that provides for dealing with storm damage, accidents, malicious damage and a range of other things most people understandably prefer not to think about at all if they can help it. Building insurance is a type of “catchall” insurance, which covers damage to buildings which can run into very heavy costs for owners. So how do i insure a building? Read this article to get clear insight about building insurance.

Insure a Building

Buildings and risk management

This is a very versatile type of insurance, and it needs to be. Building damage can include some extremely difficult, capital-intensive issues that owners have to deal with quite regularly. It’s a form of investment protection, very common in commercial properties, to deal with the risks of businesses. If you own several million dollars worth of building, you need to know you’re properly covered.

The fact is that any type of building ownership includes a lot of basic risk management by definition. If you own rental properties, you’ll be well aware of the possibilities of damage from various sources, and the fact that premises really need to be maintained. Damage has to be fixed, and if that damage isn’t adequately covered, it’s money out of pocket upfront, a loss in any terms unless you have a very good homeowners insurance policy.

That’s not good business practice, and it’s exactly what building insurance is designed to deal with. For homeowners, the issues may be different, but the principle is the same. If you’re paying off a mortgage, and the budget is looking a bit fragile, the last thing you need is building damage running into thousands or tens of thousands of dollars. That whole scenario has to be covered, and covered properly.

Building insurance basics

The best approach to building insurance is to take a long hard look at your needs and then start shopping around for insurance that covers your needs. You’ll probably be surprised to hear that online buildings insurance is quite easy to get, complete with upfront quotes and adjustable cover, which can be tailored to your needs. This is the new paperless insurance, bureaucracy-free to the extent that it’s possible to be, and it’s getting a lot of market share because it’s highly efficient for both private and business purposes.

The shopping around needs to include:

  • Clear understanding of policy values. This is critical. Ask questions, and you’ll get straight answers. The insurers need informed customers, particularly about cover values. Sales and quality are now inseparable in this highly competitive industry, so expect good offers and good information.
  • Clear policy operation values: How a policy is operated, including outlay on premiums and policy variations is often critical, particularly to people having property portfolios to manage. Efficiency pays off in time and value, so go for the best you can get in these areas.
  • No “grey areas”. Best practice in insurance includes Product Disclosure Statements, and these statements are comprehensive. Read them.

Buildings insurance is easy to get and easy to manage. Stay in front of the issues, and your cover will do the rest.




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

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

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

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

1. Appliance is not covered

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

Home Warranty Claim Denials2. Appliance is not maintained properly

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

3. The damage is pre-existing

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

4. Unusual wear and tear

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

5. Code Violations and improper installation

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

What should a customer do when claims are denied?

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

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

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




This week’s featured review comes from Polly, posted in 2-10 home warranty reviews section. HWRCopyright

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The only way we ever got HBW to pay anything on a claims for construction defects was because we had a way to avoid their arbitration process. Despite a federal law that said we didn’t have to arbitrate because we had a government backed mortgage, HBW kept trying to get us to arbitrate our dispute with the builder, with an arbitration company they mandated. If you have FHA or VA financing your lawyer needs to make use of this federal law, Title 24 of the Code of Federal Regulations, Section 203.204(g). It says “judicial resolution” has to be an option along with arbitration. I believe it also says that for FHA and VA buyers arbitration has to be at no cost to the homeowner so if you get sucked into it and it’s too late to get out it at least should not cost you extra to get hosed.

Their arbitration company CAS was owned by a disbarred lawyer. We found out about many problems with their arbitration.

HBW was offering only part of our damages and acceptance of their offer would’ve required we give up claims against the builder for the rest of our damages. This would’ve ruined us financially as the damages were severe, with many serious defects in a brand new house.

The way most if not all these new home warranty policies work is that they protect the builder. They do little for the homeowner unless you have time to learn quite a bit about law, consumer protection, etc. This became a huge time consuming operation for us but we eventually prevailed and settled our case. By avoiding their arbitration process we were ABLE to pursue it. In arbitration we’d have probably lost or had to accept the low ball offer.

I learned a lot about warranty companies from some consumer protection groups, and my own research. First, most are not insurance and therefore are not regulated by the state insurance departments. Warranty companies are actually “Risk Retention Groups,” not insurance. Even their so-called insurance backing, National Home “Insurance” Company, is an RRG.

The contract to buy a warranty policy is between a builder and the warranty company. The homeowner rarely knows what terms these two companies have bound them to until it’s too late, for example the arbitration clause in the warranty that you don’t see or don’t realize what a trap it is, until after you’ve bought the house.

I have since seen court cases that said HBW’s arbitration clause is “unconscionable” and unenforceable, but unfortunately many other court cases said that thought it was unfair it was still enforceable. You can find many of these cases discussed online by Googling this company or its chosen arbitration company, Construction Arbitration Services.

No surprise at all to see so many negative ratings here for HBW and I suspect most similar companies have similar comments/ratings. To top it off, during our dispute, HBW still sent us letters asking us to renew their “coverage!” What a joke. Don’t think you have much protection with a home warranty. They are mostly a marketing tool to sell houses, and their coverage for the homeowner is more of a false sense of security.




The Internal Revenue Service (IRS) allows several home related expenses to be deducted from income tax. While most homeowners enjoy tax exemption on expenses like mortgage interest, property taxes etc, some are unaware whether home warranty premiums are allowed deductions.

When some of our readers approached us with this question, we realized that this could be a common question among homeowners across the country. We have tried to address that concern up to the best of our ability and we hope that this article will clear up any confusion you had about such tax deductions.

Home Warranty Premiums Tax Deductible

Tax exemption on home warranty premiums

As you may know, a home warranty is essentially a service contract that agrees to provide you with discounted repair and replacement services. In the United States of America, homeowners unfortunately do not enjoy the benefit of exemption on a home warranty premium you pay for your residence.

However, warranty premiums can be tax deductible if they are on an income producing building. Which means if your house is something like a home office or if it is a house that you have rented out, the premium you pay towards home warranty will be considered as a deductible expense.

A premium paid towards home warranty is considered as a pre-paid maintenance cost of your home and will therefore be non tax deductible. Which means that repairs and replacement costs, no matter how they are covered, will not be a valuable tax deduction.

If you are a tenant in some house that enjoys the protection of a home warranty plan you pay for, you will not be able to claim exemption on its premium. Only the owner will be able to consider premiums as deductible expense.

Will expenses toward repairs not covered by warranty be tax deductible?

Even if you don’t have a home warranty or a home insurance policy, expenses towards repairing and replacing household appliances/ systems will be considered as maintenance costs and hence will not be tax-deductible.

In this case too, if the repair/replacement was needed for an income producing building/home, you may be able to claim an exemption.

Are home insurance premiums tax deductible?

Typically, no. IRS allows homeowners to deduct private mortgage interest from federal taxes. But, homeowner’s insurance premiums shall not receive tax exemption. Same applies to flood or title insurance. This is pretty much the way home warranty premiums work. Unless an income is generated by the building like in the case of rental properties or home office, you are out of luck.

What home expenses are eligible for tax exemption?

IRS allows the following expenses to be considered as tax deductible expenses-

  • Mortgage interest payments
  • Taxes paid towards real estate
  • Payments towards mortgage insurance premiums
  • Uninsured losses due to hazards or crimes

The following are considered as non-exemptible expenses-

  • Homeowners insurance or in general any insurance against hazards
  • Payments towards mortgage principle
  • Home maintenance and related expenses
  • Home improvement expenses

Being on the safer side

We have noticed that it is a common practice to confuse home insurance and home warranty. While homeowner’s Insurance is mandatory for homes with mortgages, a home warranty is usually a choice. Though home warranty premiums may not help you save tax dollars, if your home and its contents are 4+ years old, they are a very wise purchase. Such service contracts provide you with discounted repairs and replacement services if your appliances/systems break down due to normal wear and tear, such damages are typically omitted by homeowner’s insurance. At the end of the day you save more money if you pay premiums for a warranty than if you pay for a repair/replacement job.

If you are worried that a home warranty is going to be expensive, we earnestly encourage you to use our website to get a free quote. You’ll be surprised to find that there are some companies that sell warranty products at compelling prices, some even at zero deductible rates. You can also browse through our site to compare plans and their features. While you are at it, don’t forget to take a look at top ten companies and our annual home warranty award winners!

Our readers are welcome to reach out to us should they have any questions or concerns. We hope that you found this article helpful and informative. Thank you!




New York Attorney General has sued National Home Protection home warranty company and its principals over an alleged warranty scheme that defrauded consumers in New York and other states out of hundreds of thousands of dollars. The AG froze all of National Home Protection’s assets, so customers who got ripped off, can hopefully at least get back some money.

The company has been shut down for the time being and banned from selling again in New York until their problems are settled and they register with the State Insurance Department. If you signed up for a home warranty through National Home Protection, file a complaint with the Attorney General’s office.

The New York attorney general says a New York City-based home warranty company cheated customers in at least 32 states out of hundreds of thousands of dollars. Their home warranty plans promise to repair or replace household appliances and systems if they break. Pending court action, the company can’t sell any more out of New York.

Consumers with complaints against National Home Protection are urged to contact the Attorney General’s Consumer Frauds hotline at 800-771-7755. New York consumers may also contact their local regional office. Contact information about the Attorney General’s regional offices can be found online at www.oag.state.ny.us.




As a landlord, legal responsibility is a bigger issue for you. You need to guard yourself against the losses that can potentially crop up to your properties and in general financial health. What if your occupant is hurt on the rental possessions? You want to be sure that if you are prosecuted, you have the adequate insurance to lend you a hand.

Insurance Landlord needs

As a landlord, you should guard your income stream and that’s your rental income. If the structure is adequately spoiled then it is not possible for the renter to dwell in your property, so you require a protection to your rental income so as to meet your obligations, together with the mortgage on the property, if any. This is where you have to reflect carefully on what your exact needs are and purchase the right coverage.

Take heart! While it may sound scary, insurers have previously designed policies for the landlord’s requirements. Always remember that there will be a dissimilarity in these policies, so you will have to verify the fine print and choose the one that suits your situation. By shopping around, you will get a better idea of what is obtainable in coverage and at what price.

Essential Insurance for Landlords

There are some forms of insurance you can take to make your life simpler and less of a burden. Here is a list of essential insurances that a landlord must have:

Get a Home Warranty

Landlords most likely take issue with this one, as it appears to take money out of their pockets-especially those with the ability to do repair work themselves. However, you can draw a better class of tenant if they recognize that there’s a warranty in place. (i.e., they won’t have to hunt you down and request you to come by to make repairs). Besides, it will free you up to truly manage your belongings as an owner rather than just a handyman. To end with, a home warranty policy will pay for itself with one or two repairs.

To get an estimate of home warranty costs for your rental properties, visit our home warranty price quote section

Landlord House Insurance

If you possess a home then you likely know the significance of ensuring that it is properly protected. Having the correct insurance for your property is a good step towards making sure that you have the guard you require. Landlord house insurance is essential for anyone who possesses a home. The key to home insurance policies is ensuring that you receive the best price for your insurance.

Below is a list of ways by which you can decrease the rate of your insurance policy.

  • Security System– If you set up a right security system that can sense fires or thieves, then you can find a reduced rate on your insurance policy.
  • Increase Deductible– You can ensure to pay a lower amount for your insurance plan by increasing your deductible payment. The deductible is the payment that you are required to pay once you make a claim on your insurance plan. Make sure that you find a good deductible rate for yourself.
  • Remove Potential Hazards– If you stay in an area that is bounded by trees then likely you have a high risk of a fire occurring. By clearing the trees you may be able to save money on the insurance. Based on the circumstances you may have to shell out a higher premium for your contents house insurance.
  • Find the Right Lender– The best way to save money on your landlord house insurance is to gaze around. Start a search online and hunt for different companies that provide reasonable insurance for your home. You can obtain free online quotes for house insurance from different companies but make sure that you get comprehensive quotes for your insurance. Get the details of the coverage and don’t be fooled by any company as the offer really low prices because they normally have high deductibles and bad coverage.

Landlords Contents Insurance

Many landlords believe that they do not require any insurance for the contents in their buildings. They hold the impression that these contents are taken care of by the building insurance they procured. However, that is not the actual case. To get the contents covered, they will have to spend extra in landlords’ contents insurance. Some landlords even feel that the contents will be covered by any insurance policy the tenant holds. But the actual fact is that the policies bought by the tenants will only cover possessions of the tenants and not that of the landlord.

If the landlords truly worry about the contents for which they put in a huge amount of money, they must procure landlords contents insurance. In this way, they can expect to get some reimbursement for the items in case they are damaged. Having no insurance for these items will leave them totally destructed if they face any incident causing damages.

Umbrella Insurance Policy

It’s called “umbrella insurance as it is intended to give liability protection beyond when the liability on other policies has been exhausted. Depending on the insurance company, you can obtain an umbrella policy with an extra one to five million in liability protection.

Umbrella Insurance gives an added layer of liability coverage. It’s isn’t just for rich and famous. Whether it’s an incident on your policy or a serious auto accident concerning costly medical bills, you can find yourself liable for damages that exceed the limits on your homeowners, auto or boat policies. A pricey judgment is the last thing you want to be anxious about.

Landlords habitually handle different types of policies, but one of the most significant and frequently unnoticed types of insurance is the umbrella insurance policy.

Consider these factors if you are not sure if you would benefit from procuring umbrella insurance or not.

  • Rentals– Though you carry an independent fire policy for each home, umbrella insurance can help you protect in case your tenant or tenant’s guest are injured on a rental property.
  • Vacant land-Your vacant land can be used by neighborhood children to play. If one is hurt it could result in an expensive lawsuit. In such situation, umbrella insurance can offer additional coverage.

Taking no notice of these insurance policies is not recommended anytime. The consequence of such ignorance could lead to serious losses that will be hard to recover. On the contrary, landlords are strongly suggested to make an investment in such policies that will save them a lot of money in case of any accidents.




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

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

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

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

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

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

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

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

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

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

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




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

Types of Warranties

Home Warranty

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

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

Manufacturer’s Warranty

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

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

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

Seller’s Warranty

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

Extended Warranty

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

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

Home Service Contracts

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

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

Make sure you know and understand:

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

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




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

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

Home Warranty Dummies

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Coverage

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

How Does Home Warranty Plan Work?

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

Claims

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

However, common reasons for denial are as follows

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

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

Premium and Deductible

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

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

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




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

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

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

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

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

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

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

 

Ellen Terry

Best-Agent-in-Dallas

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

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

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

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

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

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

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

 

Rene Burchell

Top-Agent-in-Dallas

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

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

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

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

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

 

Dani Hanna

Expert-Agent-in-Dallas

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

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

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

 

Debbie Murray

Super-Agent-in-Dallas

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

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

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

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

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

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

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

 

Laura Michelle

Awesome-Agent-in-Dallas

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

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

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

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

 

Tom Rhodes Jr.

Best-in-class-Agent-in-Dallas

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

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

 

Bill Shields

Experienced-Agent-in-Dallas

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

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

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

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




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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Any homeowner who lives in Nevada and is shopping for a home warranty, also called a home service contract, will want to read this article. Why?  Well, for one reason, HomeWarrantyReviews.com is one of the most established sources of reviews for home warranty companies in the U.S. And thanks to the thousands and thousands of reviews we’ve compiled on our website, we can offer you fair and objective input regarding the home warranty companies in Nevada that are doing the best job serving their customers needs.

Home Warranty Companies in Nevada

So, which home warranty companies are the best in the state of Nevada? Let’s find out!

Nevada is a state with extreme temperatures.

Nevada is famous for its desert areas, Las Vegas in particular. And with desert days you can expect several months of daily average temperatures above one hundred degrees Fahrenheit. As if the desert days are not challenging enough, desert nights can be a bit extreme too, temperatures plummeting from the daytime highs. When you push your heating and cooling systems to their limits you increase wear and tear and increase the chance of encountering frequent problems. With this in mind, Nevada homeowners should carefully consider their choices of home warranty companies, assuming the heating and cooling systems will be covered items.

All of the top companies listed in this article have something in common. That common thread is quality service. No matter what appliances and systems you want covered, you primarily want to know that when something breaks down it will be fixed quickly and correctly. And for that reason you can compare one common aspect of every home warranty company, that being the performance of the company when claims are filed by customers. To do that though you need real, accurate, fair feedback from homeowners like you. Luckily, you’re at the right place for that.

Ranking Nevada’s top companies requires real, honest consumer testimonials and ratings.

HomeWarrantyReviews.com ranks companies based on user feedback, not based on how much companies pay for advertising. You will find that some other websites that rank home warranty companies do not do the same thing. If you trust a website that ranks companies arbitrarily then you may not be happy with the end result. What we can offer you below is a list of top companies that service the state of Nevada, a list that is only influenced by consumers just like you, people with direct experience filing claims with these companies. So get out your paper and pen. Here is the list of top companies servicing Nevada, based on the current standings on our website.

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

A great home warranty company needs an outstanding repair contractor network.

You may be familiar with these companies. All of these companies advertise their services widely. But what makes them so successful in Nevada? As is the case with nearly any home warranty company, a great repair contractor can make the customer experience much better than it would have been if the home warranty company didn’t have a good network of qualified contractors in the area. Home warranty companies have to work very hard to make sure they have enough contractors in each area they service. The companies also must maintain records of customer satisfaction in order to ensure that the contractors are making their customers happy with each service call. So how do these companies do with regard to customer satisfaction if you focus on the contractors doing the work? Read on to find out.

1. American Home Shield (AHS)

When you have as many customers as American Home Shield does it becomes a challenge to keep them all happy. But AHS has clearly made a good impression on its customers in recent months. Just scanning through the top ten reviews we found nine of ten reviews with very high ratings and very positive comments specifically mentioned the great service from the repair contractors. In several reviews the comments referred to AHS’s consistent delivery of timely, high quality repair services via the company’s contractor network. And that network is one of the strongest reasons for choosing a top rated company like AHS.

2. The Home Service Club (HSC)

In eight of ten recent reviews we examined we found specific praise for the repair technicians that The Home Service Club sent to their customers’ homes. Though there were two negative reviews in the group we looked at, overall the customer reviews were consistently positive, particularly with regard to the time it took to receive repair services and the accuracy and cleanliness of the work performed. HSC appears to have good contractors working with them in most areas they service and appears to have a very efficient process for dispatching contractors when claims come in.

3. Select Home Warranty

In the case of Select Home Warranty we found that nearly all of the recent reviews had extremely positive things to say about the claims process, from start to finish. One reviewer contacted Select after 11:00 pm to report an air conditioning problem and had a contractor at his home within five hours. Another reviewer wrote that Select Home Warranty authorized the use of a repair contractor the homeowner picked, instead of asking the homeowner to wait for a network technician to be available. Stories like this are not altogether unheard of in the home warranty industry, but when you see consistently high praise for the timeliness of repair contractors arriving after claims are filed you know you are looking at an exceptional company. And that is the type of company that every homeowner wants to do business with.

4. Landmark Home Warranty

Landmark Home Warranty has some very happy customers. Looking through the company’s recent reviews we noticed that all are positive and nearly every one gives specific credit to the customer service representatives and the repair contractors. This sort of applause from customers is important, because when you see that most reviewers are happy with the entire claims process, end to end, you can expect that the company will deliver similar results to any of its customers.

5. Home Warranty of America

Home Warranty of America, like the other companies listed here, has a very high rate of great review comments and ratings. With only a handful of negative reviews among the many that we examined it’s not surprising that HWA consistently ranks among the top companies on our website in most of the areas the company services. Many of the reviewers indicated that they were introduced to HWA’s services by a real estate professional. In some cases real estate professionals themselves took the time to write reviews. So it’s possible that many of our Nevada readers can learn first hand about HWA from the professionals helping them list or purchase their houses.

Now we see why these companies are tops in Nevada.

Being great in any business means being great consistently. What our readers can take away from this article is the benefit of thousands of consumers’ personal experiences. Knowing that so many customers in Nevada have been pleased with the service from these companies, readers can be much more confident in considering any one of these companies for a home service contract. But don’t just take our word for it. While you’re on our website we encourage you to read reviews about home warranty companies, not only for these ones but for any others you may be considering.