How a home warranty benefits for aged? You might ask! Visualize this scenario: In your later part of life, when all the burdens have been released, you decide to finally live in peace. Enjoying all the luxuries of life, you decide to have a cup of coffee with the morning newspaper. And right at that time, you notice your ceiling fan is not working leaving you to sweat out all your calmness. You are now sitting there, brooding over the broken fan.
It is at this time, the role of Home Warranty comes into play and you can comprehend the home warranty benefits for aged.
Home Warranty aids you by taking up your responsibilities of such broken appliances and types of machinery. American Home Warranty Companies provide you with the service contract of repairing or replacing the damaged appliances. Thus, the elderly at home need not fret about any appliance that has gone old. Now that’s a home warranty benefit for aged if you ask us!
There are a lot of incapabilities that comes along with old age. Elderly folks do not have the energy to go out every time when an errand has to be done. Thus, an intervention into the lives of the aged, in the form of a home service contract can make a lot of differences in their lifestyle. Home Warranty or Home Service Contract helps them immensely this way by interceding to help them out. The elderly have to just dial the number of their preferred Home Warranty company.
When a repair has to be done, the Home Warranty company will send a technician to their home for repair. The incapacity to go out and search for a technician is a serious problem. With Home Warranty, the elderly would not have any such unwanted physical stress.
After thoroughly checking the Top Rated companies on the HomeWarrantyReviews.com, evaluate the companies that offer maximum benefits and get a quote. The problem is sorted. Thus, turning the negative of old age to a positive of peace of mind garnered by the home warranty benefits for aged!
By sending an authorized technician from the Home Warranty company, the vulnerability of being tricked on repairs is avoided. It is often a serious affair to find a trustworthy technician who knows what is to be done and how it can be done with minimum cost.
An efficient technician is one of the home warranty benefits for aged, who are not aware of the technicalities of appliances and can be easily fallen into the pit of deception. The elderly at home can pick up the phone and the companies are just a call away. And moreover, as an icing on the cake, the repair contractors provide the aged customers with necessary insight for further maintenance, which is such a relief to understand the proceedings.
After retirement, the income of the elderly decreases relatively. Keeping that in mind, if any major repair or maintenance has to be done, a huge chunk of money is spent on a single appliance itself. This adds to the insecurity of the elderly. To avoid such bulky expenditure, home warranty provides with the option of repair contracts with lesser spending.
Even with a standard Home Warranty Plan ranging from $200 to $600, most of the appliances are covered. After every issue is raised, a mandatory deduction of $50-$100 is done. Some companies even provide with Zero Deductible Services. Hence, Home Warranty assures a sheltered old age.
Here’s a thing for the children who are either working/living away from your Aged parents. A peaceful life is all that the elderly look forward to. Who would expect a heater break down in the cold American winter when your parents are all by themselves? A situation of helplessness arises. It would be an unpleasant state for you to see them suffer. Therefore think afar and get a Home Warranty quote for your aged parents.
Home Warranty covers the repair works of the appliances at home to avoid any kind of panic at old age. All you need to do is go to our website and read some of the home warranty guides completely. Decide on which warranty provider you are going to opt for after going through the Reviews.
On another note, your warranty provider may sometimes deny covering your claim due to various reasons. Unless there is a valid reason, no claims are denied.
Meanwhile, for the convenience of elderly, HomeWarrantyReviews.com provides you with the option of estimating your Home Warranty costs with the Home Maintenance Calculator. Thoroughly assess it and come to a conclusion. Choose the wise way to be protected. Then sit back and relax! Enjoy the perks of being old! With a lot of free time and favorite things to do, but never have to sweat when the Air Conditioner breaks. Because all you need to do is make a call to your warranty provider!
HomeWarrantyReviews.com has, for many years now, been the only place online that homeowners could trust for free reviews and ratings of home service contract companies in the U.S. That is changing, as companies like Yelp offer consumers reviews on a great diversity of different products and services, home warranty included. In the past we did our best to help our readers with their decisions, making it possible for them to find ratings and reviews from real customers for a wide range of home warranty companies. But we know that consumers today need more than just reviews. Readers need to know that the products or services they’re considering are worthwhile and worth the expense. That’s where our new calculator can help homeowners who are not yet certain they need a home warranty.
Before we start going into the details of how our calculator can help with the decision to buy or not buy a home warranty, let’s look at the home appliance maintenance calculator page for a moment.
The calculator is designed to give the user a fairly accurate estimate of two costs. One is the cost of a home warranty, and the other is the cost of annual home repairs. These are only estimates, of course, but they’re based on data that we believe is fairly close to what the average homeowner will incur in annual repair costs versus the average cost of a home warranty and its service call fees. For a homeowner trying to decide what to do in advance of things around the house breaking, it’s extremely helpful to have a calculator like this. That’s why we took the time to create it and share it with our readers.
Here’s how it works for the user:
There are three tabs present in the calculator, and each one helps with a different part of the decision a reader may be making about a home warranty purchase.
The first tab calculates the estimated annual appliance maintenance cost. It allows the user the option of customizing the cost settings or using the default settings, with regard to the age of the house, the age of certain parts of it which might be covered by the service contract, etc. These defaults are often perfectly suited to a house, but when they’re not then the customization becomes important. Changing the defaults to the exact specifications of the user’s own home will produce an even more refined result and give better insight into the estimated cost of a home warranty versus the estimated cost of average out of pocket repairs.
The second tab provides the estimated average home warranty cost. It is broken down visually in a pie chart, so it’s easier for a reader to gather how much of the cost is service call fees, typically paid to the repair technicians, and how much is the premium paid to the company.
The third tab shows the estimated average home repair costs, the out of pocket costs a user might expect to pay out of his or her own pocket each year for unexpected problems around the house. Side by side with this estimate is the home warranty cost from the second tab. Again, there’s a helpful chart which makes it clear which estimated cost is greater.
In addition to the basic items covered on the list of things that influence the price of the home warranty on tab one, there are also appliances that a user can choose to add. In addition to that, a user of the calculator may also choose to select a zero dollar service call fee on tab one, something that comes in handy when talking with companies that offer their customers this lucrative incentive to buy.
What about users of the calculator who know that their service is more than the $60 factored into these calculations? That’s a pretty easy problem to fix. Assume that a typical homeowner will file four service claims per year. With that assumption, simply multiple the amount over $60 by 4 and add that to the home warranty cost in the second tab. So, for a homeowner who has an estimated annual cost of $650 for a home service contract, including the service call fees (or deductibles) the math needed for a service call fee of $100 would look like this:
By simply adding in the different amount you pay for service call fees a user can make this calculator’s results even more precise than before. And customizations don’t need to stop there. A homeowner who knows he or she has more or less than four service calls per year may make those adjustments as well. The calculator does a lot of the work in estimating average savings with a home warranty. But any precise detail a user can add in will help in making a more informed decision about whether to buy a home warranty or put money in savings to cover future repairs.
Readers who try out the calculator may want to read more about how much they might save with a home service contract. To learn more about this, here on HomeWarrantyReviews.com, check out this helpful article about the things that affect a homeowner’s savings from a home warranty. Combining the information from that article with results from the calculator can really help with what might otherwise be a tough choice.
And the help we can offer our readers does not end there.
Take a look at the comparison banner at the bottom of the calculator. It’s visible under each tab. By clicking on it, users can quickly begin to compare companies that provide home service contracts. To do that, click on the banner, or just click here to compare the top ten home warranty companies. To fine tune your results, just follow these steps.
HomeWarrantyReviews.com is proud to offer the home appliance maintenance calculator and the company comparison tools. And of course, our main mission is to bring our readers first-hand experiences from other consumers who have bought home service contracts and filed claims with specific companies reviewed and rated here on our website. We invite readers to take advantage of the tremendous amount of information here on our website and make the most informed decisions possible about their home warranty purchases!
Do you have a trusted appliance lying around your household for the past few years that you don’t want to give away or replace? Yet you are worried that it’s going to crash pretty soon leaving you with no other option other than repairing it or replacing it with a new one? Fret not! This article will shed some light on how to insure your household appliances against potential breakdowns
Let’s begin by comparing Home Warranty from the Homeowner’s insurance policy. The primary difference between the two is that Home Warranty covers repairs and replacements of failed appliances and systems, while the the Homeowner’s Insurance covers damages caused to your home and its content by natural hazards or theft. You can always find a contractor to repair your damaged appliances, but more often than not the costs involved in such scenarios are rather high. The other option that you have is to apply for a Home Warranty plan.
The Home Warranty plan is a contract of service that covers repairs and replacement of appliances and systems in your home. Depending on the kind and extent of coverage you wish to avail, the annual premium for the Home Warranty plan can range anywhere between $ 250 to $ 450. In addition, each time you approach the warranty company for a service, you have to pay a service fee usually called as the deductible. This is around $ 50. You can take a look at the table below if you want to know he systems and appliances that are covered under the Home Warranty Plans.
If you have doubts regarding whether or not your appliances need a Home Warranty Plan right now, take a look at the following chart. It tells you what the average lifespan of the common household appliances.
Now lets discuss the most important question.
Let me clear the former first. You have two options, you can either avail an extended warranty for each appliance or you can get a Home Warranty which covers all your appliances. Although, getting extended warranty on each appliance is not a wise decision, the best way out is to get a Home Warranty.It is also suggested that if your appliances are not new and over four years old, getting a Home Warranty will turn out to be highly useful. However, if your home and the appliances you own are reasonably new and still covered by the Manufacturers warranty, you may want to consider taking an extended warranty. You can click here for further details and comparisons between the two.
If you are wondering how this works then here’s the answer. The company offering a Home Warranty plans often sign contracts with vendors offering repair services to appliances. Each time you approach your warranty provider with a claim, they call up these repair facilities which in turn sends a technician to evaluate the condition of your appliance.He shall decide if your appliance needs to be repaired or replaced.Service charges(deductible fee) of the technician shall be paid by you and it is always nominal.
If you have read so far, then it would mean that you are genuinely interested to know as much as possible about Home Warranty plans. Few hiccups that you may encounter are as follows:
It is again stressed that you read your contract carefully and have it looked over multiple times , paying immense attention to the monetary factors.
Despite the issues that were mentioned, it is advised that you insure your appliances by availing a Home Warranty Plan. Costs incurred during repairs and replacements can be considerably reduced if you have a sound Appliance Protection plan. Also, if you choose to sell your home while the Home Warranty plan is still valid, the value of the property is likely to be higher than when it is sold without a Home Warranty. Most buyers recommend strongly in favor of Home Warranty plans. You are likely to do the same if your choice of home warranty provider is good.
Here is the summary of benefits you shall have if you avail a Home Warranty Plan
May it be reminded again that reading the contract well is of utmost importance. You can get a free estimate on home warranty from top rated companies on our website before you purchase the plan.
When it comes to appliance warranty protection plans, the choices are plenty. Should you buy a comprehensive home warranty or extended warranty at the point of sale? While home warranty is like an umbrella insurance that covers all major home appliances, extended warranty is purchased for each appliance separately.
Home warranties will charge annual premium and deductibles per repair incident but they can be purchased anytime during the life-cycle of the product. Extended warranties will charge up front fees, but no deductible per incident and these protection plans are generally sold during the initial stages of product’s use, although there are exceptions.
Generally, home warranties cover all used appliances, but extended warranties cover new items only. Recently, Warranty Week ran an article that questioned whether there is an overlap between the two. They interviewed several executives from home warranty and extended warranty companies. The general consensus appears to be that, there is some overlap, however two types of warranties serve different purposes.
Mike Frosch, president of The Warranty Group, North America, said “Home warranties are great, when you’re buying or selling a house and want to cover used appliances immediately. Service contracts are great, when you’re shopping for new appliances and want to extend the manufacturer’s warranty for additional years. So in a sense, the coverage may overlap, but the offers don’t really compete. When you buy a home warranty, for the sake of argument let’s say it’s $450. It’s a one-year coverage on used equipment. It’s providing some coverage on some amount of appliances, but it’s really about heating, air conditioning, plumbing and electric”
In our view, they do overlap if you are talking about big ticket appliances, but there is no need to buy both. If you are buying a new appliance, chances of it failing in the first 3-5 years is far less assuming you have researched the product before buying. So, there is no real need for extended warranties.
However, if homeowners still want peace of mind coverage, then they should simply go with home warranty as it covers all appliances in your home not just one specific product. The home warranty costs are higher than the extended warranty, however it covers far more items and you have a single point of contact for all repair needs.
Extended warranty companies argue that they provide better service and offer more economic protection plans. The argument is compelling on the surface, but keep in mind home warranties are useful where there is frequent need for repair such as old appliances.
We wonder what would be the service level if extended warranty companies offer maintenance service of 10-15 years old appliances such as heaters and air conditioners. The repair needs are much higher and their profit margins are much lower. Generally extended warranties are bought for new electronics items and repair incidents are much lower. For this reason, we think it is a wise decision not to buy extended warranty at point of purchase.
Moved into a new home recently? Congrats! We hope the new home brings you loads of happiness. While you might not have started enjoying your new home yet, we’re sure you’ll settle in quickly. Now, this brings us to the topic at hand – what are the most vital elements for a functional kitchen?
If you are a first-time homeowner, things may seem too much to handle, but believe us, by the end of this article, you’ll know exactly what you’ll need for your kitchen.
Before we begin, let us make it clear that we are going to provide you with a list of things that will make your kitchen “functional” and not completely equipped. Only the most essential things will be described in this list. So, if you are a budding chef, this may not be the list you want ;).
So, in no particular order, here goes-
The very idea of having a kitchen is that you can cook your food, which is hard to achieve without a stove or an induction cook-top. Of late, people have been favoring induction cook-tops owing to their many, many advantages. Primarily because they come in compact sizes, generate less heat and do not require gas to function. It also has the added advantage that it is portable. That said, there are still folks who believe that a stove with a fire in it is essential for four walls to become a home.
Give it some thought and depending on the amount of cooking you plan to do, select which type of and what sized stove/induction cook-top you want.
Can’t do without this one either. Nobody can guarantee that you’ll finish all the food you cook. So unless you are heartless enough to simply throw the excess food away, we recommend that you get a refrigerator. Besides, you’ll need a fridge to store some of your groceries, milk, vegetables, fruits and other basic edibles, as most of them decay quickly unless kept chilled.
Thankfully, refrigerators come in all sizes and power ratings. This means that there are plenty of options available in the market to suit your budget and your refrigeration needs.
Well, you’ll need to heat up all that food you refrigerated, right? Third on this list is the microwave oven which can also multitask as a cooking, baking and grilling appliance should you choose to buy a high-end model. Microwave ovens became a really popular by the 1980’s and in no time became a household staple.
Microwave ovens too come in various sizes and features making it easy for you to pick the one that suits your needs. Mind you, if you get an oven, you may need to buy some special microwave safe containers too.
Unless you plan to boil liters and liters of water using up copious amounts of gas/electricity, investing in a good water purifier may not be a bad idea. It is strongly advised that you don’t skimp on your water purifier because the quality of water you drink largely decides how healthy you will be. Besides, boiling water may not remove harmful chemicals that could potentially damage your kidneys.
Food processors and blenders help save you tons of cash on canned purees and pastes. Besides, nothing matches the flavor provided by freshly ground purees and pastes. If you think you don’t want to buy an expensive food processor right away, opt for a counter-top mixer instead. The high-end mixers often come with features like a chopper, grinder etc that would help you save time in cooking but could be a little expensive.
Keeping any appliance in good working order requires regular, if not frequent, maintenance checks and cleaning. We have a host of articles on how to keep your household appliances well conditioned. We recommend that you begin with a checklist for maintaining your refrigerator. You could also look into our article on the list of appliances that makes a homeowner’s life easier.
What’s it like right now out there for home sellers? Well, for one thing, despite the wild gyrations of the stock market over the last several months, houses are still being sold. Not only are houses selling but many regions are showing signs of solid home value increases as inventory hits a bottleneck. This is the good news. The not-so-good news is that parts of the western U.S. are not enjoying the rising sales prices. As homes in those parts of the country stay on the market longer, sellers find themselves in competition with other home sellers. And that leads to knocking prices down or making other costly concessions to close a sale. If that sounds like your situation then what can you do? What can any seller do when a house doesn’t sell as quickly as desired? The answer to that question is many things. But one thing in particular is relatively inexpensive and easy to accomplish. That one thing is buying a home warranty.
Home warranties have not exactly been praised in recent years, so it might seem unlikely that anybody will see these contracts as a big plus. But that’s a widely adopted misconception and one that deserves some closer inspection.
I asked the founder of the home warranty industry, American Home Shield, to help me understand why their customers involved in real estate sales are choosing to cover their listing periods and buyers’ first years of ownership with a seller provided home service contracts.
Lisa Rice, National Vice President, Real Estate Sales at American Home Shield answered the call for information with some details that real estate professionals and home sellers may want to consider when deciding whether or not to buy a home service contract.
What types of home warranties are available to home sellers right now?
American Home Shield offers different levels of coverage for homeowners in any number of situations. Sellers can offer any of our AHS packages to the buyer at closing – Shield Essential, Shield Plus or Shield Complete. Shield Essential, for instance, provides comprehensive coverage to a seller on their “essential” systems that could fail during the listing period. Further, a seller’s portion of coverage is paid at “closing” – so there is no up-front out-of-pocket expense to the seller.
What is the average cost of these contracts?
Our prices vary based on the part of the country you are in, but in some parts of the country, you can get our basic Shield Essential plan for less than $2 a day. The Shield Essential plans cover major appliances and home system components.
Do these contracts typically help homes to sell faster? If so then can you cite any statistics?
According to a 2013 real estate study conducted by NRT, we found that homes with an AHS Home Protection Plan sold an average of about 11 days faster and about $2,300 more than those without a home warranty — that’s over three times the average price of the plan itself. Also, in many states where multiple offer situations are a reality, buyers might choose to provide sellers coverage during the contract escrow period to make their purchase offer more attractive. This is a tremendous benefit for the seller.
Can you say what percentage of these contracts result in paid claims?
An American Home Shield customer uses their plan an average of two times per year. We accept and pay more service requests than any other home warranty company in the nation. In the past three years, we have serviced about 93 percent of claims. That’s added up to $1.7 billion over the last 5 years and $3 billion in the last ten years.
Lisa’s feedback helped greatly. Even as someone working on the marketing side of the home service contract industry I still need to understand why the industry keeps growing its customer base, despite so many consumer advocates and other critics lambasting home warranties as a waste of cash. But there were still questions that I have seen and heard from homeowners not familiar with the home warranty. And a few of those are important to air out, in my opinion.
Isn’t home warranty something that overlaps with homeowner’s insurance?
Absolutely not. But this is still a good point to address. It’s a common misconception among a large percentage of homeowners in the U.S. Truth is, your homeowner’s insurance mostly covers the unforeseeable things that happen TO your house. Home warranty covers the things that happen in your house that is expected, even guaranteed to eventually occur. Your insurance is a wager of sorts between you and the company issuing the coverage, their bet being that you’ll pay a lot more in than you ever get out in claims. Home warranty pays for things that are much, much more likely to happen to almost any coverage purchaser, things like dishwashers wearing out and refrigerators needing replacement. This is where the common complaints about home warranty are most easily linked to the nature of the service promised to customers. Homeowner’s insurance is typically far more expensive to maintain per year than a home warranty would be for the same house. Why? Well, the main reason seems to be the price that customers are willing to pay. People just don’t want to spend as much on home warranties, it would seem, as they do their insurance. But by looking for the absolute cheapest home warranty you are practically inviting problems down the road. Like insurance, the home warranty can’t operate profitably for the company unless more money comes in premiums than goes out in claims. Homeowners would do well to keep in mind both the differences between homeowner’s insurance and home warranty and the dynamic at work inside the companies. Sometimes you really do get what you pay for!
This one is easy. HomeWarrantyReviews.com is the best place to narrow down the options that a homeowner has for home warranty coverage, no question about it. You won’t find a website that has been around longer than this one, when it comes to providing unbiased consumer feedback about home warranty companies.
This is the best and first question a homeowner can ask, in my opinion, when considering a home warranty.
Do you need one? Do you not need one? Is it better to put money in savings or have a credit card with a good sized credit line on standby for emergencies? Is it better to buy the home warranty?
Answering these questions can be as arbitrary as a coin toss for some people, simply due to all the uncertainty involved. Though a newer appliance is less likely to break and may be covered under a manufacturer’s warranty, there is also the matter of how time consuming finding a qualified, reputable contractor can be. And if you’re an investor with multiple rental properties, that time you spend calling around to find a good contractor may be greatly multiplied.
To help you with this decision, I would suggest you read this article here on HomeWarrantyReviews.com, with helpful tips about deciding whether a home warranty is something you need or not.
Kevin Wallach writes about the home service contract industry and works in a marketing capacity within the home warranty industry. He has followed the industry for five years and has worked just as long to help bring customers and companies together through Internet marketing. He also is the administrator of the Home Warranty and Service Contract industry group on Linkedin.
Most of us consider homeownership as a treasured experience. It is a common dream to own a home someday. While the experience is indeed one that gives tremendous joy, it too has a certain not so joyous side. Most common troubles associated with homeownership are usually monetary in nature. Let’s take a look at some of the statistics that are sure to shock you!
For many, the initial days of being a homeowner are filled with happiness and a sense of accomplishment. Once those days pass, the reality sinks in, homeownership is a pricey experience. For those of you who are not aware of the various costs that are associated with homeownership, this article may surprise! We’ve borrowed the results from the U.S. Census Board’s survey that conducted a study to identify the various costs of being a homeowner. Let’s take a look at some such costs
This is a very familiar term. Everyone knows that a house will require maintenance, but does anyone know exactly how much? The Census Board believes that, on average, every home requires annual maintenance costs that is around 1-4% of the home’s value. And this percentage steadily rises as the house ages.
It’s no big secret that appliance repairs/ replacements are expensive affairs. Maintaining them will be hard on your budget if you don’t have any form of protection or service contract for that. As per the studies, home maintenance makes for the biggest chunk of expense any homeowner is bound to encounter.
Research revealed that on an average a $200,000 home will require at least $2,000 in repairs and general maintenance expenses alone. Average appliance repair costs alone range between $100 to $350 in a year. This is precisely why home warranty plans were invented. Such plans cost only around $200-$600 a year and they will provide you with discounted repairs/replacements, which in the long run would help you save thousands of dollars!
This too should be a familiar term. The Census Board says that between the years 2007-2011, around 60% of the counties in U.S. reported the average property tax to be somewhere around $500 – $1,500. Here’s a fact to shock the living daylights out of you, the average annual property tax in Westchester county, NY was $9,647. Worried?
Now this one must not have crossed your mind. Almost all homes in U.S. are equipped in heating and cooling units. As per surveys, home’s using electricity for heating will spend $900, homes using propane $1,666 and homes using heating oil will spend $2,400 on average heating costs.
Cooling thankfully runs on electricity alone and research suggests that on average a home incurs around $300 annually by using air conditioning systems.
Yet another one that makes up for one big chunk of money. HVAC repairs, on average cost around $400 a year. Furnace repairs sometimes cost upto $800 a year. At least for the sake of avoiding such expenses for HVAC units, we recommend that you purchase a home warranty plan. $300 a year for a host of appliances is better than $800 a year for one unit. Is it not?
Sadly this list does not cover all the expenses that a homeowner has to meet, it lists only the main ones. We strongly recommend our readers to go through the various benefits of home warranty and to purchase one if your home and its contents are 4+ years old. You can even use our website to obtain a free quote and to take a look at top 10 home warranty companies.
Our readers are encouraged to approach us should they have any concerns or queries. We hope you enjoyed reading this article. Do come back for more. Cheers!
Life throws many unforeseen things at all of us. As we can’t stop these things from happening, we can choose to give our lives a bit of protection. Insurance is meant to grant us some measure of financial protection, when a disaster occurs. There is plethora of insurance options available and it is suggested by many financial experts to have these insurance policies in place. Yet, with so many choices, it can be difficult to decide what kind of insurance you need to get.
Buying the right insurance is always decided based on your specific situation. There are however, four insurances that are suggested by most financial experts namely life, health, auto and long-term disability. Each of these covers up a definite feature of your life and is vital to your financial future.
The greatest aspect in having life insurance is providing for those who depart. This is really important when your family is dependent on your salary. Experts recommend that life insurance policy should cover “ten times your yearly income”. This amount would give a sufficient amount of money to cover funeral expenses, existing expenses and provide your family a financial cushion which will assist them re-group after your demise.
When estimating the amount of life insurance coverage you want, keep in mind to factor in not only funeral expenses, but also mortgage payments and living expenses such as credit cards, taxes, loans, child care and future college costs.
Life insurance is something that will be required by everybody at some point. Unless you work in the insurance industry or are familiar to somebody that does, what do you really know about the life insurance types that are accessible to you? The answer to that question probably is ‘not a lot’, and why you be supposed to?
Many of us think that there is a common life policy for insurance that everybody procures but this is actually not the case and there is a variety of life insurance that can be bought. Each of the types has its own precise features and benefits that may be of concern to the consumers.
Below is the brief explanation as to what these different kinds of life insurance are in order that you can be familiar with the difference between them.
Life insurance comes in several sizes and shapes, but they generally fall into two categories namely Term Life Insurance and Permanent Life Insurance.
This is the most affordable life insurance and coverage in this type is bought for a definite price for a specific period of time. After the demise of the insured, the recipient will receive the death benefit. It makes the death benefit longer only for a definite period and if the insured doesn’t die within the term of the policy, he gets nothing in return.
This kind of life insurance makes logic if you have monetary needs that will reduce over time, such as a child’s tuition or a home mortgage.
Types of Term Life Insurance
Permanent life insurance by definition is a policy that provides lifelong protection. The policy never ends as long as the premiums are paid. In addition, this type of policy provides a savings element that builds cash value over a long period of time.
Types of Permanent Life Insurance
Once you know the type of protection applicable to you and would like to procure, you can get online rates for the policy you wish. With the help of online life insurance quotes, you are able to examine and compare insurance quotes from various insurance companies.
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
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.
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.
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.
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.
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.
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.
The leading real estate portal Angie’s list has released its annual list of best and worst rated companies based on member surveys. Home Warranty companies topped Most Complained List for 3rd Straight Year. Thirty-eight percent of the reports for home warranty companies were “F” grades. In addition, architects, structural engineering and solar panel companies made the bottom ten for the second year in a row. Angie’s List collected nearly 300,000 reports in 2007 from members who graded service companies on overall experience, price, quality, responsiveness and punctuality.
Here is the list. Visit Angie Hicks Blog to read the complete article Angie’s List Top 10 worst grade earners:
1. Warranty companies
2. Home builders
3. Furniture sales
4. Internet service providers
6. Structural engineering
7. Solar panels
8. Taxi/Shuttle service
9. Entertainment/party services
Angie’s List Top 10 best grade earners:
2. Dog walkers
3. Piano tuning
4. Animal training
6. Hair salons/barbers
7. Upholstery cleaning services
8. Animal/house sitters
9. Window cleaners
10. Lighting services
Can a Contractor benefit from the Home Warranty Companies? There may be universal consensus on the subject which is why this article is dedicated to show how work can be extracted and also examine the full scope of benefits a Contractor can draw from a Home Warranty Company.
The better the reviews for a Home Warranty Company (New York, Virginia, Texas, California, etc.), the better your chances of earning and saving more at the same time. What makes it so attractive is the almost nullification of advertising costs for the contractor. All companies that work along with Contractors offer free referrals to Contractors, to all their home warranty customers.
In order to make the most of the significant market that exists, it is never enough to know the technical know-hows of how to repair electronic appliances but you should also be ready to expend a part of your revenue into marketing your brand.
Another reason it is beneficial to work with a Home Warranty company would be because it guarantees continuous work, and you are less prone to be out of work on a not-so-profitable season. With increasing work calls from the Home Warranty Company, the more chances you have at expanding your brand, either by hiring new technicians or buying new work-enhancing technology. With this sort of reliability, you could be fixing an AC and heater at any time of the year.
This can also prove beneficial to the Home Warranty company too as the contractors provide good reviews of the companies they are working with, increasing their chances of contacting them again or even spread goodwill by word of mouth.
When you decide to take on this relationship with a Home Warranty Company, it is also important for a Contractor to remember that he/she must be efficient in receiving calls from customers, who are directed from the Home Warranty company itself. Customer service is the lifeline on which the success of Contractor business can rely on, especially in the case where you are working with a Home Warranty Company where all your customers are directed from the contact number you provide the company.
Joining bigger Home Warranty Companies can give you a form of exclusivity if one outperforms all the contractors a company has hired. This will allow you to appear at the top of their list of contractors, especially if they provide reviews’ section.
Almost all leading Home Warranty Companies offer online applications which you can fill up in your leisure time and submit with all the relevant information typed in.
Some of these leading Home Warranty Companies include,
The customer reviews’ section within our own website can also be found for some of the top rated Home Warranty Companies like American Home Shield, The Home Service Club, Secure Home Warranty, America’s Preferred Home Warranty-APHW, Select Home Warranty and First American Home Warranty (also picked as 2017’s Editor’s Choice, a brand new category introduced this year).
However, all contractors are requested to review the home warranty companies they’ve worked with on an exclusively dedicated space called the Vendor’s Area. Here, one can dish out all the good and bad experiences one’s had by taking up the jobs given by the home warranty companies.
Some of the benefits to the contractor by working with a Home Warranty Company like above, in addition to the ones already mentioned, would be:
Renowned Home Warranty Companies also help their contractors in times of need, which include an experienced support team and a high limit on calls. Companies like Home Warranty of America also helps Contractors claim costs.
Before filling up your application form to become a Service Contractor, it is a necessary step to license your contractorship. Every Home Warranty Company expects the Service Contractor they are about to work with are certified contractors with a license and hence you are required to fill up your license ID in the application form.
Also you are required to fill in your Auto Insurance Policy Number, and your General Liability Insurance Policy Number (optional). Insurance Policies are in your own interest, hence even if some of them are optional we recommend you create one if absent.
Diversifying your skills can also be very beneficial before applying for a Contractorship with a Home Warranty Company. As you fill up your application, you are asked of your specialization and hence learning new skills can help you strike off more blanks, increasing your popularity among the reviews and consequently help increase your revenue.
Consistent work can be guaranteed when you are able to juggle with different kinds of repairs be it plumbing, garbage disposal, weed/lawn mowing, ceiling fans, gas fireplace or septic system. These numbers can go up to a hundred so a little bit of extra skill can only put you so much ahead of the rest of the contractors.
If you are looking to expand your presence in contractorship, applying to work with a Home Warranty Company is the best as it can get. You can save and earn more at the same time, a chance usually deprived for those working outside of these companies. There are many ways you can utilize such an opportunity, more so as there are numerous Home Warranty Companies and your chances at getting in at any one of them aren’t nearly dim. Go ahead and fill your applications now!
Our portal also lets you access some of the most sophisticated lists of best home warranty companies, ranked on a various different criterion. This is, in addition to the Complaint Resolution Program (CRP) and Home Maintenance Calculator. Be sure to check them out!
Purchasing warranty plans for household items has become a common thing these days. Over time, it has become one of the best ways to protect your budget against unexpected repairs and replacements of damaged household devices.
A Home Warranty, sometimes called an Appliance Warranty is a contract that agrees to offer discounted repairs and replacements of the covered devices. They cover damages resulting from wear and tear and hence are ideally suited for houses whose appliances are over 4 years old.
Home warranties differ from homeowner’s insurances in the fact that the latter covers damages and losses resulting from natural hazards or crimes while appliance warranty covers damages due to regular wear and tear. You can never replace a homeowner’s insurance with a home warranty. It is generally considered that home warranties are best suited for the following people who –
So naturally, they are not suited for people who
There are a lot of home warranty companies offering a range of packages to suit your requirements. So never feel that you have only one option. In fact there are so many options out there that you may want to read a Home warranty buyer’s guide before you make a decision. In general, home warranties are affordable, with the annual premium ranging anywhere between $250 to $1000. The premium usually depends on the amount of coverage you are purchasing.
The advantages of owning a home warranty are many. And also, it is the closest thing you can get to peace of mind when it comes to protecting your budget. Let’s take a look at the pros.
If you have doubts about the devices that are covered and omitted, you can go through What is covered under Home Warranty plans to get a clearer picture. If you are still not sure if you need home warranty or not, we suggest that you read an article on “Do I need home warranty?”, this will certainly give you some guidance.
Home warranty works in a very simple way. An appliance crashes and you call up the warranty company and inform them about the damage. They will ask you to give them all the necessary information like device name, manufacturer’s details, model no, batch no, and other relevant matters.
Once they collect this info, they will call up a service vendor with whom they maintain business ties. The vendor then collects your contact details to talk to you about fixing an appointment. A qualified and experienced technician then comes over to look at your device. If the repairs needed are minor, he will do them right away. However, if major repairs are needed or if parts need to be replaced, the technician waits for the approval of the home warranty company. Parts needed will be procured by the company. You will pay the service call fee to the technician when he comes to your home.
This is not a free of cost arrangement. In addition to the annual premium, you will be paying a service call fee (around $50) each time you place a claim. Like a coin with two sides, home warranties too have a few drawbacks. Let’s discuss them.
Home warranties are indeed a great way to insure your household devices. It protects your budget too. It is necessary that you make a wise decision regarding the choice of company and warranty plan so that you make the best out of the deal. The policy booklet and the contract are vital documents and they must, without fail, be studied and preserved carefully.
You can go through reviews about various companies and their plans on our website to compare and choose the best.
Premier global provider of warranty solutions and benefits, the Warranty Group Inc, has announced that they will be extending their agreement with the American Residential Warranty. The agreement, which will undergo a multi-year extension, is said to be one that provides warranty programs to homeowners throughout the nation. The announcement was made on the 19th of February, 2014.
The contract extension is said to include certain changes as well. The agreement will now include addition of appliance coverage in the states of California, Nevada and Virginia. This will increase the footprint of the American Residential Warranty to a total of 50 states in the USA. The renewed contract will also have expanded coverage which includes external water and sewer lines and well pumps.
The senior Vice President at Warranty Group, Justin Thomas expressed his pleasure in continuing the partnership with American Residential Warranty. Both companies have a long- standing heritage of providing financial protection to consumers on major household appliances and systems. Mr. Thomas has also stated that through this contract, his company will support the American Residential Warranty in continuing their services throughout the nation.
Richard Kaufman, the chief executive officer at American Residential Warranty, stated that their direct-consumer-marketing methods have helped in tremendous growth and expansion. He also stated that through their continued relationship with the American Residential Warranty, they have been able to develop and offer a comprehensive range of home warranty products, which has been an integral part of their success.
About The Warranty Group, Inc
The Warranty Group, Inc, has been in the industry for over 50 years and has become a global provider of warranty products. The company operates in over 30 countries and currently has around 1900 employees working with them. The company also provides underwriting, claims administration and marketing expertise to some of the leaders in manufacturing, distribution and retailing of consumer goods which includes automobiles, homes and appliances among various others. The Virginia Surety Company and London General Insurance are wholly owned by The Warranty Group, Inc. For details visit www.thewarrantygroup.com.
About The American Residential Warranty
American Residential Warranty is one of the leading companies in the home warranty industry. They offer customizable home warranty solutions to homeowners across the USA. They carry out direct-to-consumer marketing and effectively use the various electronic, social and print media to run national multimedia campaigns. For more information visit www.americanresidentialwarranty.com.
When you compare “promise contracts”, such as home warranties, you must first comprehend exactly what is being assured. You can then evaluate attributes. Fraction of the research should also be aimed at comparing customer’s ratings of the companies that offer the warranties.
Comparing home warranty companies facilitates you to find the policy that suits your budget and needs. A home warranty is an individual policy you can procure to provide coverage for your home’s important appliances and systems. The precise prices and coverage obtainable to you varies by each home warranty company functioning in your area, so comparing the exact rates and services from each company is a significant step when picking a policy for your home.
When buying a home warranty, you are not only giving capital to the supplier, you are also giving your belief that they are going to cover you when you need it most. That’s why it’s so imperative to verify into a company’s history, see how they function and what they ought to offer, plus learn how they entertain their customers. It’s worth exploring before you purchase.
This video will help you compare home warranty companies.
There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC). HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.
Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company. Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.
The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services. Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.
There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!
Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible. Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot. Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product. Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials. Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.
Ever wondered what is the difference between home warranty and homeowners insurance ? Are they not same? Let’s find answers for these questions.
While home warranty and home insurance products may come across as same, they are totally different. The coverage, cost, terms and conditions vary greatly. Home insurance is compulsory in some cases whereas home warranty is a recommended choice.
Home warranty offers protection for your major appliances, as well as plumbing and electrical units. It covers the cost of repairing or replacing major household appliances in case they break down, provided they meet the terms and conditions of the home service contract.
Home insurance covers your home in the event of damage due to natural calamity or man-made disasters and offers you liability protection from lawsuits in case of a third party involvement. If your neighbor came visiting you and accidentally fell and got injured and decides to sue you, then home insurance will take care of the claims. Home insurance is mandatory if you have a mortgage on your home.
Items covered by a home warranty may vary by company and plan, but typically includes the following items:
In case of an uncertain event like fire, theft, vandalism, or certain natural disasters, the cost of damages are covered. It also covers your personal items and gives you liability protection. Liability insurance will protect you from lawsuits in the event that someone is injured on your property. Home insurance will only insure your personal items in case they are stolen or ruined in a disaster. Repairs and replacements due to wear and tear are not covered.
The insurance policy varies depending on your state of residence and type of policy, but generally it will cover the following.
Home is the most prized and cherished possession any individual can have and nobody anticipates damages to this, therefore a home insurance provides you the following benefits when you cover your home.
A standard warranty runs $300 to $500 for a year of protection, which covers the cost of repairing or replacing a home’s major systems and appliances. Home sellers typically pick up the tab for the first year of coverage. Extended coverage plans for pools, spas and washers and dryers can be purchased at an extra cost.
Insurance cost varies from state to state and depends on the extent of coverage and the location of the property but a standard insurance can cost any homeowners insurance is between $300 and $1,000.
When you are planning to buy a home warranty, make sure that you do some research. Check our home warranty reviews section that provides pricing, comparison, quotes and consumer reviews of all major companies. When you are getting price quotes, inquire to look over a sample policy. Bear in mind to understand the entire policy, together with the fine print.
Another advantage of home warranty policy is that it is transferable. That means when you sell the house the warranty would be passed to the new owner. This has proved to be a well-liked feature amongst home buyers as homes having home warranties are selling at increased prices and in much shorter times. This in itself could make it sensible to get a home warranty policy.
When a covered appliance breaks down you need to contact your warranty company. A warranty company already has business ties with different service vendors. They will in turn contact a service repairman to come to your home and repair the appliance. The repairman will fix the item or recommend replacing it. The service repairman will bill your warranty company directly, but you have to pay a service charge when the repair person visits your home.
With any kind of insurance, it is always a good idea to shop around and evaluate benefits and prices as most insurance companies will provide you a policy discount. Ensure you read the policy before writing a check and ask any queries that you have in mind.
So, the conclusion is that home warranty and insurance are complementary to each other. You can choose to protect everything you own, provided you can afford to. Keep in mind that these insurance products do cost a bit more, but compared to the benefits they provide and the peace of mind you get, it seems like a very small amount. Insure your home as well as buy a home warranty all within your budget.
With over 185,300 active Realtors in Los Angeles, selecting the right one to assist you with the sale or purchase of your home can be daunting. You will want to find someone who is proficient in buying or selling homes in your surrounding area in L.A as well as in your price range.
Below is the list of the top 5 Realtors in Los Angeles by their gross sales volume in dollar amounts and some other relevant information so you can feel confident when making decisions about buying or selling your home.
For more than three decades, Brad has focused his attention on helping families attain their goals of buying or selling a home in North Hollywood, Studio City, Burbank, Glendale, Tujunga, Panorama City, Sherman Oaks, Valley Village, West Hollywood, Van Nuys, and the wonderful and diverse surrounding areas. He listens to his clients’ needs patiently and then puts together the best strategies for reaching the results they want. He believes that true success comes from making objectives for what matters most in life. Whether he is with his family or assisting his real estate clients, Brad enjoys positive results owing to his unique ability to visualize a goal and make an effort for achieving it. This determination is what continues to take his career as a realtor to new levels of success. With over three decades of experience, Brad is an unmatched resource for all things from the real estate market to community services.
An alumnus from California State University-Northridge, Brad’s specialties include home sellers, home buyers, 1031 tax deferred exchanges, short sales, investment properties, first time home buyers, bank foreclosures, multi- residential homes, single family residences, condominiums, townhomes, downsizing, and relocation. The owner of The Brad Korb Real Estate Group, Brad and his team of realtors have attained an incredible success for clients by offering services that go well beyond the average realtor. “We are very excited to have been endorsed by real estate mogul Barbara Corcoran, from Shark Tank, and also being ranked #1 locally by Wall Street Journal.” He believes that relationships with clients are based on accountability, dedication, loyalty, and clear understanding of client needs. There are three teams within the Brad Korb Real Estate Group. The listing team members concentrate fully on marketing client’s homes on every available marketing podium such as Internet, TV, and Radio. The buyer’s team is elite coached and sell up to 10 times as many homes yearly compared to an average realtor. The concierge team manages internet inquiries and phone calls along with the chat service on the website. Besides, Brad is also an owner of RE/MAX In Action and Civic & Social Organization Professional. He has received the following real estate industry awards:
Additionally, Brad is also proud to hold the following certifications sponsored by the National Association of Realtors (NAR):
Brad’s interests include spending time with family, fishing, reading, Los Angeles Dodgers Baseball, Los Angeles Lakers Basketball, traveling, reading, concerts, and working out.
When you and your family are set to make the important decision to move, contact Brad Korb who is always focused on What Matters to You.
Jesse Weinberg is widely acknowledged as one of the Los Angeles’ leading realtors, focusing on the highly competitive Westside neighborhoods. With over a decade of experience in Playa Vista, Marina Del Rey, Playa Del Rey, and Venice, Jesse is a well-recognized member of Southern California’s brokerage community. He analyzes 20-30 new properties in person each week and can locate just the right home to match any search standards or set a precise value for a sale. His background in Business Administration and a decade of sales experience results in innovative strategies that make the most of his clients’ opportunities and aid them to reach their financial goals.
Jesse’s track record is unrivaled – he has sold more properties in Marina del Rey than any other agent for the last 5 years in a row! He believes that every client and every property is different, yet his goal remains the same: to surpass expectations in the course of a transaction as he works toward a preferred price and time frame. A Licensed Real Estate Agent at Keller Williams Realty, Jesse and his skilled team of realtors have built a thriving real estate empire. Jesse Weinberg & Associates delivers impeccable service and has effectively sold and leased more than 600 properties in the last decade with a very high customer service rating. The team has represented over 700 sales and 300 lease transactions – directly benefiting their clients by saving them time and money. The seasoned real estate experts provide a robust database of skilled buyers, sellers, landlords, and tenants to the clients, resulting in a seamless offer-to-close process, shorter listing periods, and access to off-market opportunities. Jesse’s passion for real estate has earned him the following:
His specialties include Buyer’s Agent, Listing Agent, and Property Management. His loyalty and amiable attitude have led to a network of repeat and referral business. He is well-read and keeps up with the latest market trends and economic news. His transaction volume each and every year surpasses the last!
Danny brings over two decades of experience to every transaction, where he focuses in the Greater Los Angeles area from Downtown to the beaches, North Hollywood, West Hollywood, Beverly Hills and everything in-between. As a motivated Realtor and Associate Manager, his proficiency has led to a lucrative and productive sales career with special emphasis on single family and condominium sales. Danny and his team always look out for clients’ best interest and deliver exceptional customer service in all areas such as marketing, escrow, and inspections. A consistent leader and a top sales producer, Danny is in the top 2% of all Coldwell Banker agents countrywide. Before moving to Coldwell Banker, he held a position as a commercial real estate agent with Silverstone Development Group, focusing on sales and leasing of commercial properties.
Danny accomplishes his goals by ensuring each property has a separate Business Plan on how, why, and to whom he is going to sell to. “It is specific, targeted and deliberate. Our specialization and full Business Plan marketing approach to selling property is a dedicated approach that is effective and relevant in today’s real estate market. We consistently win recognition from our peers and earn accolades from our Clients,” says Danny. His specialties include Representing Buyers, Representing Sellers, First-Time Buyers, Short Sales, Foreclosures, Relocations, Luxury Properties, Commercial Real Estate, Rentals, Condos, Resorts and Second Homes, Lease-to-Owns, Investment Properties, and Appraisals. His sprawling network, unmatched client service, outstanding sales production, and proven marketing tactics have made him recognized by Coldwell Banker from 1996-2012.
An Alumnus from Santa Monica College, Danny’s interests include reading and jogging. His professional appearance, integrity, communication and negotiating skills would ensure you a smooth and stress-free sale or purchase. “Relationships are about connecting, and I invite you to contact me about your real estate needs”.
Selecting a right real estate agent is the first step in purchasing or selling a home. Fredy Rodriguez has been a licensed real estate agent in California for 15 years and is present with Fanthom Realty. Fredy’s coverage area includes Cathedral City, Coachella, Desert Hot Springs, Indio, Palm Desert, Coachella, Garnet, Palm Springs, and Thousand Palms. A top real estate agent listing website ranks Fredy as one of the top 2% of agents in Cathedral City for effectively selling homes and as one of the top 8% of agents for single family homes. “From suggesting mortgage lenders to explaining signing papers, I am here to make this normally daunting experience a smooth and successful transaction. My goal is to assist you in finding that perfect home.” Whether you want a big backyard or a 3-car garage, Fredy and his team find you that special property.
One of Fanthom Realty’s leading realtors, Fredy is recognized as a hardworking and trustworthy individual whose passion is to assist his clients in real estate transactions from inception to conclusion. Through his hard work and willingness to learn, he continues to beat his own records, year after year. His specialties include short sales, foreclosure, buyer’s agent, first-time buyers, and investors; financial (loans), and life insurance. Equipped with sufficient knowledge and expertise, he has received several awards and recognition such as:
Fredy’s credentials and certifications include the following:
An alumnus of Palm Desert Community College, he is interested in networking with other realtors and seeking clients to assist them in the home buying and selling process. Fredy runs by his slogan “Under Promise and Under Delivery”. His only purpose is to earn referrals which are the life of his business. Contact Fredy Rodriguez if you have any questions or concerns about financing options, current listings, or the market in general.
Lynette Williams has been a full-time real estate expert since 1997. As a practicing attorney, she specializes in real estate sales, development, and construction. Her other areas of practice include estate planning, contracts, and business structures. Her previous experience as a financial analyst, an insurance agent, and marketing coordinator gives her the talent to assess your real estate needs including financial analysis, tax strategies, legal ramifications, insurance requirements, and marketing strategies. She has also served as an officer in the United States Army. A graduate of the University of Florida and the University of Florida College of Law, Lynette’s goal is to offer the first-class service and build long-standing relationships with her clients. She works meticulously with the highest standards of professionalism to serve her clients’ needs. By implementing new tools and techniques and incorporating innovative concepts, she assists her clients to get the most of their home in the minimum possible time.
Lynette’s real estate record epitomizes her commitment to her clients. She has a record of selling more than 97% of all her listings with them being on the market an average of 19 days. 51% of all her sales have come from listings. She is equally dedicated to working with first-time buyers and buyers moving from their present homes. She especially comprehends the needs of the first-time homebuyers and is focused on their long-term real estate dreams. While most realtors look for new business from the general public, Lynette focuses her time on her existing clients and referrals. She has obtained the following designations and certifications:
Lynette lives in the Los Angeles and loves going to movies, flying airplanes, real estate investing, rehabbing properties, reading photography, concerts, plays, and dining out. She is a member of the Beverly Hills/Greater Los Angeles Association of Realtors, National Association of Realtors, Los Angeles Bar Association, Toastmasters Int’l, and the California State Bar Association. Lynette is also involved with the 99s Club and the Los Angeles Area Chamber of Commerce.
Skeptical about home warranty? Leading home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator which allows customers to estimate costs involved in maintaining a typical American Household. The tool is absolutely free of cost and hence fascinates many potential home warranty customers. Also, there is a widget code (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>) for the home maintenance calculator tool to put in your website or blog post.
Just the decision to take the task of building a home into your own hands can be daunting, keep aside the fact that liabilities are now yours alone to deal with. The joy of being there every step of the way and having a say in every brick, beam, and wall comes with a lot of responsibility. The smallest of injuries on site to a worker, accidental falls, natural disasters and other unforeseen circumstances can put your budget off by thousands of dollars.
Time is a factor as well, having the plan pushed back by weeks, if not months; time and money that you cannot get back. Such accidents are what makes it prudent for you to invest in structural insurance, warranty and legal coverage for all the essentials.
Structural insurance functions within the parameters of Builders Insurance and Site Insurance, covering claims regarding the foundation and architectural framework of the building, as well as the integrity of the site it is built on.
As the percentage of self-built homes increase in the US, numerous companies now offer a comprehensive list of structural insurance for homes built without the assistance of building agencies.
If narrowed down to just structural claims, structural insurance covers the claim of any structural defects in a home for a fixed number of years after it is built. Often certain companies have a secondary set of rules, pertaining to the fact that the claim will only kick in 7 to 10 years after the house is completed.
That being said, structural insurance usually comes hand in hand with site and builders insurance as well, both essential and usually synonymous with structural insurance.
Site insurance is offered to builders as well as individuals who have purchased land and intend to construct. It not only covers any natural disaster-related damage – fire, storm, flood – to the land, but also the temporary structures on it. The coverage puts aside a certain sum to take care of any unforeseen circumstances that may cause huts, caravans, tools and the building under construction itself to be partially or wholly damaged.
Certain insurance companies not only take care of the monetary side of things but also offer services to clean, repair and bring back the space to its former state.
In recent times, Builder’s Insurance has become a must for self-built structures, especially since it establishes a sense of trust between the homeowner and the bank or builder who is offering monetary assistance.
Builder’s insurance acts as the umbrella under which site and structural insurance fall, but often companies do cater to individual needs by offering them separately. These insurance policies even accommodate for theft of tools and valuables from the site, but usually, put a limit of the claim. That being said, it is important to pick appropriate coverage plans and not under or over-insure your property.
Allowing delays and pushbacks, any building or structural insurance for individuals who are constructing on their own extend to 18 months, as opposed to the usual 12-month coverage given for builders.
Building a home isn’t only about the structure and integrity. Along each step of the way, you have to be aware of not only accidents and loss that are beyond your control, but also any harm that the process may cause to workers, the public and adjacent private and public property.
As a homeowner, you are liable if any of your workers are injured during the course of construction, or even if they fall ill due to toxic substance exposure while they worked for you.
Even a trespasser walking into property can have a legal claim if he or she is injured due to any improper construction methods.
Damage to surrounding property can be another reason you are faced with a very large bill for compensation. Everything from a falling tree branch to heavy machinery vibrations that may cause harm to adjacent structures can be seen as cause for a lawsuit. Most often, such damage is seen to happen during the time when your foundation is being set, causing worry about underground water sources and support extending below the ground of other buildings in the area.
Besides structural and builder’s insurance, warranty extends the coverage, claims, and care for years after the home is built – taking care of issues and damage that insurance does not address. While insurance deals with unforeseen circumstances and matters that were out of your control, Home Warranty offers solace when you need to deal with maintenance, repair, and replacement due to general wear and tear.
Usually put in place for a period of ten years, Structural Warranty covers defects in the foundation, load-bearing walls, beams, pillars and sometimes even wiring and plumbing systems. Not only does it keep you worry free, it also assures that any negligence on the part of the contractor is covered for without conflict.
If you’re a resident of Oregon, this is an article you wouldn’t want to miss. Every homeowner worth his salt must be well informed about the best home warranty companies in the state they reside. Being a coastal state in the Pacific Northwest region, Oregon has a diverse landscape which makes it a very popular choice for potential home buyers. All the more reason why you should go through this article because who knows, you may settle down in Oregon one day!
As you know, our website hosts reviews from actual customers of home warranty products from across the country. These reviews form the basis on which various companies are ranked on our site. For your convenience, we also have a list of top ten home warranty companies in the country. And based on the reviews collected from the customers in Oregon, here’s a list of top home warranty providers in this region-
In more detail, here’s the list of top competitors.
Considered as the founder of the home warranty industry, American Home Shield, or AHS as it is commonly called, is a company that has over 40 years of experience. AHS has come to be a company that has a nationwide footprint with many customers praising its services. AHS claims that their plans are designed to help out homeowners, sellers, buyers and Realtors alike.
With plans that cover most appliances and systems in the home that too at compelling prices, AHS has garnered many rave reviews. On an average, a standard plan comes at an annual premium of $249-$500+ and the deductible per service visit charge ranges between $75-$125. AHS claims to have a massive contractor network with over 11,000 technicians who are selected after a stringent screening process. With positive reviews flowing in from all parts of the country, AHS rightly deserves to be called one of the best home warranty companies.
Serving across 49 states in the US, The Home Service Club (HSC) is yet another major player in the home warranty industry. HSC, like its counterparts, have designed plans that are suited to cover major appliances and systems in a home at affordable prices. The company believes that they are innovators who constantly come up with new ways to help improve customer satisfaction and the quality of the services they provide.
A standard plan offered by HSC costs around $400 and the deductible charged per service visit ranges between $75-$125. HSC is also one of the few companies that don’t mandate a home inspection prior to purchasing a warranty product from them. The company’s contract network is extensive and like most of their counterparts, HSC too has around the clock customer service facility and also an online claim submission feature.
Yet another tough competitor in the state of Oregon is Select Home Warranty or SHW for short. Select Home Warranty is headquartered in New Jersey and has quite an extensive coverage across the country. And like other companies on this list, SHW too takes pride in its massive contract network with over 10,000 carefully selected technicians.
For homeowners in Oregon, select has three main plans to offer. They come in varying levels of coverage and are priced between $299-$499. Service call fee per visit is on an average around $60. SHW does not place a restriction on the age or the size of the property to be covered, neither do they mandate a home inspection prior to signing the home warranty contract. This is a rare feature and it makes them all the more loved.
Landmark Home Warranty(LHW) is a company that provides services in the states of Arizona, Oregon, Idaho, Utah and Texas alone. Despite the lack of nationwide footprint, LHW has managed to garner rave reviews in states that operate in. They also offer pest control, re-keying and heater tune-up services in certain states.
LHW too provides plans that are designed to provide peace of mind to the homeowners. With most of major appliances and systems being covered, the plans come at reasonable prices, ranging between $425-$625. Deductibles too are charged nominally, at around $60 per service visit.
Home Security of America Home Warranty or just HSA Home warranty, is the final company on our list of top 5 companies in Oregon. With over 30 years of experience in home warranty sector, HSA has grown to become a popular choice among American Homeowners. Headquartered in Cross Plains, Wisconsin, HSA is a company that claims customer satisfaction is their prime area of focus.
Home warranty plans by HSA come in two variants each with varying levels of coverage and priced between $589-$619. The deductible per service visit charge ranges between $75-$100. The company also allows customers to customize and extend their coverage by adding items from a select list of add-ons. The annual premium would then vary based on the level of coverage picked by the customer.
What we have provided you is just a list based on the reviews that we have gathered on our site. There would be other companies in the local market who are equally commendable. So the only way to make a wise choice is by doing ample amount of research. Our site offers profound insights about various companies across the country. You could also take a look at the award winning home warranty companies to help with your decision. As always, we welcome your questions and would be more than happy to help you out. Cheers!