Home Warranty Guides for First Time Users

The joys of home ownership and delight of self-sustenance comes hand in hand with maintenance anxiety and budgetary concerns. Let’s look at how to lighten the load and delegate some of the upkeep and repairs with the help of a home warranty plan or a home service contract!

Working towards keeping your home new, resolved and looked after always, Home Warranty is your one stop shop for all your servicing needs when it comes to your home – and all that without any unnecessary worry. Taking care of all issues when it comes to day to day wear and tear or appliance breakdowns, Home Warranty is like a homeowner’s insurance policy, but for the little things and routine aging of your home appliances and systems, which can be done by getting a free quote from HomeWarrantyReviews.com’s website. On the other hand, insurance tends to focus on major damage because of unforeseen circumstances and natural disasters.

If you’re diving into the deep end of the Home Warranty pool for the first time, here is some basic information to guide you through the process and keep you afloat.

Buyer, Seller or Realtor?

Investing in a Home Warranty scheme can work out great whether you are a new homeowner, a seller looking to strike a no-nonsense deal, or even a realtor offering a perk to both parties.

home warranty guide

From a homeowner point of view the incentives are straightforward. You have just sunk in a considerably large sum of money into a house, and for just a little more you can save yourself needless hassle and sudden repair and maintenance payments for at least the first year of owning the home. If you happen to be new to the home owning side of the fence, and have always lived as a tenant, then getting a Home Warranty works out even better – all the fixing the landlords usually took care off will still not be yours to worry about.

From a seller’s perspective, Home Warranty boosts the value of the home, builds trust in the prospective buyers that the current owner has confidence in the structure and appliances enough to invest in Home Warranty, allows for the buyer to know that a year in their lives after the purchase if taken care of and last but definitely not the least, lets you sleep peacefully at night knowing that you won’t be getting calls in a few months with complaints about the home.

Confused as to why Home Warranty can be a realtor’s best friend as well? In the time of market lows and steep competition, a Home Warranty scheme added to your list of services can act as quite the spur. Encouraging for both sellers and buyers, throw in a year’s warranty to the upcoming purchase and it shows not only your commitment to the deal but also your trust in the home they are about to call their own!

Extent of Coverage On Home Warranty Plan

Depending on the plan you choose, which in turn will depend on the extent to which your home needs upkeep and you wish to delegate, Home Warranty plans generally cover all the major plumbing, heating, cooling and electrical systems, major appliances like refrigerators, dishwashers, and ovens, amongst other things. The core plan may vary to include leakage and seepage, structural defects, drainage systems and outdoor mechanisms, pools and garages, but most companies prefer to keep these as additional maintenance factors.

Most companies also allow for unlimited service requests during the contract period, which can act as a great incentive when it comes to investing in warranty schemes, as well as replacements of appliances that cannot be fixed.

Exemptions from Coverage By Home Warranty Companies

Most often, all known issues with appliances or systems that pre-date the purchase of the warranty are not covered by the company, and neither are unknown conditions that are due to mismanagement in the past.

That being said, certain unique cases are taken into account where in pre-dating issues are considered, but only if they were not known off before. The most common of these is when a Home Warranty scheme is purchased as a part of a real estate deal, wherein the coverage is extended to include circumstances where unobservable defects already existed in the home that was purchased.  

Adding to that, when an appliance is already under warranty from the manufacturer or requires fixing of cosmetic damage or damage that is not related to its core functioning, then too the appliance will not be applicable for coverage. The most common example of such a claim is physical weathering, noise, and corrosion on the outside.  

If you don’t treat your appliances right by the rules, or have a pet that could cause accidents, then any such damage will not be taken into account. As an extension, the Home Warranty does not overlap in function with insurance, so any acts of God such a fires and floods will not be covered either.

Lastly, any damage due to mold or pests are usually left out of Home Warranty terms and conditions as well, but some companies do tend to add it in their extended schemes.  Knowing your scheme is important, and while we have covered the generalities, make sure you look through the terms, conditions and limitations of your schemes before you sign the papers.

Pre-Warranty Home Inspection

Even though it isn’t a necessity to have a professional home inspection done before you get yourself Home Warranty, it is never a bad idea to get your new home checked for quirks and components that may need a little extra care along the way. In the opinion of most experts, getting a thorough home inspection done before the purchase can tell you all you need to know about the property, and get you up to speed about the kind of warranty scheme and coverage you should invest in. It is important for you to have an idea of the proceedings of an inspection as well, and not miss the essentials.

Just as a general rule, a warranty should cover appliances regardless of how new or old they are, as long as they are properly maintained and are in working condition when the contract begins.

From Request to Repair

Even though Home Warranty is about giving up responsibility and being able to delegate, it is just as useful for those of you who like to choose and have some control over who does the fixing.

Home warranty guide to take care of your home

Whether you’ve had a trusted repairman for years and prefer to call him when in need, or would rather make a quick call and call the service company down the road instead of waiting for the warranty service provider, all companies provide schemes that reimburse servicing charges as long as it falls under the terms and conditions of your specific coverage.

It is essential that you inform your Home Warranty company prior to calling for any repair, as failing to do so automatically nullifies your warranty.  The first step is for you to thoroughly review your coverage and understand the repair, servicing and replacements limitations that going to be applied to the issue at hand. One you have identified the issue and gotten clear on the specifications, report the issue to the company, and they will call for a diagnosis and an estimate cost of the repairs.

The company will schedule an appointment, come and cross check the claim, and do some basic examining before calling for either replacement or repair. Simple repairs are easily tackled in the first appointment itself, but if the task at hand is complicated and requires further attention, it may take some time for spare parts to be ordered. Some companies choose to use service providers from their own list, whereas others may work with you to find one that is trustworthy and reputable.

Expense Limits

Most often, you can decide whether your warranty scheme has an upper limit cap on expenses by picking the right deal for your needs. While schemes with unlimited spending when it comes to repairs and servicing can be enticing, they do often cost a lot. On the other hand, certain companies may choose to meet you halfway and not have a pre-set limit but yet reserve the right to decide, depending upon on each case that you bring them.

Terms and Renewal On Home Warranty

Most Home Warranties last for exactly one year from the date of payment, after which it requires an extension – the same as any legal lease. Extended plans for more than a year at a time do exist, but it isn’t the best plan to make such a long-term investment right at the first go. Your home and its systems will change and age as each year goes by, and often the premium on your warranty will increase as the appliances need more maintenance. It is best to take it one year at a time and give yourself the freedom to alter the plan when need be, unless the warranty you are purchasing is for a home that is new or nearly new.

All Home Warranties are easily renewable – most companies allow not only for quick and speedy renewal of schemes but also help you set up payment plans as per your convenience. Certain companies do have strict termination clauses though, which can be rather annoying if you wish to take a step back. The clause usually applies for cancellation or termination before a certain period, so make sure you keep your eye open for such sections in the terms and conditions before you sign! Last but not the least, laws change from state to state, so make sure to just information specific to your zip code.

Other Consumers as a Source of Comfort

The best way to find the perfect deal or company for you, know what to look out for, get to know the tricks of the trade and make the absolute most out of your warranty is to throw yourself into reviews and remarks from other Home Warranty users. Based on consumer research and a rating system that gives you both subjective information as well as statistics, HomeWarrantyReviews.com acts as a platform for all homeowners to share secrets on how to survive the complex world of being homemakers, and also provides for a systematic Complaint Resolution Program (CRP). It isn’t only about finding reviews; you can add to the data by leaving your own comments on the website as well – HomeWarrantyReviews.com acts as a bridge between you and the company without you having to get your hands dirty.






Vacuum Cleaners
A close aide who can effortlessly assist your cleaning, mopping, sweeping and other allied activities is the mighty and powerful vacuum cleaner. In the era of ever increasing pollution and grime levels, an automatic cleaner can be your friend in keeping homes and equipments clean and thus your loved ones, hale and hearty.

Types of Vacuum Cleaners

There is an assortment of models available in the marketplace. Ask yourself a few questions before making a pick!

  •  Do you intend to replace conventional methods of cleaning with the appliance?
  •  Would you be at ease using huge machines? Or, if you need a compact machine?
  •  Do you or your family/community members have allergy?
  •  Should you be looking for an easy to maintain appliance or one with elaborate features?

Depending on your requirements, you may choose from the following types.

  •   Upright Vacuums – Upright vacuums usually have larger vacuum cleaner bags/containers than canister vacuums so changing/emptying these is less frequent.
  •   Canister Vacuums – Many manufacturers make both upright and canister models (not to mention a host of other specialized vacuums). Historically canister vacuums have been better than uprights on hard floor surfaces and less effective on carpet.
  •   Steam/Carpet Cleaners – These look like an upright and use steam and detergent to clean carpets. They also have water tanks to hold the clean water and dirty water. These use rotating heads that “massage” the carpet and then use suction to lift out the dirty solution.
  •   Stick/Broom Vacuums – These are essentially very thin and light upright vacuums and they do not have rollers or beater bars. They are often cordless and bagless (but not always).
  •  Handheld Vacuums – These are usually for small cleanup jobs and are small, handheld, light and mainly cordless. Almost all of these are bagless and use a dirt cup.

Maintenance and Cleaning

Now that we have an insight into the World of Vacuum cleaners, here are a few tips and tricks on maintenance and care of your appliance. Your due diligence is very important in enhancing longevity and durability of the product. The primary detachable parts in a standard vacuum cleaner would be the wires, bags, filters, brushes, canisters etc.

Now, let us go through each of these vital components to understand the preservation techniques.

Wires

Vacuum machines come with a drawn out chord to help you clean around with ease. This may be a pain every so often with the tangling and unwinding task which can be behemoth at times. Leaving it the way it is may result in cracking or splitting of the chord exposing you to the risk of electrocution.

Quick fix

Make sure that there are no tangles or loops and if you sight any, unwind it straight away to avoid any further disorder. Cracks or openings in the wire cover should be wrapped with insulation or duct tape to steer clear of further deterioration. And if you see any copper strands exposed, it may need replacement or repair.

Bags

The storehouse of all the dust and debris, bags are a vital element of the cleaner. Monitor the bag regularly to make sure that the debris is not at the brim. There are various theories on ‘when to’ replace. In most cases, a 2/3 fill is a signal for replacing the bag. Allowing the bag to nearly exhaust its capacity may result in reduced suction or motor performance.

Filters

Depending on the model and make, cleaners may come with a HEPA or non – HEPA filters with sponge components attached.
Periodically, filters need cleaning too! Read instruction manual (that comes with the product) to find directions on cleaning filters. Not all HEPA filters can be cleaned, some need replacement. Washable filters and sponges can be cleaned using mild detergent and water. Use a soft brush to an extent to remove the dirt (if required). The filters need to be dehydrated completely before re-installation.

Brushes

Roller bars or simply brush rollers need attention as well. All those strands of hair, carpet threads and pet mane tend to get lost in the bristles of the brush. Read the instruction manual on “how to” unfasten the brush. Once out, pull & pluck all the foreign particles.
If need be, use a blunt apparatus like a scissor to get rid of the adamant dirt. After prolonged use the bristles wear out and may need a replacement.

Canisters

The trash bin looking, see-through component needs intermittent cleaning. Canisters come with  a few internal sub apparatus.

Key observations and meticulous care will help you to safeguard your vacuum cleaner for years. Since Vacuum cleaners are generally not covered in a home warranty plan, this article might come in handy. Here is a list of appliances which are covered.

But there is an epoch when your machine would break down and manufacturer’s warranty has expired!  The dilemma continues when your neighborhood service guy quotes a bomb for service or parts replacement can be a catch 22 situation! You will be further annoyed if the machine needs to be transported to a distant location for servicing!

On homewarrantyreviews.com, get quotations from various home warranty companies, compare them and even interact with company representatives. You can also find elaborate reviews, feedback and informative articles.
Sign up with a home warranty company and benefit from the professional experts.
Hassle
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Home protection plans, commonly known as a Home Warranty or appliance protection plan is a service contract that agrees to offer discounted repairs and replacements of your household appliances. It means that if any of your covered appliances breaks, the home warranty company shall provide you with a qualified technician who will repair your device and cover the cost of repair as well.

Home Protection Plans

Ideally, appliance protection plans are best suited for people who have appliances that are fairly used and above 4 years in age, as this is the time where most of the functional issues arise. It is highly recommended that you purchase a home service contract if any of the following are or all are true.

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

If you were to ask if these plans are worth the money, then we would have to admit that there is no straightforward answer to that. There are quite a lot of happy customers out there who swear that purchasing home warranty was the best decision they ever made and yet there are people who think otherwise. It is up to you to decide if you will benefit from a home protection plan.  If you are in need of more guidance, please read the Home warranty buyer’s guide.

This is how a home warranty works

You purchase the appliance protection plan from a home warranty company for a certain amount of coverage. This coverage could be vast and cover almost all the outside and inside appliances or it could be the basic version. If a device covered by the plan fails to operate properly, you simply place a call to your home service contract provider. They will then call up a service vendor with who they have contracted and tell them about your issue. Service vendor then collects your contact information and contacts you to fix an appointment.

He/she then comes to your home to take a look at the damaged gadget. If the repairs needed are minor, they will oftentimes be fixed on the spot. Major repairs and part replacements need approval from the home warranty company. If parts are to be replaced, the home warranty company shall procure them for you and get the appliance fixed. Sometimes, if the technician determines that the device can’t be repaired, depending on your coverage, the home warranty company may replace your device.

Hence, one can say that the benefits of Home warranty are the following:

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

As mentioned before, there still exists a school of thought that home warranty plans are not worth the money. Hence, we must discuss the drawbacks of these plans.

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

Because of these reasons, we suggest that folks who fall under the following categories, don’t purchase a home warranty. This is only a suggestion, if you believe that you shall benefit from a home warranty plan, you should go ahead with it.

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

You can consider an extended warranty to protect your new devices. You can read about the differences between home warranty and extended warranty to clear your doubts.

If your devices are new, chances are low that they may need repairs often. Also if they are still covered by the manufacturer’s warranty, any damage will be covered by them, provided it is not an excluded case. And all of this is unnecessary if you are a repair vendor yourself!

The bottom-line

Home warranties can be a great way to protect your budget and your appliances. As mentioned before, if you fall into the former category where your devices are old and so on, we highly recommend that you purchase a home warranty. Otherwise, you can do without one.

A lot of unpleasant instances occur due to lack of understanding of the working of the plan. Hence, we urge you to read the policy booklet and the offer document carefully before you make a commitment. These documents are highly significant and have to be studied and preserved carefully.  If you are certain that you want to purchase appliance warranty, please go through our reviews section to choose the best provider out there. Good luck!




Builder’s warranty is a written statement by the builder assuring that the house was completed as per a stipulated set of standards. This provides a form of protection to buyer from latent defects.

This form of warranty is also called a Limited warranty and is issued by the builder on their work. This is done either within the sales contract or as a separate document. The period of duration of such contracts are usually between one to ten years.

Coverage

A Typical Builder’s warranty covers only the material and workmanship issues of various components relating to a new building. This includes

  • Windows
  • HVAC units
  • Plumbing and electrical systems
  • Stolen construction materials are also covered in some plans.

As mentioned before, the duration is largely dependent on the component. For example, material and workmanship issues are covered for a year. This would include paint, drywall, siding and stucco, door and trim etc. HVAC, plumbing and electrical units are usually covered for two years. Major structural defects like a roof that may collapse or any other structural damage that pose danger to the residents are covered for a period of up to ten years.

These warranties do not cover the cost incurred by the owners as a direct consequence of material and workmanship issues. Eg, staying away or moving out temporarily while a repair is being conducted. They also DO NOT cover the following:

  • Household appliances.
  • Components that are still covered by the Manufacturer’s warranty.
  • Minor cracks in tiles, bricks or drywall.
  • Damages sustained as a result of your own abuse, outsider or people whom you hired to work on the property.
  • Deterioration of materials used in construction within an expected level.

Making a claim

If you wish to make a claim for your repair, first and foremost, refer to your warranty contract to ensure that the damage is indeed a covered one. If so, place a request to the builder informing them about the damage and requesting for a repair. It is recommended that you place this request in writing even if the company has a telephonic submission method. Ask for receipts and keep records of all correspondence. These records will help you if a dispute arises.

Things to keep in mind

The builder’s warranty cannot replace the Homeowner’s Insurance or Home Appliance Warranty. All three are very different and have their own unique features.

For your own safety, it is suggested that you ask the following questions about your warranty.

  1. What is not covered?
  2. Name some of your previous projects so that you can speak with some owners
  3. What is the extent of your liability?
  4. What do I do if I have a claim or dispute?

The laws related to enforcing these warranties vary in each state. Therefore it will be a wise step to check with your State’s attorney general’s office or contractor licensing board to ensure that your builder follows all the laws as required by the state law.

Make sure that the contract is thoroughly studied and preserved. Experts say that the longer the contract, lesser the benefits. Such long contracts indicate inefficient builders who use vague clauses to narrow down the possibility of you succeeding in filing a claim. Shorter the contract, better the builder.

You may be asked to sign a “Warranty document” at the time of closing the sales. This is often a way to impose more rules on you and thereby narrow down your chances of making a claim on your warranty. If you have already agreed to sign such a document on your sales contract, you can’t do much about it. But if you have not consented to any such thing, you can and you should refuse signing this.

Towards the end of the duration of your contract, get your home inspected by a professional home inspector. This will help you make the best out of your warranty.

Difference between Home Warranty and Builder’s Warranty

We stated earlier that the builder’s warranty cannot be used to replace a home warranty.  Although both these plans cover home and it’s components, they are poles apart on certain matters.

Builder’s Warranty

You can also read about Differences between Homeowner’s insurance and Home Warranty.

The builder’s warranty is always a good way to ensure that you won’t have to pay for any repairs caused due to faulty or badly constructed structures. Always remember to clear all questions you have prior to signing the contract. Once signed, preserve the contract and other documents carefully. Should you ever feel that the service you received is not up to your expectation, spread the word. You can visit websites like ours to read about warranties and other topics related to owning a home. Cheers!




For decades now, the American Dream has been synonymous with Homeownership. Even though the housing market has not got back up after the recession hit of 2008, a majority of the population still strives to own their dream home, looking at it as a sign of stability and accomplishment. The only thing that changes is what each individual, couple or family unit is really looking for in a home, and at what time in their lives, they choose to take the leap.

The When and What of Dream Homes

Statistics show that an approximate 70% of all Americans hope to own a home of their own, comprising a solid 80% to 90% of millennials, aged between 18 and 34. Even though there is a postponement of getting married and having children in the lifestyles of the latter, parents – single or in committed relationships – have dream homes high on their priority list.

As far as dream homes go, it can be safely said that a mere one-third of the cross section across generations claim to already be living in their ideal residence, most aspiring to own a space larger and more luxurious. Yet, size isn’t everything and a very large percentage do want homes that are sized neither too small nor too big, between 1500 to 2500 square feet on an average.

At the end of the day, aspirational homes are greatly dependent on the age-bracket that you fall under – each generation having constantly changing needs, wants and family structures. While Millennials prefer to invest in homes which are high-tech and modern in both structure and amenities, the Baby Boomers (between 50 and 70 years at the moment) are in search for or have already invested in ranch-style homes which are comfortable and easily accessible.

The want for modernity has blended right in with the need to entertain, socialize and have a good time. Countering the luxury of numerous bedrooms, the new dream home features a large spread out floor plan with incentives and perks like French windows opening onto decks, views of the city or the sea, gourmet kitchens, fancy wet bars and open terraces.

From Country to Contemporary – 6 Types of Homes for the American Dreamers

French Country – An Eclectic Blend of American and French

A style of building, interiors, and structure that are appreciated across generations, French Country is making a comeback into the list of homes that Americans aspire to own.

French Country, your ideal home

Having its own touch of fantasy with its French feel, these country homes combine to perfection the resourceful American architectural techniques with French flair and decorative elements. What is more, being a type of home which first gained popularity in the early 1900’s, these country houses can be structured as anything from a small old-worldly cottage with a yard and a fence to an extravagant castle-like mansion with French windows and elaborate décor. Whichever it may be, they are known for their warmth and comfort, with tall window panes letting in plenty of morning sun and a mix of stepped roofs and gables with arches over the doorways to balance out the sharp edges.

The French traditional façade and elements of elevation are kept up through the use of stucco, brick, wrought iron rails and window panes, while the floor plan of the home tends to be more modern and functional – altering itself to fit the needs of your current lifestyle.

Colonial – European Geometricity and Symmetry

Colonial homes are known to be one of the most popular styles of architecture in America, characterized by their sharp geometricity brought by the European colonists in the 18th century. Themselves influenced by the Greeks and Romans in the past, European stylistic tendencies soon cropped up in various parts of both urban and rural America and is still known for its grandeur, symmetry, and stable stature.

Colonial, your dream home

The house is the epitome of formal balance, with the entrance being centrally located and brought to focus by the use of columns, often decorated around the capital or fluted from top to bottom. The formal balance is echoed in the sturdy and square foundation, on which stand an approximate of two or three floors. Taking it a step further, the windows are usually all the same size, symmetrically distributed on the façade with decorative shutters and multiple panes.

The past two to three centuries have seen very little change in this style, though certain homeowners do add elements to suit their needs. As far as dream homes go, the Colonial three-floor home in the city acts as the perfect bridge between the bustle of urban life and a safe and secure space for you and your family. It’s efficient and need based design caters perfectly to the new age priority of functionality while incorporating elements such as classical decorative detailing, hardwood floors and fireplaces without any compromise on the traditional look and feel of the space.  

Tudor – Dynastic English with a Touch of Victorian

Tudor style homes date back to England in the 1500’s, owing its name to the Tudor Dynasty which witnessed the last developmental phase of medieval architecture in England. The Tudor we know today owes a great deal more to modern alterations made to the style of that time, known now as Tudor Revivalist architecture.

Tudor, your dream home

Bringing in elements of both the Victorian charm and tradition as well as ornate gothic height and elevation, the Tudor Revivalist structures feature decorative timber on their façade, placed to give the entire house a sense of stability and weight even though they are purely ornamental in reality. In complete contrast to the colonial style of building, Tudor homes are characterized by their marked lack of symmetry, which is noticeable in all aspects of the interior and exterior of the home. Stressing on the abstract over geometric formal balance, the houses have a mix of angles and shapes which are rather varied, though they fall together in perfect harmony.

In recent times, newer constructions have been shying away from building Tudor style houses, but its archaic quality mixed with its abstract structural plan still keeps it in demand with the present generations of Americans.

Traditional Ranch and Cape Cod – simple, stately and minimal

A style which came into being wholly in America, Traditional Ranch Homes are the Baby Boomer’s dream right about now. Ideal for family units and retirement, ranch homes are known for their close to ground single story plans, minimal or no decorative elements, and functional priority in all aspects.

Cape code, your ideal home

Influenced by North American colonial architecture from the Spanish colonies, Ranch houses cut out direct sunlight and heat, offering the owner a covered porch with a view of the street – right out a country western flick.

Similar in functionality and priority as the Ranch homes, Cape Cod-style houses too boast of low floor plans and modest exteriors. These have now been subject to some experimental design in the past few decades, opening out the floor plan further and increase ventilation, living space and light. The new age American home is beginning to look at the importance of privacy and elbow room, which low floor plans can easily be altered to provide.

With amenities at the minimum, the house was once associated with the simple life, fusing modern ideas of to-the-point design with the American belief system of casual living spaces and informal communities and family units.

Craftsmen and Prairie

The last of the major shifts in architecture in the US, the nineteenth century saw the advent of the Arts and Crafts movements which came into existence in direct opposition of the opulent Victorian style (which was characterized by decoration in all fields) as well as the continued revival of classical styles of the past.

Prairie, your dream home

These styles developed into the contemporary ideals of home ownership shared by the present generations of Americans and focused on simplicity and inspiration from the surrounding nature itself. Not wanting to construct obstructive structures or spend excessively, the building materials and amenities were kept to a minimum in both, though each style was distinctly different.

Craftsmen, your ideal home

The Craftsmen style featured small, sturdy and extremely well-built bungalows known for their expert craftsmanship and lasting strength, while Prairie homes were characterized by spread out floor plans that echoed the prairie through its extending porches, courtyards, and balconies.

Contemporary, New American and Green – Uninterrupted, Individual and Unique

While many of us dream of owning the home down the street from theirs or a cottage that they once drove by in the countryside, a large number of Americans in recent times prefer being able to control and individualize their dream home’s floor plan and structure.

Modern & Contemprorary homes most americans aspire to own

The Contemporary and New American trends in construction are rooted in the need for basic form and function over decorative opulence, incorporating abstract floor plans and leveled rooms and spaces to allow for a flowing interior while not compromising on private spaces.

A touch of luxury has entered the privacy of bedrooms and baths as well, bringing in leisure into busy lifestyles by introducing simple tweaks like couple sinks, bath tubs, walk in closet spaces and oversized windows to greet you in the morning.

The spaces blending into one another also serves well when it comes to the love for entertaining, where open kitchens, terraces and landscaped backyards become a part and parcel of what a dream home should have.

Open floor plans are supported by open facades as well, with numerous windows, minimal dividing walls and doors, and a stress on abstract and asymmetry over formal balance. This focus on function has led to bigger questions regarding the environment as well, with homeowners who are building or renovating using natural and eco-friendly materials available close to the site of construction over large amounts of concrete.

Tips, Tricks, and DIY’s

While owning your dream home can be an aspirational standard you work towards, every home can be made to suit your best and serve its every purpose to the fullest. Even spending a few hours every Sunday on a little gardening or a spruce up cleaning spree can make a great difference in the feel of your home, and bring to the fore elements of its structural beauty that you never noticed before.

HomeWarrantyReviews.com holds within its array of articles not only guides to Home Warranty coverage and companies but also Do It Yourself guides and hacks to maintain your home and garden, giving you a space to discuss and learn about various ways to bridge the gap between physical appearance and functionality when it comes to your home.

What Next For Your Dream Home?

Discussing the various types of the home is something cool. But what is cooler is to keep it that way. How? You might ask! 
We only have three words for that – Research, Ratings & Reviews!
So take out those keen eyes and get online, check for the track record of the home warranty company in question by seeing the innumerable reviews on the internet. Check for their ratings and gauge how the company is performing and see for a fact how clearly the site’s rate a home warranty company, you know you can betcha on our site because we understand how important credibility is & we’ve been the go-to site for many such types of internet researches on home warranty shenanigans!




Who does not want to own a home? In fact, the sooner, the better! But with the ongoing inflation and increased property prices, buying your own home seems like a far-fetched dream. But owning a home has benefits of its own. From creating a space that defines you to re-doing the interiors without worrying about the landlord. Or be it having privacy, the perks of having your own home are endless.

Tips-to-become-a-homeowner

The increased mortgage interests and the guarantee requirements have also made it difficult to find your own abode. But there are ways can help you earn more, save better and realize your dream sooner than before.

The Way To Dream Home

People love to own a  big home that’s cozy and have ample space for all their belongings. It becomes difficult to carry things from one place to another while staying in a rented apartment. With your own home, you have the luxury to set your dream closet and fill in the place with the most drool-worthy ideas. Buying a home forms a big part of the great American dream and we tell you ways that can help you realize the same.

1.    Climbing-Up The Ladder

We all know that the home of our dreams may take us a little too long to save up for. In such a case, investing in smaller properties and then benefitting on the increased values will not only give you a huge profit but also help you pay a bigger sum as down-payment and hence avail lower mortgage interest rates.

For such a procedure, climbing up the ladder is the way as you cannot expect to buy your dream home right away. Also, there is an added risk of losing money in case the prices drop. So, it is suggested to do your research before investing in such a plan and hire a trusted realtor who genuinely wants to help you achieve your dream.

2.    Accessing The Schemes

There are several schemes available in the market that offers added benefits to first-time buyers. These schemes can be backed by banks or the government. Thus, it is important to stay updated of all the available and upcoming schemes in the real-estate market.

Housing schemes by US department of Housing and Urban development could not only offer you lower interest rates but also have the benefit of being a first-time home buyer by offering perks on the down-payment.

3.    Save-Up

There is no easier way to pave your way to your home than saving up each penny possible. It may require a lot of effort and sacrifice but once you are able to book your own home, it will be all worth it.

Giving up on expensive clothing, dinners and parties could be an effective way to kick-start the savings. Renting a home and investing in a car that actually meets your requirement to save a little more is sensible. Finally, investing in gadgets and other valuables that depreciate in value should be avoided to achieve your goals. Enrolling in a trusted home warranty plan will also help you save on regular expenses like repair & maintenance of home and appliances.

4.    Joint Ownership

Buying a property in collaboration with a friend or a family member and paying off the debt is a good idea to avoid the hike in prices. Buying a home today will shield you from the future increase of pricing. This gives you a sense of deep relief as you know that you handled the loan mortgage terms efficiently. 

However, the terms should be clearly discussed and mentioned in the contract to avoid any future disagreement.

5.    Lease To Own

This is another effective method to own a home early. In this scenario, you rent a place on lease basis from a homeowner until you find yourself capable enough of making the down payment and can finally transfer the ownership to your name. The same can be mentioned in an agreement detailing the terms & conditions of acquiring the home on a future date.

This way, you will be living in your future home right from the beginning and will have flexibility in terms of renovation and changes in the home. Also, home warranty plans can help you save on those extra expenses by covering it for you.

6.    Family Help

The family is always here to help us out no matter what. Therefore, seeking a helping hand from parents or siblings who have saved enough is likely to be the best resort to buying a new home for first-time owners. This will also prevent you from all the added stress and assure you of no hidden terms & conditions.

You can also pay them back as per your understanding and can lend a helping hand with their needs.

7.    Secondary Job

Everyone has a hobby or a favorite job that they excel at. From cooking to playing guitar, it could be anything. Taking up a secondary job can help you cover that extra mile with ease and buy your dream home sooner than expected. Another good thing about this is that you don’t have to learn a new skill and are making extra money with what you already have.

Make Your Dream Come True

It is not easy to save enough to buy a home. Following these simple methods, you can not only save better but also realize your dream of a perfect home. You can also save money by cutting down on regular expenses like repairing appliances which failed unexpectedly by intelligently shopping for a home warranty plan. It may seem to be difficult but once you start researching, you will only discover new methods to save more every day. You will always win given the advent of the internet and it is the super highway of information.




When it comes to acquiring plumbing skills, there’s no time like the present. The idea has crossed your mind before, but you did not make the time to do it. Study the great advice in this article, and you will be happy that you finally took the time to do so, if you ever have plumbing issues.Fix Home Plumbing Problems

Learning how to put off plumbing problems such as bursting pipes, leaks, and clogged drains is simple with the right tools. Old and new homes similarly require year-round attention to plumbing details, so watching for the signs of plumbing troubles is a must.

Plumbing services can be pricey. Most homeowner want to do what they can to reduce how many time they have to call for help with their drains, pipes and other plumbing features. There are a few easy tips that you can pursue on a usual basis to lessen the need to use plumbing services in your home.

Always explore plumbers thoroughly before you make a decision to use their services. Sometimes plumbers will not be very good at their job, and can even make problems worse than they are. Ensure to look at online reviews, or ask for a referral from a family member or friend. To know more about these things check out our Home Maintenance guide.

If you pack a little knowledge and a few actions of the plumbing trade into your home care toolbox, you will be able to keep away from the kind of plumbing problems that can literally soak you.

Here are 8 tips for spotting and avoiding plumbing problems before they cause serious damage.

1. Leaky toilet. Leaky ToiletToilet repairs are one of the most common plumbing problems. While the toilets themselves don’t tire out, the working parts inside them can. Leaks are a frequent result, and one leaky toilet can waste around 78,000 gallons of water a year, sufficient to fill up a backyard swimming pool!

In case you inspect a leak, test out your theory by pouring a bit of food coloring into the toilet’s tank and waiting overnight. In case the dye shows up in the bowl the next morning, you have got a leak and it’s time to put back the flush valve, an simple job that requires only a few dollars’ investment and a little of your time.

2. Clogging shower, tub or bathroom sink drain.  Bathroom drains can get clogged quickly with hair and soap residue, which is not only a plumbing problem, but a cluttered one as well. Before you find yourself with a flooding backup, clear the way with a dry or wet vacuum, a useful trick of the trade that definitely beats time-consuming extraction with an auger.

3. Kitchen sink backup.  Grease, cooking oil and other fats can literally gunk up the pipes in your kitchen sink, causing serious plumbing problems. In its place, be smart about waste disposal and outfit sinks with strainers to catch errant items and keep them clean. Occasionally flush the drain with a few gallons of boiling water to soften accumulated soap and grease. Applications of products like Roto Rooter’s Pipe Shield can also stop kitchen clogs.

4. Main shutoff valve.  Water shut off valveYour home’s plumbing system can have hundreds of different valves, but knowing the position of just one can avoid thousands of dollars in damage to a home. The main water valve regulates the flow of all water into your home and should work properly to prevent disaster.

To keep away from severe flooding if a plumbing problem were to occur, find the main water valve, which is generally located at the lowest level of your home near the street, then test the valve to ensure it turns off properly. Suspend a large tag labeled main valve from the valve handle to make sure all members of your household can find it before the flood sets in. In case the home will be vacant for a prolonged period of time; it’s smart to shut off this valve before leaving so as to avoid a plumbing problem when you return.

5. Laundry connection.  Another important plumbing point that can be a possible problem is the set of rubber connection hoses on your washing machine, which can be a hazardously weak link in the system. These hoses can dry out, burst and allow thousands of gallons of water to rush into your home. In order to avoid this plumbing problem, check the hoses frequently for blisters and cracks, and be sure to turn off the water supply valves to the washer before leaving home for an extended period of time. Better yet, put back the hoses with steel models, and consider about installing an easy-to-reach, single-lever shutoff valve just for the washer.

6. Outdoor faucets. Keep an eye on outdoor faucets year-round to make sure they are not watering the property without your knowledge, and make repairs and replacements as needed. Once the freezing season begins, turn off all faucets and drain them for winter by loosening the brass cap on the side of each faucet’s valve.

7. Water heater.  Leaking Water heaterWater heaters have quite long life expectancies, but when one leaks, bursts or otherwise breaks down, you can be in for a waterlogged disaster. Check your water heater regularly for signs of rusting or leakage at tank fittings, and if you spot potential problem, call in a certified plumber for a more thorough check to decide whether repair or replacement is in order.

8. Old pipes.  Based on the age of your home and the water lines running to it, pipes made from bygone materials can be main sources for leaks and clogs. Old terra cotta waste lines can be broken and invaded by roots, and steel pipes are apt to internal rusting that can create quite a buildup, ultimately bursting or reducing water pressure to intolerable levels.

Broken-down waste piping can be treated with two methods:

  • Relining, where damaged pipes are left in place but lined with a fiberglass reinforced epoxy, and
  • Pipe bursting, in which a specially designed machine pulls a replacement pipe through the old pipe, dividing the old pipe separately to make room for the new.

As for steel plumbing pipes, take every chance to substitute them with up to date materials. The main horizontal pipes running through the crawl space, running from your home to the street, and pipes leading to bathrooms should be at the top of your substitution list, and sectional upgrades can be done anytime you’re making a home repair that involves opening walls or floors.

Learning a bit about plumbing can be a priceless tool to have in your possession. With the right awareness about plumbing problems and the appliances that they involve, plumbing problem prevention is easy. It can even minimize the need to call a professional for repair services.




Condos are a great substitutes to renting an apartment or possessing a single family home and they have their own unique insurance needs.

About Condo Warranty Insurance

Condo Warranty

Condo Warranty is similar to appliance warranty and provides condominium owners with coverage for repair of major appliances and home systems.

Appliances are intended to make your lives simple. Refrigerators, dishwashers, stoves, and other kitchen compliments not only assist you in doing everyday chores and prepare food faster, but they take some of the monotony out of your day and allow you more free time, as well.

Unluckily appliances, like any other piece of machinery can stop working. When that occurs, instead of saving your time and hassle, your malfunctioning appliance can actually add to your stress. This problem becomes even bigger when the malfunction occurs soon after you buy an appliance. To avoid the extra stress of dealing with faults of a brand new appliance, an appliance warranty is a brilliant tool to have in your corner.

Condo Warranty Types

When procuring an appliance, inquire if the appliance is issued by the dealer or if the appliance is covered by a manufacturer’s  warranty. Some retail chains and dealers buy appliances from the makers without a manufacturer’s warranty, so as to lower their costs. There are quite a few disadvantages to this.

  • First, if the dealer or chain goes out of business, you will probably be left without warranty at all. Whenever service is required, the dealer will fix up for someone to service the unit at no cost to you. But if you are not happy with whom they have chosen, you are caught up with them.
  • Conversely, if the warranty is covered by the manufacturer, you must be able to address any of their official service agents to get the repairs done.

Comprehend Your Condo Warranties Systematically

In case you buy a product for commercial/store use for a boarding house, townhouse, or apartment building with an ordinary kitchen or laundry room, make sure to study the warranty limitations. The majority of domestic appliance warranties are only meant for single family use.

Bear in mind that the majority warranty companies, no matter at what condition your appliance is, they would still repair it than replace it.

Condo Warranty vs. Home Warranty

Condo Warranties are there to cover you when a trouble happens due to a defect.

A home warranty is planned to cover repair and replacement costs for major home systems and appliances (like wiring, plumbing etc.). Usually, a home warranty is bought as a contract for a year, with either annual, monthly or quarterly payments.

Even if you might have to pay a small deductible when you raise an issue, with a home warranty, you will have less worries about large, unforeseen bills caused by appliance or home system breakdown. When merged with your  dealer condo warranty, a home warranty must ensure that, one way or other, if something goes wrong you will be able to manage it without breaking the bank.

About Condominium Insurance

Condo Warranty Insurance

Condominium insurance is a unique insurance intended to fit the detailed needs of condo owners. Similar to renters insurance, condo insurance offers liability and personal property protection. However, condo owners need to consider additional coverage for the building based on their condominium association’s master policy and it’s coverage.

So take a look at this article, you can learn about condominium insurance below, and then obtain a free quote to see if it can help you get the coverage you need to defend your residence and your belongings.

Why Do I Need Condo Insurance?

Condo insuranceYou possess a condo and the association has insurance. So what’s the big deal? Well, your condominium association insurance covers the condominium building, commonly owned property, and liability insurance for the association.

Regrettably there are many instances where that insurance policy won’t cover you or your things – like water damage to your living room walls, break in, or someone gets injured by slipping on your wet kitchen floor. For this reason, you need condominium insurance planned specifically for condo or co-op owners.

If something happens to your condo or townhome, it may be up to you to put back things like flooring, drywall, light fixtures, cabinets and more. That’s where condo liability insurance comes into the picture.

Many condominium associations only insure the building’s structure and general areas, typically leaving each unit’s interior construction to the homeowner. However, condo insurance coverage may also vary by state.

What Does A Condo Insurance Policy Cover?

All-risk contents coverage insures the possessions inside your home for the most common types of losses. When you have this coverage, your contents are insured for the whole thing, unless it’s particularly excluded from your policy.

Named-Perils coverage includes a catalog of the most common types of items covered under your insurance. It includes theft, fire and water damage. All the items are clearly listed in your policy booklet so that you have a thorough knowledge of what your insurance policy covers.

A standard home policy usually offers for the Actual Cash Value (ACV) replacement of your possessions. This means you only obtain the value of the item, less reduction. For instance, if you bought a TV 5 years ago for $500, you might only receive $100 for it if it were damaged in a fire. Even if it may cost you $600 to substitute that same TV, your insurance would only give you $100.

Many people opted to add the Replacement Value option to their contents coverage. Replacement value coverage means that the contents of your home are insured for the amount it costs to replace them. When you substitute the item(s) with a similar kind and quality, within a definite time, the insurer will pay you what it cost you to replace the item(s). This means if your 5 year – old TV was lost in a fire, you would obtain the full amount it would cost to replace it.

When you replace the item(s) with a similar kind and quality, within a specified time, the insurer will pay you what it cost you to replace the item(s) not what they were actually worth in their used state. This means if your 5 year-old TV was lost in a fire, you would get the full amount it would cost to replace it, even if that is more than you paid for the TV in the first place.

Detached Private Structure. This type of coverage applies to structures that belong to your property, but that are not connected to your primary residence. For example, a separate garage could be integrated under this coverage. There is normally a definite limit to this kind of coverage, but you can always increase that limit by buying additional coverage options.

Additional Living Expenses. If you are compelled to leave your home because of a loss, this coverage pays for your logical and necessary expenses to momentarily live away from home. Hotel and food expenses would be covered under such circumstances. There is generally a limit on this kind of coverage.

Personal Liability. Liability insurance guards you from having to pay damages to people, if you have been found liable for accidentally injuring them or damaging their property.

Voluntary Payments for Medical Expenses. This covers medical costs if someone unintentionally hurts themselves as a result of your personal activities or the way you have kept your building. It also covers injuries caused by resident employees.

Voluntary Payments for Damage to Property. The unintentional physical damage to the property of others is covered. It may also be caused by your pets or animals, or by actions of your resident employees. This kind of coverage would also comprise the intended acts of other insured persons under a certain age.

Improvements and betterments. Investing money to get your residence better increases the worth of your investment. The Improvements and Betterments Protection recompenses you for all the additional you have put into your condominium – on top of what the builder initially provided for you, up to the limit of your replacement value.

For example, your unit was initially furnished with a $5000 medium-grade carpet. You want to upgrade to a high quality carpet, valued at $10,000. The ‘Improvements and Betterments’ protection will guarantee that you obtain the full value of your new carpet in the event of a loss. So if there were a fire, and the builder only gave you $5000 to cover the value of the original carpet, the insurer would give you the remaining $5000.

Supplemental Coverage. Aside from insuring your betterments, you may also need to insure your condominium unit itself. This will ensure that you are sheltered should the corporation’s insurance not fully cover a loss to your unit.

Loss Assessment. A significant feature of a condominium insurance policy is loss assessment. This is when you share liability with others for common property. The insurer will shell out, up to a set limit, your portion of any particular assessment that’s valid under your condominium corporation’s governing rules:

  • If it’s due to a direct loss that influences a shared part of the premises and if it has been caused by an insured hazard
  • If it’s due to legal liability arising out of shared ownership of common areas of the condominium premises
  • Providing that the assessment has not been made essential because of a deductible in the corporation’s own insurance policy

Condo Insurance Quotes ProvidersCondo insurance quote

You are likely finding out there are a lot of decisions to make and details to work out before you make a choice.

The home insurance agents recognize that a condominium is not a traditional home. However, it does need homeowners insurance of a particular type. In case you want to protect your condo, ensure to inquire about how condo insurance differs and what it covers.

Homeowners insurance agents who focus on condo insurance are an exceptional resource. In all reality, you are asking for tailored homeowners insurance quotes, when you ask for condo insurance quotes. So there is guarantee that you are receiving what you actually require in a policy.

Ensure you speak with a Condo Insurance Professional

All agencies or insurance types are shaped equal. Make sure that when you get condo insurance quotes,  you follow up with the insurance agents who offered you with the quotes, so you are alert about all the details before you invest in a policy.




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.




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

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

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

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

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

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

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

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

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

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

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

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Looking for new home warranty? Get price quotes from reputed companies such as First American and AHS
Home Warranty Plans – Protect Your Home Appl. & Avoid Costly Repairs. Get Covered Today with 30 days money back guarantee!




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

Contractor looking for job

Why Work With A Home Warranty Company?

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

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

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

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

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

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

How To Work With A Home Warranty Company?

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

Some of these leading Home Warranty Companies include,

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

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

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


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

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

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

What To Remember Before Becoming A Service Contractor?

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

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

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

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

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

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

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Is the increasing price of home warranty and insurance your concern?

You may be wondering why appliance warranty costs are always on the rise. We know that it is a huge financial strain to keep your expenses within your budget. It therefore comes as no big surprise that the yearly increase in your annual premium or just the cost of procuring a home service contract makes you want to scream.

Naturally, you begin to wonder if it is a good idea to drop home warranty. My dear friend, that may not be a very wise move. With the prices of everything around you skyrocketing, what makes you think that the prices for appliance repairs would drop? Labor charges, material charges and every other charge on the surface of Earth has gone up.

This means that if your appliances stop working, you will be paying quite a huge sum of money to get it repaired. And in another two years, the price may vary significantly. Now, if you had an appliance warranty, you wouldn’t have to pay so much. We suggest that you keep your warranty.

Now we can’t alter the prices for you, that would be difficult (read impossible). But we can explain why the prices have gone up over the years. Before that, let’s tell you what an appliance warranty does.

How A Home Warranty Works

Home service contracts are usually bought for a specific period of time during which expenses incurred for repairing your household devices will be covered. As long as the damage occurs for a covered device in the designated time frame, your only expense will be a nominal service call fee while the expenses for the repairs will be paid by the warranty company.

Why Prices Rise

So, with prices of materials and labor rising each year, is it not natural that the annual premium rises along with it? Yet another significant reason for annual price hike goes like this. As each year passes, your house becomes older and so do the appliances in it. Which means that the chances of them breaking down are also increasing.  So you see, the risk of malfunctions and system damages increase with each passing year. Hence to keep up with things, the warranty companies often hike the rates by a certain percentage. Also, if you make a claim, the annual premium may hike by a small margin in the next year.

We don’t have precise numbers from the appliance warranty industry, but we can get you a glimpse into the hikes in the homeowner’s insurance industry. The figures are often comparable.

Let’s take a look at the places where there is highest hike after a claim is made

Rising Costs of Home Warranty

Now let’s take a look at the places that have lowest hike following a claim.

state with lowest premium

Source – insurancequotes.com

The reasons for these differences are many. The labor and material costs vary from one region to another and contribute to the premium.  The state regulatory requirements can also add to increase in costs.

The average increase in annual premium varies from company to company and therefore you can get price quotes for home warranty companies and compare. Most companies determine the annual premiums based on your location and the age of your house. Sometimes it is also dependent on the number of service requests they take each year.

How to keep your premium low?

  • Make fewer claims. For smaller claims, get the repair done out of your pocket.
  • Get your appliances inspected regularly; especially the heating and cooling appliances should be professionally inspected once every year. This will improve the life expectancy and reduce repair needs. Remember, issues caused due to lack of maintenance are not covered.
  • Do comparison shopping if the premium is excessively high. But make sure you stay with a reliable home warranty company

Numbers from the Industry

The appliance warranty providers industry has exhibited a decent growth over the last few years. The industry revenue is expected to increase at annual rate of 0.4% to $1.8 billion. Their profit stands at $197.4 million with wages amounting up to $176.1million. Over the years, a few providers were acquired or merged by/with their peers.

In the next five years, the industry is expected to show an annual growth rate of 1.8% to become a $2.0 billion industry. It is believed that the recovery of the housing market, home sales and homeownership rates will increase. This in turn may lead to an increased demand for appliance warranty. Also, as the economy improves, incomes and consumer confidences are expected to rise leading to an increased spending on home appliances and other fixtures.

The final word

We certainly hope that you found this article helpful!  We have presented a true description of the industry and its working in the most honest way possible.

Yet we have to say that inspite of all the costs, a home service contract is indeed a very wise purchase if any of the following are true. You can also read our Guide to Home Warranty buyers for further assistance.

As a quick advice, if any of the following are true, it is recommended that you purchase appliance warranty.

  • Your house is over 4 years old.
  • You don’t have time for DIY repairs.
  • You don’t wish to pay up for frequent and expensive repairs.
  • You don’t have a trusted contractor.

Keep in mind that the policy booklet and the contract documents are vital documents. They have to be studied and preserved very carefully to avoid future conflicts and annoyances.




American Home Shield, the nation’s largest home warranty provider, announced that it has launched a new website to help first-time homebuyers. While there are many resources available online, the new website, FirstHomeResources.com aims to be a one-stop shop for consumers ready to buy their first home.

American Home Shield Offer

A recent survey from the National Association of Realtors (NAR) showed that owning a home is a high priority for 51 percent of renters. With this kind of figure, it is apparent that more help is needed for anxious first-time home buyers who will be hungry for thorough information. FirstHomeResources.com is a comprehensive website for home buyers who are scouting for information online.

Speaking on this initiative, Philipp von Holtzendorff-Fehling, Chief Marketing Officer of American Home Shield said “American Home Shield’s mission is to make home ownership easier and this website is just an extension of that mission”.

He said purchasing a home is a complicated and daunting process for first-time homebuyers as it requires significant planning and research efforts. The company has built this website as a free resource to help future homeowners navigate the pitfalls and prepare for the unexpected.

We at HomeWarrantyReviews.com, present a comprehensive review of the new website.

At first glance, the site looks amicable and contains menu bars for easy navigation. Here are the menu choices and a closer look at the features offered.

Planning & Research

This section introduces you to homeownership, its benefits and responsibilities and how owning a home can build equity when compared to renting one. As a first-time homebuyer, it is important that you recognize the nuances of a buyer’s market. Also in limelight are the most vital aspects of buying such as mortgages & creditworthiness, as well as the credit score system, affordability and mortgage plans.

It then moves on to explain the home market and types of homes to look for. “Planning your Search” section provides insights on working with a real estate professional in finding a home. This area stresses the fact that the Internet is the best place to research and gather relevant data.

You can also download a complimentary copy of the “First-time Homebuyer Guide” which contains key tips and checklists to plan your purchase and move.

Making the Purchase

Making a purchase is probably the most crucial juncture in fulfilling the dream of owning a home. This segment covers diverse aspects surrounding the deal. From hiring an inspector to helping you assess the pros and cons of a property, to shopping for mortgage and more, detailed purviews are provided here. This section also covers the value of a home warranty and traditional homeowners insurance along with the benefits of those services. For a homeowner, a home warranty can provide important protection against unexpected expenses when covered major appliances/systems break down due to normal wear and tear.

Settling In

If you have struck a happy deal with the seller and are settling down, refer to this section for links and websites to help homeowners. While many websites listed are primarily the services offered by Service Master, this section also covers some external websites.

Sweepstakes

This area gives an opportunity to enter a drawing to win iTunes gift cards from American Home Shield. Two $50 gift cards and one $500 gift card will be given away each week and an additional $3000 winner will be drawn monthly. The sweepstakes is open now through 10/31/13.

About AHS

American Home Shield is a subsidiary of The ServiceMaster Company and is the industry leader in the home warranty industry. Founded in 1971, AHS services more than 1.3 million customers across 49 states in the US. The Memphis-based company employs approximately 1,800 employees and has a national contractor network made up of over 10,000 independent home-service contractors.

About ServiceMaster

With a global network of more than 7,300 company-owned, franchise and licensed locations, Memphis-based ServiceMaster is one of the world’s largest residential service networks. The company’s high-profile brands are Terminix, TruGreen, American Home Shield, ServiceMaster Clean, Merry Maids, Furniture Medic and AmeriSpec.

Disclaimer: The information provided here is to educate homeowners with the latest industry updates. We are not advising for or against any of the above companies.




Most homeowners are quite concerned about maintaining their household appliances in good working condition. Any homeowner worth his salt will admit that it is no easy task. Hence it calls for some expertise in the form of appliance maintenance plans. What confuses homeowners is the fact that there are so many appliance maintenance plans out there and they end up wondering which ones to sign up for!

Here’s an article that’ll help you decide what plans you need to buy to ensure smooth running of your household appliances, while going easy on the pocket too.

HVAC Maintenance Plan

Plumber at Work

There are quite a few things you need to consider before you decide whether or not you need an appliance maintenance plan.

  1. Age of your appliances: If your appliances are 4+ yrs old, you may need a maintenance plan.
  2. Availability of a trusted contractor: If you don’t have a contractor you can rely upon, it is highly recommended that you purchase a home protection plan.
  3. Sufficient funds for frequent repairs and replacements: Repairs and replacements are expensive to get done. Makes more sense to buy protections plans, right?
  4. Time and skill for DIY repairs: Unless you are a contractor yourself, it is advised that you seek professional help in case an appliance crashes.

In short, folks who have old appliances, lack DIY repair skills and sufficient money and do not have a trusted contractor should purchase some form of protection for their household appliances.

What plan do I purchase?

Let’s make this easier for you. An HVAC maintenance plan covers only heating, ventilation and cooling units. A basic home warranty plan covers all the major systems and appliances in the home which includes HVAC units and other appliances too. In simple terms, the coverage is often more for home warranty contracts.

Let’s take a look at some of the common advantages

  1. Budget protection
  2. Service from qualified and skilled professionals
  3. Increases value of property at the time of sale
  4. Peace of mind.

Now let’s take a look at the advantages separately

Advantage of HVAC maintenance plans:

  • Often includes annual/ half-yearly maintenance routines.
  • Discount on labor and parts
  • May help lower electricity bills

Advantages of Home Warranty plans:

  • Wider coverage. Protects more than just HVAC units. Coverage can be extended as per homeowner’s wish
  • Covers damage that occurs due to regular wear and tear and sometimes even due to lack of maintenance. This does not apply to HVAC maintenance plans.
  • Affordable and transferrable
  • Increases the value of property at the time of sale

Who needs an HVAC maintenance plan?

  • Homeowners who have no time for repairing and maintaining their HVAC units themselves
  • People who don’t have the budget to carry out regular maintenance routines
  • People whose other appliances and systems are reasonably new and well-maintained
  • Folks who require budget protection

The U.S Dept. of Energy advises having your HVAC systems checked at least twice a year. This could be expensive for some.

Who needs a Home Warranty?

Homeowners whose homes are aged should definitely think about purchasing a home warranty plan. It covers more than just your HVAC units. Ideally, following are the types of homeowners who need a home service contract:

  • Homeowners whose homes and the components in it are 4+ yrs old
  • People who lack time and skill for DIY repairs
  • People who lack sufficient funds for costly repairs and replacement services
  • Folks who are first time homeowners

Still undecided?

Although most home warranty plans include coverage for HVAC units, the services are not as extensive as provided by an HVAC plan built specifically with heating and cooling needs in mind. If you feel that you are okay with basic coverage, then it would make more sense to go for a home warranty as your other appliances get protection too. Another option (safer one) is to buy a home warranty plan that covers on general household appliances and electrical systems and then to top it up with an HVAC plan. It may cost a little more than just a single plan, but it will be useful in the long run.

Yet another vital thing to do is to get your HVAC appliances get checked by a professional at least once a year. Regular maintenance checks are often helpful in diagnosing problems at an early state. Hence, no matter what the age or the make is, annual maintenance checks are a must for every HVAC appliance/system.

You can also read about Home Maintenance Tips on our website. We host several articles that explain the maintenance regimes for various household appliances and systems.

Remember, no matter how much thought you give into deciding a plan, if you don’t take the same effort for picking a reputable company, it may disappoint you. Always, we repeat, always select a trusted warranty provider and do sufficient research before you sign the contract. You can visit websites like ours, HomeWarrantyReviews.com, to see reviews and ratings about various warranty providers. Our website provide readers with reviews from genuine customers who are more than willing to share their experiences with others.




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

Stanley Warranty

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

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

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

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

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

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

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

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

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

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

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

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

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

What’s A Nice Homeowner To Do?

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

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

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




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.




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

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

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

How to Minimize Your Chances for Claim Denials?

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

How to Dispute Unfairly Denied Claims?

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

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

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




Real estate transactions are always approached with caution. They often involve large amounts of money so being careful is a wise step. Having a skilled real estate agent may help you a lot in achieving a deal that’s perfect for you, especially if you are new to real estate dealings. But the questions is, how do you choose a real estate agent that suits your needs?

Irrespective of whether you are a buyer or a seller, there are certain things that you can do to ensure that your real estate agent is quite good. You can ask your friends and relatives in case if they have used the services of a real estate agent before for referrals.

Pick The Best Real Estate Agent

How To Pick The Best Real Estate Agent

 

But before you decide about an agent, understand why exactly do you need an agent. There are many benefits of hiring a real estate agent.

  • Saves a lot of time and energy
  • Negotiation skills of a real estate agent could come handy
  • Better access to the buying/selling population

So our checklist for picking the right real estate agent involves doing the following things-

#1. Credentials

Some say that like doctors, real estate agents too have specializations. A certified real estate agent often belongs to any of the three categories-

  • Certified Residential Specialist (CRS)
  • Accredited Buyer’s Representative (ABR)
  • Seniors Real Estate Specialist (SRES)

Also, if an agent calls himself a Realtor, it could mean that he/she is a member of the National Association of Realtors (NAR). Based on what your requirement is – buying, selling or renting, pick an agent with the right credential.

#2. License

Check with your state’s regulatory body to find out whether the agent you have in mind has a license to be a real estate agent or not. Most states have a board from whom practicing real estate agents are expected to obtain a license. This board also oversees the discipline of such agents. Such a regulatory body would be the best place to find out if there are any existing complaints, disciplinary actions or lawsuits against a certain real estate agent or not. This information could be available online.

#3. Tenure In The Business

This information can be obtained from the regulatory board in your state. The state licensing authority often gives more precise answers than the agents themselves. As you want someone who’s on top of their game, an agent who has not been active in the last few years may not be a good choice.

Keep in mind that you want someone who is familiar with your target location and price range. Someone with a bad market presence may not be a good choice.

#4. Listings

These days most agents have a website through which they invite in potential clients and also display their current listings. If you are a seller, you should be ware that most buyers begin with the Internet. So you want someone who makes use of the Internet effectively, as being web savvy definitely has its advantages.

If the real estate agent’s website has a database of current listings and its details, it is definitely a good sign.

#5. References

If a real estate agent is good, he/she would’ve closed many deals and would have many clients who recommend them strongly. The greater the number of closings, greater is the agent’s experience. Make sure that you call up most of the references provided by the real estate agent. Clients are often the best people to give you feedback.

Do Your Research

While we have given you really cool tips, we strongly suggest that you do ample research before you pick an agent. Ideally, meet several real estate agents and shortlist the ones that meet all the above mentioned pointers. You can then pick one from that list. If you are a seller, we would also like to remind you that offering a home warranty with your home may increase the sales price of your property. And if you are a buyer, if a property comes with home warranty, it could mean that your budget could stay protected if major appliances and systems require repairs.

We hope you found this article useful. Do let us know what you think. Cheers!




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.

What is Structural Insurance?

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.

Structural Insurance & Home Warranty

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

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.

Builder’s Insurance

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.

Why Insurance During Construction is Essential

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.

Structural Warranty for self built homes

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.

Home and Structural Warranty

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.

 




There is no question that a large number of people would give anything to live in California. This is one of the greatest states in the US because no other location in the entire country has ever been able to become the capital of entertainment and dreams. The state that has given life to the largest phenomenon in the entertainment industry and that is of course Hollywood. This is one of the main reasons why so many people choose to move to this state. In this article we are going to talk about the top five warranty companies and how important it is to be able to hire their services if you want to get the best service. These are the top rated home warranty companies in California as of June 2015

1. The Home Service Club

This is a great company that has an excellent service with two main warranty plans available. They have the standard and comprehensive plans. Once covers the primary systems and appliances and the other covers basically everything in your household. The reviews are generally very good and their services are known to be very efficient. They have fewer plans than others, but their current plans are quite good.

2. American Home Shield

This is the company that basically founded the home warranty industry. They offer a wide variety of home warranty plans that have a wide range of costs that can fit most budgets. The general opinion in the reviews about this company are quite good, so you can definitely trust their services to be good. They have been in the business longer than anyone else and they have learned how to get things done properly.

Home Warranty Companies in California

3. Home Warranty of America

This is another company that has been providing excellent services to millions of Americans in every state of the country. They have been providing some of the most cost effective plans that are available in the industry. The reviews for the business are very positive and their customer service is their greatest strength. This is one of the companies with the largest reach in the country.

4. Select Home Warranty

This company has plans that truly fit all kinds of budgets and they give coverage to all sorts of properties and the repairs and replacement that might be needed for their homes. This is the main reason why so many reviewers are saying that this is the home warranty service.

5. Total Protect

There is no question that customer services is the most important thing that the staff at Total Project wants to be able to provide to all of their clients. They have a very special method of helping with home warranties by giving homeowners better tools in order to maintain their own homes much better. The reviews say that this is the one company that seems to get involved the most and this is the reason why they have gained so much respect in the business. The reviews are generally quite positive too.

Conclusion

There is nothing more important than being able to get the right kind of service when it comes to your home warranty. This is going to allow you to maintain your home in top condition at all times for a very reasonable cost. The use of this kind of service has become extremely popular in California and now you have plenty of choices that will allow you to decide which one is going to be the best decision. You can research all of the companies that we have just mentioned and decide which one will be best for your needs.

To view a complete list of top rated home warranty companies use the link below: