A Quick Guide To Home Warranty

Home is where thy heart is, and there is no greater pleasure than coming back to the place where you belong. But a leaky tap or a broken air conditioner can ruin it all. Buying a home is a huge investment and maintaining it is  equally taxing. Appliance breakdown or plumbing issues not only burn a hole in your pocket but also ruins your peace of mind. Home warranty can be the tool that can make your life hassle free.

What Is a Home Warranty Plan?

Home warranty is a service contract that promises to repair or replace damaged appliances and systems, provided it meets the terms and conditions of the deal.

Guide To Home Warranty

A warranty differs from a general homeowner’s insurance policy in that it covers repairs and replacements of faulty appliances or systems whereas homeowner’s insurance covers your home and its contents from uncertain events  such as loss, theft, and destruction. Home warranty is different from a manufacturer’s warranty as well.

Should You Buy A Home Warranty?

If your appliances and systems are no longer under the manufacturer’s warranty or you just want the added peace of mind, then yes a home warranty could save you money in the long run and cover the maintenance that your home insurance does not.

What is covered?

In home warranty, coverage depends on the value of purchase. In this case, the more the merrier. The coverage groups the appliances into different categories. The following are usually covered in a first-tier or second-tier plan offered by home warranty companies. For a complete list, check what is covered in a home service contract article.

Major appliances

These generally include appliances such as an oven, refrigerator, dishwasher, garbage disposal, microwave, washing machine, clothes dryer and ceiling fans.

Heating and cooling systems

These usually include furnaces, air conditioners, heat pumps and ductwork. However, portable air conditioners and heaters are not always covered.

Plumbing

It includes indoor pipes and drains, faucets, swimming pools and hot tubs.

Electrical systems

Covers electrical panels, wiring, garage door openers and door bells.

Are you a homeowner? a home buyer? a seller? or a real estate professional? It does not matter which end of the deal you are at. Home warranty is bound to benefit all.

Homeowner And Buyer Benefits

A perfect home protected by a home warranty is like a cherry on the icing. It provides peace of mind to the homeowner who otherwise might not be able to meet unexpected repair bills when one has already invested a lot on a house. The benefits of a home warranty plan include:                                                                                                           benefits

  • Cash flow protection on unexpected repair and replacement of appliances.
  • One call and a nominal fee, the issue is sorted.
  • No need to screen and follow up with contractors and other professionals.
  • Most major systems and appliances are covered under the standard plan.
  • Provides ongoing home protection, renewable year after year.

Seller Benefits

A property with a home warranty can generate greater demand. Homes listed with a home warranty are more attractive to potential buyers, and tend to sell faster and often fetch a good price. The benefits of a home warranty for a seller are:-

  • Appliance protection plan as an incentive to attract buyers.
  • Minimal cost premium not paid until closing.
  • Budget/cash flow protection on unexpected repairs.
  • Reduced after sale worries. This means, if a breakdown happens after closing the deal, buyers will call the warranty company not the seller.

Real Estate Professionals Benefits

A home warranty is a very important aspect of the real estate transaction providing many benefits during the marketing period, while the home is under contract and after the close of sale:-

  • Homes with home warranties tend to sell faster and closer to the asking price – minimizing marketing efforts.
  • Reduced after sale hassles – when a buyer experiences a breakdown, they call the warranty company, not the agent.
  • Satisfied clients will generate increased repeat/referral business.

How Do I Select A Home Warranty Plan?

A number of different companies offer home warranty plans. Regardless of who pays for the policy, the buyers should review the coverage from various companies and select the one which suits the best. Read the fine print carefully to spot coverage limitations and exclusions. Be sure to get a home warranty plan that covers “pre-existing conditions” which were not known to the sellers or their agent. Pre-existing defects that were known are excluded from coverage.

Possible Exclusions In A Home Warranty Plan

home warranty exclusions

A home warranty can cover almost all your household appliances and systems, as long as you are prepared to pay for a high level of coverage. Warranties generally do not cover things such as permit fees or hauling fees, nor cosmetic structures that are part of your appliances that can easily be replaced, such as: oven rotisseries, broiling and baking attachments, refrigerator shelves and bins and water filtering devices. Here is a list of possible exclusions which you need to be careful about.

 Structural Problems

Warranties do not cover any structural problems in your home, such as a crack in the basement wall or a leaky roof.

Pre-existing Problems

Even for the things that are covered, a home warranty company will not usually agree to repair or replace appliances or systems that had pre-existing problems at the time when you obtained the warranty.

Lack of Maintenance

The company may not be willing to repair items that were improperly maintained or installed or that violate building codes.

Hidden charges

Take note of any extra fees. Some home warranty contracts charge extra fees in addition to the deductible, including service fees and missed appointment fees.

Limited number of claims

Improper previous repairs, pre-existing problems and more are excluded from coverage. Also, some companies may limit the number of claims you can file.

The pain of finding a repair person or replacing your appliances can be avoided with a home warranty plan. It can free you from the financial burden of expensive repairs and replacements. But, we provide you reviews on companies by many homeowners, homebuyers and real estate professionals. This will aid your efforts to choose the right company suiting your needs. Want to receive quotes from a list of companies? Just provide your zip code and address and the job is done! This means no waste of time in signing up.

Like any other insurance, home warranty is also bound by clauses, therefore read the fine print and make yourself aware about the hidden clauses to make best use of the deal.





Anyone with a fully functional kitchen can tell you with confidence that a dishwasher makes a huge difference when it comes to reducing daily workload. Many other major appliances can also breakdown suddenly, so one needs to lookout for all the major appliances in the home along with the dishwashers. With the advent of new technologies and modifications in dishwashers, they have in fact become efficient in terms of water and power consumption as well. The newer models utilize even less water than hand washing dishes does!

Dishwasher Benefits & top tips on how to select the best one

Mostly, a dishwasher is priced around $800-$1000 and within this range, you are sure to get an efficient dishwasher with a reasonable capacity and silent motor. There are options within a lower price range but they tend to be louder and if you have a bigger load, then not all your dishes might come out clean. Having said this, they might be still adequate for your needs, and at the end of the day, it does depend on how often you use it and to what degree.

High-end dishwashers do come with their advantages, but in a sense, are very close to the mid-range appliances. They do tend to be quicker in washing a load, with additional racks and specialty zones with extra water jets, but if you dig deep enough you might find something which is similar within a $1000.

If the consumption of electricity and water is compared, a dishwasher is, without a doubt, more efficient. One cycle of vessels washed in a dishwasher of medium capacity utilizes about 3 to 5 gallons of water and 1 kWh of energy. Now it isn’t hard to believe that hand washing uses more water – in fact, 5 to 7 times as much – but interestingly even the electricity usage is higher when vessels are hand washed.  The electricity required to heat 20 to 30 gallons of water for hand washing vessels is three times what a dishwasher uses for a cycle.

According to these estimates, a dishwasher saves you anywhere between 300 and 400 kilowatt-hours of energy in a year, and a whole of 3000 to 4000 gallons of water. There is no doubt, dishwashers are one way to efficiently utilize the resources we have.

What’s more, the dishes washed in the dishwasher get a lot more sanitized than the ones washed by hands, for no other reason but the fact that the water inside reaches up to 160°F, a good 50 degrees more than an average hand can bear. These high temperatures handle grease and bacteria in ways that usual washing never can, making dishwashers an excellent addition to your list of household appliances.

What Not to Miss

Technology is always on the move and there is a new innovation every day! Dishwashers are no exceptions. Models are continually evolving; before buying one, do your homework. Give it some time and try and map out your average load size and frequency. How many times do you use a dishwasher? Daily or, twice a week? Do your vessels usually have high levels of grease and crust or are they easy to wash? The answer to these simple questions regarding your routine and style of cooking can help you narrow down a great deal from all the options that are now available.

Warranty is another extremely important feature – one or more years for free parts and repair is never something to take lightly. Especially when an appliance is used consistently, it is bound to need servicing and replacement of parts one way or another. And it makes sense for every homeowner to know how to effectively take care of all of the appliances, let alone dishwashers!

Modern technology has improved the dishwasher to a get extent, and manufacturers have even come up with models that function at nothing louder than a low hum. With chic controls, efficiency in energy and water use, stainless steel body, and interiors for zero rust and perks like water softeners built into the system so that your dishes are sprightly clean without any hassle, these dishwashers are no longer aesthetic eyesores. In fact, you are going to want to show them off! That said, there is no doubt that they are priced proportionately to their features, so be prepared before you stray to the high-end aisle in the showroom.

The world of almost-robots being a part of our daily lives is here and has entered our homes and workspaces. Many companies have also introduced “Smart” Dishwashers, which use sensors to check cleaning during wash cycles, allowing for customization of your machine settings to meet your load settings and retain optimum efficiency.  If you are looking for something in which you don’t have to interfere at all, then a smart dishwasher is what you need.

Buttons, Controls, Aesthetics and Styling

If machines can function all with sensors, then there is no doubt that controls have become a lot simpler. Whirlpool has introduced a dishwasher which functions with just a single push of a button – a One-Touch control.

Dishwasher controls can be broadly divided into push buttons, dials, and electronic control pads. While mechanical controls such as buttons and dials are a lot more reliable and actually easier to use, the trend has moved towards electronic for its style and trendy aesthetic.

Besides just putting it on, there are usually three kinds of cycles a dishwasher offers – Light, Normal and Heavy. Some washers also provide for a Gentle cycle for people who wish to wash fragile dishes made of crystal and china in dishwashers as well.

The last control is one that adds a timer to the mix, allowing the user to set the load to start at a later time.

Aesthetics have become extremely important when it comes to any room of the house, and appliances becoming trendier is the natural course that design is to take. Instead of hiding their dishwasher under a ledge or behind cabinet doors, people choose to customize the appliance to match the design of the kitchen. Usually, they come in tones of steel, white and black. Lately, companies have begun to offer customized finished to match their cabinet surfaces and tiles. In fact, companies such as ASKO have started a Designers Series in home appliances, with a variety of colors that can even be matched exactly to the shade of your wall or cabinet.

Dishwasher Capacity

Conventional dishwashers are generally of the same size because they are made to fit under a standard height counter which is 24 inches wide. European models are usually smaller than American ones. The most important element when it comes to the capacity of a dishwasher is actually it’s flexibility in rack sizes and shapes, allowing you to snuggly fit in a variety dishes and kitchen implements. Your options might include, terraced racks, fold down trays, and adjustable or removable stands.

Energy-Efficient Dishwashers

Post the federal regulations that were imposed in the late 20th century, dishwashers have become twice as efficient in the use of both water and electricity. This minimized usage is resulting in dips in owner’s electricity bills. Experts opinions and research shows that the maximum amount of energy used in a dishwasher is for the heating of the water, so many new models have inbuilt water heating systems that are localized and efficient. If you invest in one such appliance, then you should be saving up to 20% more on electricity.

Another perk of newer models is that they no longer require you rinse dishes off before you place them in. This not only saves time but also lands up saving water and electricity as the entire process happens in one go without any human intervention. Instead of using soak cycles which waste water, dishwashers have begun to use pressurized sprays to get dishes clean and dry.

Dishwasher Energy-Saving Tips

As we already know, most energy in a dishwasher goes into heating water, then the drying cycles, running the pump and lastly, powering controls. While shopping for a new dishwasher, picking up an energy efficient model is the first step to energy savings, however, there are a few tips on how you could use your dishwasher to the best of its capability.

  • Dishwashers that are being manufactured now are quite powerful, especially when it comes to cleaning. Skip hand-rinsing your dishes, not only would you save water and thereby energy, but also it would let your dishwasher do what it is meant to!
  • Do not over fill your dishwasher. This might lead to in dishes not getting cleaned properly, requiring more than one cycle.
  • There is a huge variety of washing cycles in dishwashers that are in the market now. Experiment and choose what suits your needs the best. The ‘power scrub’  or ‘heavy load’ option may not be necessary for every load.

Four Dishwashers Ideal for Daily Use

KitchenAid KDTE104DSS

KitchenAid Dishwasher

A trendy and efficient model which is also priced reasonably, the KitchenAid dishwasher is one of the quietest in its price range. It has electronic controls situated at the top of the unit, and its one-touch function comes with a Pro-Wash preset that can not only choose the right cycle type for the vessels you load but also alter its settings for more efficient cleaning as it is working. This real-time alteration of settings at such a price is one of its kind, and it also has added features of increased temperatures that kill virtually all the bacteria present.

Bosch 800 Series SHX68T55UC

Bosch 800 Dishwasher

If energy efficiency is what you are looking for then the Bosch 800 series is the way to go. Even though its setting and cycles are standard, elements of modernity are instilled within its functioning, wherein it costs much less to operate as compared to others of its kind.

Electrolux IQ-Touch EI24ID50QS

Electrolux Dishwasher

Electrolux is for individuals who want a dishwasher that can cater to a variety of dishes, materials, and sensitivities. With a very wide range of cycle options and controls, this dishwasher does include cycles that are energy efficient as well.

Samsung DW80F800

Samsung Dishwasher

If you have dishes to clean with crusts and heavy grease stains, then the Samsung DW80F800 is your go to machine. The jets on this unit surpass any other, and as it uses pressure over soak, this appliance is also energy efficient. As a perk, its interiors are stainless steel and resistant to any abrasions.

Home Warranty for your Appliances

Any daily use appliance is bound to sustain routine wear and tear, making its manufacturer’s warranty insufficient. Very rarely do we discard appliances once their warranty gets over, but what we don’t realize is that an appliance needs servicing and repair most once its company-given warranty runs out.

Enter Home Warranty, a simple solution to maintenance and servicing of your home, its appliances, and systems. Everything from scheduled inspections to routine servicing and a claim coverage which will assure that you owe virtually nothing, Home Warranty is an investment worth making. HomeWarrantyReviews.com has a databank of articles, reviews, top ranked companies and guidelines, all catering to consumers who wish to purchase a warranty for their homes. Join the community and look at the research and tools to truly get to know its wide-ranging benefits and policy options offered by companies in your state.




Considering that you are on a website devoted to home warranties, you may already know what a home warranty is. It is essentially a service contract that agrees to provide you with  repair/replacement services for appliances or systems in your home. Most homeowners wonder whether annual premiums are put to better use if they are set aside as emergency fund instead of being paid to warranty providers, hoping that they will come to the rescue if a breakdown happens. The question here is, what if the annual premium is paid and no claim is raised in that year? This article will address the question in detail.

Protect Your Budget

Home Warranty & Budget Protection

 

How Does A Home Warranty Work?

A home warranty company maintains a network of technicians and service vendors, who are dispatched to a customer’s house as and when a claim is raised. The customer is often charged only a service call fee and not the entire expense of fixing a damage. Here’s how home warranty benefits the homeowner

  1. The homeowner doesn’t have to step out of the home to look for a contractor.
  2. The damaged appliance(s) does not need to be taken to a repair outlet.
  3. The cost of repairing the damaged device is usually in hundreds if not thousands.
  4. Some damages are irreparable, which would call for a replacement of the entire appliance, costing a lot.
  5. Home warranties are known in many cases, to increase the sales price of a property.

What they fail to recognize is the very real potential that they will spend more than a few years’ home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Don’t you think it’s worth?

How Does Home Warranty Protect Your Budget?

Many homeowners have expressed concerns about the annual premium that is paid for a year in which no claim was made by them. However, what they fail to recognize is the very real potential that they will spend more than a few years’ worth of home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Minus a warranty, an average repair cost would be around $500-$1000 for a typical household appliance. Replacing would definitely cost more, sometimes several years worth of annual premiums.

As you can see, annual premiums seem like a very small fee in comparison with the amount you would have to pay if an appliance breaks down.

Let’s take an example of a typical homeowner, we’ll call him Mr. Bond. Mr. Bond believed that setting aside $400 every year for emergency repairs would make more sense than purchasing a home warranty plan. Three years into this practice, his HVAC unit decided to call quits. Mr. Bond asks around and finds out (to his dismay) that a high end HVAC system would cost around $5,800. He had saved up around $1200 and all of that wouldn’t help him get a new one.

Had the story been different and if Mr. Bond had opted for a home warranty instead, he could’ve had the replacement done at a fraction of the cost.

When Is A Home Warranty Not Advisable?

The only time it doesn’t make sense to opt for a home warranty over saving that money is when your house and the appliances in it are new. As a rule, home warranty is only recommended for folks whose house and its contents are over four years old. If you belong to this category, then the chances of your appliances or systems breaking down are low. So paying annual premium to a home warranty provider may not make sense, especially when many of the appliances at your house are still under warranty.

The Final Word

If you meet any of the conditions mentioned below, buying a home warranty will likely provide you with budget protection and not to mention, feeling of confidence. Here are the parameters-

  • If your house is 4+ years old.
  • If you are not great at DIY repairs.
  • If you cannot afford expensive repairs and replacements at frequent intervals.
  • If you do not have time to do a repair yourself or go around looking for a contractor.

If you meet any one of the above mentioned conditions, you will probably benefit from an appliance warranty. As long as you go with a company that is reputable, you should find yourself with nothing but pleasant outcomes.

If you are still unsure, we suggest that you look into our guide for home warranty buyers. Once you do that, you may want to look at some of the best home warranty companies in the country to get things started. Should you have any concerns, don’t hesitate to holler at us. Cheers!




Home Warranty or appliance extended warranty are basically insurance policies for the appliances and systems in your home. Hope you never have to employ them, but glad you have it when your appliance breakdown. With cost of service & electronic components, your repair bill could end up being the same as the price appliance was bought for.

This article will help you in deciding on what is more pertinent, buying a home warranty or extended warranty.

Home Warranty and Extended Warranty – ComparisonHome Warranty or appliance extended warranty

Home Warranty – Valuing Your Possessions

Hands and little house.‘Home Warranty’ is typically provided by the builder to a new homeowner. This covers major household appliances and systems such as washing machine, refrigerators, gas system, central heating and plumbing. Remember, you are only covered if the failure of the appliances or systems is not a result of mishandling or misuse.

 

 

Appliance Extended Warranty

Extended warranty, as the name suggests is usually purchased for a specific appliance(s) or system(s) for a definite period. This warranty is generally provided by the OEM (original equipment manufacturer) or any of their subsidiaries or partners. Extended warranty begins once the standard warranty on the product expires and comes with a cost.

What You Get With Your New Appliance

Manufacturer’s Warranty

The least you must be expecting from a warranty on a new appliance is one year on parts and labor. This home warranty cover flaws in parts and workmanship for that year. Generally this warranty will be on site service except for smaller units that may have to be transported to the nearest service centre at the owner’s cost for repair.

This warranty generally starts from the date the appliance was purchased, delivered or installed.

Appliance warranties may or may not cover “cosmetic” or “customer instruct” claims. Cosmetic claims might be a scratch, broken plastic trim piece or knob. Some manufacturers will cover these claims for the first 30 or 60 days. Customers instruct calls can include installation issued calls or operation calls which will also be covered for the first 30 or 60 days.

Limited Warranty

Limited warranties are extended warranties on specific parts of your appliance. These limited warranties are stated in owner’s manual and have fine print, so ensure you read them carefully. Most of the limited warranties offer the part free of cost, the customer may be asked to pay for labor.

Below are some examples of limited warranties.

  1. Laundry products may have a 2-5 year limited warranty on parts that stop working. Other limited warranties may cover the transmission for up to 5 years and a limited lifetime warranty on a stainless steel tub. The part will be covered but you will generally be liable for the labor and any trip service charge.
  2. Cooking appliances may have an extra 2-5 year limited warranty on ceramic cooking surface, heating elements and electronic controls. This is normally only parts and you need to pay for labor and any trip charges.
  3. Dishwashers may have an additional limited warranty on the pump/motor assembly for 2-5 years. The inner tub may also be covered against rust after 5 years to the lifetime of the appliance. Labor and service charges are your responsibility.
  4. Microwave ovens usually have a 5 year limited warranty on the magnetron. You may be responsible for un-installing the microwave if it is an over-the-range model.

Parts replaced under a limited warranty will not increase the warranty period. Generally they will only be assured for the remaining life of the original product’s warranty period.

Lastly, these extended warranties or any appliance warranties are not transferrable to a second owner so keep this mind while buying or selling a pre-owned product.

Do I require Home or  Extended Warranty?

When repairs on appliances are needed, they can be pricey. Here is a list of appliance types and some repairs that we think might call for a purchase of a repair contract.

Built-in Models

When a major problem occurs, specially a built-in appliance, it may not be easy. Some built in appliances are not uniform in size and cabinet work may be required to replace this appliance. In this case, getting the appliance repaired may be expensive. Contract would definitely be best for this case.

Electronic Models

Many modern day appliances have electronic controls. If you live in an area that is prone to power outages, surges or fluctuations, electronic appliances have a bigger danger of being damaged. Most electronic boards are not low-priced to replace, as some cost well over $300 for the part alone. In this case, an agreement would perhaps be wise.

Gas Range

Majority of gas ranges use electronics for control and ignition of the gas. These parts need service or replacement through the life of the stove. Glow bar igniters in your oven are not hard to replace but the cost for these parts are $50-$150. Control boards cost generally from $100-$250. With these costs alone, you can purchase an agreement.

Standard gas ranges require fewer repairs. These stoves are very simple and can run for a lifetime without a repair. Moreover, of gas stoves can still be used even if you have a power outage. In this case, agreement is not recommended.

Electric Ranges

For electronic, self-clean, glass top stoves, a contract is always recommended. Parts on these stoves are usually pricey. Elements alone can cost almost $200; glass tops can cost $600, and controls up to $250.

In case you are purchasing a simple, basic coil type stove, repairs are fairly low-priced. In most of the cases these repairs can be done by the homeowner and he/she shouldn’t be worried about a repair agreement.

Gas Dryers

Gas dryers must be serviced by skilled technicians only. Sometimes heating problems are difficult to diagnose and can be dangerous if not corrected properly.

 

What you Should Know About Home Warranties and Extended Appliance Warranties

Do your homework BEFORE buying home warranty or extended warranty for your appliances or systems. Understand the “Terms and Conditions” of the contract, specially its limitations.

Be sure you know:

  • Any repair NOT covered
  • If you must get second opinions or price estimates before repair
  • The reputation of the selling agent
  • If the agreement contains a service repair cost “deductible” clause
  • If you have to take the appliance to the repair shop or it will be repaired in your home
  • If you will be reimbursed for consequential damage such as clothing or food loss resulting from freezer failure
  • If the agent is responsible for a repair when the necessary part is no longer available
  • If you can renew annually and what the cost is to do so

Asking the right questions BEFORE PURCHASING will prevent unwelcomed surprises!

 

Differences between Extended Warranties & Home Warranties

Extended Warranty

extended-home-warranties

‘Extended Warranties’ usually mirror your original home appliance warranty, offering repair, service and replacement of major systems and appliances within home that breakdown. Extended warranties can be provided by the manufacturer, the dealer where you purchased it, or third party. Manufacturers will generally let you procure an extended warranty at the time of purchase or during your warranty period. Since these warranties are offered by who made your appliance, so the service will generally be provided by the same people who provide the warranty work.

These service companies usually have the proper training for your appliance and are more knowledgeable about your appliance.  Dealer extended warranties will either service your appliance themselves or use an approved service provider. Either way, the service company must be trained for your appliance similar to the manufacturers extended warranty contract.

Third Party extended warranty is generally managed by a national company. One more thing that you should keep in mind is that some credit card companies extend the manufacturer’s warranty by a full year when you pay using one of their cards.

Home Warranty

Home warranties are all the time, a third party company and are a bit different than extended warranties. These warranties cover your entire home which includes plumbing, HVAC systems, electrical appliances and other items. The cost related with these home warranties is based on the items that are actually being protected and on the type of deductible or service fee you sign up for.

Home warranties can be procured any time without any age restrictions or an inspection of your home and equipment. In addition, sellers, builders and real estate agents provide these home warranties when selling their houses.

These home warranties need to be read very carefully. Home warranties have the most omissions and generally the highest deductible cost to the homeowner.

There are dozens of home warranty companies which do not perform the work themselves. They sub-contract all the work out to independent, generally local, service shops of all types.

 




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

Gardening Beginners

Beginners guide to gardening

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

Step 1 – Allot time

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

Step 2 – Decide where the garden should be

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

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

Step 3 – Do some groundwork

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

Step 4 – What type of garden?

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

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

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

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

Step 5 – Procure the saplings/ seeds

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

Step 6 – Buy some tools

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

Step 7 – Start planting

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

Step 8 – Give them a drink!

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

Step 10 – Extra nourishment

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

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

 

Troubles May Brew

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

Likely hiccup # 1 – Maintenance

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

Likely hiccup # 2 – Misconceptions

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

Likely hiccup # 3 –  Weeding

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

Likely hiccup # 4 – Deadheading

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

Almost there!

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

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

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

 




Home renovation, remodeling, and home improvement, in general, are times that are full of excitement. You get to plan and source all the materials and surface finishes you always wanted, you get to upgrade appliances and alter layouts to best suit your needs – but the process of home renovation can be taxing.

Survival Guide of Home Renovation for All Homebuyers

Days and sometimes months of work go into refurbishing and refitting your house, and this duration can be extremely tiring. The home renovation is unavoidable, but the stress certainly is avoidable. Follow these simple tips that will help you breeze through the home renovation:

1.                Move Out if Necessary

If you are renovating your house entirely, you’re left with no option other than moving out. It’s best to move to a nearby location so your daily routine and conveyance are not affected. This way you also have the liberty of having a look into the home renovation for supervision when you feel like. If it’s a part renovation or a smaller fix, you could still stay at home, but ensure that the area being renovated is cordoned off with plastic sheets to keep the dust away.

2.                Protect and Preserve

If you intend on preserving portions of the house, ensure that it is well protected from damage. Keep aside rugs, drapes, and the likes in vacuum-sealed plastic packaging to keep them away from dust. Hardware fittings should be removed and preserved if you intend on reusing them post home renovation. Designate a space which will be out of bounds, and use this as storage space for all the features you wish to retain.

Sealing off doorways with plastic is a good way to keep dust from traveling from room to room. It is also a good idea to mask tiles and flooring when bathrooms are being renovated, to avoid chips and cracks.

3.                Brief Your Home Renovation Team

Sit down with your architect, consultants, and contractor and brief them on how soon you want the home renovation to be done, and give them details of your vision. It’s always best when the entire team works as one unit with a shared vision. Be available to answer any and all queries that your team might have. Conduct regular site visits – this way you not only have a clear image of how the work is progressing but also gives your team the confidence that you are as involved in the project as they are. Remember that best outcome are always a result of great collaborations.

4.                Stash Aside for the Unexpected

As helpful as planning is, you can never plan too much. Unforeseen circumstances always pop up and can be quite a surprise not just physically but also financially. Maintain a contingency fund and keep that cash aside just to combat these surprises. Keep a minimum of ten percent of the total cost of home renovation as a buffer amount – if the money isn’t completely spent on contingencies, you are left with it as a bonus after the renovation.

5.                Stay on Track

Plan your home renovation well before it actually begins, and keep your team aware of the plan. Once the work has begun, try not to change the plan as much as possible. Having a clear vision with minimum amendments not only guarantees a clean and smooth flow of work but also reduces stress. Planning always prevents chaos.

6.                Keep Everyone Prepared

Keeping everyone at home prepared for the renovation is a wise thing to do. Keep your spouse and children in the loop. This way they will be aware of what work is happening and surely have their own inputs to give!

7.                Have a Plan B

While planning, know exactly what the scope of home renovation is and what is possible on site. That said, you must be prepared and equipped with as many options as are available. If during the fit out, there is a hold up at any point, be prepared to switch to the secondary option and avoid wasting time.

8.                Manage Waste

Renovation and remodeling is an intensive process. Do not be surprised by the piles of waste that will continually form throughout the entire process. Plan with your contractor the logistics of waste management and ensure that the work site is cleaned regularly and remains as rubbish free as possible. Outline a plan for waste removal and see if regular hauling of waste can be arranged.

9.                Keep the Show Running

Plan for daily life. Do not allow the remodeling to hamper your daily routine and prevent you from going about your day to day affairs. Plan beforehand for how you will manage the schedule change and inconveniences of the home renovation. Keep track of the extent to which it will it overlap with your daily schedule, and what you can do to not get completely lost in the process.

Try as far as possible to keep your kitchen and washrooms running, assuming that you are getting the renovation done while you are living in the house. Kitchen renovation can be one of the most taxing processes, considering it is essential to keep it in pristine and hygienic condition both before and after.

Home Warranty as an Integral Part of Home Renovation

A part of the renovation process must be to assure that your home is not only free of old flaws but safe and secure from new ones. Once the process of repair and renovation is complete, there is very little chance that you will want to spend more money and time in fixing damages in the near future.

Here is where researching your Home Warranty becomes extremely relevant. A way to outsource maintenance and repair costs as well as the actual task of keeping home appliances and systems up and running, Home Warranty policies take charge of all damage due to daily wear and tear. In fact, most companies provide you with repairmen and expert mechanics as well, cutting your involvement down as much as possible when it comes to both sudden need of funds and time spent in finding the right skill.




These days, when people hardly have time to even talk with neighbors, cleaning the house has become a rarer activity. Yet, cleaning your home is a task that just cannot be ignored. The first rule of personal hygiene – keep yourself and your surroundings clean. Otherwise, germs may take up residence on you and in your home.

For those of you short on time and money for hiring a maid, this article would be the perfect cheat sheet to make sure that your home remains clean and well, disease free. If you think this article is too big, take a look at our quick home cleaning cheat sheet.

We’ve compiled a list of things that you can do to ease the task of cleaning your home. This includes tips and tricks that you may never have come across. So don your cleaning gloves and let’s begin!

Kitchen Cleaning Hacks

1. Cabinet Cleaning 

Home Cleaning HacksMost kitchen cabinets accumulate gunk, usually around the handles or the inside corners. Thankfully, they’re not difficult to get rid off.

Here’s what you need to do – mix baking soda and any vegetable oil. The consistency of this mixture should be like that of toothpaste. Use an old toothbrush and scrub away around the handles and corners of cabinets. You’ll have clean surfaces in no time

 

2. Cleaning The Sponges

Everyone has cleaning sponges in their kitchens. Without these soft friends, cleaning would be very difficult indeed. However, over time, they become ragged and home to a host of microbes and germs. If the condition is so bad that they are tearing in pieces, discard them. If they are still in a single piece, sanitize them before you use them again.

To sanitize kitchen sponges, sprinkle a few drops of water (lemon juice, if you have it) and microwave them on high heat for two(2) minutes. This should fry any germs in them leaving the sponges clean and bacteria-free.

3. Cleaning The Garbage Disposal

DrainGet an ice tray. Mix water and vinegar in the ratio 1:8. Chop up a lemon into tiny pieces. Pour the water-vinegar mixture into the ice cube tray and drop one piece of lemon into each square. Freeze this mixture.

Once frozen, drop the ice cubes into the garbage disposal and run it for several seconds (leave the faucet running). Make sure all the ice is ground. This is an easy hack to not only dislodge debris stuck between the blades but also to sharpen and deodorize the device.

4. Stove Burner Cleaning Hack

Stove-BurnerThis is an object that accumulates huge amounts of grime and grease and cleaning them is a task we often dread. Scrubbing them may be time-consuming, so here’s a no scrub routine to clean grime and grease from stove burners.

You’ll need basic ammonia and a zip-lock bag. Take around half a cup or less of ammonia and drop it into the zip-lock bag. Drop in the stove burner as well and seal the plastic zip-lock bag. The idea is not to soak the burner in ammonia, but to let it just sit in the ammonia fumes overnight. Ideally, leave the zip-lock outside, just in case it develops a leak and you don’t want your house smelling of NH3. You should be able to clean the grime off smoothly with a cloth. No scrubbing needed!

 

5. Cleaning The Blendershutterstock_84133486

Yes, there’s a hack for this one too. No, cleaning it in the sink with the help of a scrub won’t help much. Blenders are difficult to clean because there are many jutting edges which could cut your fingers if you try to scrub around them.

Here’s what you need to do. Add a few drops of dish-washing liquid to a cup or so of warm water. Pour it into the blender and turn the blender on. Pour the soap water out and repeat with clean water. Once this is done, you can clean the outsides and then give the whole jar a final rinse.

Bathroom Cleaning Hacks

6. Cleaning The Shower Head

Yet another beautiful, no-scrub hack to clear out hard water stains from the shower heads and other steel surfaces. You will need a leak proof plastic bag, rubber bands, distilled white vinegar and water. Pour the vinegar into the plastic bag and tie it around the shower-head with the help of rubber bands. Leave it overnight or at least for a few hours, rinse with plain water in the morning. All hard water stains will be magically removed.

For other steel surfaces, dip a cloth into the distilled vinegar or spray some on them. Rinse with plain water after a few hours.

7. Cleaning Grout From The ShowerCleaning Tile

Grout is generally a kind of filling used between spaces while laying tiles or similar structures. Over time, they often turn dark and become an eyesore, especially against light colored walls/tiles. To remove them, there is a very effective, homemade grout cleaner that works wonders.

You will need a scrub brush or an old toothbrush, baking soda and some bleach. Combine ¼ cup bleach with a ¾ cup of baking soda until it forms a paste. Apply this on affected areas and let it sit for a few minutes. Bleach usually does the job, however, scrubbing it will yield maximum results. Do remember to wear your protective gloves when handling chemicals like bleach.

8. The Bathtub Drain

Bathtub drains accumulate a lot of grime and debris and the most common culprit behind a clogged drain is (ewww) human hair. For clearing a clogged bathtub drain, you’ll need a screwdriver, skinny pliers, paper towels, vinegar and baking soda.

Remove the drain plug and pull out the insert with the screwdriver. You should see some really disgusting gooey debris there. Use paper towels to wipe around the area and then use skinny pliers to pick up the gooey mess. The gross part is now over. Finally, pour a cup or so of baking soda and then vinegar over it until the mixture bubbles up. Leave this for around 15 mins and then rinse with tap water. Put back the plug, and you’re done!

9. Cleaning Mold From The Shower

voegenschrobbenwebMold is a kind of fungus that happily grows in any region that is continually damp. Bathrooms are ideal for mold colonies. These fungi are not only unpleasant to look at but they are also high-risk allergens. Cleaning them is thankfully simpler than you think.

Get some straight bleach and cotton balls, the kind you use for cosmetic purposes. Soak a piece of coil in the bleach and place it over the mold-affected areas. Leave this overnight. Using skinny pliers or tweezers, pick up the coil pieces and discard them. Rinse the area with water. You’ll be happy to see that mold growth would be considerably reduced. Keep in mind that bleach is a harsh chemical and it must never be handled without appropriate safety measures.

10. No Scrub Tub Cleaner

Yeah, this one made a lot of people happy. Scrubbing a tub could be back breaking task for some people which is why this one is a big hit! All you need is dish soap and vinegar. Mix the two in 1:1 ratio and spray it generously all over your tub. Leave this on for an hour or two, wipe away with a soft cloth and rinse with water.

These days, cleaning grade vinegar has become available in department stores. The acetic acid content in cleaning grade vinegar is higher than the food grade version. This means the cleaning effect is improved.

 

General Indoor Cleaning

11. Carpet Cleaning 

Carpets take a lot of beating from the folks in the house and so it’s quite common that they end up with difficult stains and a lot of offensive particulate material. While dust can be easily removed with the help of suction, stains require additional tools.

Baking soda, liquid detergent, vinegar and warm water are the only things you will need. As step 1, drop baking soda/cornstarch on the stains. Let it sit for half an hour and then use a vacuum cleaner to remove it. Once that is done, mix liquid detergent, one spoon of vinegar with warm water. Using a sponge, wipe the stain with the detergent solution. Using a different dry sponge, absorb the vinegar-detergent solution out of the carpet. Your stain would’ve faded considerably!

12. Easy Mattress Cleaning

Dust that accumulates in the mattress can cause some serious allergic reactions in some people. It is generally advised that regularly used mattresses must be cleaned at least once in a few months.

To clean your mattress without breaking your back, you’ll need a few drops of your favorite essential oil, baking soda and your trusted vacuum cleaner. Open a can of baking soda and add a few drops of essential oil. Replace the lid and shake the container so that the oil and the soda mixes well. Sprinkle this all over your mattress and let it remain for an hour or so. Vacuum the entire mattress making sure that all traces of baking soda are removed. This is very effective in removing dust mites and other harmful microbes.

 

13. Cleaning A Microfiber Couch

Microfiber couches are one of the most comfortable couches ever. However, they become dirty quite easily and kids just love to create art masterpieces on them. Cleaning them may seem difficult and you may even consider replacing them. But do try this simple fix before you discard your lovely couch.

You’ll need rubbing alcohol, a sponge, a sprayer and a scrubbing brush. Pour the rubbing alcohol into the sprayer and spray it all over the stain till it saturates. The alcohol will evaporate quite quickly so spray continuously. Using your sponge, scrub vigorously till the stain starts to visibly reduce. Once you are done scrubbing, leave it to dry. Use your brush to ruffle the couch back once the alcohol has dried. We strongly recommend that you use a pair of gloves while handling the scrubbing alcohol and try not to drink it :).

14. Removing Pet Hair 

downloadHaving a pet is a wonderful feeling indeed.  If you have a furry friend, be warned that their fur has been known to cause a lot of diseases, including the very dangerous Toxoplasmosis. It would be a good idea to rid your house of their fur once in a while to avoid pathogens of various kinds.

Damp rubber works wonders for removing pet hair. You’ll simply need to dampen your rubber gloves and give the furniture and other surfaces a good scrubbing. For getting cat/dog fur off carpets, use a squeegee and wipe the fur away.

 

15. Cleaning tiny toys

Toys left unused accumulate a lot of dust and the idea of washing them all individually might seem time-consuming. If you want to wash them all together in one go, here’s something you can try.

Grab a small laundry bag and dump all the small toys into it. Hold them under the sink and run the faucet. The tiny holes in the laundry bag will allow water to come in and drain taking all the dust away.

 

A Word Of Advice

While you may not be able to do all of these at once, try going one section at a time – bathrooms, followed by the kitchen and so on. Remember – Safety first. Do not forget to use rubber gloves or overalls when necessary. Once you are done, put the chemicals away in a safe place where your kids cannot reach them. We also have a great guide on 10 ways to organize your home efficiently. You should read that too!

Home maintenance is no easy task. Keeping a home running does require some amount of effort. That said, there are some things that you just cannot prevent. Appliance breakdowns are a fine example. We strongly recommend that you purchase a home warranty to protect your budget and your appliances.

That’s all for now, do try out these hacks and let us know what you think. Don’t hesitate to ask us any questions, we’ll be more than happy to help. Thanks for reading, cheers!

 




Life throws many unforeseen things at all of us. As we can’t stop these things from happening, we can choose to give our lives a bit of protection. Insurance is meant to grant us some measure of financial protection, when a disaster occurs. There is plethora of insurance options available and it is suggested by many financial experts to have these insurance policies in place. Yet, with so many choices, it can be difficult to decide what kind of insurance you need to get.

Life Insurance Policy

Buying the right insurance is always decided based on your specific situation. There are however, four insurances that are suggested by most financial experts namely life, health, auto and long-term disability. Each of these covers up a definite feature of your life and is vital to your financial future.

Do I Really Need Life Insurance, and if So How Much?

The greatest aspect in having life insurance is providing for those who depart. This is really important when your family is dependent on your salary. Experts recommend that life insurance policy should cover “ten times your yearly income”. This amount would give a sufficient amount of money to cover funeral expenses, existing expenses and provide your family a financial cushion which will assist them re-group after your demise.

When estimating the amount of life insurance coverage you want, keep in mind to factor in not only funeral expenses, but also mortgage payments and living expenses such as credit cards, taxes, loans, child care and future college costs.

Life insurance is something that will be required by everybody at some point. Unless you work in the insurance industry or are familiar to somebody that does, what do you really know about the life insurance types that are accessible to you? The answer to that question probably is ‘not a lot’, and why you be supposed to?

Types of Life Insurance

Many of us think that there is a common life policy for insurance that everybody procures but this is actually not the case and there is a variety of life insurance that can be bought. Each of the types has its own precise features and benefits that may be of concern to the consumers.

Below is the brief explanation as to what these different kinds of life insurance are in order that you can be familiar with the difference between them.

Life insurance comes in several sizes and shapes, but they generally fall into two categories namely Term Life Insurance and Permanent Life Insurance.

 

Term Life Insurance Policy

This is the most affordable life insurance and coverage in this type is bought for a definite price for a specific period of time. After the demise of the insured, the recipient will receive the death benefit. It makes the death benefit longer only for a definite period and if the insured doesn’t die within the term of the policy, he gets nothing in return.

This kind of life insurance makes logic if you have monetary needs that will reduce over time, such as a child’s tuition or a home mortgage.

Types of Term Life Insurance

  1. Guaranteed Level Term Life Insurance: This is the most common type and is well-liked for the reason of the very low cost and long term coverage it provides. These kinds of life insurance policies have premiums that are intended to remain level for a period of 5, 10, 15, 20, 25 or even 30 years.
  2. Return of Premium Term Life Insurance: This is a type of life insurance policy that gives a definite refund of the life insurance premiums when the term period expires, assuming the insured is still living. This policy is a bit more expensive but the premiums are planned to remain level. Significantly less expensive than permanent types of life insurance, this life insurance policy still may give cash surrender values if the insured doesn’t die. Return of premium term life insurance policies can be availed in 15, 20 or 30 year terms.
  3. Annually Renewable Term Life Insurance: This type of term life insurance policy has growing premiums. The premiums rise each year to reveal the possibility of your death in any given year.  Annually Renewable Term Life Insurance is not popular and is only procured when the coverage is required for one year or less which happens most frequently in business deals.

 

Permanent Life Insurance Policy

Permanent life insurance by definition is a policy that provides lifelong protection. The policy never ends as long as the premiums are paid. In addition, this type of policy provides a savings element that builds cash value over a long period of time.

Types of Permanent Life Insurance

  • Whole Life Insurance:  This is a type of permanent life insurance which is intended to provide coverage for an individual’s whole life rather than a specified term. It is apt to needs that do not decrease over time such as paying estate settlement taxes and costs. Usually, the life insurance rate for this policy remains unchanged throughout the life of the insured. For the early years of life insurance policy, premiums are much higher and these life insurance policies build up cash values which can be accessed by the by the owner of the policy through surrenders or policy loans.
  • Universal Life Insurance: This policy is different from whole life insurance in the fact that this type itemizes and distinguishes the protection element, cash values and the expense element. By sorting out the three elements, the insurance company can put up more flexibility into the life insurance policy which permits the policy owner to amend the face amount or the premium in response to changing circumstances and needs.
  • To age 100 level guaranteed life insurance: This type offers an assured level premium to age 100. In addition, it also provides guaranteed level death benefit to age 100. Most frequently, it is carried out within a Universal Life policy, with an additional feature known as a “no lapse rider”. Some of these plans also incorporate an “extension of maturity” feature, which provides that if the policy owner lives to age 100, having paid “no lapse” premium each year, the complete face amount of coverage will carry on an assured basis at no charge thereafter.
  • Survivorship or 2nd-to-die life insurance: A survivorship policy is a type of coverage that is usually provided either as whole life or universal and pays a death benefit at the later death of generally a husband and wife. It is widely accepted among wealthy individuals since the mid 1980’s as a method of discounting their expected future estate tax liabilities which can take away an amount to over half of family’s entire net worth!A “2nd-to-die” life insurance policy permits the insurance firm to delay the payment of the death benefit until the second insured’s demise, thus creating the necessary dollars to pay the taxes just when they are required! This type of coverage is extensively used as it is less expensive than individual permanent life insurance coverage on either partner.

Once you know the type of protection applicable to you and would like to procure, you can get online rates for the policy you wish. With the help of online life insurance quotes, you are able to examine and compare insurance quotes from various insurance companies.




Since you searched for this online, it is possibly true that you are frustrated beyond possible limits, because your Insurance Company, that you hired to make your life easier, is in fact annoying you. Let’s not waste time, this article explains the strategy that you must adopt in the event that your Insurance company acts tough on your claim.

Let’s take you over the essentials first. The points that follow must be adhered to , otherwise you stand a chance to lose the fight against the Insurance company.

General guidelines

Pursue Insurance Claims

 1. Information

Gather all the information you can regarding your damaged device eg Manufacturer’s name,  model no, batch no, claim center’s details, basically anything that is required. You should have them ready before you call up the Insurance Company. Keep the info that you gathered in the same place, this is will make accessing them easier. Keep your policy booklet and contract ready as well.

2. Maintain Call logs

Once you have gathered all the required information, call the Insurance company. It is suggested that you don’t place your call on Mondays as it is the busiest day of the week. You should keep records of the following:

  • All communication with your Insurance company must be noted down precisely. Details about the following are most significant.
  • Time, date and duration of the call.
  • Name, ID and call center location of the representative you spoke to.
  • Name of the supervisor to whom your call was transferred.
  • Details about the content of your communication.

3. Be nice and pay attention

Remember that being rude is not going to reap any rewards. The Representative on the other end of the line is possibly more frustrated than you are as they have to deal with annoyed customers like you all day.

  • Greet the Representative back, make sure that you have gotten his name and other details right.
  • Politely explain your grievance, ask for their help, give them details that are required.
  • Tell them why you think your claim should be processed.
  • Always keep in mind that your fight is with the Company and the representative has nothing to do with it.

If you follow the above two rules, you might get a positive response from the Insurance company soon. But there are cases where even good manners and genuine claims fall on deaf ears. If you are experiencing something like that, read on.

They still won’t listen- What to do ?

Call them up at a later time:  This may help if the representative you talked to is a kind fellow. Or they may decide to help you just so that you stop annoying them with constant calls. Give it a try.

Speak with a supervisor:  We are not sure how much this would help, but it is still worth a try.

Threaten them: Yes, you read that right. You probably had thought about it already. First, tell them that you had been a loyal customer and that you will be disappointed if your issue is not resolved. If that does not work, threaten them by telling them that you will terminate your contract if your grievances are not solved immediately. When you do this, they will ask you why you want to terminate your contract. Proceed on telling them how your constant pleas and calls were ignored.

Threaten them some more: It might be helpful if you threaten them by saying that you will tarnish their reputation by bad mouthing them. Declare that you are going to publicise the details of how you were treated and you can even tell them that you will announce the same through various social media.

BBB: The Better Business Bureau (BBB) is one such institution that mediates between the customers and the businesses to resolve issues. Place a complaint with them . The BBB is not a government run organization, however they are advocates of integrity and ethics. They do keep records of all the complaints. No institution wishes to be in the bad list of the BBB.

Attorney General’s office: If you genuinely feel that you are being victimized, you can complain to the Attorney General’s office. They will conduct enquiries and try to resolve the issue. If you do not wish to do this, then simply threaten the Insurance Company by telling them that you will complain to the Attorney General’s office.

Last resort: The lawsuit threat. This should not be used unless your case is that compelling. Most biggies in the Insurance field have their positions covered legally and you may lose unless you have a strong case against them.




This is a guest post by Kevin Wallach. Author Bio is provided at the bottom of this article.

When HomeWarrantyReviews.com asked me to write an article about Colonial Home Warranty’s recent announcement that it was closing its doors my first thought was what will happen to all their customers? As a marketer and blogger who works in the home service contract space I’ve seen a few companies go out of business and it never worked out well for the customers.

As of March 17th, 2014 the New Jersey headquartered company, Colonial Warranty Group, Inc., closed its doors and filed for Chapter 7 bankruptcy protection from a New Jersey court. But the protection it is seeking from creditors probably doesn’t include all of its customers, those unfortunate souls left holding worthless home service contracts. So I set out to get some answers to the questions I was asking and those the consumers were asking on HomeWarrantyReviews.com.

Colonial Warranty Files for BankruptcySince HomeWarrantyReviews.com specializes in compiling consumer reviews about home warranty companies in the U.S., also referred to as home service contract or residential service contract companies, I started by asking what they had heard directly from their readers. One customer of Colonial Home Warranty who asked to be identified only as Mike M. from Ashburn told a member of the staff at HomeWarrantyReviews.com about his three year contract, signed in 2012, which should have been in effect until February 2016. Colonial had enticed him to pay for all three years upfront in exchange for three free months of service. Mike also shared that leading up to the news of Colonial’s closing the more expensive of his repair claims were already being denied for reasons he did not feel were in keeping with his contract.

Customers React To The News

Mike’s experience was certainly not unique and the customers of Colonial were not just voicing their complaints on HomeWarrantyReviews.com. A search on Google led to a number of consumer websites with complaints from Colonial Home Warranty’s customers. On one such website I read a testimonial from a consumer who purchased a contract from Colonial Home Warranty less than a month before the bankruptcy filing in New Jersey. With that sort of story the obvious question came to my mind. What was Colonial thinking when they sold new contracts so close to their bankruptcy filing? Unfortunately HomeWarrantyReviews.com’s request for comment from the bankruptcy attorney for Colonial went unanswered.

A few readers who wished to remain anonymous purchased three year contracts from Colonial and had received one year or less of the service promised by the company. The testimonials on HomeWarrantyReviews.com’s Colonial Home Warranty page and on other websites tell similar stories. But some customers claim in their online testimonials that they are taking their complaints further than Internet testimonials. Whether or not any customer of Colonial Home Warranty has filed suit against the company or made any type of plea to the bankruptcy court was not clear at the time of publishing this article though. I did request comment or information from the bankruptcy court in New Jersey but was informed that they do not comment on cases or offer legal advice. Their advice to me was to seek guidance from a consumer advocacy group.

A reader who emailed us with her story, Kristi from Texas, tried to reach a company she believed to be the parent company of Colonial Home Warranty called XPD Warranty Group in order to find out if that company was servicing claims from Colonial Home Warranty’s customers. She is not alone in asserting that XPD Warranty Group is a parent company or holding company for Colonial Home Warranty. Her attempts to reach XPD Warranty Group by phone were unsuccessful but she did learn that her state is starting an investigation into the dealings of Colonial Warranty Group, Inc. with residents of Texas. Texas’s entity which regulates what it calls residential service contract companies is called TREC or the Texas Real Estate Commission. Kristi wrote that those she has spoken with at TREC have been very helpful and she recommended other Texas residents with complaints against Colonial Home Warranty contact that office for more information. I contacted TREC to find out about the association between Colonial and XPD. I was able to confirm that XPD Warranty Group is licensed to operate as a provider of residential service contracts within the state of Texas. I was also told that in 2012 Colonial Warranty Group, Inc. entered into a written agreement with the state of Texas to stop selling, renewing and servicing residential service contracts for Texas residents. After that point Colonial was to relinquish control of its contracts with Texas home owners to XPD Warranty Group. Finally I confirmed that TREC is following up on at least a few complaints lodged against XPD Warranty Group by Texas residents relating to issues with contracts originally issued by Colonial Warranty Group.

I also gained some insight into the relationship between Colonial Warranty Group and XPD Warranty Group thanks to another reader of HomeWarrantyReviews.com, Lanny Teague from Sanger Texas. Lanny’s story gave credence to the assertion other readers have recently made that Colonial and XPD are, in fact, working together, if not the same company. Lanny told me about the 13 different contracts which were purchased from Colonial Home Warranty, each contract having a three year coverage term and each one being paid in full upfront. Lanny also informed me that Colonial didn’t handle the claims associated with the contracts. Whenever a claim was filed it had to be addressed to the company acting on behalf of Colonial in Texas, XPD Warranty Group. And when Lanny asked to cancel the contracts covering Texas properties the cancellation was handled through XPD, not Colonial. Sound strange? Well, it gets stranger.

When Lanny requested a refund for the unused years of the 3 year contracts that had been purchased XPD Warranty Group did agree to issue partial refunds amounting to more than half of what had originally been paid per contract. That sounds awfully strange for a company that has allegedly told others that it is not associated with Colonial Warranty Group. For readers interested in the timing of these refunds, these refunds were very recent. The refunds, according to Lanny, were issued on April 10th of this year.

I attempted to reach someone from XPD Warranty Group, Inc. but at the time of publication of this article I had not received any response from that company. If that should change then this article will be updated. Readers are encouraged to check back regularly here and also email [email protected] with any questions they would like posed to the company.

Another reader, Manishee Gupta, told HomeWarrantyReviews.com how he purchased not just one but three separate three year service contracts from Colonial Home Warranty about two years ago. Purchasing multiple home service contracts as in the case of Lanny and Manishee is not as unusual as it may sound. Many owners of investment properties choose to cover those homes with a home service contract in order to make the work of managing rental properties easier. Mr. Gupta told us how his tenants were even able to report problems with covered items in the homes to Colonial.

In theory this can make life simpler for a landlord but only if the company keeps its promise to customers. But now that Colonial is seeking Chapter 7 relief from its debts Mr. Gupta wonders “if there will be any recovery” for customers like himself. The overall sentiment of readers who  have communicated with me and with HomeWarrantyReviews.com is pessimistic though. Most believe that nothing will be done to address the possibility that Colonial acted with criminal intent to defraud consumers, signing multi-year contracts even on the eve of filing bankruptcy.

Why Did Colonial Warranty Group Declare Bankruptcy?

The main concern of the readers who have contacted HomeWarrantyReviews.com is a common one. These are consumers who paid in advance for something they now will not receive. They’re upset and rightfully so. But let’s step back for a moment and ask why this happened. Why did Colonial Home Warranty make what seems like a sudden decision to file for bankruptcy protection? The answer to that question may start with the state of California.

I contacted the regulatory entity that oversees insurance companies selling to residents of California and requested information about any open or resolved legal matters regarding Colonial Warranty Group, Inc. In their reply I learned that on November 8th, 2013 Colonial was ordered by the California Department of Insurance to cease all operations selling and renewing home protection agreements. Colonial, according to the order issued by the California Department of Insurance, had been selling such contracts to California residents without required licensing since not later than January 23rd, 2012. For California residents who did business with Colonial Home Warranty this means that any contracts sold to them by the company were not legally issued. Whether or not this could lead to any recovery of customer fees paid to Colonial I don’t know. But one thing was very clear in the order to Colonial. For every day Colonial did business illegally in California it is liable for $5,000 in fines. If you do the math that total fine liability comes to millions of dollars. Was this the cause of Colonial asking a New Jersey court to protect it from its creditors? The answer to that question should become clearer when Colonial’s Chapter 7 request is handled by the court.

California’s insurance regulator was not the first to take action to stop Colonial Home Warranty from selling home service contracts to its residents. In August 2013 the state of Florida Office of Insurance Regulation ordered the company to cease doing business with Florida residents due to violation of a state law which requires a license in order to sell home warranties. And of course Texas had already told the company to stop selling contracts to its residents prior to issuing the order in 2012.

What Can Colonial Home Warranty Customers Do?

There are two options to  consider:

1. Readers who wish to submit a petition or claim to the court handling the Chapter 7 bankruptcy proceedings for Colonial Warranty Group, Inc. should strongly consider retaining professional legal assistance in order to do so. I asked the appropriate Clerk of Courts for information regarding submitting such petitions or claims and was informed that their office is not in a position to provide comments on pending cases or legal advice. Colonial Warranty Group, Inc.’s Chapter 7 Bankruptcy filing will be handled by Judge Donald H. Steckroth of the New Jersey Bankruptcy Court and is identified as Case number 2:14-bk-15949. A representative of HomeWarrantyReviews.com also tried to reach the attorney for Colonial Warranty Group, Richard Honig of Hellring, Lindeman, Goldstein & Siegal, for comments or information about the bankruptcy case but at the time of this article’s publication had not received a reply.

2. Before issuing business license, many states require such companies to pledge bonds. If you are one of the customers that lost money, you may want to approach your State Insurance Department. If the State has collected pledge bonds, you may recover a portion of your money paid to the company.

Practice Caution While Purchasing A Warranty

While I cannot say that any actions taken by state regulators directly led to the closure of Colonial Home Warranty or the Chapter 7 bankruptcy filing there may still be a lesson for home warranty customers to learn from all of this. Doing business with a company that has operated without proper registration or licensing in your state could be your problem as much as the home warranty company’s problem if they are caught. It is worth your time to be sure that any company you purchase a home service contract from is doing business legally in your state.

If you have been affected by the closure of Colonial Home Warranty or have other experiences with this company you’d like to share please email [email protected] The team at HomeWarrantyReviews.com will be happy to receive your stories as well as helping with any requests for information from readers.

 

Author Bio

Kevin Wallach writes a blog about the home service contract industry in the United States, HomeWarrantyWiz.com, and works in a marketing capacity within the home warranty industry. He has followed the industry for five years and has worked just as long to help bring customers and companies together through Internet marketing. He also is the administrator of an industry group on Linkedin called “Home Warranty and Home Service Contract Professionals”.

 




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

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

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

Prior to Purchase

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

What is and not covered before purchasing any home warranty

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

After the Purchase of Home Warranty

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

Small Print Clauses and Hidden Costs of Home Warranty

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

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

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




Buyers Protection Group, Inc. an Atlanta-based real estate services firm, has completed its acquisition of home warranty and home inspection services business from from LandAmerica Financial Group, Inc. LandAmerica provided home warranty services in 30 states and recently filed for bankruptcy in November 2008, primarily due to problems in its title insurance and 1031 Exchange businesses.

Buyers Protection Group

Alpharetta, Ga.-based BPG said the deals give it home warranty operations in 30 states and home inspection services in 14 states. BPG will now have dual operations centers in Alpharetta and Burbank, Calif. The company has 280 employees and is expanding its sales force and adding home inspection professionals.

“Despite the financial struggles with LandAmerica and severe decline in the housing industry, the home warranty and inspection subsidiaries remained profitable,” said BPG President and CEO, Revell Fraser, in a statement. “We were doing well in a very difficult environment and our employees remained committed to the business, so it was a natural decision to pursue buying the companies.”

LandAmerica Home Warranty Company, founded in 1987, provides one-year home warranties with significant concentrations in AZ, CA, and TX. LandAmerica home warranty began investing in the home inspection business in 2001, and is now the nation’s largest employee-based residential and commercial inspection company.

BPG partnered with The Stephens Group, a family-owned investment firm, on the transaction. The Company was advised by Croft & Bender LLC and Miller & Martin PLLC.




There are few home warranty companies that do not charge service trade fee or “deductible”. If you are looking for such companies, please read on. Please note that we do not endorse any of these companies.

IMPORTANT: To read most recent list of companies that offer Zero dollar deductible, please visit our Home Warranty Plan Comparison section and sort the companies by Deductible (low to high)

Zero Deductible

Home Warranty Plans with No Service Call Fee

Following are the home service contract companies that offer zero deductible as of this writing:

  1. Complete Protection
  2. UtilPro Appliance repair
  3. HomeServe USA
  4. Stanley Warranty
  5. Hi Tech Home Warranty
  6. Certified Warranties
  7. AHPS Home Warranty

As a website dedicated to offering honest information about the various matters related to Home Warranty, we have collected the feedback of several appliance warranty customers in the form of reviews. Please check out our tool to find top rated home warranty companies in your area. There, you can sort through the various companies based on their premium amount, deductible amount, ratings and total reviews.

What is a deductible?

In an insurance policy, a deductible is the sum of money paid by the insured party before an insurer will pay any expenses. It is usually a fixed amount and is a part of most policies covering losses to the policy holder and must be paid by the insured before the insurance company’s own coverage plan begins.

For example, an auto insurance policy may bear a $500 deductible. If the owner of a car hits another car by mistake while parking and both drivers decide that the loss is minimal, he or she would pay the repair bill $500 out of his own pocket. Insurance companies would not support a claim for such small damages. Based on the incident, the deductible may apply per covered incident, or per year. For policies where we can’t restrict the incidences, the deductible is usually applied per year.

What is a premium?

An insurance premium is the definite amount of money charged by insurance firms for active coverage. Cost of a premium can differ widely for the same service, which is why experts strongly suggest getting several quotes before committing to an insurance policy. Insurance brokers or agents takes basic information from people and evaluate an insurance premium estimate depending on the answers and other factors.

The lowest quoted cost on a premium may be the better deal, but the level of coverage may also be lesser. Insurance premium is mainly based on statistics, while people’s habits and history can cause the premium to be lower or higher. For example, a 22 year old male looking for car insurance for a sports car can often predict a higher insurance premium than a 45-year old woman driving a mid-size sedan. Both may perhaps have excellent working records, but the insurance company considers the younger driver in faster car to be at more risk for accidents. Thus, the premium quotes will be clearly different.

In general, a faster car will cost more to insure, just because the owners of those vehicles tend to drive faster. The amount of a deductible is typically related to the amount of premium charged by the insurers. That is, higher deductible amount are usually related with lower premium rate and vice versa. Try to find stability between reasonably priced premiums and a fair deductible when buying insurance.




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

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

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

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

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

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

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

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

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

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

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




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

Types of Warranties

Home Warranty

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

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

Manufacturer’s Warranty

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

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

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

Seller’s Warranty

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

Extended Warranty

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

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

Home Service Contracts

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

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

Make sure you know and understand:

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

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




Here’s a funny pictorial story that gives a peek into how does a Home Warranty work. Mr.Fox here is our friend who purchased a home service contract. His beloved washing machine crashed one day while the contract was still valid.

How Does a Home Warranty Work

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Now, back to the story.

Mr. Fox had an appliance warranty, so he did not have to

  • Look for a technician
  • Pay for repairs
  • Carry the device to a service center
  • Do the repairs himself

Mr. Fox simply called the home warranty company who in turn called up a service contractor with whom they maintain business ties. The warranty company sent a technician to Mr. Fox’s home to take a look at the appliance. The tech fixed the issue right there as it was a minor problem. You see, if the problem was big and if parts needed to be replaced, the tech would have had to wait for the approval of the warranty company before doing it.

Once the problem was fixed, the tech collected the service call fee and departed his way. Mr. Fox lived happily ever after resting assured that if his appliances crashed, he would always have his home warranty company to rely on!

The end




With over 185,300 active Realtors in Los Angeles, selecting the right one to assist you with the sale or purchase of your home can be daunting. You will want to find someone who is proficient in buying or selling homes in your surrounding area in L.A as well as in your price range.

Best Realtors in Los Angeles

Below is the list of the top 5 Realtors in Los Angeles by their gross sales volume in dollar amounts and some other relevant information so you can feel confident when making decisions about buying or selling your home.

Brad Korb

Top Realtor Brad Korb

For more than three decades, Brad has focused his attention on helping families attain their goals of buying or selling a home in North Hollywood, Studio City, Burbank, Glendale, Tujunga, Panorama City, Sherman Oaks, Valley Village, West Hollywood, Van Nuys, and the wonderful and diverse surrounding areas. He listens to his clients’ needs patiently and then puts together the best strategies for reaching the results they want. He believes that true success comes from making objectives for what matters most in life. Whether he is with his family or assisting his real estate clients, Brad enjoys positive results owing to his unique ability to visualize a goal and make an effort for achieving it. This determination is what continues to take his career as a realtor to new levels of success. With over three decades of experience, Brad is an unmatched resource for all things from the real estate market to community services.

An alumnus from California State University-Northridge, Brad’s specialties include home sellers, home buyers, 1031 tax deferred exchanges, short sales, investment properties, first time home buyers, bank foreclosures, multi- residential homes, single family residences, condominiums, townhomes, downsizing, and relocation. The owner of The Brad Korb Real Estate Group, Brad and his team of  realtors have attained an incredible success for clients by offering services that go well beyond the average realtor. “We are very excited to have been endorsed by real estate mogul Barbara Corcoran, from Shark Tank, and also being ranked #1 locally by Wall Street Journal.” He believes that relationships with clients are based on accountability, dedication, loyalty, and clear understanding of client needs. There are three teams within the Brad Korb Real Estate Group. The listing team members concentrate fully on marketing client’s homes on every available marketing podium such as Internet, TV, and Radio. The buyer’s team is elite coached and sell up to 10 times as many homes yearly compared to an average realtor. The concierge team manages internet inquiries and phone calls along with the chat service on the website. Besides, Brad is also an owner of RE/MAX In Action and Civic & Social Organization Professional. He has received the following real estate industry awards:

  • #1 Realtor in the Valley (RE/MAX) Top 10 Realtor for California for 6 years (RE/MAX)
  • 2010 Best of Business Award (SBCA)
  • 2015 Best of Burbank Realtor
  • 2015 Best of Burbank Reader’s Choice
  • 2014, 2015  REAL Trends Best Real Estate Agents Award
  • 2014 Best of Trulia Top Agent Award
  • #37 in the country in 2010 (RE/MAX)
  • #1 Team in Burbank (RE/MAX)
  • Top 100 Team 2003 (RE/MAX)
  • Top 100 Team 2004 (RE/MAX)

Additionally, Brad is also proud to hold the following certifications sponsored by the National Association of Realtors (NAR):

  • Certified Residential Specialist (CRS) – the highest designation awarded to sales associates, recognizing professional accomplishments in both understanding and education
  • Certified Distressed Property Expert® (CDPE) – Brad has an in-depth understanding of complex issues in today’s dynamic real estate industry and understanding of foreclosure avoidance options available to homeowners. He can provide solutions, specifically short sales, for homeowners facing market hardships.
  • e-PRO – Brad is dedicated to making the most of today’s technology to help with your real estate needs

Brad’s interests include spending time with family, fishing, reading, Los Angeles Dodgers Baseball, Los Angeles Lakers Basketball, traveling, reading, concerts, and working out.

When you and your family are set to make the important decision to move, contact Brad Korb who is always focused on What Matters to You.

 

Jesse Weinberg

Best Realtor in Los Angeles

Jesse Weinberg is widely acknowledged as one of the Los Angeles’ leading realtors, focusing on the highly competitive Westside neighborhoods. With over a decade of experience in Playa Vista, Marina Del Rey, Playa Del Rey, and Venice, Jesse is a well-recognized member of Southern California’s brokerage community. He analyzes 20-30 new properties in person each week and can locate just the right home to match any search standards or set a precise value for a sale. His background in Business Administration and a decade of sales experience results in innovative strategies that make the most of his clients’ opportunities and aid them to reach their financial goals.

Jesse’s track record is unrivaled – he has sold more properties in Marina del Rey than any other agent for the last 5 years in a row! He believes that every client and every property is different, yet his goal remains the same: to surpass expectations in the course of a transaction as he works toward a preferred price and time frame. A Licensed Real Estate Agent at Keller Williams Realty, Jesse and his skilled team of realtors have built a thriving real estate empire. Jesse Weinberg & Associates delivers impeccable service and has effectively sold and leased more than 600 properties in the last decade with a very high customer service rating. The team has represented over 700 sales and 300 lease transactions – directly benefiting their clients by saving them time and money.  The seasoned real estate experts provide a robust database of skilled buyers, sellers, landlords, and tenants to the clients, resulting in a seamless offer-to-close process, shorter listing periods, and access to off-market opportunities. Jesse’s passion for real estate has earned him the following:

  • #1 Sales Team Nationwide for 2013 & 2014 by Keller Williams Realty, out of nearly 100,000 agents
  • #1 Sales Agent for (All Brokerages) in Marina del Rey in 2010, 2011, 2012, 2013, 2014, and 2015
  • #1 Sales Agent for Marina Pointe Drive in 2009, 2010, 2011, 2012, 2013, 2014, and 2015
  • Ranked Top 200 Agents Nationwide by Wall Street Journal and Real Trends (Top half of 1% of 1 million agents nationwide)
  • Named one of America’s Best Real Estate Agents by Real Trends in recognition of incredible results in 2013, 2014 & 2015
  • Top Los Angeles Seller’s Agent, ranking in the top 1% of 31,459 agents
  • A Condo Expert, ranking #7 of 31,459 agents
  • A Townhouse Expert, ranking in the top 3% of 31,459 agents.
  • A Single Family Home Expert, ranking in the top 19% of 31,459 agents

His specialties include Buyer’s Agent, Listing Agent, and Property Management. His loyalty and amiable attitude have led to a network of repeat and referral business. He is well-read and keeps up with the latest market trends and economic news. His transaction volume each and every year surpasses the last!

 

Danny Mahelka

Experienced Realtor in Los Angeles

Danny brings over two decades of experience to every transaction, where he focuses in the Greater Los Angeles area from Downtown to the beaches, North Hollywood, West Hollywood, Beverly Hills and everything in-between. As a motivated Realtor and Associate Manager, his proficiency has led to a lucrative and productive sales career with special emphasis on single family and condominium sales. Danny and his team always look out for clients’ best interest and deliver exceptional customer service in all areas such as marketing, escrow, and inspections. A consistent leader and a top sales producer, Danny is in the top 2% of all Coldwell Banker agents countrywide. Before moving to Coldwell Banker, he held a position as a commercial real estate agent with Silverstone Development Group, focusing on sales and leasing of commercial properties.

Danny accomplishes his goals by ensuring each property has a separate Business Plan on how, why, and to whom he is going to sell to. “It is specific, targeted and deliberate. Our specialization and full Business Plan marketing approach to selling property is a dedicated approach that is effective and relevant in today’s real estate market. We consistently win recognition from our peers and earn accolades from our Clients,” says Danny. His specialties include Representing Buyers, Representing Sellers, First-Time Buyers, Short Sales, Foreclosures, Relocations, Luxury Properties, Commercial Real Estate, Rentals, Condos, Resorts and Second Homes, Lease-to-Owns, Investment Properties, and Appraisals. His sprawling network, unmatched client service, outstanding sales production, and proven marketing tactics have made him recognized by Coldwell Banker from 1996-2012.

An Alumnus from Santa Monica College, Danny’s interests include reading and jogging. His professional appearance, integrity, communication and negotiating skills would ensure you a smooth and stress-free sale or purchase. “Relationships are about connecting, and I invite you to contact me about your real estate needs”.

 

Fredy Rodriguez

Awesome Realtor in Los Angeles

Selecting a right real estate agent is the first step in purchasing or selling a home. Fredy Rodriguez has been a licensed real estate agent in California for 15 years and is present with Fanthom Realty. Fredy’s coverage area includes Cathedral City, Coachella, Desert Hot Springs, Indio, Palm Desert, Coachella, Garnet, Palm Springs, and Thousand Palms. A top real estate agent listing website ranks Fredy as one of the top 2% of agents in Cathedral City for effectively selling homes and as one of the top 8% of agents for single family homes. “From suggesting mortgage lenders to explaining signing papers, I am here to make this normally daunting experience a smooth and successful transaction. My goal is to assist you in finding that perfect home.” Whether you want a big backyard or a 3-car garage, Fredy and his team find you that special property.

One of Fanthom Realty’s leading realtors, Fredy is recognized as a hardworking and trustworthy individual whose passion is to assist his clients in real estate transactions from inception to conclusion. Through his hard work and willingness to learn, he continues to beat his own records, year after year. His specialties include short sales, foreclosure, buyer’s agent, first-time buyers, and investors; financial (loans), and life insurance. Equipped with sufficient knowledge and expertise, he has received several awards and recognition such as:

  • Diamond Club No.1 Top Producer for 2015
  • Multi-Million Dollar Producer for 2014 and
  • Worked as a District Director of Fathom Realty from 2013 to January 2016

Fredy’s credentials and certifications include the following:

  • Council Of Real Estate Services (CRS)
  • Graduate Realtors Institute (GRI)
  • Short Sale and Foreclosure Resource (SFR)
  • Resort & Second-Home Property Specialist (RSPS)
  • Certified Broker Price Specialist (CBPS)
  • Five Star Institute, REO Certified
  • Five Star Institute, Short Sale Certified
  • Five Star Institute, Lease To Own Certified
  • Federation of REO Certified Expert (FORCE)
  • e-PRO Certified
  • Green Certification
  • Home Affordable Foreclosure Alternatives Program (HAFA) Certified
  • Certified Probate Real Estate Specialist (CPRES)
  • National Association of Hispanic Real Estate Professionals (NAHREP) member
  • Life and Health Insurance Licensee
  • RES.NET Certified

An alumnus of Palm Desert Community College, he is interested in networking with other realtors and seeking clients to assist them in the home buying and selling process. Fredy runs by his slogan “Under Promise and Under Delivery”. His only purpose is to earn referrals which are the life of his business. Contact Fredy Rodriguez if you have any questions or concerns about financing options, current listings, or the market in general.

 

Lynette Williams

Most sought after Realtor in Los Angeles

Lynette Williams has been a full-time real estate expert since 1997. As a practicing attorney, she specializes in real estate sales, development, and construction. Her other areas of practice include estate planning, contracts, and business structures. Her previous experience as a financial analyst, an insurance agent, and marketing coordinator gives her the talent to assess your real estate needs including financial analysis, tax strategies, legal ramifications, insurance requirements, and marketing strategies. She has also served as an officer in the United States Army. A graduate of the University of Florida and the University of Florida College of Law, Lynette’s goal is to offer the first-class service and build long-standing relationships with her clients. She works meticulously with the highest standards of professionalism to serve her clients’ needs. By implementing new tools and techniques and incorporating innovative concepts, she assists her clients to get the most of their home in the minimum possible time.

Lynette’s real estate record epitomizes her commitment to her clients. She has a record of selling more than 97% of all her listings with them being on the market an average of 19 days. 51% of all her sales have come from listings. She is equally dedicated to working with first-time buyers and buyers moving from their present homes. She especially comprehends the needs of the first-time homebuyers and is focused on their long-term real estate dreams. While most realtors look for new business from the general public, Lynette focuses her time on her existing clients and referrals. She has obtained the following designations and certifications:

  • Certified Residential Specialist (CRS)
  • Accredited Buyer’s Representative (ABR)
  • Graduate, Realtor Institute (GRI)
  • Short Sales and Foreclosure Resource (SFR)
  • NAR’s e-PRO

Lynette lives in the Los Angeles and loves going to movies, flying airplanes, real estate investing, rehabbing properties, reading photography, concerts, plays, and dining out. She is a member of the Beverly Hills/Greater Los Angeles Association of Realtors, National Association of Realtors, Los Angeles Bar Association, Toastmasters Int’l, and the California State Bar Association. Lynette is also involved with the 99s Club and the Los Angeles Area Chamber of Commerce.

Skeptical about home warranty? Leading home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator which allows customers to estimate costs involved in maintaining a typical American Household. The tool is absolutely free of cost and hence fascinates many potential home warranty customers. Also, there is a widget code (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>) for the home maintenance calculator tool to put in your website or blog post.




Just the decision to take the task of building a home into your own hands can be daunting, keep aside the fact that liabilities are now yours alone to deal with. The joy of being there every step of the way and having a say in every brick, beam, and wall comes with a lot of responsibility. The smallest of injuries on site to a worker, accidental falls, natural disasters and other unforeseen circumstances can put your budget off by thousands of dollars.

Time is a factor as well, having the plan pushed back by weeks, if not months; time and money that you cannot get back. Such accidents are what makes it prudent for you to invest in structural insurance, warranty and legal coverage for all the essentials.

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.

 




Here’s an article to give you a clue about the best home warranty companies in Utah. The state that is defined by vast expanses of deserts and the Wasatch mountain ranges. Utah needs no further introduction. Its capital city, Salt City Lake, attracts many swimmers to its buoyant waters.

Best Home Warranty Companies In Utah

Utah – Best Appliance Warranty Provider

 

If you are a resident of this beautiful state or if you are planning to move to this state, then glancing at a list of the finest home warranty companies operating there is a must! This is what we intend to provide you through this article.

As you may know, we rate companies on the basis of user feedback received from actual customers. So in the order of ratings, here is a list of top warranty providers in Utah –

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

Let’s take a look at each company in more detail, shall we?

1. American Home Shield

Also called as AHS, American Home Shield is one of the most popular home warranty providers in America. They are also the founders of the home warranty industry which means that there are few companies out there that have more experience than AHS. Over the years, they’ve developed plans and products which cater to the needs of buyers, sellers, homeowners and real estate agents alike.

The company offers a wide range of plans suited for most homeowners. All plans are reasonably priced and the annual premiums often range between $249 – $500+ and the deductible per service visit ranges between $65 – $125. The fact that the company is not just backed by experience but also by immensely positive user feedback, makes it one of the top competitors in Utah and the rest of America.

2. The Home Service Club

Considered as an innovator and people friendly company, The Home Service Club (HSC) is yet another popular choice among Utah residents for their home warranty needs. They serve 48 states across the country and have been in business for a very long time. HSC claims that the constant surveys and feedback they collect from customers helps them improve their products and services for the better.

Standard plans offered by HSC are designed to cover major household appliances and systems and are priced competitively. Customers are also free to customize their plans and add items from a list of pre-selected add-ons, enabling them to extend coverage as per their wish. Plans are priced around $400 on average and the deductibles are charged between $65 – $125.

3. Select Home Warranty

With plans designed to prevent any homeowner from losing hair over unexpected repair and replacement costs, Select Home Warranty (SHW), has been a strong player in the home warranty scene of Utah for quite a bit of time. SHW also has a nationwide footprint so their services are not limited for Utah alone. All warranty products offered by SHW are highly praised by their customers and this has led to them being a popular choice among Utah residents.

SHW offers three main plans to their customers each based on different levels of coverage. Annual premiums range between $299 – $499 and all plans have a deductible of $45. Like most other companies on the list, SHW too has a round the clock customer service facility and also an online claims submission feature. All of this along with many, many positive reviews makes SHW a strong choice for home warranty products in Utah.

4. Landmark Home Warranty

Landmark Home Warranty (LHW) is a company which has services in the states of Utah, Arizona, Idaho, Oregon and Texas. Customers have often praised their services to be extremely user friendly. The primary goal of LHW is to provide exceptionally good services to all its customers.

LHW has 4 main plans to offer to their customers, each priced differently and having different levels of coverage. All plans come at a service call fee of $65 charged for each service visit. LHW also offers support to real estate agents to help with their clients. Apart from home warranty services, LHW offers re-keying and heater tune-up services too. The strong feedback from customers and their compelling plans makes Landmark a very sound choice for your home warranty needs.

5. HSA Home Warranty

HSA is a company with over 30 years experience in the home warranty industry. Headquartered in Wisconsin, HSA has quite an extensive coverage across USA. The company has claimed that their primary focus is on nothing other than providing great services to their customers. This is a company that has a wide range of products to offer. From agent programs, E&O insurance policies to live tools like seminars, HSA has more than home warranty plans to sell.

HSA’s primary product, home warranty plan comes in two variants, where the primary difference lies in the extend of coverage offered. Annual premiums range between $589 – $619 and the deductibles are charged between $75 – $100. HSA also has an online claims facility in addition to the 24/7 customer service wing which takes complaints no matter what time it is.

Do Your Research

What we have provided you is a list of companies based on user reviews on our site. We urge our readers to go through some of the reviews and even take a list of Award Winning Home Warranty Companies. It is advisable that you do some extensive research on our website before making a choice.

Should you have any concerns, feel free to holler at us. Cheers!