A home warranty sounds like it is a great form of monetary security against unexpected, expensive home repairs. But you should understand what is covered in a “standard” home service contract. When you are buying a home, there is possibility that you were provided with a home warranty by the seller and you assumed that it will take care of all repairs inside your home. But there are some items NOT covered in a home warranty.
Basics of home warranty –
The best answer to this can be found by evaluating your specific contract or by reviewing an on-line contract sample.
Basic coverage includes:
Because coverage differs from policy to policy and from state to state, request to see a sample copy of a policy before you commit.
As discussed above, the contract covers only those parts, systems and appliances that are mentioned as covered and excludes all others. Remember you can always pay extra premium to cover these items before you sign the contract.
However, for items such as washer/dryer, kitchen refrigerator, air conditioning, spa equipment, pool and roof leak repair, additional or optional coverage are available for an extra fee at the time of contract. Verify your contract to check which optional coverage, if any, were paid for.
A home warranty is neither similar nor it is a replacement for homeowners insurance. Homeowners insurance policy covers major unforeseeable events such as fires, theft, property crimes, hail and certain types of water damage that could have an effect on the homeowner’s personal possessions and the entire structure. A home warranty does not cover these hazards but it covers particular components of the home. It covers regular wear and tear defects which may include an older air conditioner break down or requiring certain parts changed in spite of you have kept up with needed maintenance. In simplest terms, a home warranty is an additional coverage for the items in your home which might initially have been covered by a manufacturer’s or builder’s warranty.
When you purchase a home warranty, you are principally signing a service contract. The contract provides for low-priced repair and replacement service on a number of home’s major appliances. Most plans have a basic component that offers all the homeowners who pay for a policy with certain coverages. The contract will spell out which appliances it’ll cover, how much is required to pay per occurrence and what is not covered. For instance, structural aspects of your home are not covered. So if your roof falls down, that would be covered by homeowner’s insurance. In case your water heater leaks, the water heater would be covered but the consequent water damage would be homeowner’s insurance issue. Homeowners are also allowed to procure one or more optional components that give additional coverage at additional cost.
They are quite inexpensive, usually ranging from $259 to $400, based on coverage. Home warranty companies every now and then run special discount policy prices or special sales or provide additional coverage for the same price. The policies are prepaid for a year in advance, at which time they run out or can be renewed.
Though specific plans offer for definite types of coverage, most operate in the same way.
Watch this video to know how home warranty works –
As all plans differ, you are required to ask specifically what is covered. Inquire with your real estate agent if upgrades are available. Make sure that whether the home warranty company will pay for your repairs to make certain types of appliances or systems compliant with new regulations. Pay close attention and read the home warranty contract cautiously to know the coverage, limitations and exclusions.
Home warranties may be procured by individuals buying a new or used home, landowner, and persons selling their homes or investors. Each company’s coverage is decided by the terms of its contact, but basic home warranties usually cover the parts and labor on or replacement of chief home systems and equipment.
What’s covered? Most home warranty firms provide a variety of plans, all offering different levels of coverage, so be sure to study the details of any contract before procuring. Even if you decide to renew the contract from your year-to-year, double check the details of your plan as the coverage can change yearly.
Here is a common idea of what a homeowner can wait for to find in each tier of service.
A home warranty is not an ideal solution to the risks homeowners face. Before buying one, it’s important that the homeowners read the home warranty contract and consider whether the warranty is probable to pay off. Home sellers who want to provide a warranty to buyers and homeowners or buyers who feel more relaxed having a home warranty should also do extensive research to get a reputable home warranty company that will in fact pay for legal genuine repairs when they are required.
Other home warranty tips –
HomeWarrantyReviews.com has, for many years now, been the only place online that homeowners could trust for free reviews and ratings of home service contract companies in the U.S. That is changing, as companies like Yelp offer consumers reviews on a great diversity of different products and services, home warranty included. In the past we did our best to help our readers with their decisions, making it possible for them to find ratings and reviews from real customers for a wide range of home warranty companies. But we know that consumers today need more than just reviews. Readers need to know that the products or services they’re considering are worthwhile and worth the expense. That’s where our new calculator can help homeowners who are not yet certain they need a home warranty.
Before we start going into the details of how our calculator can help with the decision to buy or not buy a home warranty, let’s look at the home appliance maintenance calculator page for a moment.
The calculator is designed to give the user a fairly accurate estimate of two costs. One is the cost of a home warranty, and the other is the cost of annual home repairs. These are only estimates, of course, but they’re based on data that we believe is fairly close to what the average homeowner will incur in annual repair costs versus the average cost of a home warranty and its service call fees. For a homeowner trying to decide what to do in advance of things around the house breaking, it’s extremely helpful to have a calculator like this. That’s why we took the time to create it and share it with our readers.
Here’s how it works for the user:
There are three tabs present in the calculator, and each one helps with a different part of the decision a reader may be making about a home warranty purchase.
The first tab calculates the estimated annual appliance maintenance cost. It allows the user the option of customizing the cost settings or using the default settings, with regard to the age of the house, the age of certain parts of it which might be covered by the service contract, etc. These defaults are often perfectly suited to a house, but when they’re not then the customization becomes important. Changing the defaults to the exact specifications of the user’s own home will produce an even more refined result and give better insight into the estimated cost of a home warranty versus the estimated cost of average out of pocket repairs.
The second tab provides the estimated average home warranty cost. It is broken down visually in a pie chart, so it’s easier for a reader to gather how much of the cost is service call fees, typically paid to the repair technicians, and how much is the premium paid to the company.
The third tab shows the estimated average home repair costs, the out of pocket costs a user might expect to pay out of his or her own pocket each year for unexpected problems around the house. Side by side with this estimate is the home warranty cost from the second tab. Again, there’s a helpful chart which makes it clear which estimated cost is greater.
In addition to the basic items covered on the list of things that influence the price of the home warranty on tab one, there are also appliances that a user can choose to add. In addition to that, a user of the calculator may also choose to select a zero dollar service call fee on tab one, something that comes in handy when talking with companies that offer their customers this lucrative incentive to buy.
What about users of the calculator who know that their service is more than the $60 factored into these calculations? That’s a pretty easy problem to fix. Assume that a typical homeowner will file four service claims per year. With that assumption, simply multiple the amount over $60 by 4 and add that to the home warranty cost in the second tab. So, for a homeowner who has an estimated annual cost of $650 for a home service contract, including the service call fees (or deductibles) the math needed for a service call fee of $100 would look like this:
By simply adding in the different amount you pay for service call fees a user can make this calculator’s results even more precise than before. And customizations don’t need to stop there. A homeowner who knows he or she has more or less than four service calls per year may make those adjustments as well. The calculator does a lot of the work in estimating average savings with a home warranty. But any precise detail a user can add in will help in making a more informed decision about whether to buy a home warranty or put money in savings to cover future repairs.
Readers who try out the calculator may want to read more about how much they might save with a home service contract. To learn more about this, here on HomeWarrantyReviews.com, check out this helpful article about the things that affect a homeowner’s savings from a home warranty. Combining the information from that article with results from the calculator can really help with what might otherwise be a tough choice.
And the help we can offer our readers does not end there.
Take a look at the comparison banner at the bottom of the calculator. It’s visible under each tab. By clicking on it, users can quickly begin to compare companies that provide home service contracts. To do that, click on the banner, or just click here to compare the top ten home warranty companies. To fine tune your results, just follow these steps.
HomeWarrantyReviews.com is proud to offer the home appliance maintenance calculator and the company comparison tools. And of course, our main mission is to bring our readers first-hand experiences from other consumers who have bought home service contracts and filed claims with specific companies reviewed and rated here on our website. We invite readers to take advantage of the tremendous amount of information here on our website and make the most informed decisions possible about their home warranty purchases!
So, you have decided to purchase a warranty that’s going to protect your budget against unexpected repairs and replacements of your household devices. It is a wise step, but you might also want to know about the options you have when you buy warranties. We bring you the list of the most common types of warranties that are purchased to cover household appliances.
Warranties can differ based on several criteria. The age of appliances, age of the home, current conditions of the device are all significant factors that you must consider before you zero in on a household appliance protection plan.
The working is pretty much the same for all these plans. When a device cracks, you inform the folks from whom you purchased the warranty and then they send over a technician to fix the damaged device. You will pay a service call charge each time you raise an issue. And, you can’t report multiple issues in a single call.
Before we go into all that, we have to tell you that the Homeowner’s insurance is something that is not included in this article. It is an entirely different plan and if you wish, you can read about the differences between Homeowner’s insurance and Home warranty.
Let’s begin with the list
We bet that you have definitely heard about this one! This is also the most widely used plan. The Home Warranty also called as the Appliance Warranty/ Appliance protection plans ( it is known by quite a number of names, would take sometime to list them all out) is a service contract that agrees to offer discounted repairs and replacements of your household appliances.
This plan is ideally suited for customers whose appliances are over 4 years. Appliance protection plan covers damages that result due to regular wear and tear, so if you have brand new devices, chances are that you won’t need frequent repairs.
Also, this is not a free of cost arrangement. As a matter of fact, none of the plans discussed here are free. They do cost money, but the amount is nominal as compared to how much you will be paying if you had to carry out the repairs and replacements by yourself.
Home warranties cover almost all the major appliances and systems in your home. They don’t cover the outdoor devices like sprinklers and all that. Read your policy document to get a better idea. You can also read a brief description about the appliances that are covered.
If you think that this is the ideal plan for you, we suggest that you read more about Home Warranty before you make a move.
This too is a familiar name. It is the kind of warranty that the appliance’s manufacturer provides for a limited period of time. Meaning that when you purchase a brand new appliance, the manufacturer’s warranty agrees to repair/ replace your device if something happens to it during the stated warranty period. The time frame changes from manufacturer to manufacturer. The average is often 1 year.
This warranty is a kind of legal binding. If they displease you by not honoring the conditions mentioned in the warranty contract, you can sue them.
Most new gadgets come with a manufacturer’s warranty, even if you buy them online, you can get the manufacturer’s warranty. Major appliances like HVAC units come with longer warranty periods. But keep in mind that the coverage doesn’t remain the same thoughout the warranty period. From second year on-wards, you will be paying for the repair service as the coverage becomes limited to certain parts alone.
You can’t use a Home Warranty to cover a device that is already covered by it’s manufacturer’s warranty. As stated before, Home warranty is for devices that are old, used and no longer covered by the manufacturer’s warranty.
Also called as the dealer’s warranty, and is the warranty that is provided by the seller of the device. This is a very short duration warranty, usually around 6 months and if a defect occurs within the stated time, you have to take the gadget to that particular seller itself and no one else. It is not a very flexible and easy plan, but it is definitely better than no warranty at all.
This is the kind of warranty that gives you the choice to extend the manufacturer’s warranty as and when it expires. These are ideal for the devices that are not covered under the Home Warranty plans eg., TV, Laptops, etc.
You can’t avail extended warranty on used and old devices. They can only be taken for fairly new gadgets whose manufacturer’s warranty expired recently.
These are third party service contracts, often provided by the seller or repair vendors. The costs vary widely as these contracts are usually given by local yet licensed service vendors. The coverage also varies so it is difficult to give much details about this type of warranty.
Speak with a few vendors and compare with the other options you have.
Getting the best
Do your research to get the best out of Appliance warranties. Always ensure that you chose a reputable company. You can also check with the Better Business Bureau to ensure that the company you chose has a clean record. Friends and family can also recommend good companies for you.
Remember, any kind of warranty, if chosen wisely can benefit you immensely by protecting your budget and also by giving you peace of mind.
Builder’s warranty is a written statement by the builder assuring that the house was completed as per a stipulated set of standards. This provides a form of protection to buyer from latent defects.
This form of warranty is also called a Limited warranty and is issued by the builder on their work. This is done either within the sales contract or as a separate document. The period of duration of such contracts are usually between one to ten years.
A Typical Builder’s warranty covers only the material and workmanship issues of various components relating to a new building. This includes
As mentioned before, the duration is largely dependent on the component. For example, material and workmanship issues are covered for a year. This would include paint, drywall, siding and stucco, door and trim etc. HVAC, plumbing and electrical units are usually covered for two years. Major structural defects like a roof that may collapse or any other structural damage that pose danger to the residents are covered for a period of up to ten years.
These warranties do not cover the cost incurred by the owners as a direct consequence of material and workmanship issues. Eg, staying away or moving out temporarily while a repair is being conducted. They also DO NOT cover the following:
If you wish to make a claim for your repair, first and foremost, refer to your warranty contract to ensure that the damage is indeed a covered one. If so, place a request to the builder informing them about the damage and requesting for a repair. It is recommended that you place this request in writing even if the company has a telephonic submission method. Ask for receipts and keep records of all correspondence. These records will help you if a dispute arises.
The builder’s warranty cannot replace the Homeowner’s Insurance or Home Appliance Warranty. All three are very different and have their own unique features.
For your own safety, it is suggested that you ask the following questions about your warranty.
The laws related to enforcing these warranties vary in each state. Therefore it will be a wise step to check with your State’s attorney general’s office or contractor licensing board to ensure that your builder follows all the laws as required by the state law.
Make sure that the contract is thoroughly studied and preserved. Experts say that the longer the contract, lesser the benefits. Such long contracts indicate inefficient builders who use vague clauses to narrow down the possibility of you succeeding in filing a claim. Shorter the contract, better the builder.
You may be asked to sign a “Warranty document” at the time of closing the sales. This is often a way to impose more rules on you and thereby narrow down your chances of making a claim on your warranty. If you have already agreed to sign such a document on your sales contract, you can’t do much about it. But if you have not consented to any such thing, you can and you should refuse signing this.
Towards the end of the duration of your contract, get your home inspected by a professional home inspector. This will help you make the best out of your warranty.
We stated earlier that the builder’s warranty cannot be used to replace a home warranty. Although both these plans cover home and it’s components, they are poles apart on certain matters.
You can also read about Differences between Homeowner’s insurance and Home Warranty.
The builder’s warranty is always a good way to ensure that you won’t have to pay for any repairs caused due to faulty or badly constructed structures. Always remember to clear all questions you have prior to signing the contract. Once signed, preserve the contract and other documents carefully. Should you ever feel that the service you received is not up to your expectation, spread the word. You can visit websites like ours to read about warranties and other topics related to owning a home. Cheers!
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.
Here are 10 basic steps any gardening beginners must follow to achieve best results.
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.
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.
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.
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.
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.
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.)
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
Buying your own home is a dream that many of us cherish and wish to realize one day, but with increasing property prices and taxes, it is becoming increasingly difficult to become a homeowner. While the real estate market is booming with hot options, and extensive marketing to push people to buy a new home over renting, potential American homeowners are more skeptical of the costs and potential return on investment than in past years.
Buying a home is profitable as long as one can commit to living in the home for a longer period, thus avoiding any extra rental expenditure. But with today’s work culture, it has become considerably uncertain to live in the same city forever and hence may put one in a dicey situation to pay for a mortgage as well as rent while moving to a new city for work or studies.
The mortgage terms should be read through and well understood before buying a home as the value appreciation by buying a home could cause loss, if the home maintenance cost like replacing the heaters or repairing a ceiling or water bills and the actual amount of money going into the principal is considered. In such a scenario, you can opt for a home warranty plan to cut down on the maintenance cost.
Overall stability is a factor that dominates each one of your financial decisions. Stability, in terms of job, relationships, promotion, savings, and family plans determine the amount of money that could be needed for future expenditure and can hence allow you to buy a home or not.
While buying a home can get you some tax deductions, there is a lot of added pressure as well, in terms of an assured amount that’s needed to pay-off the mortgage, unless you wish to lose your assets to the bank. Also, as per figures, value appreciation in property rates since 1975 has been disappointing and not earned much profit to the homeowners in comparison to other investment options available in the market.
Apart from paying for a mortgage, savings for future and sufficient planning for family expansion is also important as the place should meet all your requirements without piling you with a burden, for life.
Owning a home gives people the benefit to painting it the way they desire, or, make a small basketball court in the backyard and add tons of elements that define your personal space, but the fact that it also adds to a lot of responsibility cannot be overlooked. It is suggested that one should be able to pay at least 20% of the sum as down payment while planning to buy a home but at the same time what is more important is to maintain a constant cash inflow for a good 30-yr time until the mortgage is waved off and the property is entirely owned by you.
Also, it is the great freedom to make or change a carpet or any other thing in the home that comes in as a pleasant surprise while owning a home, where people are free to make their own decisions and not worry about a second opinion for changes that they make.
But the property market has been quite misleading and unforgivable to many, in terms of considering a new home as an investment for future as factors like selling off a home and at an escalated price which is at par with homeowners’ expectations, may not be the case every time. Realtors charge up to 6% of the property price and finding a deal that land you in profit is not guaranteed while making the purchase, as a homeowner. In the case of an emergency, selling a beloved property at loss may come as a shock to many homeowners. Also, dealing without a realtor may close doors to the best possible price for the property.
Rented properties, on the other hand, come with a bag full of its own positives and negatives. For e.g., living in a rented home lets one move to a new place without worrying about anything, unlike owning a home. But there is also a possibility of the owner escalating the rent, or, willing to discontinue the tenant once the lease is over.
All in all, there is no better feeling that creating a place that’s a representation of one’s personality, beliefs and ideologies. But leaving the emotional part of it, if planned carefully, one can afford to buy a place with a lesser mortgage and lower interest rates and proudly become a homeowner. Also, one may cut down on extra expenses by availing home warranty plans and similar saving options. As long as that takes the time to be realized, living in a rented home away from the hassle of repair and maintenance is a good idea in order to live life freely, and save enough till one can actually afford to buy a home that they can call their own!
Garbage disposal is one of the best inventions for the convenience of homemakers. They have reduced the amount of garbage to deal with making your life hassle free. But throwing in wrong things can lead to clogs, jams, blockages, odors and huge plumbing bills. With little care and maintenance your garbage disposal can be kept in best condition, extend its life and save on repairs. Here are some handy tips to help you deal better.
These disposals are meant for heavy duty but you need to be careful about what goes inside and what quantity? There are some items which can clog and damage your appliance due to their fibrous and starchy nature. Here is the list of things which you should watch out for
Maintenance of your garbage disposal is crucial, negligence and non maintenance of the appliance makes it ineligible for home warranty coverage. Home warranty sellers may not state these factors clearly, and this will create dissatisfaction to you. Here are some easy tips for the maintenance of your appliance.
Do not put hard substances like plastic or bones into the disposal, they can get stuck and jam the rotating parts.
Cut those vegetable and fruit peels into small pieces then add into the garbage disposal instead trying to push large chunks at once.
Turn on the cold water when the disposal is running. The waste still has a long way to go. Cold water prevents the motor, bearings and shredder assembly from overheating.
Dispose some citrus fruits like orange and lemon to keep your disposal odor free. For stubborn odors pour baking soda into the drain and let it set for several hours before running the water into it.
Grind up a tray of ice cubes once in awhile to keep blades sharp. If the blades of the disposal are worn out then consider replacing them with new ones.
A garbage disposal can run into many kinds of problems, some of which can be fixed easily while others may need professionals help. For safety sake never take risk if you find the job not qualified for you to do, take a professionals help. Here are some common troubles you might encounter while using this appliance.
If you turn on the switch and your garbage disposal doesn’t even make noise, then it’s probably overheated due to overfilling and the switch might be automatically turned off. The first step is to look under the unit and locate the red reset button and turn your disposal on once again.
You can hear the appliance humming but still you cannot see it working, then probably it is jammed. Firstly never put your hand down into the drain and grinding chamber, no don’t go by your instinct its extremely dangerous.
Secondly, turn off circuit breakers to the unit and then remove bottom housing to dislodge the blockage from beneath. If you find this task to be little tricky better seek professional’s help.
Food materials occasionally gets accumulated in the drain after it has gone through the disposal and cause a clog. To repair a clogged drain, place a bucket underneath the drain. Next, use a pipe wrench to loosen the fittings on the P trap. Remove the P trap. Once it’s been removed, try to locate the clog and clean it out. If the clog is not in the P trap, you may need equipments to free the clog.
Whenever you are dealing with your garbage disposal, it is wise to turn the power off at the fuse box because there is a greater risk that the switch will get bumped and the blades might end up giving you a surprise.
Home appliance warranty covers garbage disposals under major appliances, but damage due to lack of maintenance and replacement are not covered in the scheme. A bit of alertness and regular maintenance can save huge costs of plumbing and keep your appliance in good working condition, where you don’t have to juggle with the trash bin.
Your home is the center of your everyday life and possibly your most valued asset. When your home is destroyed or damaged, you want your claim sorted out by an insurance company that realizes this simple fact. A right homeowners’ insurance company best meets your needs and provides you with the most valuable blend of quality service, custom-made coverage, and fair pricing in policies.
Depending on where you live – an apartment, house, or condominium – the right home insurance plan can give you peace of mind along with the money you need to replace or repair your home and/or stuff. Home insurance policies vary by the type of coverage you choose, the losses covered and the type of residence you own. You pick a policy that is best for you, whether it’s an all-inclusive policy that covers losses such as smoke, fire, falling objects, and theft of personal property, or whether it’s a policy that covers specified losses.
Your home insurance plan is made up of the precise options you select. The amount you pay for your policy depends on what coverage you buy, how much you want to cover, and where you set your limits. There are many types of homeowners policies available when once you decide to be a homeowner or not. The most significant part of homeowners insurance is the level of coverage. Avoid paying for more than you require. Below are the most common levels of coverage.
As insurance policies come in many shapes and sizes, the same is true for insurance companies and agents, who can charge different rates for the same coverage. Bigger insurers are not always better and small don’t essentially have the best customer service. So, it’s always good to shop around for the top deals and ask the precise questions in an attempt to know what you are really receiving.
Prior to signing on the dotted line, you should understand that not all homeowners policies are the same. This is always one of the most common misinterpretations about insurance. According to a survey, more than a third of the homeowners said they did not have or didn’t identify if they had adequate homeowners insurance coverage. In 2005, after Hurricane Katrina affected the city of New Orleans, and again in 2012, when Superstorm Sandy damaged numerous communities in New York and New Jersey, thousands of worried survivors got a rude shock when they found their standard homeowners’ policies did not cover flood damage.
Many catastrophic events are not covered in the basic homeowner’s policy, but they are still insurable and require additional levels of insurance. In some cases, homeowners need entirely different policies, which are usually several times costlier than the typical homeowners’ premium. Some homes are situated in high-risk areas such as flood, hurricanes and earthquake zones, which make buying additional insurance a top priority for these homeowners. Instead of the usual $250 to $1,000 deductible under basic coverage, you have to shell out 1 to 5% of your home’s insured value (up to 10% in Florida).
Hurricane season is an old threat for many residents living along the southeastern coast of the U.S. Hurricane Matthew, which made arrival on Oct 8, 2016, left an expected $6 billion worth of property loss in its devastation across states such as Florida, South Carolina, North Carolina, Georgia, and Virginia. If you live in a region that is prone to hurricanes, you must have certain emergency plans in place. Homeowners in hurricane-prone areas need to act fast to file damage claims with their insurance firms. For instance, if your home is insured for $200,000 and your plan has a 3% deductible for hurricanes, you will have to expend $6,000 out-of-pocket on a storm-related claim.
When you buy a homeowners insurance policy, one of the must have insurance policies, you must prepare the latest home inventory to speed up a claim settlement if you ever need to make one. A complete home inventory, help your insurance company verify the property easier, which in turn makes settling your claim easy. Additionally, you can validate losses for your income tax return with the latest home inventory without any hassles.
For many homeowners, insurance is something to be thought of again, i.e., until the worst occurs. Homeowners who wait until they experience a loss before assessing their own policies do not get the full value – may be little value – out of their incalculable premium payments.
Homeowners insurance is a monetary agreement, but it should also be treated as a living entity to be cherished over time. By reading your policy wisely, shopping around for the suitable agent, comprehending your coverage limits, and create an updated property inventory.
Americans buy home warranty to protect themselves from repair and replacement costs of home appliances that fail due to normal wear and tear. Unfortunately a lot of policy holders feel let down by the result after filing a claim with their warranty company. Some people are ignorant that they have the power to dispute the outcome of a claim when one is filed; others are conscious that many customers succeed when they dispute a claim correctly. The procedure involved in disputing a claim can be extensive, but can be worth time investment.
A home warranty is a service contract that covers systems and items in your home that are usually not covered by homeowner’s insurance. Furnaces and outside air conditioning units, plumbing and electrical systems are items commonly covered under a home warranty protection plan. The homeowner requests a claim with the warranty company when a covered item requires repair. Some home warranty providers repay the homeowner for the cost of the repair while others send a contractor directly to the home for repairs.
You should look at these factors carefully for any items that you estimated to be covered by the home warranty contract you aim to procure. Make sure you read the contract one more time and understand the reason for denial. In some cases, even courts cannot help you if the claim was denied for a reason clearly stated in the contract.
So what are some of the common reasons for denial of claims on home warranty?
Always be polite and be friendly with customer service professionals. They will go an extra mile if they like you. The first step should always be that you speak to customer service supervisors and their bosses who make the decision. Assuming those steps did not result in a favorable outcome, you can follow these escalation steps:
Recently Warranty Week Newsletter published a report on home warranty companies market share in U.S. While it is not clear how the estimates were made and what assumptions were in place, the estimated numbers seem to be in the ballpark and must give an approximate idea where the companies stand.
With 41% market share, American Home Shield leads the pack followed by First American (11%), Old Republic (8.3%), CCHS (6%), 2-10 HBW (5.3%), and Fidelity (4.3%). It is interesting to note that the major service providers account for only 76% of the market. According to the report, remaining 24% of the market is shared by small companies and half of which are Internet scam companies which have no credibility whatsoever.
Here is the breakdown of home warranty companies market share :
|Company Name||Market Share (%)|
|American Home Shield by Service Master||41|
|First American Home Buyers Protection||11|
|Old Republic Home Protection Co. Inc.||8.3|
|Cross Country Home Services (HMW)||6|
|2-10 Home Buyers Warranty Corp||5.3|
|Fidelity National Home Warranty Co.||4.3|
|Dominion Products and Services Inc.||3.7|
|Home Service USA Corp.||3.3|
|American Water Resources Inc.||3.3|
|Home Security of America (HSA)||2.1|
|Service America Enterpirse||2.0|
|Home Warranty of America – HWA||1.7|
|Land America – BHW||1.5|
|Broward Factory Service – BFS||Less than 1%|
|Allied Home Warranty||Less than 1%|
|The Warranty Group (ServicePlan)||Less than 1%|
|Warrantech Home Service||Less than 1%|
|Nations Preferred Home Warranty||Less than 1%|
|American Home Gaurdian||Less than 1%|
|America’s Preferred Home Warranty||Less than 1%|
|HISCO Home Warranty||Less than 1%|
|Blue Ribbon Home Warranty||Less than 1%|
|Home Warranty Inc.||Less than 1%|
|RAM Home Warranty (Rehak)||Less than 1%|
|U.S. Home Protective Association||Less than 1%|
|Nicor Services||Less than 1%|
The $1.5 billion home warranty industry was hit by the real estate downturn and but looking at the growth chart, 2009 was not a bad year. The growth was flat for the last 2 years, but the industry did not experience any negative growth unlike the real estate market.
You can read the home warranty market share report at their website
You can refer to home warranty companies and their offers on our website as well.
Can a Contractor benefit from the Home Warranty Companies? There may be universal consensus on the subject which is why this article is dedicated to show how work can be extracted and also examine the full scope of benefits a Contractor can draw from a Home Warranty Company.
The better the reviews for a Home Warranty Company (New York, Virginia, Texas, California, etc.), the better your chances of earning and saving more at the same time. What makes it so attractive is the almost nullification of advertising costs for the contractor. All companies that work along with Contractors offer free referrals to Contractors, to all their home warranty customers.
In order to make the most of the significant market that exists, it is never enough to know the technical know-hows of how to repair electronic appliances but you should also be ready to expend a part of your revenue into marketing your brand.
Another reason it is beneficial to work with a Home Warranty company would be because it guarantees continuous work, and you are less prone to be out of work on a not-so-profitable season. With increasing work calls from the Home Warranty Company, the more chances you have at expanding your brand, either by hiring new technicians or buying new work-enhancing technology. With this sort of reliability, you could be fixing an AC and heater at any time of the year.
This can also prove beneficial to the Home Warranty company too as the contractors provide good reviews of the companies they are working with, increasing their chances of contacting them again or even spread goodwill by word of mouth.
When you decide to take on this relationship with a Home Warranty Company, it is also important for a Contractor to remember that he/she must be efficient in receiving calls from customers, who are directed from the Home Warranty company itself. Customer service is the lifeline on which the success of Contractor business can rely on, especially in the case where you are working with a Home Warranty Company where all your customers are directed from the contact number you provide the company.
Joining bigger Home Warranty Companies can give you a form of exclusivity if one outperforms all the contractors a company has hired. This will allow you to appear at the top of their list of contractors, especially if they provide reviews’ section.
Almost all leading Home Warranty Companies offer online applications which you can fill up in your leisure time and submit with all the relevant information typed in.
Some of these leading Home Warranty Companies include,
The customer reviews’ section within our own website can also be found for some of the top rated Home Warranty Companies like American Home Shield, The Home Service Club, Secure Home Warranty, America’s Preferred Home Warranty-APHW, Select Home Warranty and First American Home Warranty (also picked as 2017’s Editor’s Choice, a brand new category introduced this year).
However, all contractors are requested to review the home warranty companies they’ve worked with on an exclusively dedicated space called the Vendor’s Area. Here, one can dish out all the good and bad experiences one’s had by taking up the jobs given by the home warranty companies.
Some of the benefits to the contractor by working with a Home Warranty Company like above, in addition to the ones already mentioned, would be:
Renowned Home Warranty Companies also help their contractors in times of need, which include an experienced support team and a high limit on calls. Companies like Home Warranty of America also helps Contractors claim costs.
Before filling up your application form to become a Service Contractor, it is a necessary step to license your contractorship. Every Home Warranty Company expects the Service Contractor they are about to work with are certified contractors with a license and hence you are required to fill up your license ID in the application form.
Also you are required to fill in your Auto Insurance Policy Number, and your General Liability Insurance Policy Number (optional). Insurance Policies are in your own interest, hence even if some of them are optional we recommend you create one if absent.
Diversifying your skills can also be very beneficial before applying for a Contractorship with a Home Warranty Company. As you fill up your application, you are asked of your specialization and hence learning new skills can help you strike off more blanks, increasing your popularity among the reviews and consequently help increase your revenue.
Consistent work can be guaranteed when you are able to juggle with different kinds of repairs be it plumbing, garbage disposal, weed/lawn mowing, ceiling fans, gas fireplace or septic system. These numbers can go up to a hundred so a little bit of extra skill can only put you so much ahead of the rest of the contractors.
If you are looking to expand your presence in contractorship, applying to work with a Home Warranty Company is the best as it can get. You can save and earn more at the same time, a chance usually deprived for those working outside of these companies. There are many ways you can utilize such an opportunity, more so as there are numerous Home Warranty Companies and your chances at getting in at any one of them aren’t nearly dim. Go ahead and fill your applications now!
Our portal also lets you access some of the most sophisticated lists of best home warranty companies, ranked on a various different criterion. This is, in addition to the Complaint Resolution Program (CRP) and Home Maintenance Calculator. Be sure to check them out!
As of now, many of these coupons have expired. However you can still get a price quote for home warranty on our website. This will be a free quote and there is no obligation to buy
Choice Home Warranty is offering 25% discount on premium and $15 off of service call fee. Use the code “HOLIDAY25” here – http://choicehomewarranty.com/quote-start.php
Coupon expires on 12/26/2008
Check out our reviews section for Choice home warranty reviews
Choice Home Warranty is offering 15% discount on premium and $15 off of service call fee. Use the code “15OFF” here – http://choicehomewarranty.com/quote-start.php
Check out our reviews section for Choice home warranty reviews
We found this discount deal on deal catcher forums – National Home Protection is offering 20% off, and $50 Gift card
Sign up for a new home warranty and get 20% off your monthly bill, $45 service calls (usually $60) & a free $50 Home Depot Gift card. Offer expires 10/31.
Use Promotional Code SAVE20 Check out our reviews section for National Home Protection home warranty reviews
Warranty Direct has extended its services from the automobile industry (extended auto warranty plans) to home warranty and home appliance services. The auto warranty company is venturing into the home service market for the first time.
Tara Williams, the executive vice president of Warranty Direct commented on the extension of the services provided by the company that the vehicle warranty provider has now decided to extend its services into home warranty and home Appliances. She stated that this warranty helps you against unexpected repair bills on household appliances.
Warranty Direct claims that it is determined to satisfy their home warranty customers and has come up with different plans to fit their varying needs. These plans include Home care+ and Appliance care+ plans. Their Home care+ plan covers a wide variety of major home appliances, be it electrical, water heater, plumbing or any other house repairs. You can use their Appliance Care+ plan which offers low cost coverage and repair of any of the following: washing machine, refrigerator, dryer, built-in microwave, dishwasher and oven.
Home Warranty services are only a call away. By having an extended Home Warranty, you can call their toll free number and make use of their services provided and enjoy a relaxed life.
Warranty Direct is a 30+ year old company, one of the largest and established auto service contract providers. It has an online division of a dealer agency and an Interstate National Dealer Service. Their expertise in auto warranties is among the top with over 2 million auto extended warranty contracts sold and over $1,000,000,000.00 in paid claims. The company has direct-to-consumer division which is of one of the oldest and largest independent automobile extended warranty providers in the US. In addition to offering the auto warranties directly to consumers; over 2,200 manufacturers, dealers, banks and credit unions choose to sell their coverage.
For automobiles, Warranty Direct covers mechanical breakdown coverage, wear and tear protection, free roadside assistance membership, rental vehicle coverage, trip-interruption protection, direct payment of claims, nationwide coverage, toll-free customer service and easy enrollment options. Also, each of Warranty Direct plans clearly outlines what is covered and not covered.
According to their website, the company services and pays their own claims versus outsourcing them to other insurance brokers. Warranty direct has consistently received an A+ rating from the Better Business Bureau and have been named to Forbes Magazine for the Best 200 small companies list for nearly three times. With a user friendly website, they are all geared up to provide essential information you need to know about the company and their products. Pricing details, claim process, ability to compare contracts online prior to the purchase and more features are available.
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)
Following are the home service contract companies that offer zero deductible as of this writing:
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.
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.
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.
There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC). HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.
Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company. Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.
The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services. Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.
There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!
Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible. Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot. Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product. Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials. Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.
Life is certainly unpredictable, you cannot control the outcome but surely can prepare yourself through careful planning and minimize the risk and be on the safer side. Insurance is one such protection mechanism which covers major expenses with an understanding that you will pay a smaller fee as a premium.
An insurance is a contract in which an individual receives financial protection or reimbursement against losses from an insurance company against the payment of a premium.
We have an inherent need to protect ourselves and our family, so why not buy insurance and secure the unknown future. According to needs you have various insurances. Some are a must while others are worth. Here is a quick tour into the world of insurance policies.
As the term suggests you are insuring your life with a certain amount. It is an insurance that pays out a sum of money either on the unfortunate death of the insured person or after a set period.
It is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insurer. Health insurance can either reimburse the insured for expenses incurred for illnesses or injury or pay the care provider directly.
It is an insurance for all your automobiles against theft and accidents.
A home warranty is a contract for repair and replacement of major home appliances such as refrigerator, washing machine, garbage disposal etc. on payment of a premium.
This insurance covers the home including the structural elements as well as the valuables inside the home. However, you can claim this insurance only where there is a natural disaster such as flood, fire etc. Please note that this does not cover the appliance repair and replacement costs.
Often Home warranty and insurance are thought to be similar but they are completely different in the coverage they provide. Home insurance is a must to have whereas home warranty you can choose to get.
When it comes to insurances you have a plethora of options to choose. From travel insurance to disability insurance etc, you can choose and plan according to your needs. All insurances have advantages and disadvantages but insurance no matter which protects your peace of mind. While buying insurance always make sure to do a background check of companies you are dealing with and read the reviews and fine print thoroughly.
Click here to check for Home Insurance and warranty companies.
Future is unpredictable yet securable therefore get insured stay assured.
This infographic depicts the most basic definition of what a Home Warranty is all about. Although the title says that it is for dummies, we’re sure that even people with average/ above average intelligence can keep up!
Now, an appliance warranty is a form of protection your purchase for your household appliances and systems. It is a contract that offers to provide you discounted repair and replacement services should your device sustain any damages.
As you can see in the infographic, all major systems and appliances are covered. Now that would include refrigerator, built in ovens and microwaves, washer/ dryer, HVAC units and major systems like plumbing and electrical units. Additional coverage can always be purchased, so you can rest assured that all your devices can be protected!
This is how it works. When your covered device gets damaged, you simply place a call to the warranty company explaining your situation. If the damage is not an excluded one, your claim will be taken up. The warranty company then sends a technician to your home to fix the damage.
Let’s discuss the claims part. Like we said, when you notice a damage, all you need to do is inform the warranty company about it. Did you notice that title saying “Common reasons for claim denials”? Yes it is true. Although this does not happen often, it is still noticed that companies often deny claims. The grounds for claim denial varies from company to company and can be understood only after you go through their policy booklet.
However, common reasons for denial are as follows
Don’t worry too much about it. If you choose a reputable company, chances are low that your claims will be unjustly denied.
Moving on, let’s discuss the premiums and deductibles involved. As the image says, the annual premium for most basic warranty plans are somewhere in the range of $250- $500. This can vary depending on the extent of coverage. Larger the coverage, higher the premium.
Each time you raise an issue, you will be expected to pay a deductible/ service call fee (it’s nominal, around $50). The happy news is that there are some companies offering plans at zero deductible.
So there! That’s what the infographic is all about. Isn’t it an awesome image? Cheers!
Hagerstown, Maryland is one of the prime cities in Western Maryland. The Hagerstown-Martinsburg urban area is home to almost 270,000 residents, while the Hagerstown suburban area has over 40,000 people and about 30,000 jobs. Currently, there are approximately 500 homes for sale in Hagerstown at a median listing pricing of nearly $180,000.
The top-rated realtors in Hagerstown are well aware of properties, neighborhoods, and newest for sale listings in the city. The experts can provide you with updated information about home buying and selling trends in Hagerstown. Below is the list of top 5 real estate professionals based on their recent activity, years of experience, and total sales volumes in dollars.
Tina is a Realtor with Exit Preferred Realty and licensed in Pennsylvania and Maryland. With an experience of more than three decades, she specializes in short-sale, consulting, and buyer’s agent. She is a proud Member of Pen Mar Regional Association of Realtors, Member of Metropolitan Regional Information System, Member of Realtors Association of York and Adams County, and Member of National Association of Realtors. Tina is an accredited short sales and foreclosure resource (SFR) as she knows how to help sellers maneuver the intricacies of short sales as well as help buyers pursue short sale and foreclosure opportunities. Tina understands that buying or selling a home is one of the most significant things you do in life and she assists in making the experience as smooth and successful as possible. Her extensive experience and expertise in the Hagerstown, Chambersburg, Fayetteville, Greencastle, Mercersburg, and Waynesboro real estate market benefit her customers in their buying and selling process.
If you want to buy a home, Tina and her team can help you find the home of your dreams by patiently listening to your needs. She works untiringly to find the right home so that no one has to compromise when it comes to such a huge purchase and decision! Besides, her real estate knowledge ensures that you get the best price possible for your property. Her strategic marketing program makes sure the right people view your home. Whether you are seeking Homes for Sale or Mortgage information, Tina and team are always available for service by phone, email, or appointments. Experienced in all facets of real estate, Tina enjoys spending time with her children and grandchildren, gardening, riding horses, and taking a hike.
“So if you or someone you know is looking to Buy or Sell a home give me a call. Thinking Real Estate! Think Tina Long!”
Joan possesses more than 33 years of experience in the real estate industry spanning across Residential and Commercial Development in the Washington D.C. Cosmopolitan Area, Property Management, and Certified Buyer and Seller Representation in the Western Maryland and South Central Pennsylvania neighborhoods. A consistent multi-million producer, she can assist first-time buyers and people scaling up or down with their home size or moving to a new area. Joan is skilled in all facets of real estate including but not limited to equestrian or farm properties, urban, suburban or rural homes, historic properties, primary or second homes, and Country Properties. Currently a part of the management team at Coldwell Banker Innovations, she operates mainly in Hagerstown, Boonsboro, Braddock Heights, Clear Spring, Funkstown, Sharpsburg, Chambersburg, Mercersburg, Greencastle, Waynesboro, Knoxville, Fairplay, Saint James and more. Joan believes that experience and understanding are priceless when purchasing or selling a home and hence she provides the right guidance to attain your real estate goal.
An alumna of the University of Buffalo, Joan is constantly acknowledged as one the area’s leading real estate professionals. She has served as President of PenMar Regional Association of Realtors providing guidance for the local membership to boost their abilities and opportunities to prosper through cooperation, participation, promotion of professional integrity and moral standards, and providing educational opportunities to further their careers. She is also engaged in teaching the Introduction to Real Estate licensing course at Hagerstown Community College. Joan has steadily maintained a multi-million dollar award winning sales position in the top 10% each year. She has won the following awards:
Call, email or text JOAN anytime with real estate queries you may have.
Mike has spent more than two decades working in the real estate industry serving the needs of both the residential and commercial market. He is a resident of the Frederick and Washington County neighborhood and displays an amazing sense of leadership and integrity in everything he does. Mike received his Bachelor of Science from the University of Maryland University College and operates mainly in areas such as Hagerstown, Adamstown, Saint James, Brunswick, Boonsboro, Middletown, Smithsburg, Keedysville, Ijamsville, Williamsport, Maugansville, New Market, Point Of Rocks, Thurmont, Cascade, Cavetown and more. After spending his initial 17 years with Mackintosh Realtors, a local independent firm in Maryland, Mike established Atlantic Real Estate in January 2013 and since then is building a business model that incorporates the customary services expected from a real estate brokerage firm while combining state-of-the-art technology and advanced ideas. Atlantic Real Estate manages all aspects of real estate including property management, buyer & seller representation, real estate investor strategies & planning, professional marketing & sales, consulting & advisory services, land development, and new home sales & marketing. He established Atlantic Home Construction in 2015 after renovating & remodeling investment properties for many years. The company builds custom new homes and remodels existing homes for resale.
In 2016, Mike established Atlantic Companies, recognizing the void between the real estate and building industries. Atlantic Companies is comprised of a real estate division (Atlantic Real Estate) and a construction division (Atlantic Home Construction) along with other ventures. This allows both divisions to work together providing superior quality and long-term value, forward-thinking ideas, and honest customer care.
Mike’s commitment to work responsibilities sets him apart from the rest and has helped him achieve the following:
In addition, Mike has earned the following:
A licensed agent with Keller Williams Premier Realty, Karen serves neighborhoods such as Hagerstown, Clear Spring, Chambersburg, Fort Loudon, McConnellsburg, Mercersburg, Orrstown, Williamsport, Boonsboro, Shippensburg, Waynesboro and more. Whether working with a first-time buyer or a seasoned homeowner, she believes in striving for excellence. Her specialties include short-sale, investors, senior real estate consumers, residential, distressed homeowners, luxury homes, listing agent, and relocation. After graduating from Mercyhurst College, Karen spent 25 years as a registered nurse in Erie, PA. When her husband relocated to the Cumberland Valley around 17 years ago, her 5 children were very young. Her passion for bringing the best to a community led her to get involved with the local Boy Scouts of America. She held numerous leadership positions such as Cubmaster and leading district training events. Later she also became a board member of the Mason-Dixon Council as Vice President of Cub Scout Program. Karen is a recipient of the Silver Beaver Award which is the highest Council award and her 4 sons have earned their Eagle Scout award. Her daughter is the pharmacist at the local Greencastle CVS and one of her sons is a pilot for the United States Coast Guard.
Karen’s expert skills along with hard working attitude and interest in marketing led her to pursue a career in real estate in 2004. In her very first year of service, she was awarded PenMar’s Rookie of the Year. Since then, she has continued to be a top volume producer. “Helping people with one of the biggest decisions of their life is such an honor. Being their advocate and making their move as easy as possible are my goals. People look to us for guidance with life changes and this is a responsibility that we cannot take lightly. I BELIEVE that Realtors who base their practice on the latest guidelines and marketing principles are “doing their best” for their clients and their client outcomes are then optimized.” Karen helps the first-time buyers by making them understand the assets and liabilities of a property. She believes that preparing the home for selling and staging the house are critical when buyers are so selective. Premium virtual tours are her specialty.
Finding Keller Williams, the second largest Real Estate Company in the US has been impeccable for Karen’s wish to be the best. Working at Keller Williams has offered her the following:
Karen has earned the following designations and certifications:
“My mission is to always “DO MY BEST” in providing professional real estate services to you the buyer or seller!”
Kari Shank is a full-time realtor with RE/MAX Achievers and licensed in Maryland, West Virginia, and Pennsylvania. She is keen in making your real estate transactions as seamless as possible. She is a permanent resident of Washington County, MD and also has great exposure to the Washington and Baltimore areas. Kari loves working with both buyers and sellers and always takes a tailored approach to the business. Besides, she works as a buyer’s agent emailing you with new listings, setting up custom home searches, negotiating deals, and setting up custom home searches on your behalf! She has a proven track record selling real estate and is available to you seven days a week to answer any of your concerns. Kari has a long list of clientele as she carefully listens to understand the goals and guides them through the complete process of selling their property from listing to sale.
With nearly 11 years of distinguished service, Kari has won the following awards:
Kari is mainly active in neighborhoods such as Hagerstown, Middletown, Smithsburg, New Market, Falling Waters, Boonsboro, Adamstown, Chambersburg, Shepherdstown, Brunswick, Clear Spring, Fairplay, Frederick, Keedysville, Maugansville, Myersville, Sharpsburg, Williamsport, Greencastle, Waynesboro, and Martinsburg. Her skills include sellers, buyers, first-time buyers, relocation, condos/townhomes, short sales, foreclosures, investment properties, and new construction. She is very active in the real estate community serving on the PenMar REALTOR® Association’s YPN Group and as a presenter at the Hagerstown Home Store. As a certified distressed property expert (CDPE), Kari is proficient in effective short sale negotiations. “If you must sell and the current value of your home is no longer enough to satisfy your mortgage a short sale can be a wonderful opportunity to avoid foreclosure. I have worked on many of these sales and would be glad to help you consider your options.” An alumna of University of Maryland College Park, Kari is interested in historic properties, music, photography, traveling, animal rights, and vegetarianism.
“Just tell me what you are looking for and I will search all of my sources and provide you with a convenient report of all the properties that you may be interested in complete with photographs of the properties and detailed neighborhood information.” Kari guarantees to advertise through multiple sources, competitive commission rates, and guides you through your next move! Call her today for more information on the current market.
It is not surprising that homeowners often wonder whether home warranty is more cost-effective than the actual repair expenses. Top home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator to better make an informed decision in purchasing a home warranty. There is also a widget code for all the realtors out there to use it on their websites and blog posts. This is a nice to have feature and sends out the right signal for all of the potential customers coming your way! (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>)
Just the decision to take the task of building a home into your own hands can be daunting, keep aside the fact that liabilities are now yours alone to deal with. The joy of being there every step of the way and having a say in every brick, beam, and wall comes with a lot of responsibility. The smallest of injuries on site to a worker, accidental falls, natural disasters and other unforeseen circumstances can put your budget off by thousands of dollars.
Time is a factor as well, having the plan pushed back by weeks, if not months; time and money that you cannot get back. Such accidents are what makes it prudent for you to invest in structural insurance, warranty and legal coverage for all the essentials.
Structural insurance functions within the parameters of Builders Insurance and Site Insurance, covering claims regarding the foundation and architectural framework of the building, as well as the integrity of the site it is built on.
As the percentage of self-built homes increase in the US, numerous companies now offer a comprehensive list of structural insurance for homes built without the assistance of building agencies.
If narrowed down to just structural claims, structural insurance covers the claim of any structural defects in a home for a fixed number of years after it is built. Often certain companies have a secondary set of rules, pertaining to the fact that the claim will only kick in 7 to 10 years after the house is completed.
That being said, structural insurance usually comes hand in hand with site and builders insurance as well, both essential and usually synonymous with structural insurance.
Site insurance is offered to builders as well as individuals who have purchased land and intend to construct. It not only covers any natural disaster-related damage – fire, storm, flood – to the land, but also the temporary structures on it. The coverage puts aside a certain sum to take care of any unforeseen circumstances that may cause huts, caravans, tools and the building under construction itself to be partially or wholly damaged.
Certain insurance companies not only take care of the monetary side of things but also offer services to clean, repair and bring back the space to its former state.
In recent times, Builder’s Insurance has become a must for self-built structures, especially since it establishes a sense of trust between the homeowner and the bank or builder who is offering monetary assistance.
Builder’s insurance acts as the umbrella under which site and structural insurance fall, but often companies do cater to individual needs by offering them separately. These insurance policies even accommodate for theft of tools and valuables from the site, but usually, put a limit of the claim. That being said, it is important to pick appropriate coverage plans and not under or over-insure your property.
Allowing delays and pushbacks, any building or structural insurance for individuals who are constructing on their own extend to 18 months, as opposed to the usual 12-month coverage given for builders.
Building a home isn’t only about the structure and integrity. Along each step of the way, you have to be aware of not only accidents and loss that are beyond your control, but also any harm that the process may cause to workers, the public and adjacent private and public property.
As a homeowner, you are liable if any of your workers are injured during the course of construction, or even if they fall ill due to toxic substance exposure while they worked for you.
Even a trespasser walking into property can have a legal claim if he or she is injured due to any improper construction methods.
Damage to surrounding property can be another reason you are faced with a very large bill for compensation. Everything from a falling tree branch to heavy machinery vibrations that may cause harm to adjacent structures can be seen as cause for a lawsuit. Most often, such damage is seen to happen during the time when your foundation is being set, causing worry about underground water sources and support extending below the ground of other buildings in the area.
Besides structural and builder’s insurance, warranty extends the coverage, claims, and care for years after the home is built – taking care of issues and damage that insurance does not address. While insurance deals with unforeseen circumstances and matters that were out of your control, Home Warranty offers solace when you need to deal with maintenance, repair, and replacement due to general wear and tear.
Usually put in place for a period of ten years, Structural Warranty covers defects in the foundation, load-bearing walls, beams, pillars and sometimes even wiring and plumbing systems. Not only does it keep you worry free, it also assures that any negligence on the part of the contractor is covered for without conflict.
Here’s a write up about top home warranty companies in New Jersey. Now all you need to do is scroll through the list of companies, visit our site for a free quote and user reviews to pick your home warranty! We guarantee you that you’ll find that it is very useful!
Located in the Northeastern and Middle Atlantic regions of U.S.A, New Jersey is indeed a popular state. Fondly called as the Garden State of America, NJ has much to offer for its residents. No matter where in New Jersey you are, if you are a homeowner, your primary concern would be caring for your family and your home. Like most homeowners, it’s natural that you’ll worry about the expenses of repairing unexpected damages and replacements of your household appliances.
So here’s our list of top home warranty companies in NJ based on user reviews and ratings-
These companies have been around for several years and are on this list because of the feedback they have received on our site from their customers. Take a detailed look at each one of ‘em!
American Home Shield or AHS as it’s commonly called, is a company that founded the home warranty industry. Naturally, this is a company with unparalleled experience and a nationwide footprint. AHS also has a massive contractor network where every single technician is selected after a stringent screening process.
AHs offers plans that are designed to suit the needs of homeowners, Realtors, buyers and sellers alike. Their plans are reasonably priced and standard plans start from as low as $250 every year. The company also has an online claims facility and a customer service facility that runs around the clock.
Yet another popular home warranty company in NJ is the Home Service Club (HSC). This too is yet another company with nationwide footprint and with coverage in over 48 states. HSC too screens each technician in their contractor network and follow up with the customers to ensure that they are satisfied with the services.
HSC’s plans start from $400 annually and the deductibles are charged between $65 to $125. Warranty purchases can be made through their website which also has the facilities to allow homeowners track their account. Online claims can be made just as easily as claims can be made with their round the clock customer care service.
Headquartered in NJ, Select Home Warranty is one company which has plans to cover anything from rental properties to mobile homes and condo units. They have three main warranty plans which vary in the extend of coverage and comes at affordable prices. This is one company that does not place an age restriction on the house or mandate a home inspection prior to purchasing a plan.
Select Home Warranty’s plans start at $299 annually and the average deductible is charged at $45 per service visit. Customers can purchase plans through their website and even place claims online to schedule to a repair.
This is a company with close to 30 years experience in selling warranty products. Like the others on this list, HSA too offers competitive plans at compelling prices to its customers. More than just home warranty plans, the company also has a host of other services and even a newsletter for homeowners, sellers, buyers and real estate agents.
Annual premium for plans sold by HSA range between $589 – $619. The deductible varies depending on the kind of plan you chose but is usually between $50 – $100. HSA too has a 24/7 claims facility and also the facility to place claims through their website.
Choice Home Warranty is a popular choice among NJ homeowners owing to their comprehensive warranty plans and affordable pricing policies. With policies that will add to the value of your home, CHW has managed to garner a lot of positive feedback from their customers.
Standard plans are available at premiums ranging from $370 – $450. Deductibles are charged starting at $60. CHW too has an online claims facility and has a massive network of skilled, licensed and experienced technicians ready to be dispatched when claims come in.
This list has been prepared based on actual user reviews submitted on our site. Therefore, there is a good chance that we may have missed out on an awesome company due to insufficient reviews. We welcome inputs from readers based in NJ to know more about companies there. Do let us know what you think. Also, you can take a look at top home warranty companies in various states across U.S.A. Cheers!