How to Decorate Your Apartment on a Small Budget

Decorate Your ApartmentThe majority probably have the disguise and feel of a well resided home. Apartment living is a great way to save money and it gives you the liberty to move around, as you wish for. Entertaining in a well designed apartment will make you feel good and will most probably make you like living there. Decorating your apartment economically will make you feel good when you entertain, and when enjoying your place on your own.

 

Decorating your apartment does not have to be pricey or boring task. It should be a fun process that lets you discover your creativity to create an apartment that defines you. Decorating also serves as an opportunity to allow your personality shine, while creating a home that is comfy, budget-friendly and attractive. To know more about this check out our Home Appliance Warranty guide.

8 Cheap Apartment Decorating Ideas

Moving into an apartment is always expensive with deposits and other costs, so here are 8 cheap ideas to decorate and furnish your apartment and to make it the best it can be.

Mirrors make your apartment feel larger1.  Small Spaces:

Apartments are usually small confined spaces. Using mirrors is a great way to make your apartment feel larger and give it a homey feel. You can find large ones to cover the total wall if you want, but prefer different sized framed mirrors. Framed mirrors give a little extra pizzazz and a more expensive look than plain border less mirrors. If you like conventionality, you can paint the frames to your liking.

2.  Furniture Placement:

If your room is large enough you can “float” the sofa in the middle and add a console or low dresser behind it. This can give a nice barrier between the dining and living area, as they are generally shared spaces. You may have to move it around a bit to get it the way you wish for. You may even put up a nice room divider at the back of the sofa to break it up even more.

3.  Paint:

Interior PaintingMany apartment complexes have set of rules about not being able to paint the inside of your dwelling. If they do, it’s likely an off white/boring white color. In order to avoid the plain bare walls you can paint your furniture instead. Be artistic and paint an old table, wood chairs or an end table a brilliant color. Paint is easy, cheap and a cost effective plan to bring color into your home. Another idea, go to a swap meet, yard sale or discount store and find bright cheap artwork to hang on your dull white walls to bring out the zest.

You could make use of curtains as a means to decorate your plain walls without painting or wallpaper. It gives the look of luxury and gives the delusion you have windows behind drapes. Use long drapes that hang from the ceiling to the floor to give height to the room rather than a tiny window or just a plain blank wall.

4.  Dining Area:

In today’s ultra-modern world many people telecommute for work. If you are staying in an apartment you may not have the room for a home office. In case you need a workspace, one idea is get rid of the dining room table and substitute it with a console table or an old farm table that fits the area. This will offer it an industrial look and provide ample space. Rather than dining chairs, get some folding chairs that can be folded and stored under your bed. You can use a ergonomic desk chair with wheels while working. This will give you the chance to use the table as a desk or as a dining table when you have guest.

lighting apartment ideas5.  Lighting:

Most apartments are boring and dark; proper lighting improves the decorating scheme in any room. There are many light sources obtainable right from natural light, lamps to salt crystals. Natural light is the best source when possible. It’s the most cost-effective.

6.  Shelving:

Shelving can be employed in any room of your home and it gives a nice placement for your general storage needs. You can make use of mason jars, baskets or any nice containers to keep on the shelves. Floating shelving are usually nice and can add extra elegance to any room.

7.  Carpet:

Normally apartments don’t come with polished hardwood floors many of us dream about; they generally have carpet with three generations of living already built in. Most will have a few marks and you will usually have to live with it. However, there is an answer to the problem and it’s called area rugs. Area rugs are great for covering stains and dull colored carpet.

Greenery inside apartment8.  Greenery:

Plants are a great way to bring life into your apartment. They appear great and have health benefits also. Plants help control humidity, clean the air and help lessen noise levels. They also improve the “energy” in your living space and add an organic touch.

 

Decorating an apartment can be a tricky task. There are limits to what can be done and rental rules you must pursue. Inexpensive apartment decorating ideas can help you plan the perfect apartment you will always adore. You don’t need to hire a costly interior designer.

Good taste does not have to come with a giant price tag. You can with no trouble stay within a restricted budget when decorating anything, particularly a small apartment. Sharp eye for bargains and creativity is all that you require decorating a small apartment on the cheap.






Heating and air conditioning units make us feel nice and comfy. No matter what the temperature is outside, whether it’s too hot or too cold, HVAC units help us relax inside our homes. So, as owners of HVAC systems, we want to keep our heating and air conditioning units in good working condition. To do that correctly typically involves regular maintenance and occasional repairs.

There are times when we make mistakes though, some of those being very common. Making mistakes with the maintenance of HVAC systems will typically reduce those systems’ performance and efficiency. We all make mistakes. But, how we handle them is the crucial thing.

In order to correct these mistakes, you first need to know what is going wrong. To help you out, we have covered the most common mistakes that HVAC owners make. After learning about these you should know what to avoid, while effectively dealing with your HVAC units.

Common Mistakes HVAC Owners Make

1. Old HVAC units

Like all other mechanical systems, the performance of HVAC units reduces with time.  But if you maintain your HVAC system properly it does tend to work well longer. People often ignore this fact. Moreover, older HVAC systems are not equipped with the modern technology. Their construction and optimal efficiency become obsolete over time. Because of this fact some homeowners trade an older system for a newer one rather than dumping good money into costly repairs up system upgrades.

2. Playing with the HVAC settings

Many people constantly change the settings of their HVAC systems. They fiddle with the controls and settings of their HVAC systems, day in and day out. But they don’t realize that, this can harm the overall performance and efficiency of their HVAC units. It is recommended that you set your HVAC systems to a particular setting, which will work for all temperatures. The settings should remain stable. This way the HVAC unit will adapt to your comfort level. You can also adopt other measures to control the temperature of your home. For instance, in winters, you can add another layer of clothing or use a blanket to keep yourself warm, instead of changing the settings of your heating unit.

3. Continuously running your HVAC systems

Some people continuously run their HVAC units. Some homeowners leave their air conditioning and heating units on when they go out so that when they return home they can find their homes at the preferred temperature. In extreme heat or cold this approach to maintaining a constant, comfortable temperature may take a toll on your HVAC system. It also uses a lot more energy, resulting in huge electricity bills. Instead of this approach you might find a tolerable temperature and maintain that until you return home. Or you can opt for a programmable HVAC system with time-specific temperature controlling options. Such units allow you to pre-program the settings and govern how your HVAC unit operates when you are not at home so that when you arrive home you can feel comfortable without constantly running your HVAC unit.

4. Choosing the wrong temperature for the time of year

Keeping only one particular setting of your HVAC system throughout the year is also not good. Seasonal high temperatures or low temperatures can put excessive stress on the system. Keeping your home around 72 degrees Fahrenheit may be desirable, but it may not be ideal year round from the point of view of maintaining your HVAC system. If you are not sure of the temperature that is safest to maintain for your particular system at various times of year you should ask the company or technician maintaining your system for that advice.

5. Forgetting the V in HVAC

Yes, many people forget about the crucial V in HVAC. The V stands for ventilation. People oftentimes overlook the IAQ (Indoor Air Quality) of their homes. Kitchens and bathrooms are the most common places in a house that may be poorly ventilated. Depending on your region’s climate your house may suffer from high humidity in addition to having ventilation issues. Such homes require mechanical systems to deal with excess humidity. Excess humidity can cause your system to work much harder than is ideal for its expected operational life. And improper ventilation, even without extra moisture in the air can seriously affect the performance of the system. Make sure that your HVAC units incorporate adequate ventilation with the 3 essential pressures– positive, negative, and balanced pressure.

6. All HVAC systems are not created equal

Every house has a different structure and architecture. Modern homes tend to be much larger than ones from the past. HVAC systems have also changed. But you should never assume that the HVAC system in your home is the exact match to your home size and other unique factors. If you never seem to find a comfortable balance between the indoor temperature and the electric bill you may want to speak with an HVAC professional. Make sure that your HVAC unit or units are sized properly. And don’t skimp on costs at this point. Going with the best HVAC service and sales outlet in your area is wise.

7. Forgoing annual HVAC inspections

People often ignore the fact that they need to call on professionals once in a while, for maintaining and repairing their HVAC units. Remember to schedule an appointment with an HVAC technician, at least once each year, in order to ensure proper functioning of your HVAC unit. Twice per year may be better, and your local service company may offer pre-paid plans with discounts for paying in advance. Paying in advance may also help to avoid forgetting to schedule the service calls. And don’t fall into the trap of trying to save money at the expense of the longevity of your HVAC system. You get what you pay for. You might save some money by choosing the cheapest HVAC service contractor, but spend a lot more when the system starts to break down due to cheap parts, cheap filters or improper maintenance.

We hope you have learned a few valuable things here. Owning a home can be a daunting task when you really start to recognize all the details involved in maintaining it. But even when you don’t know a lot personally about the house or its systems you can always save yourself future problems by having a trusted professional to give advice and to do the actual work needed to maintain things around the house. For the HVAC system there is no substitute for a great company or individual contractor, one with a good reputation in your area. Ask your friends or family members if you aren’t sure which company to choose. And just as this website provides reviews for home warranty companies, you can find great websites that you can trust which have thousands of reviews on HVAC installation and service companies.




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!




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

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

Extended Home Warranty

Before deciding on extended warranty

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

Cost consideration on home warranty

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

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

Importance of extended home warranty

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

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

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




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

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

Sell Your House Faster

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

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

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

How to Compare and Choose the Best ?

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

 

 

You must compare plans based on the categories below.

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

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

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

Other Tips for Improving the marketability of Your Home

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

Kitchen Remodeling

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

The most common reasons people go for kitchen remodeling are :

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

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

Bathroom Remodeling

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

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

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

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

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

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




As a father of small children I’ve spent lots of time fighting in the house cleaning trenches. Many a Saturday and Sunday have been spent reversing the enemy’s advances, the barricades of dirty laundry, the diversions of dirty dishes and the assault on my allergies from dust.

I’ve learned a few things, many of which I think make housework easier and faster to tackle. You may have just as many techniques, or maybe you’re a new recruit in the battle against the mess. If the latter best describes you then suit up and grab your broom. We’re going in!

Make a list

Nothing helps with a big day of work around the house like a good list. If you don’t know what you’re supposed to be doing you’ll probably forget things and maybe even waste time on tasks that should be left for another day. It’s easy to get lost or distracted in a messy house.

How to Clean Your House Faster

Start easy

If you hate doing housework then the hardest thing to do is to start.  It’s best to pick the easy tasks and knock them out first.  Loading the dishwasher might be the task you hate the least.  Or you might think starting a load of clothes in the washing machine is easiest.  Whatever you like to do (or least hate doing) should be put first.

Work smarter, not harder

When you enter a room it’s best to go in prepared to finish it in one trip. You burn valuable energy when you run around the house. Work your way through the house, room by room, taking only what you need to clean each one. Trash bags, dust cloths, disinfectants and cleansers can usually be carried in a small utility bucket. Leave filled trash bags in a hallway or other common area adjoining the rooms you’re cleaning, and save the trash disposal for the end if possible. If you’re worried about trash bags leaking then it’s better to double bag than to make lots of trips back and forth, especially if you have a two or more story house.

Don’t give yourself a headache

If you prefer to or need to use harsh chemicals be sure to avoid inhaling the fumes. Weather permitting, you should open windows and close doors to contain and remove the vapor of chemical cleaners such as bleach, ammonia and others. If you are cleaning surfaces you will be standing on, such as shower floors or bathroom floors, with bleach then it pays to have some old shoes that you can change out of when you leave the room you’ve just cleaned. Tracking bleach around the house can be a disaster.

Be sure to only clean each thing once

If vacuuming is part of your list then ensure the vacuum is not already full of debris from the last time you used it. An empty vacuum bag or canister and a suction opening that is free from obstructions will ensure that you only need to vacuum one time and that the floor will be very clean. When dusting, be sure to use the right cloth for the job. Dusting with paper towels or other cloths that are not suited for dusting will make a bigger mess than you started with. And if you must use a spray cleaner for dusting try spraying it on the cloth rather than on the surface you are dusting. Some surfaces get clean faster and look better in the end if you stick to using a dry dust cloth.

These are general tips, it’s true. But if you combine them with your own specific preferences and tricks you should find that the housework goes by faster and more smoothly. Organization is key. And avoiding making yourself tired or sick is important too. What you want is to find ways to keep the house looking the way you like it without making the labor involved so back breaking that you will avoid doing it at almost any cost.

House keeping is not always an easy task but you can get better at it if you keep yourself well read and informed. More information about how to maintain your home in perfect condition is available on HomeWarrantyReviews.com. You could take a look at it and start applying it to your home! And while you are at it, take a look at 10 most innovative home maintenance smartphone apps.

About the Author

Kevin Wallach is a freelance writer and marketing professional. His focus is on performance based marketing services for the home warranty and home service contract industry.




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.

Am I Required To Have Home Insurance If I Own A Home?

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.

New age policies for American Homeowner

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.

  •  HO-1 & HO-2 – Broad policy that guards against 16 perils that are stated in the policy
  •  HO-3 – Covers the structure against all perils except those specifically excluded by the policy
  •  HO-4 – If you rent or lease your home, you need a renters policy to cover your personal property and liability
  • HO-5 – Premium policy that guards newer, well-maintained homes; it covers against all perils except those specifically excluded by the policy
  •  HO-6 – Insurance for co-ops/condominiums, which includes liability coverage, personal property coverage, and coverage of improvements to the owner’s unit
  • HO-7 – Similar to an HO-3 policy, but for mobile homes
  •  HO-8 – Policy particularly for older homes, with similar coverage to an HO-2 policy. However, it only covers actual cash value. In Florida, many insurers are offering this policy

Comprehending Your Policy

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.

Additional Insurance And Endorsements

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.

Some Popular Endorsements And Extra Policies Include:

  •  Guaranteed Replacement Cost Coverage – A policy that pays to reconstruct your home completely, even if the cost is above your policy limits. You can expect to pay $400 to $1,000 more in premiums each year for this endorsement
  • Inflation Guard – A policy that automatically raises your dwelling coverage limit yearly in proportion to inflation, so that your limits are at least 80% of its value. Incremental premium increases in relation to the limit are often charged when the policy is renewed
  • Personal Umbrella Liability Insurance – A policy that broadly covers assets. It increases your liability coverage above the limits available in any of your “basic” policies, comprising auto, boat, and homeowners insurance. Umbrella coverage can extend to other excluded coverages, such as the invasion of privacy, false arrest, and slander, which can kick in once your primary coverage is exhausted. Premiums for this coverage begin at around $150 to $300 per year for $1 million in coverage, an additional $75 for $2 million, and $50 extra per year for each additional $1 million in coverage
  • Scheduled Personal Property – A policy that covers high-value objects such as stamps, jewelry, coins, antiques, guns, computers, furs, and other items that could go beyond the limits of your homeowner’s policy

Creating Your Home Inventory

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.




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.




October 7, 2014: In what came as a shock to many consumers and industry observers, Certified Warranties Corporation, a relatively new home warranty company, filed for bankruptcy owing to financial difficulties.

The company, headquartered in Oakbrook Terrace, Illinois is a nationwide provider of warranty services, however, due to licensing requirements, the company had recently exited from the states of California and Florida.

On October 3rd, 2014, Certified Warranties Corporation, announced through their official website that the company has filed for bankruptcy as it suffered financial problems. No further details have been provided by the company at the time of this article’s publication.

Certified Warranties Corporation

The company, founded in 2010, quickly acquired customers owing to their affordable plans and timely services. Certified Warranties Corporation had managed to gather a sizeable number of customers during its 4 year stint in the industry. Since most of their reviews were positive, the news of bankruptcy came as a shock to many.

Reasons behind the company’s financial difficulties are unknown as of now. The company has remained unavailable for a statement.

Customer Reviews And Overall Reputation

Logo Certified Warranties Corporation

Certified Warranties Corporation had a good reputation among home warranty customers. The Illinois based company had a host of affordable plans, most of them were offered at zero deductible rates. The company also had a 60 day guarantee on all repairs they performed.

Certified Warranties Corporation was accredited by the Better Business Bureau (BBB) since 2012. The company previously held an A-rating. BBB’s website states that the company met all the necessary standards which made sure that an institution is ready to resolve consumer complaints by taking necessary steps.

The consumer complaints summary for Certified Warranties Corporation on BBB shows that there were zero complaints against the company in the last six months. BBB also states that it knows of no significant government actions ever being taken against the company.

The company enjoyed good ratings on many online review sites. With over a thousand reviews from the company’s customers, Certified Warranties Corporation had a reasonably high rating on HomeWarrantyReviews.com as well.

Customers of the company have reported that while unpleasant incidents were not uncommon, the overall quality of services provided by Certified Warranties Corporation was above average. This only leaves us wondering as to what could have possibly gone wrong with the company in such a short span of time.

A Word To The Customers Of Certified Warranties Corporation

Until further details are revealed by the company, customers are encouraged to exercise caution when trying to place claims or buying plans from anyone who claims to be associated with Certified Warranties Corporation.

Do not discard your copies of the policy booklet or the home service contract. You may need these documents in case you are given an opportunity to recover your money. You can attempt to contact your State’s Dept. of Insurance and inquire about what needs to be done if your state’s laws afford consumers protection against loss of home service contract services without a refund.

Most importantly, make sure that you have coverage for your appliances. Now that you do not have coverage, assess your needs and choose a reputable home warranty company if you decide to go with another company. We suggest that you use reviews and ratings about various home warranty companies providing services in your area, before you choose one. Now more than ever it is important to judge the financial stability and long term sustainability of any company you consider doing business with.




Home Warranty is a service contract that covers expenses related to repairs and replacements of your household systems and appliances. Increasingly, more homeowners are using such service contracts to reduce their repair efforts and replacement expenses.

On our website, we have over 16,000 consumer reviews on Home Warranty companies and their plans. We have organized companies by their service performance, so you can quickly find the best-in-business companies, review their pricing and coverage options and then request a quote.

Looking for Consumer Reports?

Home Warranty Consumer Report
If you want to read consumer reports on U.S. home warranty companies, then you may find it hard to find reliable sources. This is partly due to the small size of the U.S. home appliance warranty industry relative to others such as automobile insurance or health insurance. However, our website provides all the information you will find in a consumer report.

On our website, you will find opinions and experiences of people who actually purchased home warranties. This proves to be very helpful when you want decide which company to go with.

Yet another feature that we have is a tool that helps you research the best companies in the industry. We have company history, plan details, and pricing information all in one place. You can also compare different appliance warranty plans on our site. We also have home warranty companies that cover your local area.

Home Warranty Awards

HomeWarrantyReviews.com also has an annual home warranty awards program that aims towards identifying the best companies in the home appliance warranty industry. Each year, we choose three companies that have exhibited exceptional performance in three different categories. Customer reviews and feedback form the primary basis of evaluation.

About Home Warranty Plans

homewarrantyplans
Technically a “home warranty” in the U.S. is a strictly defined legal document. It is typically given to a buyer of a new home by the builder, though there are other situations where the builder isn’t the one giving the warranty. So when we use the term “home warranty” here we are really referring to a home service contract, often casually referred to by marketers and consumers as a home warranty. A home service contract doesn’t cover the builder’s work or materials. Instead it covers the normal wear and tear on any number of items within or outside a home.

Suppose one of the major appliances you depend on each day suddenly stops working. Without a home warranty you might spend hours choosing a reputable technician and you would pay the full cost out of your own pocket.

On the other hand, if you have a home warranty, you would only need to call the warranty provider. The warranty company would ask some questions about the problem and then check for technicians in their network servicing in your area. They will arrange a qualified and experienced technician to come to your home to carry out the diagnosis and perform the repairs.

You may be required to pay a service call fee (typically around $50). That’s marginal when compared to the expenses incurred during a repair. If your device is so badly damaged that it cannot be repaired, then imagine having to shell out money to buy a brand new appliance. At that point assuming you had chosen a good company, you would feel great about having that home warranty.

Coverage and Pricing

Common questions that arise while considering a home warranty are the coverage, costs, advantages, and drawbacks. Don’t worry! We can give you all the information you need on this site.

The contract paperwork describes the list of appliances that are included in the warranty. Thankfully, there are many companies offering home warranties to U.S. homeowners and so you do have choices. And you can always opt to purchase additional coverage including covering expensive appliances not included in standard coverage.

The article “What does a home warranty cover?” will give you a detailed description about the coverage of standard plans.

Home warranty plans are usually affordable unless you want a coverage that is extensive. Normally, the annual premium is somewhere between $250 to $600.

Claims and Denials

In addition to all that we discussed until now, there’s a lot of other information that you should know. It’s about how claims are denied and how to choose a good company and most importantly how to solve disputes with the company you choose.

Claims denials can happen due to various reasons. Here are some common reasons:

  • Insufficient maintenance issues are usually excluded from coverage, although you can find a handful of companies covering such damages.
  • Damages due to a pre-existing conditions (before the contract came to force) are not usually covered, though again there are exceptions to this.
  • Not all types of damages are covered under warranty plan. Natural calamities, improper usage etc. are typically excluded.

Many times claim denial incidents reported are based on a misunderstanding and lack of knowledge about the plan details.

If a company denies your claim even though you believe that the damage is supposed to be covered, you can do the following.

  • Check the contract and make sure that the damage is indeed covered.
  • Call your company and inform them that you have gone through the policy documents and that the damage is indeed covered.
  • Make sure that you maintain a log of your correspondence with them.
  • Let them know that you will report this problem to online review sites, BBB, small claims court and to the social media.

Chances are high that the company will give in to your repeated calls and requests and get the damage fixed for you assuming there is legitimate cause for doubting their original decision.

If however, that does not happen, you may want to file a lawsuit against them. Remember that these companies usually have their positions well covered legally, so do not proceed with the lawsuit idea unless you are absolutely sure that you have a fair point.

The industry has often been subject to severe criticism from a lot of people. Yet many fail to understand that these negative experiences are often reported due to a lack of understanding between the homeowner and home warranty provider. Hope you enjoyed the article. Cheers!




Purchasing warranty plans for household items has become a common thing these days. Over time, it has become one of the best ways to protect your budget against unexpected repairs and replacements of damaged household devices.

A Home Warranty, sometimes called an Appliance Warranty is a contract that agrees to offer discounted repairs and replacements of the covered devices. They cover damages resulting from wear and tear and hence are ideally suited for houses whose appliances are over 4 years old.

insurance on appliances

Home warranties differ from homeowner’s insurances in the fact that the latter covers damages and losses resulting from natural hazards or crimes while appliance warranty covers damages due to regular wear and tear. You can never replace a homeowner’s insurance with a home warranty. It is generally considered that home warranties are best suited for the following people who –

  • Own appliances that are over 4-5 years old
  • Can’t afford frequent repairs and replacements
  • Do not have a trusted contractor to perform the repairs
  • Have no time for do-it-yourself repairs
  • Are owning a home for the first time

So naturally, they are not suited for people who

  • Own brand new or fairly new devices
  • Can afford expensive repairs and replacements
  • Have a trusted contractor or is a contractor himself
  • Have the time and skill for DIY repairs

There are a lot of home warranty companies offering a range of packages to suit your requirements. So never feel that you have only one option. In fact there are so many options out there that you may want to read a Home warranty buyer’s guide before you make a decision. In general, home warranties are affordable, with the annual premium ranging anywhere between $250 to $1000. The premium usually depends on the amount of coverage you are purchasing.

The advantages of owning a home warranty are many. And also, it is the closest thing you can get to peace of mind when it comes to protecting your budget. Let’s take a look at the pros.

Advantages

  • Being the repair contract that it is, home warranty takes care of repairs and replacements of damages happening to the covered device for a stated period of time. So if your appliances crash during the coverage  period, you will not have to spend much from your pocket.
  • Saves your budget from unexpected expenses due to appliance damages.
  • Almost all the major appliances and systems are covered. Electrical, plumbing, HVAC and wiring in general are included in a standard warranty plan. You can always purchase additional coverage too.
  • Each time an appliance crashes, you simply have to place a call to your service provider. They will send a technician to your doorstep to fix the issue. You have to pay a service call fee each time an issue is raised.
  • Depending on the coverage you purchased, home warranties sometimes even replace your device with a brand new one if the technician pronounces the device unrepairable.
  • Home warranties increase the value of your property at the time of sale as sellers prefer homes that are covered by appliance warranty.

If you have doubts about the devices that are covered and omitted, you can go through What is covered under Home Warranty plans to get a clearer picture. If you are still not sure if you need home warranty or not, we suggest that you read an article on “Do I need home warranty?”, this will certainly give you some guidance.

Working

Home warranty works in a very simple way. An appliance crashes and you call up the warranty company and inform them about the damage. They will ask you to give them all the necessary information like device name, manufacturer’s details, model no, batch no, and other relevant matters.

Once they collect this info, they will call up a service vendor with whom they maintain business ties. The vendor then collects your contact details to talk to you about fixing an appointment. A qualified and experienced technician then comes over to look at your device. If the repairs needed are minor, he will do them right away. However, if major repairs are needed or if parts need to be replaced, the technician waits for the approval of the home warranty company. Parts needed will be procured by the company. You will pay the service call fee to the technician when he comes to your home.

Drawbacks

This is not a free of cost arrangement. In addition to the annual premium, you will be paying a service call fee (around $50) each time you place a claim. Like a coin with two sides, home warranties too have a few drawbacks. Let’s discuss them.

  • Home warranty companies will always try to repair and not replace your damaged device.
  • Home Warranties do not cover pre-existing conditions or damages resulting from lack of maintenance. They also do not cover damages occurring due to crimes or natural hazards, that is the job of Homeowner’s insurance.
  • The technician sent over to your house will decide the extent and nature of your damage. The Home Warranty company will consider his word and not yours when it comes to determining the action to be taken up. If you have disagreements on this, contact the customer service operative of the company.
  • Claims can often be denied on unclear grounds and by stating tiny clauses from the contract which are often overlooked by customers. Ensure that you read the policy booklet and contract carefully to avoid any misunderstandings.
  • You cannot raise multiple issues in a single claim.

The bottom-line

Home warranties are indeed a great way to insure your household devices. It protects your budget too. It is necessary that you make a wise decision regarding the choice of company and warranty plan so that you make the best out of the deal. The policy booklet and the contract are vital documents and they must, without fail, be studied and preserved carefully.

You can go through reviews about various companies and their plans on our website to compare and choose the best.




HomeWarrantyReviews.com stands by its commitment to help users buy home warranties intelligently. And here’s some breaking news that we believe we’re the first to report on Delta Home Protect-

The Arizona Department of Insurance has received one or more complaints from Arizona consumers regarding Delta Home Protect. Thus, the Department of Insurance is investigating the matter.

Delta Home Protect (DHP) is headquartered in Atlanta, Georgia. The company claims to be licensed in 45 states in the USA. Furthermore, the company claims to offer its service programs providing timely and professional assistance to its customers in the time of need and that they work diligently with numerous licensed and certified contractors to ensure peace of mind as they understand the importance of customer satisfaction.

delta home protect not licensed in arizona

However, HomeWarrantyReviews.Com has an insider scoop from the Arizona Department of Insurance which strongly advises all of the consumers of the state of Arizona to exercise extreme caution while doing any financial transactions related to home warranties with DHP.

HomeWarrantyReviews.Com encourages our readers to report any solicitation from an unlicensed home service contract company to the regulatory agency covering such contracts in their respective states. Being proactive will not only help our readers avoid disreputable companies but also help state’s regulators catch unlicensed companies faster. Doing this will help other homeowners, home buyers, realtors, and service repairman by bringing greater awareness about such pressing issues like unlicensed home service contract companies.

In this regard, it is good to skim through our list of home warranty companies which are out of business already. We maintain this list of closed companies in order to help our readers avoid being conned by companies that do not follow the rules. We welcome your feedback, including questions. Readers who need help will be contacted if an email address is provided or addressed here on the site in a comment if no email address is given.




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.




Are there scams in the home warranty industry?

When you look at the words most often used in emotional complaints about home warranty companies you may find that “scam” is a very common term. But if you look very closely at the home warranty industry it’s hard to find evidence of a scam rooted in the established home warranty companies.

Home Warranty Scams

Though home owners are not always happy with the speed or manner of the response to their claims it takes more than just complaints to make a true scam. So are there no scams in the home warranty industry? My personal opinion is that there are plenty of scams and if you look back you’ll find plenty more in the past. Does that make the home warranty industry unique? I definitely don’t believe so. Auto insurance, health insurance, home building, government, religion – you name it, there have been scandals and grounds to throw words like scam around. Home warranty is not unique in that it has unhappy customers. Show me an industry without unhappy customers and I’ll be the first to change careers. But like I mentioned before, home warranty customers have been victimized and are probably being victimized even today.

Spotting the scams and the companies that are not operating with the best interests of their customers in mind is the very first priority. This is where home owners and legitimate home warranty companies can work together. Real estate agents, home repair contractors, home inspectors, and many other professional and customer advocacy groups can also help to point out the signs that home warranty companies are not doing what is right for their customers.

 

How do you spot home warranty companies that may be scamming customers?

How can home owners identify home warranty companies that are likely to be scams or just not be doing what is right in terms of their commitments to customers? There are a few basic approaches to getting a good read on a home warranty company and all of them involve some time spent doing home work. What this comes down to really is customers taking their time and not making impulse purchases of home warranty contracts. And during that period of finding out about a home warranty company here are some things home owners would be wise to look out for:

  • Is the home warranty company well established? This one is important. Many home warranty companies that fail to take care of their commitments due to greed or negligent management practices still cannot be labeled scams. But like the companies that are intentionally misleading customers, the ones that do a bad job with customer service or mismanage the company’s assets tend to wind up being fly-by-night companies. If a company hasn’t been around long then home owners should be extra cautious.
  • Are people you know talking about the company? If you ask everyone you know about a home warranty company and nobody can tell you a thing about them then, again extra caution is wise. Keep in mind that hearing about other people you know signing up for a home warranty doesn’t necessarily mean a company will be good to deal with as a customer. Until you file a claim you don’t really know what you’ve gotten yourself into.
  • Do your state government’s insurance regulatory authorities or other public offices know anything about the home warranty company? Some states have rules for home warranty companies while others do not. If you live in a state that has no regulations, licensing requirements, or other rules for home warranty companies then you should tread very carefully. If you choose a home warranty company that fails to deliver on its promises your state may have little or no recourse available for you. If your state licenses or otherwise sets limits on home warranty companies don’t sign or buy anything until you know where the home warranty company stands with your state’s regulatory entity. And ask about complaints. Some officials can tell you if there have been complaints filed with their office or other offices against the home warranty company you are inquiring about.
  • Find out more about the company in terms of physical location and ownership. As mentioned earlier in this article, there are sometimes signals that a home warranty company isn’t legitimate. The harder it is to find out about the ownership and location of a company the more cautious a home owner should be about doing business with it.

 

What sorts of home warranty scams should you watch out for?

It’s difficult to predict what sort of stunt criminals will pull tomorrow but in terms of what scams I’ve heard of up to now, here are a few. The names may be funny but the financial losses and wasted time on the parts of the jilted customers is nothing to smile about.

 

“The Emperor’s New Clothes”

This one involves a company that isn’t a company at all. It has none of the financial depth that is required to cover the costs of handling repairs and replacements when home warranty customers file claims. In fact these companies rarely have a real office and follow the same pattern almost every time. They deny all the claims they can, approve the ones they can’t but then don’t pay anyone for the work performed, and then when frustrated customers cancel they promise refunds which they also fail to pay.

 

“The Ponzi Scheme”

These companies oftentimes pay their contractors and approve returns but do so in such a way as to gradually put the company further and further behind on various debts. While they do this they use positive customer reviews to attract more customers and also spend a great deal on advertising in some cases. By the time they become fat with customers and reach their peak they’ve already bankrupted the company through poor management. The customers who are holding new home warranty contracts the day the company finally sneaks out its back doors and turns off the phones are the ones who get hit the hardest. Sometimes this type of scam leaves a long-term trail of customers who don’t find out their contract is worthless until they attempt to contact their home warranty company’s customer service center. This grab-the-cash-and-dash routine has burned many, many home owners over the years.

 

“The Disguise”

Some people who found bad home warranty companies get away with their misdeeds or only receive a slap on the hand that holds the checkbook. They then go on to start other home warranty companies using new company names and sometimes using different people as the officers or owners of the company. By disguising themselves they evade the public scrutiny that would otherwise stop their scams cold. Home owners caught up in the web of these characters can count on denied claims, shoddy work, unpaid contractors pursuing the home owner for debts the home warranty company owes payment for, and many other unpleasant circumstances.

 

What can home owners do if they suspect they are dealing with a fraud that is posing as a home warranty company?

For the sake of other consumers, friends, and the home warranty industry where companies work diligently to satisfy their customers, any home owner who feels that a claim was handled unfairly or that there are signs of misconduct on the part of their home warranty company should not remain silent. All too often home warranty companies give the overall industry a bad name with their poor handling of claims, contractor relations, or other important areas of their businesses. And in the case of true scams, more often than not, the people behind the scams only get away with what they do because it takes so long for anyone in a position to stop them to realize what is happening. As consumers realize their options to use government offices, social media, and word of mouth to sound the alarm about bad home warranty companies it will become more and more difficult for new scams to find victims.

 

This is a guest article written by Kevin Wallach. As owner and writer at HomeWarrantyWiz.com Kevin spends a great deal of time collecting information to help his readers better understand home warranty plans. Though home warranty is not the most popular topic online, it does mean a lot to home owners who need help with questions about it.

 




2-10 Home Buyers Warranty is in the process of launching Green Advantage Warranty as part of protection assurance programs for new and upcoming green building initiatives.

Green Advantage Warranty

The 2-10 home appliance warranty company offers Green Advantage Warranty to builders who meet eco-friendly standards. Builders need to build homes that fulfill the requisites of Energy Star, National Green Building Standard (NGBS), or Leadership in Energy and Environmental Design (LEED) standards.

Green Advantage Warranty includes repairs and replacement of Energy Star certified products and appliances. Coverage includes the replacement of green labeled items, engineered wood products, sustainably harvest lumber, low or no emission finishes and recycled products with accordance of applicable national certification standard.

Scott Cromie, Chairman and Chief Executive officer states that “With one in four homes now certified by green building standards, it is clear that home buyers want a more eco-friendly home, and that offering warranty protection that targets these values offers builders a clear competitive edge,” and also reports “Our new Green Advantage Warranty represents 2-10 Home Buyers’s Warranty commitment to greener business practices, and celebrates the home builders and home buyers who want a greener home and lifestyle. We’re proud to offer a product that meets these standards, while continuing to provide the same leading, trusted protection our company stands behind.”

Builders interested in participating are encouraged to call 877.777.1344 for more information. You can register to 2-10 HBW Green Advantage Warranty, just by adding up a minimal additional fee over the existing standard rate. It is as simple as checking a box next to the certification standard on 2-10 HBW’s Home Enrollment Application.

Green Advantage Warranty is an added policy to the company’s existing home warranty package, including one, two and ten years of coverage offering for new construction home builders. Company’s 10 years warranty covers structural warranty defect. Under the policy of 1-2-10 warranty one year of surety coverage of workmanship and materials. Two years of warranty also covers on systems.

About the company

2-10 Home Buyers Warranty® is in market for more than 30 years, now the company has offered customers and their homeowners the most comprehensive warranty program available. Whether you’re building, selling or buying a home, 2-10 Home Buyers Warranty offers a complete line of warranty, service contracts and risk management products. Since 1980, 2-10 Home Buyers Warranty has provided warranties and service contracts for more than 5.5 million new and pre-owned homes.




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




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

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

Pick The Best Real Estate Agent

How To Pick The Best Real Estate Agent

 

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

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

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

#1. Credentials

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

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

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

#2. License

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

#3. Tenure In The Business

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

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

#4. Listings

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

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

#5. References

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

Do Your Research

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

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




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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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!

Home Warranty Companies In New Jersey

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!

1. American Home Shield

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.

2. Home Service Club

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.

3. Select Home Warranty

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.

4. HSA Home Warranty

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.

5. Choice Home Warranty

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.

The Bottom Line

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!