Health Benefits Of Gardening

Consider this: it’s a lazy Sunday and you haven’t worked out all week, your stress levels are high. And the doctor says you need to get going and get some physical exercise into your daily routine. You have considered your options – hitting the gym, joining that community swimming pool, going for those morning runs that everyone’s been vouching for – but it hasn’t worked out yet and nothing seems to click. Here’s your answer: start gardening.

Health benefits and peace of mind from Gardening and home warranty

A chance to not only get some quality time with nature but calm your nerves, work your muscles and burn a few calories as well? Gardening just an hour a day is proven to have far reaching impacts on your life. Especially if your day comprises of concrete jungles, desk jobs and skyrocketing stress levels.

Gardening boosts your metabolism and we have studies to prove it!

Research conducted by the Pennsylvania University of Scranton a decade ago showed clear results in favor of gardening as a way to stay fit. This proves that extended amounts of time spent partaking in light physical exertion is a much more effective way of burning calories than bouts of cardio and gym sessions.     

Another study conducted in Michigan State showed that even a mere ten percent increase in greenery in the immediate environment of an individual resulted in a drastic drop of health issues – from lifestyle illnesses to even depression and mental health. 

Getting Your Hands Dirty

The key to a good workout is duration, not just intensity.

It’s not just about burning calories and toning muscles – a consistent routine of balanced physical activity can have an impact on heart functioning, blood pressure, stroke, diabetes, obesity and its side effects, and even premature death. How does this work? Gardening ranges from low to medium intensity, but the constant monitoring of the garden and the level of involvement is never limited to just a single workout cycle; automatically weaving it into your daily routine and making it a habit!

Squats, weights, cardio and sweating it out, all in one.

With the majority of our daily activities involving the maximum use of our arms – and even that not usually in ways good for our bodies – gardening can incorporate the metered use of muscles like hamstrings without adding undue stress to them. Countering the effects that hours of typing on a keyboard or driving a car can have on your back, shoulder, and neck, getting down on all fours and getting your hands dirty can be therapeutic and stretch every muscle in your body all at once.  

Organic vegetables, herbs, and seasoning, all right at home.

Another perk to introducing gardening into your lifestyle is eating what you grow. Directly linked to better diets, organic production of food right at home or within a community can encourage you to follow a diet with nutrition as a priority and simultaneously assure the quality of produce.

Having a hard time getting your children to eat their spinach and peas? Give gardening a shot, working it into their play time as a fun way to grow their own lunches and dinners – who wouldn’t want to proudly eat a tomato picked right from their own backyard!

Anybody can do it!

Ranging from organic farming in the backyard of your country home to just a few potted herbs on the kitchen windowsill, depending on your space constraints, the time you have to spare and your physical capabilities, you can choose the kind of gardening that suits you best.

One for all and all for one

Living in an apartment building which doesn’t allow you space to garden? Community plots are the answer to the space crunch any urban dweller faces today. A great way to catch up with neighbors and blow off steam, all while tilling, weeding and celebrating the earth, community plots give you a chance to delegate and divide responsibilities as well – saving you the worry of who will tend to your precious daisies, trim the hydrangeas and ward off pests from the squash and melons while you’re out on a business trip.

Sky high stress levels and an increase in lifestyles illness in the past couple of decades is evidence enough for the need to go back to our instincts of nature and nurture, and the benefits of gardening seep into areas besides immediate physical well-being.

Nature, nurture, and responsibility.

An equalizer not bound by any hierarchy, gardening is often used as a form of therapy to boost self-esteem as well as inculcate responsibility and appreciation. Giving our nurture gene a space to grow, just the act of giving back can have a tremendous impact on our stress levels and anxiety. Time spent watching each seed sprout and saplings flourish and flower, gardening is a gentle reminder that we humans are not the center of the universe.

Happy hormones!

What is good for the body is also good for the mind.  Exercise, whatever the intensity may be, has a direct impact on not only adrenaline levels but on levels of serotonin and dopamine as well. Both hormones that play a role in fighting depression, the time spent tending to each root and bud isn’t just uplifting in spirit, it literally translates into happy hormones.

Home Warranty For Gardening Buffs

Be it an apartment, a duplex with a yard all to yourself, community plots or a country house, the joy of having a garden can come with an added expense and hassle of maintaining tools and machinery, worrying about seepage and waterproofing and even the occasional crack or two when it comes to deep-rooted plants and creepers.

Don’t let the stress of maintenance come in the way of your quality time with your garden – let the happy hormones flow and pass on the responsibility of care for the home to home warranty companies.

Giving you a chance to delegate home and domestic appliance maintenance to a professional, home warranty saves you the effort of having to rummage through websites and newspaper advertisements for service agents and repair contractors. Providing full coverage of repair, servicing and replacements costs, Home warranty is all about planning ahead. HomeWarrantyReviews.com brings to you a comprehensive list of companies to choose from – giving you access to pros and cons, detailed reviews, do’s and don’ts when it comes to warranty and insurance and even a free Home Maintenance Calculator to get on the spot estimates.

Finding the right match for your Home Warranty needs is of utmost importance; just like every insurance coverage plan is tailor-made for different budgets, levels of involvement, age and usage intensity, Home Warranty has its own set of criteria. Research is key, and the best place to start with is the Awards and Reviews section of consumer research based sites. From categorized awards ranging from service, top rated and regional service, HomeWarrantyReviews.com uses consumer review rates of credibility, retention, satisfaction, online presence, and consumer issue resolution to judge companies that provide nationwide Home Warranty coverage, offering all-round information to customers. What’s more, the companies are divided according to a region as well, accounting for state law differences and tweaks in the coverage plans in various geographical pockets.

Stress, anxiety and an ever-growing list of errands are a part of everyone’s daily routines, why add home repairs and maintenance to the mix? Give yourself the peace of mind to tend to your herbs, flowers, and ferns without the worry of repercussions, after all, what is the point of canceling out the mental health perks of gardening by worrying about broken lawn mowers?!






If you want your appliances to function in top condition, you must take care of them. This will help you save money on repair charges in the future. Here are a few maintenance tips that will help you take good care of you appliances:

Appliance Maintenance Tips

Let’s take a look at some basic yet important maintenance tips for keeping major appliances and systems in good condition.

1. RefrigeratorHome Appliances Maintenance

  • Cleaning is recommended every 6-12 months. Clean the condenser coil of your refrigerator on a regular basis.
  • Freezers should be located away from streaming sunlight or heat sources. Otherwise, they work much harder than necessary. Removing interior ice build-up improves airflow and helps to maintain proper freezer temperature.
  • Ensure that door seals are airtight
  • Always set the interior temperature to around 40° F

Follow the above steps and your refrigerator’s efficiency may increase by 30%! Want  more tips? You can read our Refrigerator Maintenance Guide for some cool information.

Washing machine2. Washing Machine

  • Check the connections where hoses meet faucets for both cold and hot water to ensure that they are not showing signs of leaking. Also check the drain line to ensure that leaks or overflow are not occurring.
  • Check hoses and screens for buildup.
  • Don’t overload the washing machine. If the machine is packed with clothes, it will need more energy to move them around. This means added strain on the washer’s motor, transmission, belts, and other parts.
  • Do not under-load the machine. Small loads can lead to off-balance cycles, which put a strain on the drive components.

Dishwasher

3. Dishwasher

  • Always set dishwasher’s multiple settings to save water.
  • Set the water heater to 120°F.
  • Use the ‘overnight-dry’ feature whenever possible.
  • You should inspect the condition of the door seal periodically and keep it clean. When water or dirt builds up on the seal, it can cause mold growth.
  • When loading your dishwasher, be careful to not damage the racks. Dishwasher racks are typically very expensive and often rival to the cost of a new appliance.

For more information, read dishwasher maintenance and repair guide.

oven4. Oven

    • Clean your range top often.
    • A gas oven with a solid ventilation system is the most energy-efficient choice.
    • Self-cleaning ovens use a lot of energy but are better insulated than other models.

 

  • Follow few basic checks before you call your home warranty people for service

5. Clothes Dryerdryer

  • Avoid overloading. When a dryer is overloaded, it puts a strain on the belt that turns the drum and that can lead to repair
  • Check exterior portion of the exhaust system to ensure that it is not clogged
  • Restricted air flow can tax the motor, but keeping the lint filter and the area below it clean, keeps the dryer operating more efficiently.
  • Clean out the lint filter before every load.
  • Every three months, use detergent to remove the chemical residues that can cling to the lint filter and restrict airflow.
  • Once a month, look at the dryer exhaust duct for crimps and obstructions.
  • Every year, remove and clean out the entire exhaust duct line from the dryer to the outside.
  • Reduce fire hazards by replacing vinyl with something else for flooring.

Troubleshooting Appliances

1. Washing machine: Washer Mold, Washer Vibration and Bubbles in Washing machine

final

  • WASHER MOLD

    – Any washer can develop mold if the lid is kept closed always, trapping moisture within. But more serious issues have been reported regarding mold in frontload washers, especially high efficiency (HE) washers. There are ways to reduce the risk of washer mold, but even with the best of care, some frontload washers tend to have mold issues. This can become a very serious health issue that requires constant attention to minimize the effects on the family. The mold is usually black – the worst kind and sadly it is usually a recurring problem that requires proactive care.

  • WASHER VIBRATION

    – When a washer vibrates and starts gyrating out of place, there’s an imbalance problem which could be due to the wash load, but it could also signal a problem with the laundry room floor.  An imbalanced wash load is easy to fix, just cancel or pause the cycle and redistribute the load. At the most, you may have to add a large towel or two to help balance the wash and resume the wash cycle.

  • BUBBLES IN AN HE WASHER

    – If you’re using a High Efficiency (HE) washer, but inadvertently used the wrong detergent (regular), you may have soap bubbles that are trying to escape from the washer. Turn off the washer and proceed to a rinse and spin, which may need to be repeated to clear out the high volume of suds. HE detergent is a low siding formula which is recommended for high efficiency washers.

2. Humidifiers & Home Moisture: Water Droplets on Windows, Mold

  • WATER DROPLETS

    – Water droplets or steamy interior windows are usually an indication of excessive moisture. This could simply be caused by a large pot boiling on the stove, but it could signal another problem. It can be caused by a humidifier which is over humidifying the room – not being properly sized for that area or is running on High, where Low would be sufficient. Either way, it’s giving off way too much moisture. You can easily correct that by turning it down or moving the humidifier to a larger area of the house.

  • MOLD

    – Mold in the high corners of a bathroom usually signals that you need a fan in that areas which exhaust the bath/shower steam to the exterior of the home. Mold can be difficult to remove and will often recur prompting another home repair.

NOTE: The above troubleshooting tips are of advisory nature only. If your appliance isn’t working properly and you are not comfortable attempting any of the following, you may contact your local home warranty company and they can surely refer you to a qualified service contractor. If you don’t have a home warranty, contact a local technician at the earliest to get your appliance fixed.

Performing these small tasks in your regular cleaning and maintenance routine will reduce operation costs and may even eliminate the need for professional repairs. When you take great care of your appliances and further safeguard them with a home appliance warranty, you’ll be able to extend the life of your home appliances and count on them to last for many years to come.




Home appliance protection plans are getting popular these days among homeowners. Such home warranty plans cover appliance repair costs and help homeowners with maintenance and repair services.

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

Home warranty plan is a contract to insure the appliances in case of breakdowns to cover-up the repairs or replacement.

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

Home protection plan relieves you from unwanted stress and buys you peace of mind by providing the confidence that any repairs and replacement of your insured appliance will be taken care of by qualified service providers.

How does a home protection plan work?

In case any of your insured appliances break down, first step is to place a service request by simply calling up your insurance company. Once the request is confirmed the same is sent out to schedule an appointment. Only the service fee will be collected to determine the problem and sort-out the issue.

Are all the appliances in the house covered in the warranty plan?

Only the products listed in the insurance contract will be taken care of by the Home protection plan. Generally all major appliances  like refrigerator, washer/dryer, bathtub, plumbing systems, electrical systems, ceiling fans, water heaters and garage door opener are covered in the insurance plan. If it is determined that your insured item cannot be repaired by a service contractor, then it will surely be replaced.

Before deciding on home warranty plans and policies:

There are lots of home protection plans available in the market today. But it is not really hard to find which plan suits your requirements best, besides you just need to do some basic groundwork before deciding-

  • First you need to find out what your entire plan should cover
  • How much do you prefer to invest on the warranty plan?
  • Find a suitable home warranty company that offers the kind of plan you are looking for at a particular price to invest on.
  • Go through the policy booklet and fine print of the company contracts
  • Do check whether the policy has any pre-existing condition exclusions and if so what those conditions are
  • Does the company add up any additional fee on repair or service charges?
  • Will the appliance be replaced or repaired? Will they replace items with new or used items?
  • Check company’s response time obligations. Generally it is within 24 to 48 hours for non-emergency repairs.

These are all the questions that you need to find the answers to before purchasing a home warranty policy.  Some company policies cover only certain appliances while few are expensive. You need to be clear on all these issues.

Once you are certain about which plan suits your needs, compare the policy premiums and ensure the coverage plan. Finally, make sure the home warranty  company is available 24 hours a day, 7 days a week, including weekends and holidays, so they are there when you need assistance. You can find such companies in our home warranty company directory. A home warranty company should have a toll-free number so it doesn’t cost money to call. Ensure that the customer support is available on easy track so that it helps in fast communication and service. Sign up with a company that has all the above mentioned facilities.

Planning to buy a Home Warranty policy? Watch this video –

 




In a quite short period of time, home protection plan have grown considerably in recognition. Today, the plans are almost standard in every city real estate transactions, where 8 of every 10 homes sales are covered. Homeownership can be one of life’s many pleasures, but it’s not always cheap. Most likely the last thing a homebuyer wants to do after closing on their new home is to shell out even more money on appliances or systems that unpredictably break or malfunction. It’s a usual part of being a homeowner, though, and procuring a home warranty protection plan is one way you can attain some peace of mind.

When your appliance breaks down, don’t worry about whom to call to fix it, or what it will cost. There are various options by which you can protect your budget from pricey emergency repairs.

  1. Home Warranties
  2. Extended warranties on expensive appliances
  3. Appliance Service Contracts
  4. Service contract for specific items such as HVAC
  5. Hire a pro when something breaks down

Want to know how home warranty works? Watch this video –

Home Warranties

Home Protection Plan

Home warranty plans, also called home protection plans, are basically service contracts or insurance policies that cover major appliances and systems of a home. It’s a good idea if you are a first time home buyer without any understanding in maintaining a home or property. Homeowners insurance does not cover breakdown of a home’s major systems or appliances, but a home warranty protection plan can help with repair expenses such as refrigerator that stops running, or your air conditioning system breaks down in the middle of the night.

When a breakdown happens that involves a system covered by the home warranty plan, the homeowner calls the insurance firm and desires a service call. The cost of the service call, which ranges from $35 to $95 per visit based on your location, is salaried by the owner. The warranty company allots the call to an approved contractor, and the home protection company shells out for the system repair or replacement.

What parts of a home are covered by a Home Warranty?

Home warranties naturally cover the mechanical systems of a home such as heating, plumbing, water heater and most built-in appliances. Structural components and pre-existing conditions are usually are not covered. For instance, if the water heater hasn’t worked properly for some time, it possibly that it won’t be covered in the buyer’s home warranty plan. Other items which are typically not covered include faucet repairs, sprinklers and permit fees. Some home warranty cover roof repairs and garage door openers with certain limits.

Another common problem with home warranties is that you will not be able to decide the repair provider that will care of your problem while the warranty is in effect. Normally, if a covered item breaks down, you will put notify your home warranty company, which will select a service provider with which it has an agreement.

Additional coverage is accessible under most home warranties at an extra charge for a spa, pool, air conditioning and freestanding appliances, such as washer, refrigerator and dryer.

Coverage usually runs for a year, but it may be extended at the owner’s choice for a renewal fee. Some people keep their home warranty policy in position for years and years. If the home protection plan is ordered at the time a home is bought, inspections are normally not required.

If you don’t want to have to be anxious about repairs in your first year of home ownership, a home warranty may be a good idea. However, it is imperative to weigh up your warranty, to ensure that you will be properly covered.

Know the basics of home warranty.

Extended Warranties Protect Appliances from Expensive Breakdowns

Extended warranties, by providing protection for pricey purchases and increasing the span of a product’s original warranty, have become the standard for many retailers. These warranties often appeal to economical consumers, for whom purchasing big-ticket items like appliances and electronics can be a challenging decision.

An extended warranty or service contract is like an insurance policy – your savings buys off only when the most evil happens. But do you actually want one? These days, almost all the brand – name appliances are sturdily – built and generally last their usual life span with few or no repairs, rendering extended warranties pointless. In case you do choose to get one, ensure that you do your homework.

Buying Extended Warranties on Appliances

Are Extended Warranties For Expensive Appliances Worth It?

There might be instances where an extended warranty is affordably priced and makes up for a limited warranty that covers little ground and has short period of time, and thus, is worth it. But too often, they are a waste of money. Before you purchase an extended warranty, ask yourself the following questions:

  • What are the odds that this appliance will break down in X amount of years,
  • What will the price of a replacement or repairs to this appliance be in X amount of years?

You frequently forget that while your product may certainly break down later on, the price of the product will also depreciate later on. Only when the forecasted cost of replacement or repairs become considerably greater than the present cost of the extended warranty, should one consider buying the extended warranty. And still, a warranty must only be thought out if there is also a significant chance that the appliance will stop working in the first place!

Certainly, warranties are significant and you must always ensure that when you buy pricey appliances – like clothes dryer for example – that it has a warranty to follow with it. But if a salesperson is attempting to get you to buy an additional extended warranty, be doubtful. Think about sales and advertising. There is always an income motive and retailers and merchandisers can regularly make money off consumers when they purchase extended warranties than when they buy replacement products or pay for repairs! This is why third party companies and retail stores provide extended warranties, not the manufacturers.

Think about sales and advertising. There is always a profit motive and retailers and merchandisers can often make more money off of consumers when they buy extended warranties than when they buy replacement products or pay for repairs! This is why retail stores and third-party companies offer extended warranties, not the manufacturers themselves.

The moral of the story is that you must do a little math and significant thinking prior to buying an extended warranty. Possibly it will be a wise purchase, and may be the money will be better used up toward other services or products.

 

Appliance Service Contracts

Appliance Repair Professional

Don’t lose your cool over unforeseen home repairs; call the experts for a home service contract. One such company that provides Service Contract is Service America. Never again will you have to worry yourself with the hassle and high cost of unforeseen repairs.

Service America is protecting its customers from unpredicted air conditioning, appliance and plumbing repairs for over 38 years saving them a ton of money, time and unnecessary frustration. When something breaks down at home, it becomes necessary for you to rush and find the right technician to fix the problem. Many times it’s an urgent situation and you don’t have the comfort of shopping around for the best price. But you can avoid these types of stressful circumstances, save money and experience peace of mind at the same time by buying a Service Contract.

A Service America Service Contract covers all these appliances and services for just one low yearly cost.

Quoting and buying a service contract takes a few minutes but expectantly you will find it effortless. In order to obtain the best possible coverage you need to give basic information about your home.

 

Service Contract for Specific Items such as HVAC

HVAC-Fort-Lauderdale

In the heating, ventilation, and air conditioning (HVAC) industry, equipment servicing is generally headed by the issuance of HVAC service contracts. The key purpose of this is to describe the terms of service as well as the cost, the length of service and what requires to be done, and each package of contracts is exclusive to each type of service. These service contracts incorporate full-coverage, full-labor, preventative-maintenance, inspection contracts, and end-use contracts.

All of these HVAC service contracts cover the tasks of each party, material cost, wages and how to decide arguments with a complete document. The equipment, procedures, tasks, unique descriptions and reports on the precise work to be done ought to be covered as well. Every contract also sketches processes and details the responsibilities of the contractor and owner. Regardless of which contract is signed, there can be several contracts put into practice for the same parties at any given time.

 

 

Hire a Pro When Something Breaks Down

Appliances are a vital component of a well running home, as they are utilized every day. When they stop working, an appliance repair professional is able to restore the item to full working order. Along with repairs, professionals will regularly service your appliances to make sure that they run as safely and efficiently as possible.

Appliance repair professionals can render the following services amongst others:

  • Parts and labor warranty
  • Supply and installation
  • Emergency services
  • Service or repair several brands of appliances
  • Safety checks

While hiring your appliance repair professional, make sure that you get a quote on the work that needs to be performed. Ensure that the quote incorporates the call out fee and the cost of any parts that must be replaced. The professional must also be ready to give assurance of their work for a certain period of time. It’s good idea to investigate several repair pros in your area and pick the one that offers experienced technicians, reasonable prices, and good customer service. Always make sure that the professional is insured and licensed.




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.




A place to make countless memories in and call your own, if you’re in the market for a new home then you sure know what a task it can be to research, hunt and narrow down to just the right space. From the way the homes you walk into make you feel to the technical details – the plumbing, storage units, materials used and more – the entire process can not only be exhausting but can also take weeks, if not months for home inspection. While the gut feeling is all yours to trust, there is a simple way to get help when it comes to ironing out the value of a space, the cost you will have to add as overhead once you buy it, what to consider and functional tips and points to focus on when you remodel.

Home-warranty-home-inspection

A home inspection is a simple step recommended for aspiring homeowners, a step that comes right after you narrow down on your dream home and just before you sign the papers. We all know never to judge a book by its cover, but the trick here is to find the right people to judge the inside and estimate its condition.

Most often home inspection is a part of all well drafted real estate deals, including a system within which the price and repairs can be renegotiated after the inspection, saving you both time and energy.

Who To Hire For Home Inspection?

Just like any other professional, hiring a home inspector can be a lot easier if you know the right questions to ask.

Just Home Inspection, Nothing More

More often than not, home buyers tend to rely on their contractors for inspections as well, frequently creating a conflict of interest. Raising questions about the authenticity and real need for the repairs that the contractor has pointed out can create unnecessary tension, making it a lot easier if you kept both separate.  

Insurance, Sample Report And Pricing

Of the three aspects to be clarified before hiring an inspector, the first stands to be one that is very often overlooked. Being a profession that has its if’s and but’s when it comes to safety, the responsibility of being cautious and secure during the inspection should be the agencies alone. Be it insurance to assure that any accidents do not come back onto you or the required gear for the procedure, make sure you are free from any legal complications from the first step itself.

In order to understand more clearly what you are getting your money’s worth, and how much you will be actually be spending on this process, start by getting estimates as well as sample reports from three to four consultants or companies. Proceed to judge the inspectors based on how comprehensive their sample report is, and to what extent the price justifies the service they are providing – making an informed decision definitely makes a difference!

References And Specific Expertise

While companies and agencies of repute do exist, if you’re looking to hire an individual consultant then it’s a good idea to get in touch with them through word of mouth or check out their references beforehand. Even when it comes to a company, go through online reviews to get a better idea of who you are hiring.

A general home inspection is quite standard, paying attention to the structural elements of the building as well as to smaller details such as appliances inside and outdoor wear and tear due to weather. Depending on the age, architectural style, materials and problem areas of the home, it may help for you to hire an inspector with a more particular area of expertise.

Being Present

Being a part of the inspection process is essential, and hiring an inspector who does not keep you in the loop is never smart. From getting acquainted with space through the eyes of the professional to firsthand explanations and insight into what is substandard and why, tagging along will give you the chance to clarify any inhibitions you have with space, to begin with.

What All It Includes

Broadly speaking, a home inspector should thoroughly look through all structural aspects of the building and foundation – aspects such as the roof and walls for seepage or termites, possible shifts in the flooring, insulation, age and condition of woodwork and plumbing, the functionality and safety of the electrical system, cooling system etc. Indoor appliances can be a part of the inspection as well, assuming they come with the home.

Specific to each of these issues, the inspector would look at and categorize the defects into –

  1. Safety issues and hazards, minor or major defects and long-term impact if the repair is postponed.
  2. Structural elements, wiring or other items that can be serviced or repaired by contractors and professionals, and those that need to be replaced altogether.
  3. Aspects that are okay to be left as is for now but may need to be re-evaluated in a few years.

Post the inspection – that usually lasts a few hours – the inspector will submit a comprehensive report to you, giving you the highs and lows of the property and maybe even tips on how to maintain the home and retain its condition for longevity and resale in the future.

For Buyers And Sellers Alike

Hiring a home inspector isn’t just for home buyers! The task of putting a home on the market and actually making a sale can be just as daunting as buying one and making it a home, and just as inspection puts the buyer’s mind at ease, it also helps assess the value of the property and gives you the upper hand.

Buyers

Making you confident, well informed of the value and aware of the possible issues within the purchase of the property, home inspection empowers the buyer to have control over their decisions and know what they are getting into. Being an investment of significant sums of money, an inspector’s expertise can be highly beneficial, impartial and yet of appropriate judgment – giving you just the professional intervention you need before taking the leap.

Though home inspection minimizes the possibility of disagreeable surprises regarding repairs and replacements after the home is purchased, it’s not all about the negatives. Alongside what requires attention, an inspector also brings to your notice the crowning jewels of your property and how they can be maintained in mint condition.

Sellers

A quick and economical way to give you the upper hand and have you one step ahead of the questions the buyers and real estate agents will harrow you with, a home inspection from a seller’s point of view can be just as beneficial as that from buyers.

Giving you the chance to know the true value of your home, tidy up areas that are not in the best condition and even repair certain aspects that may exponentially boost the monetary value as well as the salability of the property. Just as a buyer would not want any surprise repair needs after the deal is finalized, it is preferable for the seller to have a clear idea of the pros and cons of the property so as to assure that a deal that seems otherwise perfect doesn’t fall through at the last minute because of setbacks. Being honest about the condition of the property can be a negotiating tactic of its own, giving the buyer a clear picture and allowing for a smooth mediation between both parties. Legally speaking, the inspection can be drawn into the clause itself, exonerating the seller from any further responsibility for the condition of the home as well as assuring that no lawsuits can be filed, considering all the necessary information was disclosed prior to the deal being finalized.

DIY – Be Your Own Home Inspector

Still looking to be your own inspector and have a go at your own property or want to give your new home a good poke before letting in the professional? There are a few things to keep in mind, for your safety and the success of the enterprise itself.

Getting Ready For Home Inspection

Before you get started, make sure you are dressed right for the task – gloves, covered shoes, a mask for when you enter the basement and attic, and basic tools to be able to inspect behind panels of wood and a strong flashlight.

home inspection

What To Look For

  1. Checking wooden joists in the flooring for stability and strength, any holes or missing beams could compromise the flooring.
  1. Rotting wood in between floors, in the attic or basement, and in the parts of the home that are exposed to the elements.
  1. Termites or mold in any part of the building, and if they are there then how extensive the damage is.
  1. Exposed electrical wiring or electrical work that seems not up to the mark.
  1. Water pressure in all the bathrooms and kitchen, as well as the condition of at least the external plumbing and drains.
  1. Condition and age of the appliances – cooling/heating systems, refrigeration, gas inlets etc.
  1. Cracks in the foundation.
  1. Damage due to overgrowth of trees and creepers adjacent to the building, specific to individual homes with a garden.

 

Home Warranty And Peace Of Mind

Just as home inspection can help do away with inhibitions of buying a new home, getting Home Warranty with wide coverage can assure peace of mind for years to come. Having gone through the aspects of inspecting a home thoroughly before investing in it, now comes the trick of making sure that your repair, servicing and replacements costs and tensions are all taken care of!

A service contract that assures the complete fixing and replacement of appliances, plumbing, electrical systems, and cooling systems of your home – saving energy on unexpected repairs and the trouble of looking for the required professional for each product – home warranty covers most major appliances and is yearly renewable without any hassle.

Home Maintenance Calculator

Not quite sure about how far this warranty could really make an impact?

Home-Warranty-Calculator

HomeWarrantyReviews.com brings you the Home Maintenance Calculator, a simple tool to get an estimate of what repairs and replacements can cost without a warranty in place, in comparison to the yearly cost of the home warranty itself.

It’s not always enough to base the decision on the age or the general condition of the appliance, and the Home Maintenance Calculator has been carefully put together so as to not miss any factors. By feeding in basic details of how old the home is, the age of individual appliances and systems and the number of times the home usually requires repairs in a year, the tool uses data to give you a very good idea of the end cost.

Getting your result is simple as well – the charts alter according to the parameters you feed in, and if the sum for maintenance is higher than that of warranty, then it is best to get yourself a reliable home warranty coverage, preferably chosen through meticulous research. In fact, finding the right deal for your home is not much different from hunting for the perfect home inspector! Read reviews, get estimates and make sure the plan covers all the essentials; a little bit of digging around may make all the difference when it comes to the perfect home warranty plan to fit your needs.




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

Life Insurance Policy

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

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

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

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

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

Types of Life Insurance

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

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

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

 

Term Life Insurance Policy

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

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

Types of Term Life Insurance

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

 

Permanent Life Insurance Policy

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

Types of Permanent Life Insurance

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

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




Claim denial is an incident in which a home warranty company rejects a customer’s request for repair service. Sometimes customer claims are legit and fully entitled to receive services stated as per the contract. Claim denials are considered to be a major reason behind spats between service contract companies and the customer.

While some claims are denied for genuine reasons, some customers argue that companies deny claims on vague grounds often stating fine print from the contract. Yet, there are also cases where the companies were falsely accused of unfair claim denial solely because the customer failed to understand the terms mentioned in the home service contract.

What we need to understand is that not all companies deny claims unfairly because doing so will severely damage their reputation. So unless there is a valid reason, reputable companies will not deny a customer’s claims randomly.

Let’s take a look at some common reasons for claim denials

1. Appliance is not covered

This is often the most common reason for denying a claim. Most service contracts only cover a fixed set of appliances and not everything in your house. If your home service contract provider gives you this reason, go check your contract and make sure that the appliance is indeed not covered. In case you find that it is a covered item, place further calls to the company and let them know that the as per the contract, the item is covered.

Home Warranty Claim Denials2. Appliance is not maintained properly

No home service contract covers an appliance that has become damaged due to lack of maintenance. Regular wear and tear is not caused due to insufficient maintenance. It is the result of prolonged, proper usage. It is the homeowner’s duty to carry out regular maintenance routines, especially for HVAC appliances. However, if you believe that the damage is not caused due to insufficient maintenance, tell the company that you need to get a second opinion from a different contractor.

3. The damage is pre-existing

Home service contract providers often tell the customer that the damage was one that existed even before the contract was signed and hence it will not be covered. There’s hardly anything you can do about such a denial. However, you can avoid chances for such disputes by making sure that you get a home inspection done prior to signing the contract. That way the home inspector’s report will clearly state about what appliance has what damage. If it is not in the report and if the item is covered, you may be entitled to a repair service.

4. Unusual wear and tear

Wear and tear due to regular usage and wear and tear due to rough handling and careless usage can be distinguished quite easily. If the damage was caused due to the latter kind of wear and tear, your claim stands a chance to be denied. In this scenario too, you can ask for a another contractor to get a second opinion if you disagree on the diagnosis.

5. Code Violations and improper installation

If the appliance was not properly installed and if it violates the codes laid down for safe use and installation, chances are high that your claim may be denied.

What should a customer do when claims are denied?

It goes without saying that the policy booklet, the contract and the inspection report, if any, must be preserved carefully. The moment you realise that your claim has been denied, go through your contract and policy document to make sure that the claim is denied purely based on the terms in the contract. If you have a home inspection report go through that too. If you feel that your claim has been unjustly denied, you can call the home service contract company again and press the issue.

You can also visit review websites and post a review about your experience. HomeWarrantyReviews.com has a feature called the Complaint Resolution Program (CRP) which is a platform for companies and their customers to resolve their issues. The customer merely needs to report his negative experience with HomeWarrantyReviews.com, following this, he will be asked if wants to take part is CRP. If he/she chooses to participate in it, the company will be notified about his/her grievance and will be given 30 days to respond/ sort it out. If the company fails to respond or resolve the issue, the customer’s negative review becomes public. Some review websites allows their users to resolve the issues with the contract provider by communicating with them through a specific platform. The advantage of this system is that if the home service provider fails to resolve the issue for the customer or fail to respond within a time frame, the review becomes public, thereby affecting the rating and reputation of the company. Most companies do not want that.

Whatever the reason could be, we request customers to make things clear before they react to a claim denial. It could be that the company is not at fault here and because of a misunderstanding, their name gets tarnished. Most of the unpleasant scenarios can be avoided if the company you pick is reputable. Hence we cannot stress enough on the importance of picking the right company, a good home service contract provider will always put the interests of the customer first. Remember, good communication is often the solution to the biggest of problems.




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.




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

Contractor looking for job

Why Work With A Home Warranty Company?

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

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

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

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

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

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

How To Work With A Home Warranty Company?

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

Some of these leading Home Warranty Companies include,

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

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

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


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

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

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

What To Remember Before Becoming A Service Contractor?

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

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

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

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

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

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

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Whether you are shopping for a home warranty or already have one, you may be asking yourself how to tell which companies are legit and which ones are not.  Here’s a quick tip from people who know this industry inside and out.  Listen to your repair contractors!

If you want to know how the weather is going to turn out tomorrow you listen to a meteorologist, right?  If you want to know the best place to get dinner this weekend then you probably turn to your favorite online source of local customer reviews.  But home warranty?  Who is the expert where those are concerned?  Trust us.  Nobody knows home warranty like the people who make the repairs!  These are the people who are on the front lines, serving the home warranty companies’ customers.  They know which companies are good, which ones are great, and which ones are someplace in between.

Listen to your repair contractors or technicians

Trust the people you can count on to tell you the truth

Why do repair contractors get the inside scoop on home warranty companies?  That’s easy.  They get paid by the home warranty companies.  And the ones that are slow to pay or don’t pay at all are probably the ones you should avoid.  If they don’t pay their repair contractors then how can you trust them to do what’s right by you, their customer?

So, how do you get the repair technicians to be your personal guides to the home warranty industry?  That’s a little more of a challenge.  But here’s an approach that might work for you.

Just like looking for a doctor who accepts your health insurance, look for a repair contractor who accepts your home warranty coverage.

If you’ve had health insurance then you already know what it’s like to search for a healthcare provider who accepts your insurance.  This process typically involves flipping through page after page of physicians in your area who appear in your insurer’s provider catalog.  Your home warranty company probably won’t have a catalog to give to you, but that shouldn’t slow you down.  There are two ways to go about finding out who works with your home warranty company in the local area.  One way is to call a repair technician who has a lot of good reviews and ask if the company works with your home warranty company.  Another way is to call your home warranty company and ask for a list of their local contractors.  The key here is to talk with repair technicians who have a good reputation.  It doesn’t do you any good if you get praise for your home warranty company from a technician who isn’t any good at fixing things.  In fact, that might actually be a bad sign!

Repair technicians write reviews too!

Another way to find out what repair contractors think about a particular home warranty company is to read online reviews.  Customers are not the only ones who take time out to share their experiences working with the top home warranty companies as well as the not-so-top ones.  If you skim through reviews, chances are you will find a few written by the people who perform the repairs.  If you see complaints about the company not paying its bills or asking the technician to do things that go against his professional ethics then consider that a red flag.  If you find a pattern of such complaints then that’s a red flag you can’t afford to ignore.  

Aside from the reviews being helpful for the information they contain about the quality of the companies, you may also find contact information for the repair contractors who wrote the reviews.  Following up with contractors in your local area who write reviews can sometimes reveal even more detail about how the companies do business.  Do they ask their contractors to fix things cheaply instead of fixing them correctly?  Do they reject repairs outright, due to the cost alone?  These are things you need to know.

Now that you have valuable insight into the way your home warranty company treats its contractors, what do you do next?

Once you’ve contacted at least one reliable repair contractor who was willing and able to tell you what it’s like working with your home warranty company (or companies you are considering doing business with) then you’ve got some follow-up work ahead of you.  Consider the following tips, even if you’re really happy with what the repair technician told you about his or her experiences with the company you asked about.

When is the time to look for a new home warranty?

If the conversation with the repair technician didn’t go the way you’d hoped then you have to ask yourself whether it makes sense to do business with that home warranty company.  Depending upon how bad the news was, you might want to get quotes from other home warranty companies immediately, rather than waiting to find out the hard way that the company doesn’t do what’s right for its customers or contractors.

When the repair technician has bad things to say about the home warranty company, it may be time to look for a new one.

Getting home warranty quotes is just one of many things you can do right here on HomeWarrantyReviews.com.  We work with many of the top companies in the industry, so we can probably get you the details quote information you need within minutes, delivered to you by a knowledgeable representative of the company you’re interested in.

If the news you got wasn’t good, but you’re not convinced that one opinion is a good indication of the company’s dealings with its customers and contractors then you may want to follow with one or two calls to other repair contractors in that company’s network of service providers.  One bad experience may be balanced out by a good one, or you might get a consensus from a few contractors that they’re usually happy working with the home warranty company.

Can you choose your repair contractors?

When the news is good and comes from a reputable repair technician, you might want to find out if that technician can be the one the home warranty company sends when you request service.

If you had a good experience talking with the technician then you may want to find out if the home warranty company will allow you to choose your own technician when you request service.  If that technician took the time to help you when you called to ask for his or her opinion about the home warranty company then you can probably count on that person being equally helpful and professional when something covered by your home service contract needs service.

Some home warranty companies allow their customers to choose a repair contractor rather than waiting for the company to dispatch one from their network of service providers.  In those cases, it would save you time in the future if you already have contact information for a contractor who accepts your home service contract coverage.  But keep in mind that there are a few situations in which having just one contractor selected ahead of time will not help you.

  • The contractor is unavailable at the time you request service
  • The contractor does not work on the type of appliance, system, fixture or another covered item that you need to be repaired

So if a home warranty company permits you to choose your own contractor you should probably get to know a few different local companies that work with the home warranty company.  Depending on what your contract covers, you might need more than a few experts in various repair fields.

If your home warranty company and your contractors do right by you then please return the favor!

The best way of saying thank you to a repair contractor and to your home warranty company, when they take good care of you, is to write reviews by looking up the companies which have served you.  You not only reward those companies for their good work, but you also help other customers, people just like you, make smart decisions about the companies they choose to work with.  So please share a moment of your time when you have a good experience with your home warranty, and post a review here on HomeWarrantyReviews.com!

 




Do you possess a home warranty program? Chances are, if you are a new homeowner, you likely do. But after you have been in your home for a year, you are likely speculating if you should renew your home warranty or not. So many families get themselves in the same situation and expectantly this article will be able to offer you some help.

Renew Your Home WarrantyIn all possibility, when you bought your home you obtained a home warranty covering a range of items in your home, i.e. roof, air conditioner, appliances, heating and plumbing systems, possibly your spa/pool etc. If you had a great Realtor he or she can get the seller to pay for the warranty. So here you are approaching date and questioning if you should renew it or not.

Consider Your Options

Firstly all you should ensure that you inspect your situation properly. This means that you must be careful not to purchase too much insurance or procure coverage for items that you don’t have. So many times, people buy coverage for things like home telephone wiring when they don’t even have a home phone or landline any longer.

How much peace of mind do you require?

For some people, they do not have sufficient money in their savings to pay for a major system repair like a HVAC system. That’s the same thing as a heating or cooling system. You also require making sure that you only purchase coverage for your heating and cooling system if you don’t need for your kitchen items and refrigerator covered as well. Or in case you are not bothered about the AC going out, you may only require coverage for your other major systems and appliances.

Should you renew your home warranty program?

Majority of first time home buyers get to the end of that first year and feel like they want to take the chance on not having a system to be unsuccessful. And the reality is, many of them won’t. But for some people anything that can happen will happen if luck is involved. So for them making the choice to renew is a no brainer.

Things to Consider When Renewing

Consider Several Factors for RenewalWe all are familiar in these economic times coming up with $350 to $600 is a lot of money for most of us. If you certainly did not have to pay for the initial coverage, then there is a doubt that you paid much attention to the cost of your home warranty. No doubt, you had to pay the $50 – $55 service call if you had one and that likely felt like a fine deal, particularly if you had something major go wrong like your hot water heater going bad. Maybe you didn’t have any service calls at all and now you are faced with this renewal expense and there’s a good chance you’re saying “I don’t think so”.

For people who reside in older house, age is definitely a factor to consider. How old are your appliances, your AC and heat pump, the filter motor for your pool, hot water heater, your roof, garage door opener and some of many other things that a home warranty can cover.

You must also factor in the additional costs of the service calls; they have a means of adding up if you have 3 – 4 of them in a year. These certainly are costs over and above the cost of the warranty itself. Study the fine print of your policy before you renew to be sure the items that you may be worried about are really covered. Some of the items you desire to be covered are not in the standard policy but are considered “optional coverage and have supplementary fees. You may have more than one surprise and can be very disappointed if you find out the warranty did not cover “that specific” item.

The additional thing, as a homeowner, you must know that if you don’t have an existing home warranty you can always acquire one. These companies don’t just cater to the new home buyer of a resale home. You can procure a home warranty any time, but you recognize that there will be a 30 day waiting period for it to go into effect.

So how do you approach the renewal question if you are about to purchase a new home warranty?

One way to deal with the query of your right to renew is to just ask the contractor you work with, whether it’s a real estate professional or a home warranty company. If the home warranty that is being offered to you for consideration does not permit you to renew without the company’s consent then you must compare that service contract to others which would allow you to renew freely. It is never a benefit to have a home warranty contract that does not guarantee your right to renew. Actually you risk a lapse in service coverage if you purchase a home warranty that does not guarantee you the permission to renew. Your next home warranty might not provide you instantaneous coverage after buying it, which would leave you with a period which any repairs required, would be 100% out of pocket.

It might appear like you are getting ahead of yourself by distressing about the renewal of contract you might not be interested in renewing. Although you just give yourself the choice of renewing you are better off than being refused or canceled renewal. Never let your policy lapse.  You can continue renewing your policy for the period of time in which you own your home, except if you have had lapses in coverage.




Buyers Protection Group Inc is reportedly buying two units of bankrupt LandAmerica Financial Group Inc for an undisclosed price. The purchase includes Land America Home Warranty division.

Buyers Protection

Once the No. 3 U.S. title insurer, LandAmerica filed for Chapter 11 bankruptcy protection in November 2008 and agreed to sell its largest underwriting businesses, after bigger rival Fidelity National Financial withdrew a $126 million takeover offer.

LandAmerica Home Warranty Company, founded in 1987, provides one-year home warranties in 30 states, concentrating on Arizona, California and Texas. LandAmerica Property Inspections Inc., begun in 2001, is now the nation’s largest employee-based inspection company, the release said. It provides residential and commercial inspections in 14 states. Both companies will change their names after the purchase is completed.

Buyers Protection Group Inc., is an Atlanta-based real estate services firm partially owned by The Stephens Group LLC




Home warranty is a service contract that offers discounted repairs and replacements for your household appliances. If you have an appliance protection plan, and if one of your covered appliances breaks down, the home warranty company will repair it for you at a very nominal price.

Home Warranty Plan

In general, such plans are considered a wise purchase for those

  • Who have fairly old appliances, ie 4+ years.
  • Have no time for DIY repairs.
  • No budget for expensive repairs and replacements.
  • Do not have a trusted contractor.
  • Is a first time home owner.

If any of the above mentioned conditions are true, it will be a good idea to purchase an appliance protection plan. Folks who fall into any one of the categories stated above stand a high chance of encountering frequent damages leaving their pocket empty.

Several types of appliance protection plans are available in the market today. Most of them differ with the extent of coverage. Most of the first tier or basic plans cover only major systems and appliances in your home. This usually excludes outdoor appliances and systems and second sets of devices. Eg spa and pool units, sprinklers are common things excluded from coverage. Also second air conditioning unit, second cooler etc are also omitted. However, the best part about these plans are that their coverage can always be extended. Accordingly the annual premium you pay will be higher.

How Does the Plan Work?

If an appliance crashes while the warranty plan is still valid, all you have to do is to inform the company about the damage. Once you give them all the necessary details, they will call up a service vendor with whom they maintain business ties. The vendor then contacts you to fix an appointment and on the agreed time he arrives to take a look at your appliance. If the damage is minor, the technician will fix it right away.

However, major damages or part replacements may need approval from the home service contract company. Any parts that require replacement will be procured for you by the company.

Advantages of a Home Warranty Plan

  • It offers some amount of protection for your budget.
  • It is the closest thing you can find to peace of mind.
  • You get the service of experienced and qualified technicians.
  • You don’t have to look for a service vendor, they will be sent to your doorstep.
  • Flexible coverage. You can purchase as little or as extensive coverage as you need.
  • Affordable. Most plans have annual premiums that range anywhere between $250 to $600.

Disadvantages

  • It is not a free of cost arrangement. In addition to the annual premium, you will also be paying a service call fee each time you raise an issue. The fee is nominal, usually around $50.
  • You cannot raise multiple issues in a single claim.
  • Claims are sometimes rejected based on vague and unclear grounds and often stating fine print from the contract which customers usually overlook.
  • Conflicts may arise on the diagnosis given by the technician.
  • The home warranty company will always try to repair and not replace your damaged appliance.

Final word

Home Warranty plans are a great way to insure your household appliances if they are old or aging. However, people often tend to confuse this with homeowner’s insurance, which is quite a big mistake. Homeowner’s insurance can never be replaced with a home service contract or vice versa. Though they both offer protection for your appliances, their grounds for placing a claim are totally different.

May it be reminded again that the policy booklet and contracts are vital documents and should be studied and preserved carefully. If you have decided to go ahead with a home warranty, check out Top Home Warranty Companies listed on our site.




There was a news report covered by HomeWarrantyWiz.com regarding recent developments with regard to fake Internet testimonials, company reviews, and ratings being detected and penalized by the Federal Trade Commission (FTC).  HomeWarrantyReviews.com was involved with the research behind this article, particularly by sharing our experiences with home warranty companies that have attempted to use our ratings system to post fictitious consumer reviews.

Fake Reviews

Home warranty is a highly complex product and many consumers rely greatly on the information they find on the Internet in order to choose a home warranty company.  Fake Internet reviews make finding accurate information about companies more challenging and can sometimes lead consumers to making misinformed decisions.

The recent FTC fine levied on an advertiser outside the home warranty industry for advertising that involved fake reviews posted online is a good sign for home warranty customers and for all consumers who use the Internet to shop and research products or services.  Websites like ours which are actively monitoring the reviews posted on them are an additional resource aside from the FTC and state attorneys, working in the consumer’s corner.

Penalizing Companies Posting Fake Reviews

There have been instances where we have blacklisted companies for repeatedly posting fake positive reviews. Some companies employed some sort of advanced techniques to make the review look legitimate. But we have built a  sophisticated rating system over the years and will catch any attempt to manipulate the reviews. On top of that we have a team of experienced staff members who make sure the review passes through their litmus test. So, if you are company that relies on such tactics, take a note!

Ensuring that fake reviews and ratings are caught and removed and that the offending parties are warned is just one way in which reviews sites can police reviews and ratings and keep them as accurate as possible.  Consumers also have a responsibility as well. Consumers must be diligent to make their reviews as factual as possible in order to make the fake reviews easier to spot.  Detailed reviews stand apart from general ones and often fake reviews give only the most basic details, focusing more on glowing compliments about the service or product.  Leaving emotion out of reviews is also important because the same companies that post fake reviews or attempt to deflect blame whenever customers post highly emotional testimonials.  Ultimately the task of spotting fake reviews falls greatly upon the consumer’s shoulders but now that the FTC has thrown its hat into the ring things will be much more complicated and risky for companies that prefer false advertising over legitimate customer testimonials.




Life is certainly unpredictable, you cannot control the outcome but surely can prepare yourself through careful planning and minimize the risk and be on the safer side. Insurance is one such protection mechanism which covers major expenses with an understanding that you will pay a smaller fee as a premium.

Insurances

An insurance is a contract in which an individual receives financial protection or reimbursement against losses from an insurance company against the payment of a premium.

We have an inherent need to protect ourselves and our family, so why not buy insurance and secure the unknown future. According to needs you have various insurances. Some are a must while others are worth. Here is a quick tour into the world of insurance policies.

Insurances That You Cannot Miss To Have For Your Home And Family

Life Insurance

As the term suggests you are insuring your life with a certain amount. It is an insurance that pays out a sum of money either on the unfortunate death of the insured person or after a set period.

Benefits of a Life insurance

  • Risk Cover – Insurance ensures that your loved ones continue to enjoy a good quality of life against any unforeseen event.
  • Planning for life stage needs – Life Insurance not only provides for financial support in the event of untimely death but also acts as a long term investment which can reap benefits once it reaches a maturity period.
  • Assured income through annuities – Life Insurance is one of the best instruments for retirement planning. The money saved during the earning life span is utilized to provide a steady source of income during the retired phase of life.
  • Tax Benefits-Insurance plans provide attractive tax-benefits for both at the time of entry and exit under most of the plans.

Health Insurance

It is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insurer. Health insurance can either reimburse the insured for expenses incurred for illnesses or injury or pay the care provider directly.

  • Protection against rising health expenses – Life Insurers through riders or stand alone health insurance plans offer the benefits of protection against critical diseases and hospitalization expenses. This benefit has assumed critical importance given the increasing incidence of lifestyle diseases and escalating medical costs.
  • Provides peace of mind – You don’t have to worry about the huge bills when you visit the doctor or an unfortunate accident or an expensive surgery your insurance will take care of unpredictable medical needs.
  • Regular health checkups – Insurance gives you various benefits and one of such is that you can avail regular health checkups and keep a tab and stay healthy.

Auto Insurance

It is an insurance for all your automobiles against theft and accidents.

Benefits of Auto- insurance

  • With a high cost of living there is hardly much room for savings in case of an emergency. Unfortunate auto accidents are the kind of emergency situations that can easily drain your bank account. A premium according to the specified period can be of a great help.
  •  Even in case of a minor accident with no injuries, cost of paying for another person’s vehicle and your own can burn a hole in your pocket and an insurance is a friend in need to bail you out in such a situation.
  • It helps you in case of automobile thievery, you can claim the insurance with some existing terms and conditions whereas getting the complete value might not be possible.

Home Warranty

A home warranty is a contract for repair and replacement of major home appliances such as refrigerator, washing machine, garbage disposal etc. on payment of a premium.

Benefits of home warranty

  • Saves you huge cost of repairs
  • A Home Warranty will repair or replace any covered item. It adds value to your property and benefits everyone from a buyer, seller to homeowner has an advantage.
  • Assures you peace of mind

Home Insurance

This insurance covers the home including the structural elements as well as the valuables inside the home. However, you can claim this insurance only where there is a natural disaster such as flood, fire etc. Please note that this does not cover the appliance repair and replacement costs.

Benefits of home insurance

  • Protects your biggest investment that is your home in case of natural and manmade disasters.
  • Covers accidental damages to your interiors and exteriors as well.
  • Takes cares of any third party damages and legal issues if any incident occurs while in your property.
  • Assures you peace of mind and gives you a feeling of safety and security.

Often Home warranty and insurance are thought to be similar but they are completely different in the coverage they provide. Home insurance is a must to have whereas home warranty you can choose to get.

When it comes to insurances you have a plethora of options to choose. From travel insurance to disability insurance etc, you can choose and plan according to your needs. All insurances have advantages and disadvantages but insurance no matter which protects your peace of mind. While buying insurance always make sure to do a background check of companies you are dealing with and read the reviews and fine print thoroughly.

Click here to check for Home Insurance and warranty companies.

Future is unpredictable yet securable therefore get insured stay assured.




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

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

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

How to Minimize Your Chances for Claim Denials?

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

How to Dispute Unfairly Denied Claims?

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

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

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




If you are someone trying to sell your home at the best possible price, you’ve landed at the right place! Many homeowners face a lot of hurdles when trying to sell their property. We understand that it can be difficult especially if potential buyers start low-balling the price. In today’s times, it sometimes makes sense to hire a real estate agent specializing in selling homes to make sure that your home gets the right buyer. However, picking the right real estate agent could be a task in itself.

We’ve got some great ideas about how to sell homes faster. Take a look at some of the points discussed below to know more!

Sell Your Home Faster

Five Hacks To Sell Your Home Faster!

 

Make The House Look Pretty

While the sentence sounds simple, a lot of effort goes into making a home look warm and inviting. Here are a few tips you could try to liven up things –

  • Give your home a fresh coat of paint. Works wonders.
  • Update the kitchen and its content. Don’t overdo it, though.
  • If there is too much furniture, get rid of some. People who come to see your home would like to walk around without stubbing their toes.
  • Make the home smell nice. Can’t stress enough on the importance of this one.

Before you conduct the open house, you can consider hiring a stager. Stagers are folks specialized in setting up your home to make it look extremely pleasing to the eye. However, if you’ve got a knack for things like this, we’re sure your skills would be more than enough.

Necessary Repairs And Replacements

Make sure everything in the house is functional. Which means you’ll have to check for leaks, faults with inbuilt appliances and even a pest control drill may be necessary in some cases. Most buyers will opt for a home inspection prior to making a purchase and if multiple faults come up in the home inspector’s report, there’s a good chance that they’ll cancel the deal.

Also, make sure that the windows are sparkling clean and broken light bulbs/ fixtures are replaced.

Offer A Home Warranty Plan

Some studies reveal that offering such a plan would not only sell your home faster, but an appliance warranty may actually increase the sales price of the property by an appreciable value. Many home warranty providers also offer seller’s warranty which is an ideal option in a scenario like this. While you may be offered suggestions, we recommend that you read and compare top home warranty companies in your region.

Also, since most plans are transferable, you can simply transfer the plan to the new owner once the sale is finalized. Many real estate agents strongly recommend offering an appliance warranty to the buyer as it not only fetches the house a higher price, but also reduces the liability of the seller and the agent. If and when an appliance related issue occurs, the buyer would call the home warranty provider and not the seller/agent.

Present The Property Well

How the house is presented to a potential buyer is a major factor which decides whether a buyer develops an interest in the property or not. If you have hired an agent, step back and let the agent show the clients around. Agents do this for a living and so they would know how to do it best. They also know what to highlight, what not to stress on and how to tackle tricky questions that may come their way.

All of this will not be possible unless you have a killer agent. Do ample research, meet many agents and ask around before you hire one to represent your home. You may want to read about how to pick the right real estate agent for you.

Price It Right

Lastly, price your property correctly. We cannot stress enough on the importance of this one. If you price it too high, most folks won’t give a second glance to the ad. Price it too low, you’ll leave potential buyers wondering whether your home has some serious issue (or worse, haunted).

A real estate agent would be the right person to guide you on how to price your property. Several things go into deciding the value of your home – locality, age, square footage, amenities, proximity to schools/hospitals etc. You may want to look at listings in your neighborhood to find out an approximate value.

First Impression Is Almost Always The Best

This proverb is more true than you’d think, especially in real estate dealings. If buyers don’t like the property at the first glance, they may not give it much consideration. Keep this in mind during every stage of the sale. We would strongly recommend that you consider offering a home warranty along with your home as the benefits are just too hard to ignore.

Real estate dealings can be hard to many, but as long as you have the right agent and the right support, it should leave both parties happy. We hope your property sale goes well. Good luck and thank you for reading this article!




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

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

What is Structural Insurance?

Structural insurance functions within the parameters of Builders Insurance and Site Insurance, covering claims regarding the foundation and architectural framework of the building, as well as the integrity of the site it is built on.

Structural Insurance & Home Warranty

As the percentage of self-built homes increase in the US, numerous companies now offer a comprehensive list of structural insurance for homes built without the assistance of building agencies.

If narrowed down to just structural claims, structural insurance covers the claim of any structural defects in a home for a fixed number of years after it is built. Often certain companies have a secondary set of rules, pertaining to the fact that the claim will only kick in 7 to 10 years after the house is completed.

That being said, structural insurance usually comes hand in hand with site and builders insurance as well, both essential and usually synonymous with structural insurance.

Site Insurance

Site insurance is offered to builders as well as individuals who have purchased land and intend to construct. It not only covers any natural disaster-related damage – fire, storm, flood – to the land, but also the temporary structures on it. The coverage puts aside a certain sum to take care of any unforeseen circumstances that may cause huts, caravans, tools and the building under construction itself to be partially or wholly damaged.

Certain insurance companies not only take care of the monetary side of things but also offer services to clean, repair and bring back the space to its former state.

Builder’s Insurance

In recent times, Builder’s Insurance has become a must for self-built structures, especially since it establishes a sense of trust between the homeowner and the bank or builder who is offering monetary assistance.

Builder’s insurance acts as the umbrella under which site and structural insurance fall, but often companies do cater to individual needs by offering them separately. These insurance policies even accommodate for theft of tools and valuables from the site, but usually, put a limit of the claim. That being said, it is important to pick appropriate coverage plans and not under or over-insure your property.

Allowing delays and pushbacks, any building or structural insurance for individuals who are constructing on their own extend to 18 months, as opposed to the usual 12-month coverage given for builders.

Why Insurance During Construction is Essential

Building a home isn’t only about the structure and integrity. Along each step of the way, you have to be aware of not only accidents and loss that are beyond your control, but also any harm that the process may cause to workers, the public and adjacent private and public property.

Structural Warranty for self built homes

As a homeowner, you are liable if any of your workers are injured during the course of construction, or even if they fall ill due to toxic substance exposure while they worked for you.

Even a trespasser walking into property can have a legal claim if he or she is injured due to any improper construction methods.

Damage to surrounding property can be another reason you are faced with a very large bill for compensation. Everything from a falling tree branch to heavy machinery vibrations that may cause harm to adjacent structures can be seen as cause for a lawsuit. Most often, such damage is seen to happen during the time when your foundation is being set, causing worry about underground water sources and support extending below the ground of other buildings in the area.

Home and Structural Warranty

Besides structural and builder’s insurance, warranty extends the coverage, claims, and care for years after the home is built – taking care of issues and damage that insurance does not address. While insurance deals with unforeseen circumstances and matters that were out of your control, Home Warranty offers solace when you need to deal with maintenance, repair, and replacement due to general wear and tear.

Usually put in place for a period of ten years, Structural Warranty covers defects in the foundation, load-bearing walls, beams, pillars and sometimes even wiring and plumbing systems. Not only does it keep you worry free, it also assures that any negligence on the part of the contractor is covered for without conflict.

 




Georgia, the state that has everything from marshlands to beautiful beaches! This state has many things to be proud of and on top of the list is the fact that its capital city, Atlanta is the birthplace of Dr. Martin Luther King Jr. For the 10 million Georgians out there, here’s an article that discusses some of the best home warranty companies in your state.

There are many home warranty companies out there, but some of them stand out from the rest due to an enhanced customer service and benefits that they provide. In this article, we are going to be talking about the top 5 home warranty companies listed on our website as of September 2015.

Home Warranty Companies in Georgia

1. American Home Shield (AHS)

Services Offered

Reviews about this company suggest that they offer excellent services when you get their coverage and they will always find the most professional work for the best deals. That is what home warranty services are all about and these guys do it extremely well. They have been in the business or a very long time and they know exactly what people need and what kind of plans they should be providing to them.

Client feedback

The general feedback from customers is that AHS is a truly incredible service provider that goes the extra mile for their customers and that is the thing that really makes them the best at what they do in the eyes of hundreds of customers who have left their feedback. This is the kind of customer feedback that can be extremely good and it can make a company gain a great reputation fast.

Plans Offered

They are offering some excellent home warranty plans that are going to be extremely beneficial to a lot of people. There are also many variations of each one of these plans and the price ranges are pretty good. There is a good chance that you will find one plan that will be ideal for your needs.

One of the best things they offer is the “Build Your Own Plan” option, which basically allows you to customize the coverage and this makes it even easier for you to get something that fits your budget and needs.

2. The Home Service Club

Services Offered

These guys really go the extra mile with their 24/7 customer service features and they will get people to repair an appliance of yours fast and efficiently. This is the one thing that makes the Home Service Club stand out from the competition in a very positive and appealing way. People like the idea of being able to ask for help at any hour of the day and even at the latest hours of the night. No matter how late or how early in the morning, they will have someone answering their phones and providing emergency services to you if necessary.

Client feedback

The client feedback for the company is predominantly excellent and there are many people who are always giving praise to their 24 hour availability. There is no doubt that these guys have earned a good reputation. There are a few disgruntled customers who report having to call third parties in regards to some issues, but 99% of their feedback is excellent.

Plans Offered

They have a standard plan which is good enough for most people and they have a comprehensive plan that gives coverage to a larger number of states.

3. Home Warranty of America

Services Offered

Home Warranty of America is very proud of the way they strive to simplify the lives of their customers. They provide help with very immediate responses and that is what makes them part of this top 5. This is the kind of customer service that needs to be provided to the customers if a company wants to be able to gain any kind of respect and positive reputation.

Client feedback

The Client feedback is for the most part very good and there are many customers who are very satisfied with the service. You will find that some people who own very old appliances will complain that they did not get assistance for those items, but most people seem very satisfied with the service. It’s remarkable to see a company with such a high rate of satisfaction from its customers.

Plans Offered

Their customizable home warranty plans are very efficient and a lot of people have mentioned that they have a lot more options available since they started using this company. This is one of the reasons why it’s so highly recommended to anyone that wants to get proper home warranty plans for their appliances.

4. 2-10 Home Buyers Warranty

Services Offered

2-10 Home Buyers Warranty has a host of online and offline services for their customers. They have a large contractor network of over 10,000 licensed and experienced technicians. The company takes pride that they have served more than 2.5 million American homeowners so far. The official website of 2-10 Home Buyers Warranty provides customers with the provision to manage their account online and also place and track claims through the Internet.

Client Feedback

This is a company that has been  in the industry for close to 30 years. They’ve built a strong reputation for themselves and is therefore a popular choice among new and existing homeowners. Feedback from customers was mostly positive with some instances of claim denials being reported here and there. Overall, this is a company that holds an A+ rating with the BBB and is also a favorite among homeowners.

Plans Offered

2-10 Home Buyers Warranty has different plans for homeowners, builders and real estate agents. For homeowners, there are two basic plans. A 10 year structural plan and a Systems and Appliances plan. For real estate agents, the company provides one year service agreements for townhouses, condos or multi-family homes. Builders can avail comprehensive protection plans that provide structural warranty and reduce the builder’s liabilities.

5. Select Home Warranty

Service Offered

These guys are known for their quick and efficient customer services as well as their ability to provide the most professional repair services for all the covered appliances. This is a very solid company that has plenty of experience and it has become quite obvious to their customers that they are in this business to stay.

Client feedback

The client feedback is extremely good for this company and there is a very small number of people who have complained about the services not being what they expected, but this is inevitable in any large business. Even when everything gets done as it should, there will always be someone who is not going to be 100% satisfied with the work.

Plans Offered

They have very good standard home warranty plans that cover a wide range of appliances and they also offer more flexible plans that allow their audience to fully customize their services. There is definitely nothing more important than having a certain degree of flexibility when you are working with any kind of flexibility plan and that is all that you really need to learn.

Conclusion

While this article discusses top five companies based on user reviews, we want our readers to understand that this is not some kind of authoritative list. Please do keep in mind that there is a large number of home warranty companies that are just as good and efficient as the ones we mentioned. We actively encourage you to go through our website and the user reviews on it before you make a choice. Plus we’ve got a free quote tool and listings of top home warranty companies serving in each state, which you are free to exploit.

If you think there’s another company that deserves to be on the list, do tell us about it and If you found this article useful, don’t forget to share it with your friends! Cheers!