Does Home Warranty Increase The Sale Price Of A Property?

For most people, buying a house is one of the most expensive purchases of their lifetime. As it is an expensive purchase, very often involving a person’s entire life’s savings, it is only natural that a homeowner will expect some additional protection.

Increase The Sale Price Of A Property

A home warranty or a home service contract is a form of service agreement that offers to provide discounted repairs and replacement services for household appliances. When paired with a property sale, it has been noted that homes sell faster and at higher prices. Recent market studies have confirmed that homes with home warranty sell 10% faster than those without. Over the years, it has become one of the incentives that home buyers eagerly expect when they make a purchase.

In a recent survey conducted by the American Home Shield, it was clearly seen that homes sold with a home warranty sold faster and at higher rates. Following are the assertions from the study:

  • Average sales price of houses sold with home warranty was 0.91% higher than homes sold without warranty
  • The average number of days that a home with a home warranty stays in the market was 16.14% lower than those for homes without warranty.
  • The percentage of Sales Price to List Price was 96.7% as opposed to 96.1% for homes minus home warranty.

What makes home warranty increase the value of a home?

As mentioned before, home service contracts provide budget protection to the homeowner. When a buyer makes a purchase and receives a home warranty along with it, he also receives the following benefits. Let’s take a look at some of the benefits the buyer gets:

  • Protection against unexpected repairs and replacement costs
  • Repair services from qualified and skilled technicians if an appliance breaks
  • Saves the need to look for a trustworthy contractor as technicians are sent to one’s doorstep

If these points are not compelling enough, here’s a list of benefits that the seller will receive. Yes! This is a deal where people at both ends of the stick score high. Here are some of the seller benefits

  • Affordable liability protection.
  • Buyer will not bother the seller if appliances/ systems in the house crash
  • Increases the value of the property as buyer feels protected
  • Saves the need of chasing the seller as and when a damage occurs

In some cases, real estate agents often purchase transferable home warranty contracts for a property that is to be sold. Once the deal is closed, the protection becomes effective thereby reducing the agent’s liabilities.

From the points discussed above, it is quite clear that combining a home warranty with a home sale benefits both buyer a seller. Hence, a home warranty effortlessly increases the value of the property.

Different types of home warranty in a property sale

In a property sale, 3 types of home service contracts are commonly seen

  • Seller Home Warranty: A seller home warranty is one that is purchased by the seller during the time that the house sits in listing. It becomes effective as soon as the payment is made and protects the house during the listing period. It can be transferred to the buyer once the sale is made.
  • Buyer Conversion Warranty: This is a home warranty that is transferred to buyer. It becomes effective on the closing day.
  • Buyer Direct Warranty: Buyer direct warranty is purchased by the buyer or his real estate agent. It becomes effective on the day of closing or it can be purchased anytime within 90 days of closing.

When is a home warranty not ideal?

No matter how attractive a home service contract may seem, there are times where it is a bad deal. Here’s one such situation. A home, if it is new, stands very little chances of encountering appliance/ system crashes. Also, home warranty covers damages that occur due to regular use and wear & tear. Such damages are more likely with appliances that are over 4 years old. So, in cases where the home is new, a home warranty, no matter how attractive, could be unnecessary.

How to select a home warranty plan for your home that you plan to sell?

It is unlikely that a real estate agent would ask this question. Most agents have a company that they always rely upon for home service contracts. If you are a first time seller, we suggest that you talk to a few agents before picking a plan. Speak to your friends and family who have experience in home sales and related aspects.

Another option is to visit home warranty review websites. Such sites offer ratings and opinions from customers of home warranty companies. It gives you a hands on feedback about the big players in the industry. This is a very reliable option as user generated feedback is often the ideal way to decide a company’s quality.

Making the final decision – Sell with warranty or without?

From all that has been discussed here, it’s quite clear that, new homes don’t necessarily need a warranty plan. At the same time, it is advised that if you are first time homeowner, you should always have your newly purchased home protected with some form of appliance warranty.

In conclusion, homes that are not new and not under any form of protection are best sold with a warranty plan attached to it. In fact, when homes sold with a warranty sell faster in addition to being sold at higher prices. Nothing good can come out of putting yourself and the buyer at inconvenience. So, do visit some review sites and listen to the Vox Populi!!

Hope you found this helpful. Do share the article and help someone else too. Cheers!!






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.




Usually, appliances last for several years, mainly when they are properly maintained. Adequate maintenance actually brings down faulty function incidents considerably. When household appliances no longer work, you have two alternatives. You could either substitute it or repair it. In order to make the right decision, many points have to be kept in mind. Firstly, make sure your commercial appliance’s age and warranty period. If the particular warranty period continues, your repair could fee you nothing, or much less than what you suppose to pay otherwise.

The Cost of Appliance Repair – Are they worth Repairing?

Average appliance repair costs

Assuming that the warranty period is over and consequently repair shall be pricey, then you certainly must consider a few points. You must begin with obtaining estimates and quotes from no less than four different service providers. If the cost is about 50% of the cost of a new appliance then it is worth getting the repair done. If not, it would make more sense to just upgrade to a newer model. An amazingly old kitchen appliance may give you the situation of hard-to-find spare parts. Your repair guy might have a tough time discovering suitable appliance parts and he could charge extra for that too.

Getting original parts to be substituted by spare alternatives is not a very good idea. There are high chances of making more troubles than answers. Even if it does not prove to be a fix, you will face stumbling blocks later on. Throw away your appliance and get yourself a new one instead. New models from reputable warranty companies tend to be more energy-efficient and reasonable. By employing environmentally friendly commercial appliances in your business, you will also be promoting goodwill and sales among your patrons. It also transforms to lower energy expenses and more savings. The extra cost will surely be justified over the years.

How Much Does Replacing or Repairing an Appliance Cost?

Commercial appliance repair service is normally billed for on hourly basis. Average hourly rates for the first half an hour could vary between $50- $70. After that, for any subsequent moment block the rates will be a few dollars less per half hour. On average, if you are a regular customer of a company, you can anticipate to pay 10$-20$ per hour for time slots from your technician. Lower rates are charged if your appliance is delivered to the provider shop and the technician did not have to go onsite for the repair. Sometimes based on the complexity of the job, the rate will vary. This will usually adjust in benefit of the client as then, the duration of time taken for repair is not of importance. The person will not be anxious about being charged too much.

When calling your repair services call center or offices, bear in mind that ‘overtime calls, i.e. the calls taken after business hours, on holidays, and on weekends, will naturally cost you extra. In fact, charges might even be as much as 25% over. Thus, take thin in account. If the repair is not an emergency, calling for an urgent ‘overtime repair’ is not a very smart idea.

A Pre-Owned Home Warranty Can Protect You From Costly Repairs

If you are most consumers, you would not even consider buying a new or pre-owned car without some type of warranty. So why would you purchase a home without similar protection? Well, the simple answer is the majority of people just don’t know that home warranties exist. But as home sales are rising, buyers are negotiating for the best possible deals and sellers are seeking for advantages to make their home more pleasing. As a result, home warranties are rapidly becoming part of home sale transactions on both sides.

What is a Home Warranty

Get Covered!

A typical pre-owned home warranty is a service agreement provided to the sellers and/or buyers all through the sale of a home that protects the home’s essential mechanical systems and appliances. Usually, home warranties protect sellers and new homeowners from repair and/or replacement costs that are not covered by their homeowners’ insurance. While specific coverage differs, some of the most common items covered are the water heater, HVAC system, plumbing and electrical system.

Cost to Repair Appliances 2012

According to Homewyse, in 2012 the average cost to Repair Appliances varies from $184.63 to $242.40 per each appliance.

Your cost depends on material costs and local labor, level of preparation, finishes quality and job complexity.

Cost to Repair Appliances – General Information

The cost estimate includes:

  • Costs to material delivery and service provider transportation to and from the job site
  • Costs to set up the worksite for Appliance Repair, together with costs to project existing finishes, components and materials
  • Costs for site cleaning and debris removal once work is complete
  • Costs for machinery or tools to complete the Appliance Repair
  • Costs for tools or machinery used to complete the Appliance Repair

The cost estimate does not include:

  • Cost to modify or add present electrical, plumbing or HVAC systems
  • General contractor charge fees for directing and managing the Appliance Repair. You would expect 12.3% to 19% to the total cost if a general contractor supervises the project

Appliance Maintenance

The following list comprises major work tasks commonly performed during Appliance Maintenance.
Make use of this list to know the timing and sequence of different steps in the Appliance Maintenance project.

Example:

The table mentioned below is provided by Homewyse which is a vendor neutral, comprehensive online reference for the home. It is published by competent home design and construction professionals who seek to produce a “level playing field” for trade professionals and consumers. By relevant professional knowledge and expert insight which is easily accessible to the average homeowner, Homewyse facilitates effective decision making in all matters related to home.

Task Service Provider Duration Do-it-yourself difficulty Target Cost 
Install Electric Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $513 – $932
Install Gas Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $583 – $1,062
Install Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Range Appliance Service and Repair Technician 1 d Level 2 – Challenging $895 – $1,643
Install Vent Hood Appliance Service and Repair Technician 1 d Level 2 – Challenging $445 – $811
Install Washing Machine Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $695 – $1,273
Replace Washing Machine Appliance Service and Repair Technician 1 d Level 2 – Challenging $695 – $1,273
Install Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $70 – $117
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Repair Appliances Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dishwasher Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dryer Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Refrigerator Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Replace Built-In Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $1,820 – $3,354
Replace Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Waste Disposal Plumber 1 d Level 2 – Challenging $105 – $175
Install Ice Maker Plumber 1 d Level 2 – Challenging $230 – $407
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Install Garbage Disposal Plumber 1 d Level 3 – Complex, Difficult $250 – $444



When it comes to appliance warranty protection plans, the choices are plenty. Should you buy a comprehensive home warranty or extended warranty at the point of sale? While home warranty is like an umbrella insurance that covers all major home appliances, extended warranty is purchased for each appliance separately.

extended warranty

Home warranties will charge annual premium and deductibles per repair incident but they can be purchased anytime during the life-cycle of the product. Extended warranties will charge up front fees, but no deductible per incident and these protection plans are generally sold during the initial stages of product’s use, although there are exceptions.

Generally, home warranties cover all used appliances, but extended warranties cover new items only. Recently, Warranty Week ran an article that questioned whether there is an overlap between the two. They interviewed several executives from home warranty and extended warranty companies. The general consensus appears to be that, there is some overlap, however two types of warranties serve different purposes.

Mike Frosch, president of The Warranty Group, North America, said “Home warranties are great, when you’re buying or selling a house and want to cover used appliances immediately. Service contracts are great, when you’re shopping for new appliances and want to extend the manufacturer’s warranty for additional years. So in a sense, the coverage may overlap, but the offers don’t really compete. When you buy a home warranty, for the sake of argument let’s say it’s $450. It’s a one-year coverage on used equipment. It’s providing some coverage on some amount of appliances, but it’s really about heating, air conditioning, plumbing and electric”

In our view, they do overlap if you are talking about big ticket appliances, but there is no need to buy both. If you are buying a new appliance, chances of it failing in the first 3-5 years is far less assuming you have researched the product before buying. So, there is no real need for extended warranties.

However, if homeowners still want peace of mind coverage, then they should simply go with home warranty as it covers all appliances in your home not just one specific product. The home warranty costs are higher than the extended warranty, however it covers far more items and you have a single point of contact for all repair needs.

Extended warranty companies argue that they provide better service and offer more economic protection plans. The argument is compelling on the surface, but keep in mind home warranties are useful where there is frequent need for repair such as old appliances.

We wonder what would be the service level if extended warranty companies offer maintenance service of 10-15 years old appliances such as heaters and air conditioners. The repair needs are much higher and their profit margins are much lower. Generally extended warranties are bought for new electronics items and repair incidents are much lower. For this reason, we think it is a wise decision not to buy extended warranty at point of purchase.




Are you longing for a home decorated with our green friends? You want a home that is eco-friendly and looks pretty at the same time? You have come to the right place!

Over the years plants have become much more than just a source of food. While being a very nutritious edible species, members of Kingdom Animalia are also very visually appealing. Even the prickly cacti are never an eye sore.

For all you homeowners out there who wish to add a hint of green to your home, this article shall give you all that you have to know about before you decorate your house with plants.

Benefits of Green Life

Decorate Your House With Plants

There are indeed a lot of benefits associated with gardening and using plants as decor. Let’s discuss about them.

  • Plants are cheaper than most other decor items.
  • They are eco-friendly. Read further about Bringing Nature Into Your Home!
  • During mornings, they release oxygen as a bi-product of photosynthesis. This means that the area around a plant has pure and oxygen rich air.
  • Growing flowering plants can help you save money when the need arises to gift/ make decorations with flowers. Did you know? Some of the best center pieces for dinner tables are made out of fresh flowers and T- light candles?
  • Spending time in a space filled with plants lifts your mood.
  • Plants come in a wide range of varieties giving you unlimited possibilities to use them as decoration.
  • Makes your house look fresh!
  • They are like pets that you can love and care for but don’t move around and litter your home!
  • Living in an environment filled with healthy plants, help cure disease. Ailments like Asthma and other respiratory diseases can be controlled by placing plants in our homes, so that we can breathe fresh air!

Common indoor plants

Norfolk island pine, peperomia, aloe vera, English ivy, peace lily, snake plant, spider plant, bamboo palm, golden pothos etc are the most common varieties of indoor plants. Among them, aloe vera is known for its moisturizing properties and so it can double as an ingredient for homemade face packs. The English ivy is said to be a plant that purifies air effectively, while the most common indoor plant is the spider plant, which is also known for its air purifying properties.

Did you know, the golden pothos has the ability to remove formaldehyde from the air, if you thought plants simply stood lazily in a corner?

You can visit a local nursery or look up on the internet to identify the plants that best suit your lifestyle and home decor.

Where to place your green friends?

plant2

Window sills, kitchen counters, living rooms and balconies make ideal locations for plants. You can even use an assemblage of different plants to create a great ambiance.

Most indoor orchids require humid atmosphere to thrive well. They’ll make excellent additions to your kitchen or a sunny bathroom.

Bedrooms are not really recommended because, as you know, plants release carbon dioxide at night. This leads to reduced amount of oxygen in the air and that is most certainly not good for health.

How to place them?

plant1Pots and containers for these plants are also decorative pieces themselves. So make sure that the pots you use are not only functional but also visually appealing. If you don’t want to spend loads of cash on fancy clay pots, you can simply buy some normal brown ones and paint them in a variety of colors.

If you have enough space, use big terracotta pots and paint them in a bronze or copper color. It adds a certain old world charm to the whole area. Although metal planters are ideal for this look, they are a wee bit expensive.

As much as possible, place your plants in sunny areas and avoid keeping them in places that are not frequently visited. plants like cacti can be kept in tea-cup sized pots and placed in smaller spaces.

Caring for indoor plants

This part is vital. Even though indoor plants require less maintenance as compared to their outdoor counterparts, they will still wither and die if you don’t care for them. Here’s how you should care for your indoor plants.

  • Ensure that they get sufficient light. This does not mean that you should keep them in direct sunlight always and get them burnt in the afternoon sun. Few hours of sunlight per week would do. If your plants are big, place them in wheeled pots. This way you can push them around to locations where they receive light.
  • Water them regularly. Water requirements of each species of plants are different. Hence do sufficient research to find out exactly how much water is needed for a plant. Also plants should never be stored in pots that lack even a single hole. Excess water should never be allowed to collect beneath a plant as it causes the roots to rot.
  • Keep pests at bay. Vegetation is bound to attract insects. Hence you should make sure that such pests don’t cause harm to your beloved plants. A mild pesticide should do the trick.

Plants are indeed a joy to have around living spaces. Having them in your home shall freshen the air and also lift the moods of people occupying that space. If you are someone concerned about environment, you should know about how green landscaping benefits the environment. Hope you found this article informative. Cheers!




The world has become a smaller place, thanks to our advancing technology. Information about anything under the sun (sometimes even about things beyond the sun) is available to us in a few clicks. In this day and age when everything is available to  professionals on the touch of a fingertip, why should a homeowner struggle to keep up with the responsibilities of owning a house ?The app market was quick to catch up on the home front and release applications that ensure an easy to maintain and more organized home. Let’s take a look at the top ten mobile applications designed with a homeowner in mind.

 1. HomeSavvy

Mobile Apps For Homeowners

Runs on: Android, iOS
Rating: 4.0
Pricing: Free

This app is basically your assistant in home maintenance.
It allows you to set a plan for home maintenance and sends you timely alerts to ensure that you stick to the plan! Chores like fertilizing the lawn, changing batteries etc will be prompted via alerts. The app also has a directory of local businesses too!

Pros:

  • Allows customization of home maintenance schedules
  • Alerts to remind user about tasks
  • Explains DIY tasks
  • Provides preventive methods to save money

Cons:

  • Flexibility is limited
  • Minor bugs on some devices

 

2. Billminder

Billminder App

Runs on: Android, iOS
Rating: 2.4
Price: $1.99

Falling behind on your insurance, electricity, gas or other utility bills can sometimes be troublesome. It will cause a financial penalty too. Hence this is something that no homeowner wants to forget about. Billminder makes sure that it does not happen. Billminder sorts your bills as per  their due dates and alerts you about it. You can even set up for an autopay option. Use this app to make sure that you never have to pay a late fee ever again!

Pros:

  • Tracks all your expenses
  • Personalised charts and reports
  • Syncs important data

Cons:

  • Bugs are not uncommon
  • Displays duplicate bills in some cases

 

 

 

3. BrightNest

Brightnest App

Runs on: iOS, Android
Rating: 3.8
Price: Free

This is an IOS app that assists a homeowner to keep his/her home neat, clean and shiny. The app helps you do home tasks by providing you with a set of simple instructions. It also allows you to a set a schedule for your home maintenance regimes and even alert you to make sure that you stick to the schedule. Be it home decor or cleaning guide, BrightNest provides you all the information you need regarding your home!

Pros:

  • Good performance. No spamming

Cons:

  • Minor bugs and inconsistencies

 

 

4. Priority Matrix

Priority matrix App

Runs on: Android, iOS
Rating: 4.0
Pricing: $2.99

This is an award winning and highly effective task management app. Though this was not designed with a homeowner in mind, many homeowners have attested to the fact that they found this app very useful to perform household tasks on time. Use this app if you are someone who often forgets about urgent tasks around the house.

Pros:

  • Very effective productivity management app
  • Free cloud sync

Cons:

  • Requires an online account

 

 

 

5. Dream Home

DreamHome App

Runs on: Android, windows, iOS
Rating: 3.5
Pricing: Free

Any color, design, decor needs are tackled by this app. You can find inspiring ideas on how to color your home or style your home by looking through the high resolution photos in the app’s gallery. Famous interior designers from around the world have contributed to the gallery. This can in a way be considered as the electronic replacement for magazine clippings that we carry to convey our point across to the sales representative! The paid version is priced at $2.99.

Pros:

  • Large gallery of pictures
  • Designs from world famous interior designers

Cons:

  • Limited use

 

6. HomeLogic Mobile Control

Homelogic App

Runs on: iOS
Rating: 3.5
Price: FreeIf you can access information at the touch of a fingertip, why not do things too? HomeLogic lets you control the lighting, heating, alarm and audio systems through your mobile phone! Working over wifi or Internet, the app is highly useful for controlling already installed HomeLogic products around the house.Pros:

  • Easy and powerful interface
  • Good functionality
  • Optimized for iPhone 5

Cons:

  • Not available on non-iOS devices

 

 

7. Aroundme

Aroundme App

Runs on: Android, iOS
Rating: 4.1
Pricing: Free

Perfect for homeowners who are new to the area. Like the name suggests, the app tells you about all the local businesses, restaurants, grocery shops and anything important around your new home!

Pros:

  • Highly useful for people who are new to a neighborhood
  • Easy to use

Cons:

  • Is inaccurate at times

 

 

 

8. Photo Measures

Photo Measures App

Runs on: iOS, Android, Windows
Rating: 4.3
Pricing: $2.99

Measuring your room with your tape and then writing it on paper is so out of style. Do it the cool new way using Photo Measures! Using this app, you can simply take a photo of the room and write in it’s measurements. Hassle free and easy!

Pros:

  • Highly useful for a variety of professionals

Cons:

  • Crashes have been reported
  • Reload fails often

 

 

9. My home Scr.App.book

My Home sca.app.book

Runs on: Android, iOS, Windows
Rating: 3.2
Pricing: Free

Great to have in case of a peril. Let’s face it, things will go wrong and disasters can happen. And when it does happen, it’s great to have this app on your phone. My home Scr.App.Book lets you take pictures of your home, place bar codes on your possessions and sorts them based on which they are in. Great to use while determining how much insurance you are going to file claim for.

Pros:

  • Useful for estimating insurance claim amount
  • Easy to use

Cons:

  • Errors reported while exporting inventory
  • Minor bugs

 

 

 10. Home Budget

Home Budget App

Runs on: Android, Windows, iOS
Rating: 4.2
Pricing: Free

A very popular money tracking app for homeowners. This is an integrated app designed to make your expense tracking simple. You can input your income and expenditures and and obtain assistance for budgeting.

Pros:

  • Photos of receipts and bills can be attached
  • Budget rollover

Cons:

  • UI not up to the mark
That’s our list of top 10 homeowner friendly apps. Do use them for an enhanced and easier homeownership. Now why don’t you tell us about your favorite home maintenance apps so that the other users could use them? We look forward to hearing your suggestions. Cheers folks!!



Next to the so important health insurance each individual should have, there stands as second in line the home insurance. For homeowners, the home insurance is a specifically well tailored preventive measure any damages should happen to their property. The most important fact before you settle for one certain type of home insurance policy, is to ask yourself which kind of insurance do you actually need.

Home insurance

For example, if you live in a high risk area where floods happen quite often, then you should take an extra option for flood insurance. Certainly because your property lies in a high risk area, the flood insurance for your home is an extra option, it will not be included in the policy, and it will cost more. It is you, who should decide whether you need it or not. Bear in mind that it is not only the physical property which needs protection, but also your personal belongings (i.e. jewelry), and don’t forget about personal liability issues. Find the quickest way to get insurance quotes compared online.

The market offers you plenty of choices, and that is why it is so hard to make a choice. Settle your priorities first, see how much you can afford to pay for the insurance premiums and which are those aspects which definitely need insurance coverage. You have to watch out for the advertisements which offer too high discounts, but little or not effective coverage for you. The points where you can save when buying a home insurance is basically if you apply for one online (can bring you up to 15% savings), there are also certain new buyer discounts, plus if you make no claims for a number of years since you have the insurance, that could lower the price of your insurance with as much as 50% in some cases.

Some of the main coverage factors within a home insurance policy should contain:

  • Buildings cover
  • Contents cover / Contents lost or even damaged when moving
  • Theft from garages
  • Lost/damaged business equipment
  • Alternative accommodation for the insured when needed
  • Food in the freezer / money in the house

Certainly the amounts to which the above mentioned situations are covered for, differs from one insurer to the other, but these should be contained in a standard home insurance plan. As for the extra options you may choose, these are plenty, and each homeowner chooses according to his needs and best interest. On the extra options list you may settle for Accidental Damage, which simply means protection for accidental damage of your stereo equipment for example. Then, the personal possessions cover is yet another extra option, which compensates you for loss of money or credit cards up to a certain coverage

limit, or accidental damage loss or theft of personal items. The family and legal protection extra option will offer coverage for almost any legal costs up to a certain amount, disputes revolving around employment issues, or property and inheritance related ones. Plus, the home emergency option will offer a helping hand in case your door lock breaks, your electrical heating fails, so that you don’t have to worry about the incurring costs a professional would charge for an emergency repair to your home. Check and discus with your family all the available options pertaining to home insurance in general, and settle for the one which is the most affordable and efficient regarding your personal needs.




Americans buy home warranty to protect themselves from repair and replacement costs of home appliances that fail due to normal wear and tear. Unfortunately a lot of policy holders feel let down by the result after filing a claim with their warranty company. Some people are ignorant that they have the power to dispute the outcome of a claim when one is filed; others are conscious that many customers succeed when they dispute a claim correctly. The procedure involved in disputing a claim can be extensive, but can be worth time investment.

Home Warranty Claims

A home warranty is a service contract that covers systems and items in your home that are usually not covered by homeowner’s insurance. Furnaces and outside air conditioning units, plumbing and electrical systems are items commonly covered under a home warranty protection plan. The homeowner requests a claim with the warranty company when a covered item requires repair. Some home warranty providers repay the homeowner for the cost of the repair while others send a contractor directly to the home for repairs.

Common Causes of Home Warranty Claims Denial

You should look at these factors carefully for any items that you estimated to be covered by the home warranty contract you aim to procure. Make sure you read the contract one more time and understand the reason for denial. In some cases, even courts cannot help you if the claim was denied for a reason clearly stated in the contract.

So what are some of the common reasons for denial of claims on home warranty?

  • Lack of Maintenance – You are supposed to take care of cleaning and maintenance of appliances. HVAC units must be serviced every year and you should keep maintenance records.
  • Code Violations – If any of your appliances violate safety and installation codes, they won’t be covered.
  • Unusual wear and tear – due to reckless usage etc.
  • Improper installation – This is where having a home scrutiny done by a professional is so significant. Paying out a few hundred dollars for this kind of assessment could save you thousands of dollars and years of annoyance. For instance, if the HVAC system was not installed properly, or if the defect existed before the new buyer takes ownership, the claim could be denied. If the seller is reluctant to deal with issues that are found in a home inspection, think two times before you close on that home.
  • Excluded appliances Clause – Not all appliances are covered. Your service contract lists all covered appliances. Make sure you are okay with the coverage.

How to Dispute Home Warranty Claim Denials

Always be polite and be friendly with customer service professionals. They will go an extra mile if they like you. The first step should always be that you speak to customer service supervisors and their bosses who make the decision. Assuming those steps did not result in a favorable outcome, you can follow these escalation steps:

  • Step 1: Verify your home warranty documents. The definite steps you have to take with the home warranty company to appeal a petition for denial must be listed in the documents.
  • Step 2: Make contract with your home warranty company. Keep a record of all dates and times you talk to a company representative. Obtain the names of every person you speak to. Inquire for the required paperwork to demand a denial of your warranty plan.
  • Step 3: Get the problem re-estimated by a third party. Speak to a local contractor or repairman and get a written estimate for the repair. Have the professional note in writing of what he thinks is the reason of the damage.
  • Step 4: Pursue the warranty company’s appeal process. Some companies want mediation actions be started by and finished by you before the issue can be taken further. Provide any documentation demanded by the company.
  • Step 5: Approach Better Business Bureau (BBB.) Most companies are willing to resolve your issues and close BBB complaints to have a clean record.
  • Step 6: Call your State attorney general’s office. The attorney general’s office normally deals with warranty fraud and service denials.
  • Step 7: File a complaint in small claims court if your claim is small enough. Small claims courts are confined on how much money you can file for a suit. Ensure with the small claims clerk’s office to settle on if your claim falls under the limit.
  • Step 8: Get hold of an attorney for larger claims. Verify with your local bar association to locate an attorney knowledgeable in real estate and denial of service matters. The permissible charge for an attorney differs by area, but usually you will be able to sue the warranty company for the lawyer charges you paid other than your claim.

 




The leading real estate portal Angie’s list has released its annual list of best and worst rated companies based on member surveys. Home Warranty companies topped Most Complained List for 3rd Straight Year. Thirty-eight percent of the reports for home warranty companies were “F” grades. In addition, architects, structural engineering and solar panel companies made the bottom ten for the second year in a row. Angie’s List collected nearly 300,000 reports in 2007 from members who graded service companies on overall experience, price, quality, responsiveness and punctuality.

Complained

Here is the list. Visit Angie Hicks Blog to read the complete article Angie’s List Top 10 worst grade earners:

1. Warranty companies

2. Home builders

3. Furniture sales

4. Internet service providers

5. Architects

6. Structural engineering

7. Solar panels

8. Taxi/Shuttle service

9. Entertainment/party services

10. Mattresses

Angie’s List Top 10 best grade earners:

1. Veterinarians

2. Dog walkers

3. Piano tuning

4. Animal training

5. Hauling

6. Hair salons/barbers

7. Upholstery cleaning services

8. Animal/house sitters

9. Window cleaners

10. Lighting services




  1. What is home warranty?
  2. How does a home warranty work?
  3. What are the major appliances covered in home warranty?
  4. What is not covered in home warranty plan?
  5. What is Optional Coverage?
  6. How much does a home warranty cost?
  7. Who pays for home warranty coverage?
  8. When does coverage begin?
  9. What are deductibles or  service call fees?
  10. What Can Cause Denial of claims?
  11. What is home inspection?
  12. How do I request for warranty service?
  13. What if you have an emergency over the weekend when the service is not available?
  14. How long does it usually take to provide service, once it is requested?
  15. What is the replacement policy?
  16. How is a home warranty different from a manufacturer’s warranty that is available with most appliance purchases?
  17. What is home buyer’s protection?
  18. How does a Home warranty plan work?
  19. Can I renew my home warranty plan?
  20. Is the value of Home Warranty worth the cost?
  21. I have homeowner’s insurance, then why do I need a home warranty?

Frequently Asked Questions about Home Warranty:
1. What is home warranty?
Top

Home warranty or appliance protection plan is a service agreement that  covers your household appliances and systems during breakdowns thereby protecting your budget. When an insured device malfunctions it is either repaired or replaced. There are various types of Home Protection plans available in the market today.

2. How does a home warranty work?Top

In case of an unexpected appliance/ system breakdown, you can open a claim by calling the customer support or reporting it online, following which the home warranty company sends a technician to fix the issue. Most companies have round clock customer service facility to process claims. Once the report is processed, contractor assistance will be scheduled as per your convenience.

3. What are the major appliances covered in home warranty?Top

Most basic plans cover major appliances and systems like heating, air conditioning, plumbing systems, electrical appliances, kitchen and laundry appliances or any other key units. For a detailed list, refer to What is covered by home warranty.

Some Standard coverage may also include appliances like-

Plumbing stoppages, toilets, sump pump, bathroom whirlpool motor pump, recirculating hot water pump, water heater, heating and duct work, telephone system, central vacuum system, garage door opener, ceiling fans, attic and exhaust fans, smoke detectors, doorbells, dishwasher, range, oven, cooktops, built-in microwave, instant hot water dispenser and trash compactor.

4. What is not covered in home warranty plan?Top

Warranty covers only those systems and appliances, specifically mentioned as covered in the contract and excludes all the others. The contract does not cover system or appliance failures that occur due to lack of maintenance, natural hazards, theft or other crimes.

5. What is Optional Coverage?Top

Additional or optional coverage is the extra coverage you buy from a list of add-on items such as kitchen appliances like refrigerator, oven, washer/dryer, air conditioning, pool and spa equipment. Roof leak repairs are also available for purchase at an additional fee at the time of signing a contract.

6. How much does a home warranty cost?Top

Typical home warranty expenses are as follows:

Annual premium, which would be around $300 to $500 for basic appliance coverage and a service call fee per incident, which comes to around $40 to $70. This fee varies from company to company.

7. Who pays for home warranty coverage?Top

It depends. Generally the buyer pays the cost of a home warranty policy. However, the seller may buy a policy for the buyer to avoid certain liabilities that may occur after the closing a deal. You can also buy a policy on existing homes.

8. When does coverage begin?Top

For sellers: Usually the coverage varies from company to company . Coverage begins when the enrollment form is received and continues through the listing agreement period.

For buyers: Coverage begins at closing (when title is transferred and payment is received).

For Existing Homeowners: Generally coverage is effective 30 days after receipt of funds. Check with the contract guidelines to confirm on the duration.

9. What are deductibles or  service call fees?Top

A standard service fee/deductible is a nominal fee charged each time you raise an issue. Some repairs may require more than one service partner or several unrelated visits to the house by the same service partner, and a service call fee is charged for each visit. If a contractor has to order parts and come back to your house at a later time to complete the repairs, this visit would not require an additional deductible. Fee varies from company to company, but it is generally between $40 to $100 per incident. Some companies have zero deductible home warranties

10. What Can Cause Denial of claims?Top

Denial of claims may be caused due to code violations, unusual wear and tear, improper installation, pre – existing conditions and in some cases issues due to improper maintenance. Some companies however, do cover damages resulting from lack of maintenance. For further details, refer to your warranty contract.

11. What is home inspection?Top

A home inspection is a procedure in which a home inspector investigates the comprehensive information about property conditions. He/she analyzes the description of problem in a written report and recommends further evaluation if required. Normally every Inspection report is guaranteed for 30 days.

12. How do I request for warranty service?Top

You must have received your Home Protection Kit after having purchased warranty coverage within which you will be able to find all the information and materials you need on  the service contract. You have several options, you can locate the toll free numbers of the service providers and place a call to them.  Your call should be immediately answered by a customer service representative who will expedite your request. Most companies have a customer service wing that functions round the clock.

13. What if you have an emergency over the weekend when the service is not available?Top

Most warranties come with an emergency repair service option. You may simply contact customer service toll free number and report the problem. Normally customer support works for 24 hours a day, 7 days a week and 365 days a year. They will schedule the dispatch of a qualified service technician as early as possible. Following which, the technician can rectify and sort the issue.

14. How long does it usually take to provide service, once it is requested?Top

It usually takes 48 hours, following the acceptance of your claim, to provide you with a service call. In case of an emergency, the service time may be much quicker.

15. What is the replacement policy?Top

If the damaged item is covered under the policy, the technician will normally fix it on the spot. Warranty Company may provide the cash payment on repair or replacement. If it is diagnosed that the covered item is not repairable, or it is not cost effective to repair, the appliance may be replaced with a new product with the similar primary functionality and capacity. But the company may not be able to provide exact match in color, dye, material, type or brand.

16. How is a home warranty different from a manufacturer’s warranty that is available with most appliance purchases?Top

Manufacturer’s Warranty is designed to cover factory defects of a new product.  It is of  limited duration, normally for a period of up to one year and covers only ONE appliance. But home warranty covers a whole range of appliances which are usually aged and stand higher chances of breakdowns.

17. What is home buyer’s protection?Top

A home buyer’s protection plan is a service contract that covers repairs and replacements of  insured appliances and systems like electrical, plumbing and heating systems and built-in appliances that are not covered by regular homeowner’s insurance.

Home warranty coverage varies from company to company. It is very essential that you read the terms and conditions of the policy before choosing one that is suitable for your requirements. Most of the standard policies cover plumbing and heating appliances, but if the cooling units are not covered under the basic plan you can still include it by paying an additional fee, into your policy.

18. How does a Home warranty plan work?Top

Though there are different plans available in the different warranty companies, most plans function in the same way.

Step 1- In case any of your systems/ appliances stop working, you need to call your home warranty company and inform them about the fault.

Step 2- Home Warranty company contacts a service provider with whom they have contracted.

Step 3- Now, the service provider calls you (home owner) to fix an appointment.

Step 4- Issue will be fixed by the technician who visits your house. In some rare cases if the appliance could not be repaired and needs to be replaced, based on the conditions mentioned in the contract, home warranty company will pay for the replacement of the appliance.

Step 5- As a small out pocket expense, you may need to pay for each service request. You may have to pay a Trade Service Call Fee of around $50 per visit. Some companies offer plans that do not charge any service call fee.

19. Can I renew my home warranty plan?Top

Usually the home warranty coverage plan begins 30 days after the payment receipt or on the day the sale closes. The coverage plan generally covers the appliances for 365 days from the date the policy is active.

When your original home warranty expires, you have the choice of renewing your existing warranty. Before deciding on extension of home warranty duration, it is essential to know whether the existing warranty is really beneficial or not.

Home Warranty Company will send the notification to the warranty holder regarding the renewal of coverage. The homeowners will be notified about the expiration date in advance and will be provided with a variety of convenient payment options.

20. Is the value of Home Warranty worth the cost?Top

If your home is newly constructed, then you may think that home warranty is not essential for first few years. But it is wise to have a warranty protection plan to protect you from costly repairs and replacements.

A standard policy usually costs around $200-$600 per year, which is reasonable and can certainly save you from spending money on repairs or replacements. However, remember that you cannot get extended warranties on plumbing, duct work, electrical or gas systems.

21. I have homeowner’s insurance, then why do I need a home warranty?Top

Homeowner’s insurance protects personal belongings and the entire house from damages due to burglary, crimes or natural disasters such as fire, lightning, tree fall  and certain other explicitly mentioned perils, but it does not cover issues caused due to wear and tear or age. Hence homeowner’s insurance can never be used to replace a home warranty or vice versa.

Home warranty plans cover your household appliances and systems from breakdowns and puts less risk on your budget. When an insured device malfunctions, it is either repaired or replaced by the warranty company. Basic home warranty plan covers major appliances like heating, air conditioning, plumbing systems, electrical appliances, kitchen and laundry appliances or any other expensive units.

Your homeowner’s insurance is a hazard insurance, and only covers items damaged due to fire, flooding, wind, and other natural disasters and perils. A home warranty repairs household appliances and mechanical systems that break down due to normal wear and tear.

 




Home warranty coupons and deals:
02/17/14 Update

As of now, many of these coupons have expired. However you can still get a price quote for home warranty on our website. This will be a free quote and there is no obligation to buy

10/11/08 Update

Choice Home Warranty is offering 25% discount on premium and $15 off of service call fee. Use the code “HOLIDAY25” here – http://choicehomewarranty.com/quote-start.php

Coupon expires on 12/26/2008

Check out our reviews section for Choice home warranty reviews

11/18/08 Update

Choice Home Warranty is offering 15% discount on premium and $15 off of service call fee. Use the code “15OFF” here – http://choicehomewarranty.com/quote-start.php
Check out our reviews section for Choice home warranty reviews

10/17/08 Update :

We found this discount deal on deal catcher forums – National Home Protection is offering 20% off, and $50 Gift card

Sign up for a new home warranty and get 20% off your monthly bill, $45 service calls (usually $60) & a free $50 Home Depot Gift card. Offer expires 10/31.

Use Promotional Code SAVE20 Check out our reviews section for National Home Protection home warranty reviews




Texas Energy (TXU) has joined hands in partnership with Cross Country Home Services (CCHS) to provide customized and unique home warranty services for existing and new TXU customers.

TXU Energy

TXU Energy is a competitive retailer that provides electricity and related services to over 2.2 million electricity customers in Texas. It is a subsidiary of Energy Future Holdings Corporation founded in 1912 with its headquarters in Dallas (Texas).

Cross Country Home Warranty Services (CCHS) offers home warranties and maintenance plans directly to consumers and through a list of industry partners. The company is a member of The Cross Country Group founded in 1978 and is one of the largest privately held providers of customer services in the US.

Through this new partnership, TXU energy consumers can avail the following services –

  • TXU Energy A/C & Heat ProtectSM
  • TXU Energy A/C & Heat Protect PLUSSM
  • TXU Energy Surge ProtectSM
  • TXU Energy Surge Protect PLUSSM

“The TXU Energy home warranty program offers superior solutions that let our customers choose the level of service and coverage they need,” said Jennifer Pulliam, director of products and innovation for TXU Energy. “We want to help our customers protect the investments they’ve made in home electronics, appliances and even air conditioning and heating because repair or replacement costs can be high.”

Both companies maintain A+ rating with Better Business Bureau (BBB), demonstrating their commitment to superior business practices which makes the collaboration with each other strong and facilitate enhanced services to its consumers.

This association is sure to benefit consumers as claims are as simple as a phone call to CCHS’s service center, which operates 24 hours a day, 365 days a year. And all customers who sign up for a home warranty plan receive up to a 15 percent discount on non-covered repairs and savings on name-brand appliances by using CCHS’s exclusive Appliance Buyline.

“A home warranty program is a good idea for anyone who wants to have the security and convenience of knowing that if a major appliance or system in their home breaks, they will be able to have it repaired cost-effectively and without a delay by a pre-qualified expert,” said Sandra Finn, president of CCHS. “We are proud to bring our services and consumer satisfaction commitment to TXU Energy customers, who can rest assured that we’ll always be there when they need us.”




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

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

HVAC Maintenance Plan

Plumber at Work

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

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

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

What plan do I purchase?

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

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

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

Now let’s take a look at the advantages separately

Advantage of HVAC maintenance plans:

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

Advantages of Home Warranty plans:

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

Who needs an HVAC maintenance plan?

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

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

Who needs a Home Warranty?

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

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

Still undecided?

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

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

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

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




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

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

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

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

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

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

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

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

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

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

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




Ever wondered what is the difference between home warranty and homeowners insurance ? Are they not same? Let’s find answers for these questions.

While home warranty and home insurance products may come across as same, they are totally different. The coverage, cost, terms and conditions vary greatly. Home insurance is compulsory in some cases whereas home warranty is a recommended choice.

Difference Between Home Insurance And Home Warranty

difference between home warranty and homeowners insurance

Home warranty offers protection for your major appliances, as well as plumbing and electrical units. It covers the cost of repairing or replacing major household appliances in case they break down, provided they meet the terms and conditions of the home service contract.

Home insurance covers your home in the event of damage due to natural calamity or man-made disasters and offers you liability protection from lawsuits in case of a third party involvement. If your neighbor came visiting you and accidentally fell and got injured and decides to sue you, then home insurance will take care of the claims. Home insurance is mandatory if you have a mortgage on your home.

What Does A Home Warranty Contract Cover?

Items covered by a home warranty may vary by company and plan, but typically includes the following items:

  • Heating, ventilation and air conditioning system (HVAC)
  • Electrical system
  • Plumbing system
  • Water heater
  • Kitchen appliances such as refrigerator, stove/oven/range, built-in dishwasher, built-in microwave, garbage disposal, built-in trash compactor
  • Clothes washer and dryer
  • Garage door opener
  • Coverage for pools, spas, well pumps and other items may be available for an additional fee.

Benefits Of Home Warranty Coverage

To The Homeowner

  • Placing a claim and getting your appliance repaired is lot more easier.
  • Helps save up huge costs.
  • You can get repaired as many appliances you want provided they are covered.

To The Seller

  • Home may sell faster and at a higher price.
  • Protection from after-sale legal disputes.
  • Increases marketability of home.

To The Buyer

  • Warranty coverage on major systems and built-in appliances.
  • Protects your cash flow.
  • Access to network of qualified service technicians at your fingertips.

Home Insurance

In case of an uncertain event like fire, theft, vandalism, or certain natural disasters, the cost of damages are covered. It also covers your personal items and gives you liability protection. Liability insurance will protect you from lawsuits in the event that someone is injured on your property. Home insurance will only insure your personal items in case they are stolen or ruined in a disaster. Repairs and replacements due to wear and tear are not covered.

What Does A Home Insurance Policy Cover?

The insurance policy varies depending on your state of residence and type of policy, but generally it will cover the following.

  • Structure and contents of the house.
  • Personal property such as indoor and outdoor furniture, clothes and home electronics such as computer, TV, stereo, etc.
  • Jewelry may be covered up to a certain value, or itemized for its full value, or excluded entirely.
  • Living expenses if your home is uninhabitable as a result of a natural disaster.
  • Events like theft, vandalism, fire, windstorm, lightning, hail, falling objects such as a tree.
  • Liability claims such as someone got hurt while in your property and decided to sue you. The policy will take care of it.

Benefits Of Home Insurance

Home is the most prized and cherished possession any individual can have and nobody anticipates damages to this, therefore a home insurance provides you the following benefits when you cover your home.

  • Covers accidental damages to your interiors and exteriors as well.
  • Easy to renew all you have to do is pay the premium on time.
  • Processions are covered regardless of new or old.
  • Assures you peace of mind and gives you a feeling of safety and security.
  • Pays for loss and minor damages like broken glass of a window.

Cost/Pricing For Both

A standard warranty runs $300 to $500 for a year of protection, which covers the cost of repairing or replacing a home’s major systems and appliances. Home sellers typically pick up the tab for the first year of coverage. Extended coverage plans for pools, spas and washers and dryers can be purchased at an extra cost.

Insurance cost varies from state to state and depends on the extent of coverage and the location of the property but a standard insurance can cost any homeowners insurance is between $300 and $1,000.

How To Choose A Home Warranty?

When you are planning to buy a home warranty, make sure that you do some research. Check our home warranty reviews section that provides pricing, comparison, quotes and consumer reviews of all major companies. When you are getting price quotes, inquire to look over a sample policy. Bear in mind to understand the entire policy, together with the fine print.

Another advantage of home warranty policy is that it is transferable. That means when you sell the house the warranty would be passed to the new owner. This has proved to be a well-liked feature amongst home buyers as homes having home warranties are selling at increased prices and in much shorter times. This in itself could make it sensible to get a home warranty policy.

How To Make A Claim?

When a covered appliance breaks down you need to contact your warranty company. A warranty company already has business ties with different service vendors. They will in turn contact a service repairman to come to your home and repair the appliance. The repairman will fix the item or recommend replacing it. The service repairman will bill your warranty company directly, but you have to pay a service charge when the repair person visits your home.

How To Choose Home Insurance?

With any kind of insurance, it is always a good idea to shop around and evaluate benefits and prices as most insurance companies will provide you a policy discount. Ensure you read the policy before writing a check and ask any queries that you have in mind.

So, the conclusion is that home warranty and insurance are complementary to each other. You can choose to protect everything you own, provided you can afford to. Keep in mind that these insurance products do cost a bit more, but compared to the benefits they provide and the peace of mind you get, it seems like a very small amount. Insure your home as well as buy a home warranty all within your budget.

 




This infographic depicts the most basic definition of what a Home Warranty is all about. Although the title says that it is for dummies, we’re sure that even people with average/ above average intelligence can keep up!

Now, an appliance warranty is a form of protection your purchase for your household appliances and systems. It is a contract that offers to provide you discounted repair and replacement services should your device sustain any damages.

Home Warranty Dummies

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Coverage

As you can see in the infographic, all major systems and appliances are covered. Now that would include refrigerator, built in ovens and microwaves, washer/ dryer, HVAC units and major systems like plumbing and electrical units. Additional coverage can always be purchased, so you can rest assured that all your devices can be protected!

How Does Home Warranty Plan Work?

This is how it works. When your covered device gets damaged, you simply place a call to the warranty company explaining your situation. If the damage is not an excluded one, your claim will be taken up. The warranty company then sends a technician to your home to fix the damage.

Claims

Let’s discuss the claims part. Like we said, when you notice a damage, all you need to do is inform the warranty company about it. Did you notice that title saying “Common reasons for claim denials”? Yes it is true. Although this does not happen often, it is still noticed that companies often deny claims. The grounds for claim denial varies from company to company and can be understood only after you go through their policy booklet.

However, common reasons for denial are as follows

  • Insufficient maintenance
  • Improper installation
  • Code violations
  • Unusual wear and tear

Don’t worry too much about it. If you choose a reputable company, chances are low that your claims will be unjustly denied.

Premium and Deductible

Moving on, let’s discuss the premiums and deductibles involved. As the image says, the annual premium for most basic warranty plans are somewhere in the range of $250- $500. This can vary depending on the extent of coverage. Larger the coverage, higher the premium.

Each time you raise an issue, you will be expected to pay a deductible/ service call fee (it’s nominal, around $50). The happy news is that there are some companies offering plans at zero deductible.

So there! That’s what the infographic is all about. Isn’t it an awesome image? Cheers!




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

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

Pick The Best Real Estate Agent

How To Pick The Best Real Estate Agent

 

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

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

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

#1. Credentials

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

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

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

#2. License

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

#3. Tenure In The Business

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

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

#4. Listings

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

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

#5. References

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

Do Your Research

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

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




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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If you are shopping for a home warranty, also called a home service contract, and you live in Florida then you probably know you have lots of options. But how do i find the best home warranty companies in Florida? What are the top rated companies in this state? These are valid questions. Let’s get down to answering them.

Florida is often called the sunshine state, and this is justified by the weather there. Orlando, one of the most popular vacation destinations in the U.S., typically still sees high temperatures near 80 degrees Fahrenheit in November, according to weather website, Intellicast.com. Warm climates like that can really push air conditioning systems to the limit of the systems’ optimal performance standards.

Home Warranty Companies in Florida

Running the A/C year round results in much greater wear and tear and more frequent maintenance requirements. What does this have to do with choosing a home warranty company? Well, if your home is located in one of the warmer parts of Florida then your air conditioner may be one of the most expensive pieces of equipment covered by your service contract. So it’s important to choose the company that offers you the best coverage for that system.

HomeWarrantyReviews.com ranks companies based on user feedback. And that’s important because it means you’re getting honest evaluations rather than biased ones based on how much the home warranty company pays to the reviewer. In the state of Florida here is the list of top companies based on the current standings on the website at the time this article was written (September 2015).

  1. American Home Shield
  2. The Home Service Club
  3. 2-10 Home Buyers Warranty
  4. HSA Home Warranty
  5. Select Home Warranty
  6. Home Warranty of America

Chances are you’ve considered some of these companies during your search for a home warranty company. As top companies in the home warranty industry these are names that you’ll see in many states and regions in the country. But yours isn’t just any state. If it was it wouldn’t be a magnet for retirees, beach goers and vacationers of all ages, would it? As a Florida homeowner you need to know that the company you choose will come through for you when the temperature inside your home is equal to the temp outside. Let’s focus on air conditioning for a moment.

1. American Home Shield (AHS)

AHS has loads of positive feedback in their recent reviews, but two in particular stand out. During the month of September two customers rated AHS five stars for air conditioner repairs. One customer remarked that when AHS found that all of its contractors were booked to help other customers the company told the homeowner to call any local contractor who could do the work on short notice. That sort of customer service could possibly mean the difference between your air conditioner being fixed quickly or waiting days for a qualified technician to be available.

2. The Home Service Club (HSC)

HSC also has some very positive review comments and ratings from consumers who specifically mentioned the air conditioner as the reason for the service call. In one review the homeowner remarked that the repair to the air conditioner would have cost a fortune if not for the service contract from HSC. While this may seem like anecdotal feedback, it’s important to note that not all companies reviewed on HomeWarrantyReviews.com have positive feedback from customers who had problems with air conditioning systems.

3. 2-10 Home Buyers Warranty

This company has some very positive reviews from customers whose air conditioners were serviced recently. Not one of the recent air conditioning related reviews had less than five star ratings.

4. HSA Home Warranty

In recent reviews for HSA Home Warranty there are three extremely positive reviews involving air conditioning system repairs. The customers not only were happy with the repairs but also with the speed with which the repair technicians were sent out by the home warranty company. With air conditioning being so important, the time it takes to get a technician to the home is one of the most important aspects of home warranty services.

5. Select Home Warranty

Out of six recent reviews which specifically mention the air conditioner being the reason for the service call, five of those are extremely positive. The one dissatisfied customer was upset due to a problem with the expiration and renewal period of the home warranty.

6. Home Warranty of America

HWA has six recent reviews that involved air conditioning. While it’s possible that even more of the reviews involve air conditioner issues, we will focus on these six. Five of the six reviews were highly positive, all earning the maximum number of stars from the reviewers. The one unhappy customer was a landlord who felt the technician sent by HWA did not make the correct judgement regarding the problem with the air conditioning system problem.

Are you starting to see a trend?

It’s not coincidence that these first three companies have overall high ratings from customers in your state and in other states. And though the companies deserve credit for the satisfied customers it’s important to note that the contractors they work with are also a big part of those good customer experiences. That leads us to the next point to consider. What type of contractor coverage do these companies have in your area?

If you live in a densely populated part of Florida then chances are any of these top rated companies will have sufficient contractor coverage to cover any repair needs that arise in your home. But if you live in a more rural part of Florida you’ll want to keep in mind that each contractor network is different. Be sure to ask about the local contractor coverage when you speak with a company about a home warranty price and coverage quote. And also be sure to ask if the company will allow you to choose your own contractor in the event the company’s network contractors are unavailable to help you or don’t have the right skill set to fix whatever is broken.

The good news is you live in a state with lots of great companies to offer you a home warranty. The bad news is you may have a hard time choosing a company due to all the options available. If that should happen then be sure to come back here to read the most current reviews for each company you are considering.