How To Own A Home Faster?

Who does not want to own a home? In fact, the sooner, the better! But with the ongoing inflation and increased property prices, buying your own home seems like a far-fetched dream. But owning a home has benefits of its own. From creating a space that defines you to re-doing the interiors without worrying about the landlord. Or be it having privacy, the perks of having your own home are endless.

Tips-to-become-a-homeowner

The increased mortgage interests and the guarantee requirements have also made it difficult to find your own abode. But there are ways can help you earn more, save better and realize your dream sooner than before.

The Way To Dream Home

People love to own a  big home that’s cozy and have ample space for all their belongings. It becomes difficult to carry things from one place to another while staying in a rented apartment. With your own home, you have the luxury to set your dream closet and fill in the place with the most drool-worthy ideas. Buying a home forms a big part of the great American dream and we tell you ways that can help you realize the same.

1.    Climbing-Up The Ladder

We all know that the home of our dreams may take us a little too long to save up for. In such a case, investing in smaller properties and then benefitting on the increased values will not only give you a huge profit but also help you pay a bigger sum as down-payment and hence avail lower mortgage interest rates.

For such a procedure, climbing up the ladder is the way as you cannot expect to buy your dream home right away. Also, there is an added risk of losing money in case the prices drop. So, it is suggested to do your research before investing in such a plan and hire a trusted realtor who genuinely wants to help you achieve your dream.

2.    Accessing The Schemes

There are several schemes available in the market that offers added benefits to first-time buyers. These schemes can be backed by banks or the government. Thus, it is important to stay updated of all the available and upcoming schemes in the real-estate market.

Housing schemes by US department of Housing and Urban development could not only offer you lower interest rates but also have the benefit of being a first-time home buyer by offering perks on the down-payment.

3.    Save-Up

There is no easier way to pave your way to your home than saving up each penny possible. It may require a lot of effort and sacrifice but once you are able to book your own home, it will be all worth it.

Giving up on expensive clothing, dinners and parties could be an effective way to kick-start the savings. Renting a home and investing in a car that actually meets your requirement to save a little more is sensible. Finally, investing in gadgets and other valuables that depreciate in value should be avoided to achieve your goals. Enrolling in a trusted home warranty plan will also help you save on regular expenses like repair & maintenance of home and appliances.

4.    Joint Ownership

Buying a property in collaboration with a friend or a family member and paying off the debt is a good idea to avoid the hike in prices. Buying a home today will shield you from the future increase of pricing. This gives you a sense of deep relief as you know that you handled the loan mortgage terms efficiently. 

However, the terms should be clearly discussed and mentioned in the contract to avoid any future disagreement.

5.    Lease To Own

This is another effective method to own a home early. In this scenario, you rent a place on lease basis from a homeowner until you find yourself capable enough of making the down payment and can finally transfer the ownership to your name. The same can be mentioned in an agreement detailing the terms & conditions of acquiring the home on a future date.

This way, you will be living in your future home right from the beginning and will have flexibility in terms of renovation and changes in the home. Also, home warranty plans can help you save on those extra expenses by covering it for you.

6.    Family Help

The family is always here to help us out no matter what. Therefore, seeking a helping hand from parents or siblings who have saved enough is likely to be the best resort to buying a new home for first-time owners. This will also prevent you from all the added stress and assure you of no hidden terms & conditions.

You can also pay them back as per your understanding and can lend a helping hand with their needs.

7.    Secondary Job

Everyone has a hobby or a favorite job that they excel at. From cooking to playing guitar, it could be anything. Taking up a secondary job can help you cover that extra mile with ease and buy your dream home sooner than expected. Another good thing about this is that you don’t have to learn a new skill and are making extra money with what you already have.

Make Your Dream Come True

It is not easy to save enough to buy a home. Following these simple methods, you can not only save better but also realize your dream of a perfect home. You can also save money by cutting down on regular expenses like repairing appliances which failed unexpectedly by intelligently shopping for a home warranty plan. It may seem to be difficult but once you start researching, you will only discover new methods to save more every day. You will always win given the advent of the internet and it is the super highway of information.






Maintenance has never been about just appearance and aesthetics – more than anything, it is vital to maintaining your home and its appliances for safety. From electrocution to sparks, and short circuits to full blown fires, faulty electrical wiring can be extremely dangerous and must be dealt with caution and professional expertise.

What To Look Out For In Your Electrical Wiring System

Wondering how you know when to check your electrical wiring systems? Besides the fact that a routine check of all your sockets and circuits is recommended at least once a year, there are a few signs to look out for when it comes to possible electrical damage

Electrical wiring maintenance tips

  1.   The presence of live current in switch boards and sockets, however mild they might be, can be a sign that your wiring has been exposed to water or is not getting earthed right. If a switch in the washroom or kitchen gives you even a tiny shock when you turn it on and off, chances are that there is an issue.
  1.   Notice frequent dips in voltage, flickering lights once in awhile or bulbs fusing more often than they should? Definitely a sign of internal electrical wiring damage.
  1.   Appliances can get damaged by short circuiting, but there are times when the only sign of the fluctuation or short circuit is through the appliance malfunctioning itself. If your plug sparks when it is in the socket or an adapter heats up and doesn’t work even though the voltage is appropriate, then there could be a problem with the electrical outlet.
  1.   Each circuit board has a specific limit to the load it can take, but within that limit, the appliances connected to it should function perfectly. If the turning on of the dishwasher or air conditioner causes lights to dip, the circuit may be damaged and unable to take the load.
  1.   Besides visible signs, make sure that you keep an eye out for open wiring being chewed by rats or raccoons in the attic, or rainwater accumulating around the circuits in the basement. Even though the impact may not be immediate, any noticeable damage to the wires can lead to serious internal havoc.

The far-reaching effects of faulty wiring bring to mind the much used saying ‘better safe than sorry’. A small investment in a professional, DIY check-ups of your electrical wiring or getting the home warranty for your home can be imperative to keeping you and your loved ones safe. Repairs are costly and maintenance is no doubt an easier way to prevent future problems, so we bring to you seven simple tips to keep track off and maintain your entire electrical wiring system.

Routine Testing

Mark your calendars and keep a monthly check on your electrical outlets, you can do this by yourself and won’t need any assistance. The testers are inexpensive – you can find them at any home hardware store. A three-prong plug, the tester will have indicator lights on each prong. As you plug the tester into each outlet, the lights indicate any problems with the individual outlet. The earlier you know the problem the easier it is to get it solved and the risk of fire or a greater electrical malfunction is avoided.

Out With The Old, InWith The New

Damaged and worn out wiring should be replaced immediately. The process is very simple and you might be able to change the wiring outlets on your own. If the problem seems to be more complicated do not hesitate to call a professional electrical who can perform the work. In fact, if such handy-work isn’t your cup of tea, a home warranty is a simple preemptive measure to rid yourself of unnecessary worry!

Original, Branded, Tested And Certified Electrical Wiring

There are many occasions where it might seem preferable to procure a cheap knock off, but substituting your wiring outlets is not a place to economize. It is ideal to choose parts that are certified by a recognized safety certification institution, as you are rest assured that the product is completely safe and has gone through extensive testing.

Water And Electricity Never Mix

This might seem the most obvious one, but most cases of electrocution are direct results of electrical appliances close to water outlets – kitchens, outdoor sockets, garages, and washrooms especially. Keep appliances as far from the taps and showers, constantly check the wiring in such parts of the house, don’t multitask with things like your hair curler and washing your hands and immediately get outlets tested if the tap or any pipes give you a shock when you touch them.

DIY Isn’t Always The Answer

If the problem seems to persist and is more than your normal wear and tear, it is best to hand over to a professional electrician and in such situations, you should refrain from repairing your own wiring. Large numbers of electrical fires are likely to be caused by faulty repairs. By handing it over to the professional, you become risk-free and it is cost effective in the longer run.

Overloading The Electrical Wiring

To help prevent power outages, make sure there are not too many appliances plugged into one circuit. Overloading is one of the widespread problems of any wiring issue. When you have too many outlets working at once that exceeds your wattage consumption, the components heat up, causing your breakers to trip or spark up. So it is prudent to know which appliances are power hungry.

All’s Well Which Ends Well!

Electrical systems should be maintained well in its entirety – outlets, cords, trip breakers, circuit box, and bulbs amongst other things – and should be replaced if they show signs of malfunction.

Bulbs are especially prone to malfunction, especially when their wattage doesn’t match that of the outlet. Open outlets are dangerous, make sure that such ones are sealed and are untouched by seepage.

Do not disregard the wattage consumption, which is a common problem with bulbs. By putting high wattage consumption bulbs, it would increase your bills and cause the bulb to burn out faster, also causing the base to heat up and in turn risking a fire.  

While you are getting your home checked for faulty wiring, you should also check the wiring outdoors, in the attic and the basement. These are places that you might forget to get checked and unattended, they could cause greater damage.

Home Warranty And Added Benefits

Even with all the steps above, maintaining the entire home’s wiring can be a task – making home warranty a worthy investment, especially during the winter season. Similar to insurance but a lot more specific in nature, Home Warranty takes care of repair and replacement of your appliances and wiring systems, amongst other things.

Repair and maintenance as a task as well as a financial burden can kill the joy of being a homeowner. The responsibilities only pile up, however trivial the task may seem, and keeping track of servicing and fixing is never easy. Taking care of both regular maintenance as well as problem-solving when your electrical system may hit a snag, Home Warranty can be life changing when it comes to the keep up of your home’s electrical wiring and appliances.

In a typical Home Warranty scheme, central air conditioning and heating systems, all appliances however big or small in your kitchen, washer and dryer of both clothes and vessels, entire electrical systems, plumbing systems, leaks, and seepages are covered for all levels of repair and replacement. Nevertheless, it is a good idea for you to do some pre-research before signing the papers!

There are a few simple ways you can get a hang of how Home Warranty works, what it covers, whether or not you need it and what plan will suit you best. Besides asking for recommendations from friends and family, reading up on consumer research based websites can give you not only a clear understanding of what you are getting into, but also substantiate the information with honest reviews from consumers.

HomeWarrantyReviews.com is one such site, giving you a comprehensive list of reviews from users across the country – many of which are specific to the laws of each state. The buying and selling of a house and all the laws that go with it are essential to follow when it comes to such procedures, making it tricky if you land up getting into a deal which doesn’t go hand in hand with the policies of the state.

The website also brings you a Home Maintenance Calculator to help you understand the expenditure your home will require in the long run, as well as awards and ratings of different companies, across the country.




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

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

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

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

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

How does a home protection plan work?

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

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

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

Before deciding on home warranty plans and policies:

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

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

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

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

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

 




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.




Getting and staying organized is a bit of a challenge for many of us. This challenge often feels impossible to meet, resulting in the individual getting trapped in an overwhelmed mode. It is probable, however to overcome the overwhelmed feeling and efficiently get your home arranged by breaking the task into smaller steps and following an organized approach to achieve each step.

Get Your Home Arranged

Reasons for getting Organized

After a tiring day at work, you require to get to place where you could take enough rest and relax for recharging your energy. No other place can be more appropriate to do that, than your own home. But, first and foremost, you need to get your home organized to make it your favorite place for relaxation.

Your house is not just a place where you take your sleep, stock up your belongings and nurture your body with food and other basic requirements. But, your home is your sanctuary for the reason that whatever happens through the day, you would always go to the place where you could ease your victories and judge your failures.

Those are the reasons why organizing your home should be a main concern if you want to keep its comfort. Since you are too busy at work and usual activities, you would find it a major challenge to get your home organized. Generally, people complain that it is hard to organize the home as there are just too many stuff that are stored in. They are too busy to fix the mess and clean the dirt regularly.

That is why the ability to get your home planned is a must for you and for everyone. Once you gain knowledge of how to get your home organized, you would surely realize that it is not a hard task. Moreover, you would surely develop the practice of being responsible and reliable in keeping your place as pleasant as possible.

Get Your Home Arranged in 7 Simple Steps

After implementing the following organizing tips, you’ll speculate how you or anyone else manages without being organized.

  1. Schedule time to de-clutter your home and do this regularly.
  2. Place your things in such a manner that there would be sufficient space for free movement within the house.
  3. Keep the orderliness of your cabinets, shoe rack and even your refrigerator. Throw away unwanted stuffs so that they would not pile up and will be trouble-free to get your home organized. If the stuffs have sentimental value, you could just pile them up in the garage or in the storage room.
  4. Keep your house hygienic and clean it regularly. Ensure there is no dust piled up at furniture and appliance surfaces.
  5. Arrange the books in the book shelf and label your compact discs and place them as per their categories.
  6. Use every room as per their proper functions to get your home organized. This would avoid unnecessary mess everywhere inside the house.
  7. Do not file the bills with personal letters and other important documents.

Keep to your goals and get your home organized. You would find that a planned home would surely make you feel good in the future as you would not be messed up inside the premises of your own sanctuary. If you still face difficulty to get your home organized, you need to consult experts.

All the Best with the re-organization!




When it comes to acquiring plumbing skills, there’s no time like the present. The idea has crossed your mind before, but you did not make the time to do it. Study the great advice in this article, and you will be happy that you finally took the time to do so, if you ever have plumbing issues.Fix Home Plumbing Problems

Learning how to put off plumbing problems such as bursting pipes, leaks, and clogged drains is simple with the right tools. Old and new homes similarly require year-round attention to plumbing details, so watching for the signs of plumbing troubles is a must.

Plumbing services can be pricey. Most homeowner want to do what they can to reduce how many time they have to call for help with their drains, pipes and other plumbing features. There are a few easy tips that you can pursue on a usual basis to lessen the need to use plumbing services in your home.

Always explore plumbers thoroughly before you make a decision to use their services. Sometimes plumbers will not be very good at their job, and can even make problems worse than they are. Ensure to look at online reviews, or ask for a referral from a family member or friend. To know more about these things check out our Home Maintenance guide.

If you pack a little knowledge and a few actions of the plumbing trade into your home care toolbox, you will be able to keep away from the kind of plumbing problems that can literally soak you.

Here are 8 tips for spotting and avoiding plumbing problems before they cause serious damage.

1. Leaky toilet. Leaky ToiletToilet repairs are one of the most common plumbing problems. While the toilets themselves don’t tire out, the working parts inside them can. Leaks are a frequent result, and one leaky toilet can waste around 78,000 gallons of water a year, sufficient to fill up a backyard swimming pool!

In case you inspect a leak, test out your theory by pouring a bit of food coloring into the toilet’s tank and waiting overnight. In case the dye shows up in the bowl the next morning, you have got a leak and it’s time to put back the flush valve, an simple job that requires only a few dollars’ investment and a little of your time.

2. Clogging shower, tub or bathroom sink drain.  Bathroom drains can get clogged quickly with hair and soap residue, which is not only a plumbing problem, but a cluttered one as well. Before you find yourself with a flooding backup, clear the way with a dry or wet vacuum, a useful trick of the trade that definitely beats time-consuming extraction with an auger.

3. Kitchen sink backup.  Grease, cooking oil and other fats can literally gunk up the pipes in your kitchen sink, causing serious plumbing problems. In its place, be smart about waste disposal and outfit sinks with strainers to catch errant items and keep them clean. Occasionally flush the drain with a few gallons of boiling water to soften accumulated soap and grease. Applications of products like Roto Rooter’s Pipe Shield can also stop kitchen clogs.

4. Main shutoff valve.  Water shut off valveYour home’s plumbing system can have hundreds of different valves, but knowing the position of just one can avoid thousands of dollars in damage to a home. The main water valve regulates the flow of all water into your home and should work properly to prevent disaster.

To keep away from severe flooding if a plumbing problem were to occur, find the main water valve, which is generally located at the lowest level of your home near the street, then test the valve to ensure it turns off properly. Suspend a large tag labeled main valve from the valve handle to make sure all members of your household can find it before the flood sets in. In case the home will be vacant for a prolonged period of time; it’s smart to shut off this valve before leaving so as to avoid a plumbing problem when you return.

5. Laundry connection.  Another important plumbing point that can be a possible problem is the set of rubber connection hoses on your washing machine, which can be a hazardously weak link in the system. These hoses can dry out, burst and allow thousands of gallons of water to rush into your home. In order to avoid this plumbing problem, check the hoses frequently for blisters and cracks, and be sure to turn off the water supply valves to the washer before leaving home for an extended period of time. Better yet, put back the hoses with steel models, and consider about installing an easy-to-reach, single-lever shutoff valve just for the washer.

6. Outdoor faucets. Keep an eye on outdoor faucets year-round to make sure they are not watering the property without your knowledge, and make repairs and replacements as needed. Once the freezing season begins, turn off all faucets and drain them for winter by loosening the brass cap on the side of each faucet’s valve.

7. Water heater.  Leaking Water heaterWater heaters have quite long life expectancies, but when one leaks, bursts or otherwise breaks down, you can be in for a waterlogged disaster. Check your water heater regularly for signs of rusting or leakage at tank fittings, and if you spot potential problem, call in a certified plumber for a more thorough check to decide whether repair or replacement is in order.

8. Old pipes.  Based on the age of your home and the water lines running to it, pipes made from bygone materials can be main sources for leaks and clogs. Old terra cotta waste lines can be broken and invaded by roots, and steel pipes are apt to internal rusting that can create quite a buildup, ultimately bursting or reducing water pressure to intolerable levels.

Broken-down waste piping can be treated with two methods:

  • Relining, where damaged pipes are left in place but lined with a fiberglass reinforced epoxy, and
  • Pipe bursting, in which a specially designed machine pulls a replacement pipe through the old pipe, dividing the old pipe separately to make room for the new.

As for steel plumbing pipes, take every chance to substitute them with up to date materials. The main horizontal pipes running through the crawl space, running from your home to the street, and pipes leading to bathrooms should be at the top of your substitution list, and sectional upgrades can be done anytime you’re making a home repair that involves opening walls or floors.

Learning a bit about plumbing can be a priceless tool to have in your possession. With the right awareness about plumbing problems and the appliances that they involve, plumbing problem prevention is easy. It can even minimize the need to call a professional for repair services.




Condos are a great substitutes to renting an apartment or possessing a single family home and they have their own unique insurance needs.

About Condo Warranty Insurance

Condo Warranty

Condo Warranty is similar to appliance warranty and provides condominium owners with coverage for repair of major appliances and home systems.

Appliances are intended to make your lives simple. Refrigerators, dishwashers, stoves, and other kitchen compliments not only assist you in doing everyday chores and prepare food faster, but they take some of the monotony out of your day and allow you more free time, as well.

Unluckily appliances, like any other piece of machinery can stop working. When that occurs, instead of saving your time and hassle, your malfunctioning appliance can actually add to your stress. This problem becomes even bigger when the malfunction occurs soon after you buy an appliance. To avoid the extra stress of dealing with faults of a brand new appliance, an appliance warranty is a brilliant tool to have in your corner.

Condo Warranty Types

When procuring an appliance, inquire if the appliance is issued by the dealer or if the appliance is covered by a manufacturer’s  warranty. Some retail chains and dealers buy appliances from the makers without a manufacturer’s warranty, so as to lower their costs. There are quite a few disadvantages to this.

  • First, if the dealer or chain goes out of business, you will probably be left without warranty at all. Whenever service is required, the dealer will fix up for someone to service the unit at no cost to you. But if you are not happy with whom they have chosen, you are caught up with them.
  • Conversely, if the warranty is covered by the manufacturer, you must be able to address any of their official service agents to get the repairs done.

Comprehend Your Condo Warranties Systematically

In case you buy a product for commercial/store use for a boarding house, townhouse, or apartment building with an ordinary kitchen or laundry room, make sure to study the warranty limitations. The majority of domestic appliance warranties are only meant for single family use.

Bear in mind that the majority warranty companies, no matter at what condition your appliance is, they would still repair it than replace it.

Condo Warranty vs. Home Warranty

Condo Warranties are there to cover you when a trouble happens due to a defect.

A home warranty is planned to cover repair and replacement costs for major home systems and appliances (like wiring, plumbing etc.). Usually, a home warranty is bought as a contract for a year, with either annual, monthly or quarterly payments.

Even if you might have to pay a small deductible when you raise an issue, with a home warranty, you will have less worries about large, unforeseen bills caused by appliance or home system breakdown. When merged with your  dealer condo warranty, a home warranty must ensure that, one way or other, if something goes wrong you will be able to manage it without breaking the bank.

About Condominium Insurance

Condo Warranty Insurance

Condominium insurance is a unique insurance intended to fit the detailed needs of condo owners. Similar to renters insurance, condo insurance offers liability and personal property protection. However, condo owners need to consider additional coverage for the building based on their condominium association’s master policy and it’s coverage.

So take a look at this article, you can learn about condominium insurance below, and then obtain a free quote to see if it can help you get the coverage you need to defend your residence and your belongings.

Why Do I Need Condo Insurance?

Condo insuranceYou possess a condo and the association has insurance. So what’s the big deal? Well, your condominium association insurance covers the condominium building, commonly owned property, and liability insurance for the association.

Regrettably there are many instances where that insurance policy won’t cover you or your things – like water damage to your living room walls, break in, or someone gets injured by slipping on your wet kitchen floor. For this reason, you need condominium insurance planned specifically for condo or co-op owners.

If something happens to your condo or townhome, it may be up to you to put back things like flooring, drywall, light fixtures, cabinets and more. That’s where condo liability insurance comes into the picture.

Many condominium associations only insure the building’s structure and general areas, typically leaving each unit’s interior construction to the homeowner. However, condo insurance coverage may also vary by state.

What Does A Condo Insurance Policy Cover?

All-risk contents coverage insures the possessions inside your home for the most common types of losses. When you have this coverage, your contents are insured for the whole thing, unless it’s particularly excluded from your policy.

Named-Perils coverage includes a catalog of the most common types of items covered under your insurance. It includes theft, fire and water damage. All the items are clearly listed in your policy booklet so that you have a thorough knowledge of what your insurance policy covers.

A standard home policy usually offers for the Actual Cash Value (ACV) replacement of your possessions. This means you only obtain the value of the item, less reduction. For instance, if you bought a TV 5 years ago for $500, you might only receive $100 for it if it were damaged in a fire. Even if it may cost you $600 to substitute that same TV, your insurance would only give you $100.

Many people opted to add the Replacement Value option to their contents coverage. Replacement value coverage means that the contents of your home are insured for the amount it costs to replace them. When you substitute the item(s) with a similar kind and quality, within a definite time, the insurer will pay you what it cost you to replace the item(s). This means if your 5 year – old TV was lost in a fire, you would obtain the full amount it would cost to replace it.

When you replace the item(s) with a similar kind and quality, within a specified time, the insurer will pay you what it cost you to replace the item(s) not what they were actually worth in their used state. This means if your 5 year-old TV was lost in a fire, you would get the full amount it would cost to replace it, even if that is more than you paid for the TV in the first place.

Detached Private Structure. This type of coverage applies to structures that belong to your property, but that are not connected to your primary residence. For example, a separate garage could be integrated under this coverage. There is normally a definite limit to this kind of coverage, but you can always increase that limit by buying additional coverage options.

Additional Living Expenses. If you are compelled to leave your home because of a loss, this coverage pays for your logical and necessary expenses to momentarily live away from home. Hotel and food expenses would be covered under such circumstances. There is generally a limit on this kind of coverage.

Personal Liability. Liability insurance guards you from having to pay damages to people, if you have been found liable for accidentally injuring them or damaging their property.

Voluntary Payments for Medical Expenses. This covers medical costs if someone unintentionally hurts themselves as a result of your personal activities or the way you have kept your building. It also covers injuries caused by resident employees.

Voluntary Payments for Damage to Property. The unintentional physical damage to the property of others is covered. It may also be caused by your pets or animals, or by actions of your resident employees. This kind of coverage would also comprise the intended acts of other insured persons under a certain age.

Improvements and betterments. Investing money to get your residence better increases the worth of your investment. The Improvements and Betterments Protection recompenses you for all the additional you have put into your condominium – on top of what the builder initially provided for you, up to the limit of your replacement value.

For example, your unit was initially furnished with a $5000 medium-grade carpet. You want to upgrade to a high quality carpet, valued at $10,000. The ‘Improvements and Betterments’ protection will guarantee that you obtain the full value of your new carpet in the event of a loss. So if there were a fire, and the builder only gave you $5000 to cover the value of the original carpet, the insurer would give you the remaining $5000.

Supplemental Coverage. Aside from insuring your betterments, you may also need to insure your condominium unit itself. This will ensure that you are sheltered should the corporation’s insurance not fully cover a loss to your unit.

Loss Assessment. A significant feature of a condominium insurance policy is loss assessment. This is when you share liability with others for common property. The insurer will shell out, up to a set limit, your portion of any particular assessment that’s valid under your condominium corporation’s governing rules:

  • If it’s due to a direct loss that influences a shared part of the premises and if it has been caused by an insured hazard
  • If it’s due to legal liability arising out of shared ownership of common areas of the condominium premises
  • Providing that the assessment has not been made essential because of a deductible in the corporation’s own insurance policy

Condo Insurance Quotes ProvidersCondo insurance quote

You are likely finding out there are a lot of decisions to make and details to work out before you make a choice.

The home insurance agents recognize that a condominium is not a traditional home. However, it does need homeowners insurance of a particular type. In case you want to protect your condo, ensure to inquire about how condo insurance differs and what it covers.

Homeowners insurance agents who focus on condo insurance are an exceptional resource. In all reality, you are asking for tailored homeowners insurance quotes, when you ask for condo insurance quotes. So there is guarantee that you are receiving what you actually require in a policy.

Ensure you speak with a Condo Insurance Professional

All agencies or insurance types are shaped equal. Make sure that when you get condo insurance quotes,  you follow up with the insurance agents who offered you with the quotes, so you are alert about all the details before you invest in a policy.




While appliance protection plans are always a wise purchase if your appliances are older than 4 years, you still have to make sure that you chose a home warranty company that has a good reputation. It has been noticed that companies sometimes deny our claims on vague grounds, often quoting fine print from the contract. One major such reason stated for denying claims is lack of maintenance.

More than a handful of customers have reported that their claims were denied stating that the device was badly maintained. While it is understandable that customers feel cheated, we still have to realize that since contracts explicitly mention that lack of maintenance issues are not covered, we can’t expect the company to repair such devices.

Claim Denials for Right ReasonsHome Warranty Claim

Let’s take a look at a story that happened sometime back. A lady bought a home warranty contract thinking that she’ll get some budget protection. Her appliances were well over 4 years old. She briefly breezed through the contract and assumed that except for damages due to hazards, thefts and some explicitly mentioned perils, every other damage was covered. One day, her radiator breaks down. She informs the home warranty company and they send a tech to take a look at the device.

The tech finds out that the device was never serviced for quite a bit of time which eventually led to its breakdown. He innocently reports to the same to our lady who gets mad at the tech and the company. The lady then decides to write about this incident on the internet without realizing that the fault could be on her part. She did not get her devices serviced nor did she read the contract carefully. The company’s reputation suffered due to her carelessness.

Claim Denials for Wrong Reasons

Now let’s take a look at another story. Yet another lady bought a home warranty contract from a company that was not really famous nor did it have a good reputation. She paid her premium and she was a good housekeeper who regularly got her appliances serviced. She turned to her warranty company when her refrigerator malfunctioned. This company then sends over a tech who diagnoses the issue to be one caused due to lack of maintenance. The lady was distraught. She was sure that the issue was something else but what choice did she have? The company in question here, operated without ethics and refused to repair a damage that was legit. This incident too leaves the lady furious and in a position where she would definitely bad mouth the company.

So you see, like a coin with two sides, the home appliance warranty industry too has a good side and a bad side. There are cases where genuine claims were denied just so that the company can make a profit and there were cases where the denial was genuine and the customer could just not accept it.

We understand that nobody wants to encounter such unpleasant experiences. We can’t make these warranty companies behave themselves, so what we can do is to make sure that we don’t associate ourselves with companies that have a bad reputation or are fraudulent.

Improve your Claim Approval Rates

Here’s a list of things you can do to avoid any disputes and conflicts

  • Always, we repeat ALWAYS pick a company that has a good reputation. Consider multiple options, read online reviews, talk to your friends and family, visit the company’s office if possible before you zero in on a company.
  • Never ignore the documents. Always read the policy booklet and the contract thoroughly. You can get someone to look at it as well, just to be on the safer side. Before you sign, make sure that you understand how the plan works and what is excluded and included in the coverage.
  • Pick a company that has a round the clock customer support.
  • Some companies recommend a home inspection prior to signing the contract. They do so, so that pre-existing issues can be detected. If the company does not conduct an inspection, it could be a potential problem. In future, they may deny your claim saying that it was a pre-existing issue. To save yourself, get your home inspected by a professional inspector even if the warranty company does not recommend one.

The bottom Line

We are a team of likeminded people who built HomeWarrantyReviews.com to provide genuine feedback about the industry to its customers, so we are not here to praise the industry or cover-up their mistakes. In the time that we spent here, which is over 9 years, we have come to realize the following:

  • Not all feedback and stories provided by customers are completely true
  • Not all companies are rip-offs
  • Most of the unpleasant incidents reported  occur due to a lack of understanding between the customer and the warranty company.
  • Fraudulent companies exist and one must practice caution so that they don’t end up being cheated.
  • Good experiences are often unreported.

If you keep all these points in mind, we’re sure that your experiences with the home warranty industry will be a pleasant one. Cheers!




American Home Shield is one of the most widely acclaimed and also the biggest player in the home warranty industry. With over 40 years of experience in caring for its patrons, AHS has established itself as a leading home protection plan company. While the company is highly reputable, there have been cases where lawsuits were filed against the company and some of them have resulted in AHS agreeing for settlements. One such lawsuit against American Home Shield resulted in a settlement, even though the company did not admit any illegal behavior or liability in the settlement.

Did AHS Really Violate RESPA Act?

During the settlement of two lawsuits against AHS in which the company was accused of paying kickbacks to real estate brokers to promote their service plans, the company was allegedly trying to protect the brokers and agents from any legal responsibilities.

On that subject, American Home Shield, the nation’s largest provider of home warranties, has stated that the payments they made to real estate brokers to market its products, did not violate the Real Estate Settlement Procedures Act, or RESPA.

The company admitted to no wrongdoing but has currently agreed to pay up to $26 million to determine allegations that the payments violated RESPA.

AHS put an optimistic spin on the settlement and released brokers and agents involved from any form of liability. This supported the company’s position as its current broker compensation program; ProConnect is in accordance with RESPA guidelines and regulations.

About 500,000 homebuyers and sellers who procured warranties between May 27, 2008, and March 4, 2011, may be qualified to collect an average of $52 each under the terms of the settlement.

 

Edleson Class Action Suit

Edleson v. American Home Shield filed a lawsuit in California Superior Court in San Diego in July 2007. The California court declined a proposed settlement of Edleson v. American Home Shield, which would have formed a review desk for homeowners to resubmit earlier denied claims.

The court hearing the Edleson case expressed concern that AHS would have the right to readjudicate claims, and the consumers included in the settlement would be giving up “possible” and “realistic” rights in exchange for the hope that a defendant that has supposedly not acted on good faith” before”, would do so.

After the proposed Edleson settlement was declined, American Home Shield reached tentative settlement in Faught v. American Home Shield, which also called for a review desk for consumers to resubmit claims.

The proposed Faught settlement was opposed by 24 homeowners and by the Texas Attorney General’s Office.

Faught Class Action Suit

The settlement was the outcome of a class-action lawsuit filed by Laura and Steven Faught against AHS in support of people in the US who procured or were issued a home service contract from AHS on July 24, 2001 throughout October 19, 2009. As part of the agreement, AHS decided to set up a review desk to reflect on claims from settlement class members whose claims were declined during the class period.

The Faught lawsuit suspected that American Home Shield engaged in a pattern and practice of failing to accomplish its contractual responsibilities to its customers. This includes declining to provide repair and replacement services to which its customers were entitled and also inappropriately denying claims in the first year of a customer’s home service contracts for “lack of maintenance” (from the Notice of Class Action and Settlement; faughtclassaction.com).

In spite of entering into a settlement, AHS has denied any misconduct or any legal responsibility. However even this claim no of wrongdoing has not prevented a different lawsuit against them. This lawsuit also alleges that American Home Shield was unsuccessful in paying for its customers’ claims.

Guadet Lawsuit

The complaint, filed by Brigette and William Guadet, on June 23, 2011 according to The Louisiana Record (June 30, 2011) alleges AHS of denying claims made by class members under grounds of “lack of maintenance, pre-existing condition, or failure to clean, in spite of not examining the appliances when policies are issued.”
In addition to this, the lawsuit alleges that AHS denies claims because of negligible uncleanness, even if external factors were the cause of the appliance’s breakdown. Plaintiffs allege that contractors were given an additional benefit for declining legal claims. The lawsuit claims violation of agreement and fake misrepresentation. Plaintiffs seek damages in excess of $75,000.
In the meantime, consumers of other home warranty companies have filed lawsuits of their own or may be looking into possible lawsuits, suspecting that their claims were denied improperly.

Abney Class Action Suit

The 2008 Abney v. American Home Shield lawsuit alleged that the company violated the Real Estate Settlement Procedures Act through its compensation of real estate brokers with regard to the sale and marketing of home warranties.

American Home Shield strongly denied the allegations made in the lawsuit and chose to resolve the suit due to the potential costs in defending the case. Details on the resolution of this case are available at www.abneyclassaction.com.

The Bottom Line
According to D. Frank Davis, a lead attorney for consumers in both the Abney and Faught cases, the Faught settlements is more favorable to all the class members in a lot of important ways.

Under Faught, individuals whose rejected claim incurred in the first year of their contract and involved a heating or air conditioning unit are likely to have their claim paid on reconsideration because of specific language in the settlement about the standards to be used by the review desk. All the other claims resubmitted are also likely to be paid this time because of the negotiated penalty provisions.




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

Contractor looking for job

Why Work With A Home Warranty Company?

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

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

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

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

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

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

How To Work With A Home Warranty Company?

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

Some of these leading Home Warranty Companies include,

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

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

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


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

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

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

What To Remember Before Becoming A Service Contractor?

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

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

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

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

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

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

Recommended Articles




A beautiful home demands maintenance. Maintenance, that comprises of regular repair and replacement costs, and other household chores. But it can be challenging to maintain a house with a limited budget. In such a situation, it is crucial to plan your budget well in advance, to meet all the needs without creating any confusion or extra expenses.

Budget-protection

How To Design An Effective Budget?

Designing a budget to meet your requirements is an art. It requires substantial time and practice to plan your money well in order to make the most out of it. This can be done simply by listing down all your requirements and working on the budget needed for each one of them. Though nothing teaches better than experience, our budget planning suggestions can help you meet all your needs without getting stressed:

1.       Minimize On Maintenance Costs

With houses being loaded with expensive appliances, a reasonable amount is being spent on maintaining the same. Therefore, it is crucial to saving on maintenance costs by planning your budget well. This can be done by exploring the market for better products at affordable prices or schemes that relieve you from the sudden expense and stress. Some of these schemes could be opting for a top home warranty plan, buying products with a longer guarantee, or simply taking care of types of equipment to ensure a long life.

A home warranty plan assists you with domestic repairs and saves your time & money. It also prevents you from the stress by making technicians available at the right time. Home warranty plans have been trusted for maintenance purpose for a long time, and provide you relief with any sort of repair or replacement expense. There are several home warranty plans available in the market, and you can choose one depending upon your requirement and budget.

In a fast paced life, when no one has the time to look after household chores, home warranty plans come across as a savior.

2.       Buying Quality Products

Saving money by choosing low-quality types of equipment can cost you a lot in future. While it can be understood that the hefty investment in purchasing a new home can burn a hole in your pocket, be compromising on equipment’s quality can pose risk to your safety. It can also demand a heavy investment on short notice due to poor functioning of equipment. Installing quality equipment in your home will ensure that no extra money is spent on their maintenance in the coming years. Therefore, it is important to invest in quality products that can save you from unnecessary future expenses. This also marks the foundation of intelligent investment which aims at making planned expenses while keeping a check on expenditure.

3.       Clarity On Budget

A lot of times people get carried away while planning their expenses. This can create a problem in the long run. Being clear on the amount of money available for disposal is necessary to chalk out an effective plan to meet your expenses. Therefore, being unreal with the availability and expenditure can pose a problem. This can be resolved by listing down your income and various expenses. Thus, you can be clear on what can be spent for maintenance and hence, plan your budget accordingly without losing the purpose.

4.       Buy What You Need

Setting up luxury appliances to give your house that fancy look should be avoided. These expenses are unwanted investments that burn a hole in buyer’s pocket every now & then. Intelligent spending is the first step to efficient budget planning. This not only makes room for thinking your decision through but also makes you search the market for affordable options. Loading your home with products that are a source of stress can never benefit you. Therefore, it is essential to buy what is needed without getting carried away. This attitude will not only help you save more but also introduce you to options that you have never heard of.

Benefits Of Planning Your Budget

Planning your budget well in advance can help you gain noticeable benefits in future. It is also important to be calculative while spending money on any of your requirements, to ensure you do not exceed the budget. This can not only help you save money but also help spend the same wisely. Similarly, home maintenance schemes is an excellent way to cut down on your expenses and plan your budget efficiently.

With a plethora of schemes flooding the market, the customer is the king and if planned well, can take advantage of these offers and save a considerable amount of money by efficient planning.

 




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




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

Buyers Protection

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

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

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




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

Home Warranty Plan

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

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

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

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

How Does the Plan Work?

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

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

Advantages of a Home Warranty Plan

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

Disadvantages

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

Final word

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

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




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

Fake Reviews

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

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

Penalizing Companies Posting Fake Reviews

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

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




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

Insurances

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

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

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

Life Insurance

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

Benefits of a Life insurance

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

Health Insurance

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

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

Auto Insurance

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

Benefits of Auto- insurance

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

Home Warranty

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

Benefits of home warranty

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

Home Insurance

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

Benefits of home insurance

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

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

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

Click here to check for Home Insurance and warranty companies.

Future is unpredictable yet securable therefore get insured stay assured.




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If you’re on the lookout for a home or if you are planning to sell a property, chances are you may have hired a real estate agent. Such agents are the godsend when it comes to real estate transactions as they can help you get really good deals. That said, they can also be a pain in the neck if they are not competent enough. So the question is, is your real estate agent good enough to get you that dream deal? Let’s find out.

Qualities Of A Good Real Estate Agent

When you hire someone to help you buy or sell a property, keep in mind that the money involved is not little by any means. You may want to look for the following qualities in a potential agent.

  • Commendable experience in the field
  • Good knowledge of the locality you are interested in
  • Well organized and the kind who pays attention to detail
  • Hardworking and honest
  • Tech-savvy
  • Has a good network to rely on

Although there is no foolproof way to find out if a potential agent has these qualities, the best approach would be to interview multiple agents and pick the one who reflects most of the above qualities.

Analyzing Your Real Estate Agent

 Real Estate Agent

If you have already hired an agent, here are few things you could check to decide whether your agent needs to be replaced or not.

1. He/She is a part-time agent

You’re not ok with a part-time doctor to treat your illness, then why-oh-why would you let a part-time agent handle your real estate transactions? Most part-time agents are off their game and may fail to get you the best deal.

If the one you have right now is indeed a part-time agent, you may want to consider replacing him/her.

2. Charges very low commission

The typical commission charged by agents for buying/selling a house is 6%-7%, which is equally split by the buyer and the seller. Most agents refuse to sell for a commission lower than that. So if your agent agrees to a lower commission, be cautious. This does not mean that the commission is not a negotiable sum. It’s just that most good real estate agents disagree to go below the typical norm.

3. Lack of or difficulty in communication

If your agent doesn’t return your calls or messages within two days or is, in general, a very difficult person to get through, it could be a bad sign. Competent agents are always on top of their game so they would never keep a client waiting.

4. No, or negligible experience

This is especially true in the case of part-time agents. One way to check for experience is to ask for references. If the references span over many years, well and good or you can directly ask your agent to give you details about how many deals he has closed.

5. No online presence

It wouldn’t have been a bad thing 10 years back, but today, not making use of resources available online to market/sell properties is a bad call. This should be one of the signs that your agent needs to be replaced.

The Final Word  

Like in any profession, there are good ones and there are bad ones. But in this particular case, picking a bad real estate agent can cost you heavily so you may want to interview many agents before you make your final pick. If you are a seller, you should look into some ways to get your home sold faster. And if you are a buyer, you should also be aware of what to look for when you buy a new home.

Hope you enjoyed reading this. 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.




There is no question that a large number of people would give anything to live in California. This is one of the greatest states in the US because no other location in the entire country has ever been able to become the capital of entertainment and dreams. The state that has given life to the largest phenomenon in the entertainment industry and that is of course Hollywood. This is one of the main reasons why so many people choose to move to this state. In this article we are going to talk about the top five warranty companies and how important it is to be able to hire their services if you want to get the best service. These are the top rated home warranty companies in California as of June 2015

1. The Home Service Club

This is a great company that has an excellent service with two main warranty plans available. They have the standard and comprehensive plans. Once covers the primary systems and appliances and the other covers basically everything in your household. The reviews are generally very good and their services are known to be very efficient. They have fewer plans than others, but their current plans are quite good.

2. American Home Shield

This is the company that basically founded the home warranty industry. They offer a wide variety of home warranty plans that have a wide range of costs that can fit most budgets. The general opinion in the reviews about this company are quite good, so you can definitely trust their services to be good. They have been in the business longer than anyone else and they have learned how to get things done properly.

Home Warranty Companies in California

3. Home Warranty of America

This is another company that has been providing excellent services to millions of Americans in every state of the country. They have been providing some of the most cost effective plans that are available in the industry. The reviews for the business are very positive and their customer service is their greatest strength. This is one of the companies with the largest reach in the country.

4. Select Home Warranty

This company has plans that truly fit all kinds of budgets and they give coverage to all sorts of properties and the repairs and replacement that might be needed for their homes. This is the main reason why so many reviewers are saying that this is the home warranty service.

5. Total Protect

There is no question that customer services is the most important thing that the staff at Total Project wants to be able to provide to all of their clients. They have a very special method of helping with home warranties by giving homeowners better tools in order to maintain their own homes much better. The reviews say that this is the one company that seems to get involved the most and this is the reason why they have gained so much respect in the business. The reviews are generally quite positive too.

Conclusion

There is nothing more important than being able to get the right kind of service when it comes to your home warranty. This is going to allow you to maintain your home in top condition at all times for a very reasonable cost. The use of this kind of service has become extremely popular in California and now you have plenty of choices that will allow you to decide which one is going to be the best decision. You can research all of the companies that we have just mentioned and decide which one will be best for your needs.

To view a complete list of top rated home warranty companies use the link below: