Is Home Warranty Essential for Buyers and Sellers?

In general home warranty covers up the service on repair and replacement cost on insured home appliances. If a policy covered equipment breakdowns due to wear and tear, an insurance agency pays for its maintenance.

Home Warranty Essential

Planning to sell your house? Then home warranty really adds-on

Houses offered with a comprehensive home warranty plan will obviously sell quicker with a better price than those without. Sounds like a great deal, yes it is and it certainly can be. As a seller you are in a competition with many other sellers in the market with the very similar houses and price range. Offering a home warranty may work as bonus attraction to the buyers.

What is seller’s home warranty?

Seller home warranty insures on certain aspects of a property. While coverage period varies, generally covers for a period of 1 year. The purchaser could then renew the policy at the end of every year. This could be a bargaining tool for the seller.

What covers in the policy?

That differs, basic plan would cover home appliances like refrigerator, washer/dryer, bathtub, plumbing systems, electrical systems, ceiling fans, water heaters and garage door opener. If you want to add-on equipment, then you will have to go for an extra coverage.

How much does it Cost?

So how much does a home warranty cost?  Basically the cost depends on the company you decide, the devices to be covered and the amount of insured time. The basic home warranties are available at about $400 annual premium, with a deductible per repair that ranges from $50 to $80. Home warranty companies sometimes offer special sales, discount policy prices or offer additional coverage for the same price which can be considered as extra benefit. The overall idea is the same; to help save some money and give the buyer quick repairs and thus sellers home warranty, is a good buyer incentive to purchase house.

Is home warranty buyer’s best bet?

Before closing the deal home buyers will give attention on their home warranty. Since the contract can cover on multiple items, it is always better to go through the sample copy of policy before you commit the sale. If you are a first-time buyer then it is a really good idea to get home warranty since you have no experience in maintaining your home equipments.

Who pays for the home warranty insurance?

Now the very next question arises is who pays for Home Protection Plan? Whether the seller or the buyer pays for the policy. It depends, seller normally pay for the coverage since it adds-on seller’s benefit to close the sale and buyer will not disturb the seller if any equipment goes wrong. Buyer could renew the policy in future with add-on equipment with extra coverage if necessary.

How does it Work then?

Although specific plans provide for specific types of coverage, most operate the same way.

  • If a home system or appliance breaks or stops working, the home owner needs to call to the home warranty company.
  • Then the home warranty company calls a provider with which it has a business arrangement.
  • Continuing to it the specific provider calls the home owner to make an appointment.
  • The provider fixes the problem. If an appliance is malfunctioning and cannot be repaired, depending on contract coverage, the home warranty company will pay to replace and install the appliance.
  • In return the home owner pays a small trade service fee (less than $100).

There are several benefits of home warranty. Home protection policy is surely not an added expense but it is a sort of investment for safety. Even if you spend extra expense on this, you can certainly be assured of the long term benefits, since you are already saved from paying the repairs or replacements expenses.

Watch this video to know some research facts on Home Warranty.






Living in the modern times is a blessing in many ways. When we look back at the way our ancestors lived, we certainly feel grateful about the various developments and innovations in technology. Science is indeed a marvellous field.

Every invention that man has ever made has always been done with the idea of making human life easier. The very first machines, be it the blunt stone tools or the wheel, the idea behind every one of them was to reduce manual effort. Several centuries later, the world we live in today has developed so much that we have a machine for anything and everything.

Let’s take a look at some of the most genius inventions that science has given to the average homeowner.

HVAC units

Appliances That Make Our Lives EasierMan’s need for protection against the bitter cold started with the invention of fire in the early stone ages. Today, we have electrically operated Heating, Ventilation & Air Conditioning units that provide us with the much needed warmth/cool.

HVAC units are large systems which take in air through filters, use coils to alter its temperature and then blow it out through a vent. If you care for your HVAC unit, take a look at our Checklist for HVAC maintenance.

Washing machines

washing machineCan anyone imagine a world without clean clothes? Of course, no! Washing machines are yet another gift the world of technology has given us, one we can’t thank them enough for. Feed in a pile of dirty laundry and out comes fresh, clean fabric!

They save us the effort of hand washing our clothes or the money to buy new clothes, which ever way you want to look at it.

Refrigerators

refrigaratorIf science did not gift us with the refrigerator, we would’ve been surviving on take-outs or slaving away fetching fresh ingredients and cooking them daily. Fridges too make our life

immensely easy by ensuring that we have the provision to store food in our homes.

Refrigerators too have become a staple in every average kitchen. The work by reducing the temperature of edible items which in turn reduces the chances for decay and spoilage. We also have a very informative Refrigerator Maintenance Guide, do take a look!

Dishwashers

Dish washerNobody wants to spend their post-dinner time scrubbing dirty utensils. Dishwashers do that job for us. These appliances provide us the luxury of allowing us to sit back and relax post dinner. All you need to do is load the dirty dishes into it and press a few buttons.

They easily fit into kitchens as they are not that space consuming and is yet another appliance that makes our lives so much more easy. You can also take a quick peek at our Dishwasher Maintenance Guide.

Microwave ovens

Washing MachineThey are a fairly recent invention, nevertheless, they too have become an integral part of the modern kitchen. This gadget is tiny compared to the other appliances. However, its quick cooking time and ease of use has earned the microwave its place in every home’s kitchen. While the radiation it emits is still a heated topic of discussion among staunch environmentalists, this appliance continues to help us immensely in our day to day life.

 

 

And that’s not all!

While we’ve talked about five appliances alone, we want our readers to understand that they are just the few of the many systems that make our life easy. We’re sure everyone who reads this agrees with us on that.

Now, since these beloved appliances do so much for us, shouldn’t we do something for them? Of course we should! If your appliances/ systems are 4+ years old, it is strongly recommended that you purchase a home  warranty to protect your appliances as well as your budget. You can read more about home warranty and its features and benefits!

We hope you found the article interesting, do share your concerns and doubts with us. Cheers!




So, you have decided to purchase a warranty that’s going to protect your budget against unexpected repairs and replacements of your household devices. It is a wise step, but you might also want to know about the options you have when you buy warranties. We bring you the list of the most common types of warranties that are purchased to cover household appliances.

Warranty Plans for Household Items

Warranties can differ based on several criteria. The age of appliances, age of the home, current conditions of the device are all significant factors that you must consider before you zero in on a household appliance protection plan.

 The working is pretty much the same for all these plans. When a device cracks, you inform the folks from whom you purchased the warranty and then they send over a technician to fix the damaged device. You will pay a service call charge each time you raise an issue. And, you can’t report multiple issues in a single call.

Before we go into all that, we have to tell you that the Homeowner’s insurance is something that is not included in this article. It is an entirely different plan and if you wish, you can read about the differences between Homeowner’s insurance and Home warranty.

Let’s begin with the list

#1 Home Warranty

We bet that you have definitely heard about this one! This is also the most widely used plan. The Home Warranty also called as the Appliance Warranty/ Appliance protection plans ( it is known by quite a number of names, would take sometime to list them all out) is a service contract that agrees to offer discounted repairs and replacements of your household appliances.

This plan is ideally suited for customers whose appliances are over 4 years. Appliance protection plan covers damages that result due to regular wear and tear, so if you have brand new devices, chances are that you won’t need frequent repairs.

Also, this is not a free of cost arrangement. As a matter of fact, none of the plans discussed here are free. They do cost money, but the amount is nominal as compared to how much you will be paying if you had to carry out the repairs and replacements by yourself.

Home warranties cover almost all the major appliances and systems in your home. They don’t cover the outdoor devices like sprinklers and all that. Read your policy document to get a better idea. You can also read a brief description about the appliances that are covered.

If you think that this is the ideal plan for you, we suggest that you read more about Home Warranty before you make a move.

#2 Manufacturer’s Warranty 

This too is a familiar name. It is the kind of warranty that the appliance’s manufacturer provides for a limited period of time. Meaning that when you purchase a brand new appliance, the manufacturer’s warranty agrees to repair/ replace your device if something happens to it during the stated warranty period. The time frame changes from manufacturer to manufacturer. The average is often 1 year.

This warranty is a kind of legal binding. If they displease you by not honoring the conditions mentioned in the warranty contract, you can sue them.

Most new gadgets come with a manufacturer’s warranty, even if you buy them online, you can get the manufacturer’s warranty. Major appliances like HVAC units come with longer warranty periods. But keep in mind that the coverage doesn’t remain the same thoughout the warranty period. From second year on-wards, you will be paying for the repair service as the coverage becomes limited to certain parts alone.

You can’t use a Home Warranty to cover a device that is already covered by it’s manufacturer’s warranty. As stated before, Home warranty is for devices that are old, used and no longer covered by the manufacturer’s warranty.

#3 Seller’s warranty

Also called as the dealer’s warranty, and is the warranty that is provided by the seller of the device. This is a very short duration warranty, usually around 6 months and if a defect occurs within the stated time, you have to take the gadget to that particular seller itself and no one else. It is not a very flexible and easy plan, but it is definitely better than no warranty at all.

#4 Extended Warranty

This is the kind of warranty that gives you the choice to extend the manufacturer’s warranty as and when it expires. These are ideal for the devices that are not covered under the Home Warranty plans eg., TV, Laptops, etc.

You can’t avail extended warranty on used and old devices. They can only be taken for fairly new gadgets whose manufacturer’s warranty expired recently.

#5 Home service contracts

These are third party service contracts, often provided by the seller or repair vendors. The costs vary widely as these contracts are usually given by local yet licensed service vendors. The coverage also varies so it is difficult to give much details about this type of warranty.

Speak with a few vendors and compare with the other options you have.

Getting the best

Do your research to get the best out of Appliance warranties. Always ensure that you chose a reputable company. You can also check with the Better Business Bureau to ensure that the company you chose has a clean record. Friends and family can also recommend good companies for you.

Remember, any kind of warranty, if chosen wisely can benefit you immensely by protecting your budget and also by giving you peace of mind.




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

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

Extended Home Warranty

Before deciding on extended warranty

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

Cost consideration on home warranty

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

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

Importance of extended home warranty

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

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

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




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

 

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

8 Cheap Apartment Decorating Ideas

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

Mirrors make your apartment feel larger1.  Small Spaces:

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

2.  Furniture Placement:

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

3.  Paint:

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

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

4.  Dining Area:

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

lighting apartment ideas5.  Lighting:

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

6.  Shelving:

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

7.  Carpet:

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

Greenery inside apartment8.  Greenery:

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

 

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

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




This is the electronic age. Hundreds of new gadgets and appliances throng the buyer’s market every day. The consumer is literally spoilt with options that tend to reduce the burden and thereby bringing handiness into our lives. The convenience however, comes with many riders. Remember, the onus is on us to conserve energy and shield our resources from superfluous depletion.

Energy Conservation Tips

An energy-efficient home will keep your family comfortable while saving you money. Whether you take simple steps or make larger investments to make your home more efficient, you’ll see lower energy bills. Over time, those savings will naturally pay for the cost of improvements and put money back to where it belonged, your pocket.

Now, let us deliberate and gather some thoughts on saving energy at home. Remember; following these tips promptly have added repercussions too, like increasing the lifespan of your appliances.

Small Appliances

  • Cook with small appliances. Cook with your toaster oven, electric skillet and slow cooker for specialized jobs, rather than the range. Small appliances use less energy.
  • Use the microwave. Microwave ovens shorten cooking times, which saves energy.
  • Run cold water for disposal. Hot water requires energy to warm the water. Cold water saves energy and solidifies grease, moving it more easily through the garbage disposal and pipes.

Refrigerators and freezers

  • Purchase an Energy Star model. When buying a new refrigerator or freezer, look for the Energy Star label. Energy Star refrigerators and freezers can save you hundreds of dollars on your electric bill over the life of the appliance.
  • Select the right size. Determine your household’s needs before purchasing a refrigerator or freezer. One that is too large wastes energy.
  • Defrost a manual-defrost unit regularly. Frost makes your unit work harder and wastes energy. Don’t allow more than one-quarter inch of frost to build up.
  • Stay away from direct heat. Place the refrigerator or freezer away from direct sunlight and other heat sources such as ovens or ranges. Heat will cause the unit to use more energy to stay cold.

 

Dishwashers

  • Run full loads. Always wait until you have a full load before running your dishwasher. You run fewer loads and save energy.
  • Use short cycles. Select the shortest cycle that properly cleans your dishes. Shorter cycles use less hot water and less energy.
  • Skip rinsing dishes. Rinsing dishes before loading them into the dishwasher wastes energy. If you do rinse, use cold water.

 

Ranges and Oven

  • Reduce the heat. Begin cooking on a higher heat setting until liquid begins to boil. Then, lower the temperature and simmer the food until fully cooked. A fast boil doesn’t cook faster than a slow boil, but it does use more energy.
  • Don’t peek in the oven. Resist the urge to open the oven door while baking. Every time you peek, the temperature drops 25° F and requires additional energy to bring the temperature back up.
  • Use retained heat. Turn off cooktops or ovens a few minutes before food has completed cooking. Retained heat finishes the job using less energy.

 

Washers and Dryers

  • Adjust the water level. If you have a washer that allows you to control the load’s water level, adjust the level according to laundry load size. You can save energy by using less hot water for small loads.
  • Run full loads. Always run a full load in your washer or dryer. Running full loads allows you to run your washer or dryer less often.
  • Wash laundry in warm or cold water. Washing laundry with warm or cold water works your water heater less. Use hot water only when the greatest cleaning is needed.

Water Heaters and Water Usage

  • Purchase an energy-efficient model. The initial cost may be more but operating costs are less in the long run.
  • Purchase the correct size. Consider your family’s hot water needs. If your water heater is too large, it uses more energy than needed. If it is too small, you may run out of hot water.
  • Purchase a natural gas water heater. If you currently have an electric water heater, consider replacing it with a natural gas water heater. When it comes to heating water, natural gas is less expensive than electricity, and it heats more water faster during heavy use.

 

Lighting

  • Use Energy Star compact fluorescent light bulbs. Energy Star compact fluorescent light bulbs last longer and use up to 75 percent less energy than standard light bulbs. You can cut your electric bill by $60 per year if you replace the standard bulbs in your five most frequently used light fixtures.
  • Use natural lighting. Open curtains and shades during the day instead of using lighting. Consider skylights and solar tubes during remodelling or new construction design. This allows the maximum use of natural daylight.
  • Plan your lighting. Not every room needs the same amount of general light. Plan within a room to provide general background lighting and supplementary task lighting.

Air Conditioners

  • Purchase an Energy Star model. Energy Star room air conditioners cost at least 10 percent less to operate than conventional models.
  • Use a timer. Set the plug-in timer to turn off the air conditioner when you leave home and to turn it on just before you return.
  • Purchase a unit with varying fan speeds. Use a room air conditioner with fan speed control. This allows faster cooling when needed and quieter, more efficient operation at other times.
  • Keep the unit centrally located. To allow better air circulation, install your room air conditioner in the window or area of the wall that is nearest to the middle of the space being cooled.

Making your home energy efficient can be as easy as discussed above. Who doesn’t want to save money and the planet at the same time?

If you are a responsible homeowner, make sure you have appliance warranty policy to protect yourself from costly repairs.




Building insurance is a type of insurance most people don’t know enough about. This is the cover that provides for dealing with storm damage, accidents, malicious damage and a range of other things most people understandably prefer not to think about at all if they can help it. Building insurance is a type of “catchall” insurance, which covers damage to buildings which can run into very heavy costs for owners. So how do i insure a building? Read this article to get clear insight about building insurance.

Insure a Building

Buildings and risk management

This is a very versatile type of insurance, and it needs to be. Building damage can include some extremely difficult, capital-intensive issues that owners have to deal with quite regularly. It’s a form of investment protection, very common in commercial properties, to deal with the risks of businesses. If you own several million dollars worth of building, you need to know you’re properly covered.

The fact is that any type of building ownership includes a lot of basic risk management by definition. If you own rental properties, you’ll be well aware of the possibilities of damage from various sources, and the fact that premises really need to be maintained. Damage has to be fixed, and if that damage isn’t adequately covered, it’s money out of pocket upfront, a loss in any terms unless you have a very good homeowners insurance policy.

That’s not good business practice, and it’s exactly what building insurance is designed to deal with. For homeowners, the issues may be different, but the principle is the same. If you’re paying off a mortgage, and the budget is looking a bit fragile, the last thing you need is building damage running into thousands or tens of thousands of dollars. That whole scenario has to be covered, and covered properly.

Building insurance basics

The best approach to building insurance is to take a long hard look at your needs and then start shopping around for insurance that covers your needs. You’ll probably be surprised to hear that online buildings insurance is quite easy to get, complete with upfront quotes and adjustable cover, which can be tailored to your needs. This is the new paperless insurance, bureaucracy-free to the extent that it’s possible to be, and it’s getting a lot of market share because it’s highly efficient for both private and business purposes.

The shopping around needs to include:

  • Clear understanding of policy values. This is critical. Ask questions, and you’ll get straight answers. The insurers need informed customers, particularly about cover values. Sales and quality are now inseparable in this highly competitive industry, so expect good offers and good information.
  • Clear policy operation values: How a policy is operated, including outlay on premiums and policy variations is often critical, particularly to people having property portfolios to manage. Efficiency pays off in time and value, so go for the best you can get in these areas.
  • No “grey areas”. Best practice in insurance includes Product Disclosure Statements, and these statements are comprehensive. Read them.

Buildings insurance is easy to get and easy to manage. Stay in front of the issues, and your cover will do the rest.




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!




Today’s topic:  Customer Service Success Through an Efficient Contractor Network in Home Warranty Industry

LOGO (1)

With thanks to the following participants:

Gwen Gallagher, President, Old Republic Home Protection

Dave Quandt, Vice President of Field Operations, American Home Shield

HomeWarrantyReviews.com is proud to offer the first in our new series of home warranty industry round table discussions.  In this first issue, we hear from two of the top companies in the industry regarding how each of their organizations meets the growing demands from their customers for high quality, timely service from repair contractors.

We asked each company the following three questions.  Their answers bring into greater focus how a very large home service contract provider deals with the challenges of a shrinking labor market while at the same time seeing its customer base increase and the demands of those customers increase as well.

HWR logos

1. Companies in the home warranty industry rely greatly on contractor networks. How does your company approach the job of ensuring quality customer service through a network of contractors?

Gwen:  Old Republic Home Protection sets high customer service standards for our Independent Network Service Providers… and it begins even before allowing them to join our network. Coaching service providers and establishing our service expectations begins with the first contact and continues throughout their tenure in our network.

As a standard, Old Republic Home Protection requires Service Providers to:

(1)  Provide timely and professional service

(2)  Be licensed in the trades they service

(3)  Carry General Liability Insurance

(4)  Charge fair and reasonable rates for parts and labor

(5)  Maintain the requirements on an on-going basis

HWR Industry round table

Prior to signing up, Service Providers receive our Contractor Guide, detailing our operations procedures, service processes, and service expectations. Calls throughout the sign-up process reconfirm our service expectations. We then follow-up each month to reinforce our guidelines, expectations, and commitment to our Plan Holders.

Customer feedback is paramount to the process. We respond quickly and appropriately when our Plan Holders, either through random surveys or interactions with our staff, indicate a potential service issue. We have a team of specialists dedicated to following up on customer feedback, rewarding service providers for excellent performance, coaching them when needed, and removing them from our network when they cannot meet our service expectations.

Dave: We hold our contractors to very high standards of performance and accountability. Last year we reviewed more than 3,500 applications from contractors that wanted to join the American Home Shield network.

Once a contractor joins, that contractor’s service quality is monitored on 15 different performance metrics, including quality and cost factors. Some of the tools we use include:

  •         Monthly quality of service report through customer surveys and comments
  •         Monthly work plan to monitor performance
  •         Monthly contractor scoring on quality and cost metrics

2. Is your company taking any steps to prepare for the forecast shortages of specialty trade workers, such as electricians, in the U.S. in coming years?

Gwen:  We work hard to establish a strong reputation with service providers. We reward service providers who perform well by giving them additional work, filling in the gaps when their retail business might be slow. We pay them quickly and fairly for services rendered and we treat them as part of our team. As such, service providers prefer to work with us and we’ve yet to experience shortages.

Even in regions where there might be shortages from a retail perspective, we seek out experienced tradesmen—those who’ve worked under the guidance of more seasoned professionals for some time—who are starting their own businesses. They find that working with Old Republic Home Protection is a great way to build their client base through word-of-mouth referrals and repeat business from satisfied customers.

We closely monitor every region, ensuring we have sufficient service providers to meet our customers’ needs. We focus recruiting efforts on those areas and trades that dip below our established thresholds. Recruiting can come internally through our team of service provider procurement specialists or externally through referrals from our nationwide sales staff and real estate professionals.

Dave: The biggest shortages we have seen are in the appliance and plumbing trades. We are recruiting in traditional ways, and are even expanding our contractor recruiting efforts using social media and advertising and engagement with trade schools. Getting connected with trade organizations will also help us find and recruit contractors in these areas.

Also, because we’re a business unit of ServiceMaster, we can approach thousands of franchise owners regarding available contractor services.

3. Summers and winters are bringing more extreme high and low temperatures each year. How does your company cope with surges in claims due to weather related strains on systems?

Gwen:  Meeting high demands begins with service provider procurement. Based on years of experience and data analysis, we are able to closely predict our service demands by region as the season’s change. We anticipate surges and plan ahead as opposed to reacting when they occur.

In those parts of the country that have weather extremes, we procure more service providers than meets the typical demand. As spikes occur, the higher number of service providers is most often sufficient to meet our needs.

In extreme weather surges, when spikes in demand are at their peak, we put the needs of our customers first. If our network service providers become overwhelmed, we’re quick to offer approval for Plan Holders to use their own service providers from outside our network. This process helps ensure fast and efficient resolution of the customer’s service issue.

Dave: We are strong advocates of customer education and engagement and share a lot of information and tutorials about the importance of regular maintenance on our Home Matters blog and YouTube channel. We also send out pre-season e-mail notifications to our customers about starting furnaces or A/C units early to ensure they catch any issues before temperatures change.

Because we have more than 1.5 million customers—and receive more than 3 million service requests each year—we have a lot of data around weather forecasts that helps us anticipate peaks in the heating or cooling seasons. With this data, we work with our contractors to plan for capacity in different geographic regions and make sure they are able to prepare from a staffing standpoint to handle the volume.

Our contractor relations teams also keep a close watch on customer saturation by Zip code to ensure we have adequate contractor coverage. If the demand is more than our capacity we immediately start recruitment of additional contractors to fill the gap.

HomeWarrantyReviews.com wishes to thank the participants in this first round table discussion.  For more information about the representatives from the two companies please scroll down.  If your company would like to participate in future round table discussions please click here for more information.

About the Participants of the Home Warranty Industry:

Gwen Gallagher is the president of Old Republic Home Protection (ORHP). For more than 35 years, she has held multiple positions within the company from customer service to financial reporting, becoming president in 1994. Gwen lends her vast experience and industry knowledge to charting the strategic direction of the organization, ensuring production and profit while maintaining its vision of “People Helping People.”

Dave Quandt is the vice president of field operations—and oversees contractor relations—for American Home Shield, the nation’s largest home warranty company. With more than 11,000 contractors in its network, American Home Shield has one of the largest home warranty contractor networks in the country.

Note from HomeWarrantyReviews.com to readers:  Would you like your company to be featured in upcoming round table articles?  Please contact us here.

 




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

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

Listen to your repair contractors or technicians

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

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

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

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

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

Repair technicians write reviews too!

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

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

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

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

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

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

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

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

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

Can you choose your repair contractors?

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

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

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

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

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

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

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

 




As a landlord, legal responsibility is a bigger issue for you. You need to guard yourself against the losses that can potentially crop up to your properties and in general financial health. What if your occupant is hurt on the rental possessions? You want to be sure that if you are prosecuted, you have the adequate insurance to lend you a hand.

Insurance Landlord needs

As a landlord, you should guard your income stream and that’s your rental income. If the structure is adequately spoiled then it is not possible for the renter to dwell in your property, so you require a protection to your rental income so as to meet your obligations, together with the mortgage on the property, if any. This is where you have to reflect carefully on what your exact needs are and purchase the right coverage.

Take heart! While it may sound scary, insurers have previously designed policies for the landlord’s requirements. Always remember that there will be a dissimilarity in these policies, so you will have to verify the fine print and choose the one that suits your situation. By shopping around, you will get a better idea of what is obtainable in coverage and at what price.

Essential Insurance for Landlords

There are some forms of insurance you can take to make your life simpler and less of a burden. Here is a list of essential insurances that a landlord must have:

Get a Home Warranty

Landlords most likely take issue with this one, as it appears to take money out of their pockets-especially those with the ability to do repair work themselves. However, you can draw a better class of tenant if they recognize that there’s a warranty in place. (i.e., they won’t have to hunt you down and request you to come by to make repairs). Besides, it will free you up to truly manage your belongings as an owner rather than just a handyman. To end with, a home warranty policy will pay for itself with one or two repairs.

To get an estimate of home warranty costs for your rental properties, visit our home warranty price quote section

Landlord House Insurance

If you possess a home then you likely know the significance of ensuring that it is properly protected. Having the correct insurance for your property is a good step towards making sure that you have the guard you require. Landlord house insurance is essential for anyone who possesses a home. The key to home insurance policies is ensuring that you receive the best price for your insurance.

Below is a list of ways by which you can decrease the rate of your insurance policy.

  • Security System– If you set up a right security system that can sense fires or thieves, then you can find a reduced rate on your insurance policy.
  • Increase Deductible– You can ensure to pay a lower amount for your insurance plan by increasing your deductible payment. The deductible is the payment that you are required to pay once you make a claim on your insurance plan. Make sure that you find a good deductible rate for yourself.
  • Remove Potential Hazards– If you stay in an area that is bounded by trees then likely you have a high risk of a fire occurring. By clearing the trees you may be able to save money on the insurance. Based on the circumstances you may have to shell out a higher premium for your contents house insurance.
  • Find the Right Lender– The best way to save money on your landlord house insurance is to gaze around. Start a search online and hunt for different companies that provide reasonable insurance for your home. You can obtain free online quotes for house insurance from different companies but make sure that you get comprehensive quotes for your insurance. Get the details of the coverage and don’t be fooled by any company as the offer really low prices because they normally have high deductibles and bad coverage.

Landlords Contents Insurance

Many landlords believe that they do not require any insurance for the contents in their buildings. They hold the impression that these contents are taken care of by the building insurance they procured. However, that is not the actual case. To get the contents covered, they will have to spend extra in landlords’ contents insurance. Some landlords even feel that the contents will be covered by any insurance policy the tenant holds. But the actual fact is that the policies bought by the tenants will only cover possessions of the tenants and not that of the landlord.

If the landlords truly worry about the contents for which they put in a huge amount of money, they must procure landlords contents insurance. In this way, they can expect to get some reimbursement for the items in case they are damaged. Having no insurance for these items will leave them totally destructed if they face any incident causing damages.

Umbrella Insurance Policy

It’s called “umbrella insurance as it is intended to give liability protection beyond when the liability on other policies has been exhausted. Depending on the insurance company, you can obtain an umbrella policy with an extra one to five million in liability protection.

Umbrella Insurance gives an added layer of liability coverage. It’s isn’t just for rich and famous. Whether it’s an incident on your policy or a serious auto accident concerning costly medical bills, you can find yourself liable for damages that exceed the limits on your homeowners, auto or boat policies. A pricey judgment is the last thing you want to be anxious about.

Landlords habitually handle different types of policies, but one of the most significant and frequently unnoticed types of insurance is the umbrella insurance policy.

Consider these factors if you are not sure if you would benefit from procuring umbrella insurance or not.

  • Rentals– Though you carry an independent fire policy for each home, umbrella insurance can help you protect in case your tenant or tenant’s guest are injured on a rental property.
  • Vacant land-Your vacant land can be used by neighborhood children to play. If one is hurt it could result in an expensive lawsuit. In such situation, umbrella insurance can offer additional coverage.

Taking no notice of these insurance policies is not recommended anytime. The consequence of such ignorance could lead to serious losses that will be hard to recover. On the contrary, landlords are strongly suggested to make an investment in such policies that will save them a lot of money in case of any accidents.




Weichert Realtors announced the launch of its new Claim-No-Claim Home Protection Plan. This home protection plan, provided through HMS Home Warranty, now includes coverage for unknown pre-existing conditions, lack of maintenance and jetted bathtubs in addition to the coverage already provided by the previous protection plan.

Weichert

Its Financial Services said it is committed to offering its clients ‘best-in-class’ products and services. “The innovative Claim-No-Claim Home Protection Plan is a unique offering within the industry and lives up to the expectations we have for branded products.” said Bill McMahon, vice president for Weichert Financial Services.

Founded in 1969, Weichert Realtors has grown from a single office into one of the nation’s leading providers of homeownership services by putting our customers first. With nearly 18,000 sales associates, Weichert services all key markets in the U.S.

Unlike most home warranties, the Claim-No-Claim Home Protection Plan provides value to homeowners whether or not they make a claim. Buyers can have peace of mind knowing they are covered should something go wrong. However, the plan also provides value to those homeowners fortunate enough to not need any repairs. Buyers who have not submitted a claim during the first nine months of their initial year of coverage are entitled to a heating or air conditioning maintenance visit valued at up to $100. More details can be found at Weichert Gold Services or by contacting your local Weichert Realtor.

A premier upgrade option has also been added to The Claim-No-Claim Protection Plan. This optional coverage addresses disposal or removal of defective equipment, recapture or reclaim of refrigerant, permits and mandatory systems upgrades as a result of size and code violations.




There are few home warranty companies that do not charge service trade fee or “deductible”. If you are looking for such companies, please read on. Please note that we do not endorse any of these companies.

IMPORTANT: To read most recent list of companies that offer Zero dollar deductible, please visit our Home Warranty Plan Comparison section and sort the companies by Deductible (low to high)

Zero Deductible

Home Warranty Plans with No Service Call Fee

Following are the home service contract companies that offer zero deductible as of this writing:

  1. Complete Protection
  2. UtilPro Appliance repair
  3. HomeServe USA
  4. Stanley Warranty
  5. Hi Tech Home Warranty
  6. Certified Warranties
  7. AHPS Home Warranty

As a website dedicated to offering honest information about the various matters related to Home Warranty, we have collected the feedback of several appliance warranty customers in the form of reviews. Please check out our tool to find top rated home warranty companies in your area. There, you can sort through the various companies based on their premium amount, deductible amount, ratings and total reviews.

What is a deductible?

In an insurance policy, a deductible is the sum of money paid by the insured party before an insurer will pay any expenses. It is usually a fixed amount and is a part of most policies covering losses to the policy holder and must be paid by the insured before the insurance company’s own coverage plan begins.

For example, an auto insurance policy may bear a $500 deductible. If the owner of a car hits another car by mistake while parking and both drivers decide that the loss is minimal, he or she would pay the repair bill $500 out of his own pocket. Insurance companies would not support a claim for such small damages. Based on the incident, the deductible may apply per covered incident, or per year. For policies where we can’t restrict the incidences, the deductible is usually applied per year.

What is a premium?

An insurance premium is the definite amount of money charged by insurance firms for active coverage. Cost of a premium can differ widely for the same service, which is why experts strongly suggest getting several quotes before committing to an insurance policy. Insurance brokers or agents takes basic information from people and evaluate an insurance premium estimate depending on the answers and other factors.

The lowest quoted cost on a premium may be the better deal, but the level of coverage may also be lesser. Insurance premium is mainly based on statistics, while people’s habits and history can cause the premium to be lower or higher. For example, a 22 year old male looking for car insurance for a sports car can often predict a higher insurance premium than a 45-year old woman driving a mid-size sedan. Both may perhaps have excellent working records, but the insurance company considers the younger driver in faster car to be at more risk for accidents. Thus, the premium quotes will be clearly different.

In general, a faster car will cost more to insure, just because the owners of those vehicles tend to drive faster. The amount of a deductible is typically related to the amount of premium charged by the insurers. That is, higher deductible amount are usually related with lower premium rate and vice versa. Try to find stability between reasonably priced premiums and a fair deductible when buying insurance.




Adding to a long list of home warranty companies which have entered the home service contract space only to quickly exit, Stanley Warranty announced recently that the company is immediately terminating its services.  Visitors to Stanley’s website see this message:

Stanley Warranty

The company’s closing may come as little surprise to those who are aware of last year’s announcement of an investigation into the new company’s business practices.  In June 2015 New Jersey’s Division of Consumer Affairs announced that it had filed a complaint against Stanley Warranty, LLC, alleging that the company had committed acts contrary to its contractual commitments to its customers.  Among the state’s specific complaints against the company were alleged offenses that specifically involved Stanley’s home service contract customers.  Stanley also operated a business unit which provided consumers with extended service agreements for motor vehicles, commonly called auto warranties.

Here’s a quick analysis that we can provide to readers seeking more information about Stanley Warranty’s abrupt closure and the precedences set by other companies that pulled this same move in recent years. Come back to HomeWarrantyReviews.com for updates as we learn more about the fallout from Stanley Warranty’s announcement.

This Isn’t The First Time That A Home Warranty Company Has Gone Belly Up

Like Sensible Home Warranty did in 2014 when it closed shop, Stanley provided no apparent warning to their customers that pre-paid services would not be provided, though at this time it’s still unclear to HomeWarrantyReviews.com whether the company contacted customers via telephone or postal mail prior to closing its doors.  It’s also not known yet whether Stanley’s failure to uphold its commitment to any pre-paid customers will compound the company’s problems with New Jersey’s consumer agency.

Another company in the home warranty space that closed its doors in 2014, Colonial Home Warranty, sought bankruptcy protection.  Through bankruptcy, the company appears to have been able to escape financial responsibility for unfulfilled service contracts and repair bills from their contractors.  Whether or not Stanley Warranty will seek similar protection is not clear at this time.

The Signs Were All Over The Place That Stanley Warranty Was Trouble

Reviews for Stanley Warranty, also known as Stanley Safe Club, here on HomeWarrantyReviews.com are almost entirely negative.  The reviews reflect an apparent trend of the company not honoring its promises to customers or contractors who performed repairs on its behalf.  Many of the worst reviews mention repair contractors pursuing payments from the homeowners after Stanley Warranty failed to fulfill its duty to make those payments in a timely manner.

On its Better Business Bureau page, Stanley Warranty already had an F rating prior to the announcement of its cessation of services to its customers.  On Yelp, a recent review includes a comment about a refund check from the company to the customer, who had canceled services ahead of the expiration of the contract period, being denied due to insufficient funds.  That review was created in December of 2015, leading to the obvious question whether or not Stanley was insolvent well before it closed its doors in 2016.  Interestingly, reading past reviews on Yelp leads you to at least one claim in 2014 that Stanley Warranty had announced on its company website that it was closing.  And no matter how far back in time a reader travels on Yelp, the story seems to be consistently poor, one unhappy customer after another.

Perhaps the most insulting element of this story is that Stanley Warranty sold its service contracts with a promise of zero service fees.  Anyone familiar with the home service contract industry knows that most companies charge a fee, paid by the customer to the service provider, at the time of a service call.  For a company to offer competitive rates with no service fees is a pretty compelling deal for consumers.  And many of the consumers lured in by that deal are now left with every required repair being paid entirely out of their own pockets, despite having paid well in advance for home service contracts from this company.

What Happens Next May Not Be Good For Stanley Warranty’s Pre-Paid Customers

The home warranty industry has a history of companies like Stanley Warranty popping in and out of the space and taking loads of customers’ money out the door when the companies fold or burning up the money received from customers through mismanagement and unhedged risks.  Consumers who have been buying home warranties for years probably recognize some of the company names, ones like Arkidus, Sensible Home Warranty, Colonial Home Warranty, and  Certified Warranties Corporation.  All of these companies have something in common.  They sold home service contracts right up until the day they shut the office lights off and locked the doors.  

This may be the single biggest black eye that the home warranty industry has received in the last decade, and it just keeps happening.  As if companies being able to enter an industry that is so much like insurance, often undetected by the state agencies that regulate their industry, improperly funded, and perhaps even criminally intent on defrauding their customers is not enough, the end result of the companies is consumers left with financial losses sometimes amounting to thousands of dollars in service contract fees paid in advance.  All too often the regulators in the states where the customers live are powerless to retrieve those customers’ funds, and even when bankruptcy courts are involved the individual consumer is usually out of luck when liquidated assets are divided up among registered claimants.

In a nutshell, the chance of Stanley Warranty’s customers seeing refunds is very, very slim.  It’s quite likely that this story will end the same way it did for customers of Sensible Home Warranty in 2014 when that company disappeared overnight.  But that should not stop consumers willing to do whatever they can to seek justice.  Readers who wish to pursue legal action should immediately seek advice from an attorney, preferably one with experience with defunct service contract companies.

What’s A Nice Homeowner To Do?

If there’s any worthwhile piece of advice we can give to our readers who are shopping for a home warranty company it’s this:

Do your homework!  Despite it not always being easy to do, consumers must research companies in the home service contract space before making a purchase.  Here’s an example of the kind of detailed reporting available to consumers trying to evaluate the financial health of companies selling home service contracts in the United States.  That article by Warranty Week is an excellent resource.  Keep in mind that if the home warranty company you choose is using its sales to finance its claims then you can probably count on two things happening.  One, the company will do whatever it can to avoid paying your claims.  Two, the company will eventually get into hot water and close up quickly in order to try to avoid the owners bearing personal responsibility for the actions of the company.

Be safe out there.  And if you are a Stanley Warranty customer who would like to share information with other readers in the same boat as you then please share your story in the comments section below.




There are five types of warranties plans available such as manufacturer warranty, home warranty, seller’s warranty, extended warranty, appliance service contract etc. All the above mentioned terms are basically protection policies of your household appliances. All these warranty contracts are slightly different and we will get into them in just a moment. Please note that we do not cover homeowners insurance here but you can refer to the article that talks about home insurance and home warranty differences

Types of Warranties

Home Warranty

Home warranty is a service contract on your home appliances and it covers repairs and maintenance of household machinery. Home warranty plan takes care of repair and replacement of all your insured appliances by the qualified service provider. This plan is also referred as

  • Appliance Protection Plan
  • Appliance Service Contract
  • Home Maintenance Plan
  • Home Protection Plan
  • Home Appliance Insurance
  • Appliance Repair Service
  • Home Warranty Insurance

Manufacturer’s Warranty

One of the basic thing people look for while purchasing any appliance or gadget is the warranty. A warranty is a kind of assurance provided by the manufacturer for the product and if the item does not meet the expectations then the insurance provider is bound to repair or replace the product within the stated warranty period. The standard coverage is generally for the period of one year. A warranty is a legal binding which means if the seller does not stick to their words, then you can legally file lawsuits against them.

These days all the online stores and offline stores are providing manufacturer’s warranty and the original bill along with the purchased product. The products shipped are also completely sealed and as good as what you can get from retail stores. You can extend the warranty for additional years if you desire, although it is not necessary in most cases. Generally, big ticket items such as HVAC units come with 5 years warranty, but the coverage will be limited to parts only from second year onwards. That means you will have to pay for the repair service.

Home appliance warranty companies generally do not cover an equipment when it is under manufacturers warranty.

Seller’s Warranty

Seller Warranty is also known as dealer warranty. The warranty is basically provided by the respective seller or the dealer of the products. Most of seller warranties last for the period of 6 months. In case of any sort of defect of malfunction of the product, you have to take the product particularly to the seller from whom you bought it.

Extended Warranty

You have an option to extend manufacturer’s warranty when it expires. It is recommended only for those appliances that are not covered by home warranty, such as laptop, PC, TV and other electronics.

You can also extend home warranty when your original plan expires. Usually the breakdown period of appliances starts just before or after your warranty expires because of its usability. If you want to avoid such hassles of contacting repair services, extended warranty service just makes things easier

Home Service Contracts

Service contracts are also considered as agreement or protection agreements. Most of these are offered by vendors selling the appliance, a service company, or a third party service provider. Home service contractors are basically local, licensed, and insured team to provide service. The price, terms and coverage choices widely vary as these companies tend to be local service providers. The repair and customer service may also vary depending on the vendor. Make sure you thoroughly understand the contract before you sign it.

Do your homework before buying home warranties, extended warranties, or service contracts for your major appliance. Understand the “Terms and Conditions” of the contract, especially its limitations.

Make sure you know and understand:

  • The reputation of the selling agent or the service provider
  • If the agreement contains a service repair cost “deductible” clause
  • If you must get second opinions or price estimates before repair
  • If you renew annually and what is the cost to do so
  • Any repair not covered such as plastic, glass, rust, corrosion non-functional parts, and installation, wiring or plumbing corrections
  • Costs involved if you have to take the appliance to the repair shop (against being repaired in your home)
  • What happens when the necessary part is no longer available
  • Any other terms and conditions of the contract, especially its limitations

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




Here’s a funny pictorial story that gives a peek into how does a Home Warranty work. Mr.Fox here is our friend who purchased a home service contract. His beloved washing machine crashed one day while the contract was still valid.

How Does a Home Warranty Work

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Now, back to the story.

Mr. Fox had an appliance warranty, so he did not have to

  • Look for a technician
  • Pay for repairs
  • Carry the device to a service center
  • Do the repairs himself

Mr. Fox simply called the home warranty company who in turn called up a service contractor with whom they maintain business ties. The warranty company sent a technician to Mr. Fox’s home to take a look at the appliance. The tech fixed the issue right there as it was a minor problem. You see, if the problem was big and if parts needed to be replaced, the tech would have had to wait for the approval of the warranty company before doing it.

Once the problem was fixed, the tech collected the service call fee and departed his way. Mr. Fox lived happily ever after resting assured that if his appliances crashed, he would always have his home warranty company to rely on!

The end




Whether you are seeking to buy a home in the Phoenix area or sell one, you definitely need a real estate professional that you can trust. Some real estate agents perform better than others with regards to a number of homes sold but there are plenty of other factors such as good knowledge of the city of Phoenix, an established professional reputation with former clients to look for while choosing a trustworthy real estate professional. The leading Arizona real estate agents continue finding unique ways of marketing home listings and work diligently to educate homebuyers and sellers.

Top-Class-Real-Estate-Professionals-In-Phoenix

Below is the list of top 5 real estate agents in Phoenix who can assist you with their innovation, their sales production and their proficiency in short sales, investment properties, relocation, second homes and/or vacation homes and much more!

 

Joani Frankel

Trustworthy-Realtor-in-Phoenix

With more than 38 years of experience as an Arizona realtor in the greater metro Phoenix/Scottsdale area, Joani Frankel has watched the neighborhood grow from almost a million people to over 4 million people. Frankel moved to Arizona to escape the cold of the Northeast and was lucky to have a realtor who excelled in “people” services. This know-how framed her skills and values as a Real Estate professional. As a proficient realtor, Frankel is empowered to research solutions and is backed by two skilled assistants to provide supportive, informative and resourceful information. Over the years, Frankel has been active and successful and have acquired a strong network of experts that support her services and help treat each new client with respect and courtesy. Frankel says, “I love life and try to live each day with care, courtesy and consideration for all I meet and all I do.”

As a graduate of Syracuse University, Frankel puts her degree and business background to work for you each and every day. Frankel is a Buyer Broker Specialist at Realty One Group and has consistently listed and sold multiple millions of dollars of property each year. Whether you need a home inspector, a lender, an interior design consultant, a cleaning service or personal concierge, you can avail the best support team to work for you! Since 1978, Frankel has been serving as a dedicated Buyer’s broker and is well versed in problem-solving, contract negotiation and above all, fair, ethical and caring client support and service. Frankel says, “My career goals are only met if YOU are satisfied as I serve as your Buyer’s Representative. You may be looking for your 1st home or your 10th! It might be a condo or a mansion. If you are an investor I’ll help you increase your bottom line!”

Frankel operates mainly in neighborhoods such as Cave Creek, Chandler, Fountain Hills, Glendale, Goodyear, Litchfield Park, Paradise Valley, Peoria, Phoenix, Mesa, Scottsdale, Sun City, Surprise, and Tempe. She is a Senior Real Estate Specialist (SRES) and her specialties include:

  • Representing Buyers
  • Representing Sellers
  • First-Time Buyers
  • Relocations
  • Luxury Properties
  • Senior Housing

Frankel is knowledgeable on reverse mortgages, real estate planning, 1031 exchanges, and housing options and has also been educated on all aspects of 50+ buying and selling.

 

Jacqueline Moore

Best-Realtor-in-Phoenix

A native to Phoenix, Jacqueline Moore is ardent about everything in business, from marketing products to streamlining processes and evolving technology. With a strong eye for detail, Moore knows how to drive initiatives for both the organization and the management team contributing to long-lasting operational brilliance. Her commitment to charitable organizations and the community stem from her background in education. Whether it is monetary support through each real estate transaction, events, and awareness, or daily help involving contact and participation, Moore has become prominent by identifying the communities that support and need support too.

Moore has lately taken the position of leading the Phoenix Operations for Opendoor. Recently listed on the front page of The Wall Street Journal Business section, Opendoor is changing the way homes are bought and sold by bringing top class software, data science and design to an old industry. Based in Silicon Valley, Opendoor is on a mission to help alleviate some of the pain points of one of the more complex, hectic processes; the residential real estate transaction. Every decision in Opendoor is led with honesty, certainly impacting one of the greatest assets around; homeownership.

Before Opendoor, Moore was the Vice President of HomeSmart managing 20,000+ transactions and $4.2 billion in sales volume yearly. Over the years, Moore has been helping her clients through the entire buying process and with the professional standards that her customers expect while selling their homes. Passionate about helping house hunters, Moore is devoted to delivering quality homes to the market. A proud graduate of the Grand Canyon University, Moore enjoys traveling, cooking, and creating the next best finger painting!

 

Dorothy Harrison

Realtor-in-Arizona

Over the past 30 years, Harrison has been committed to bringing happy buyers and sellers together. Whether it’s buying or selling, she ensures to make the process as stress-free and enjoyable as possible! A full-time Associate Broker, Harrison dedicatedly helps her clients by the implementation of effective sales strategies and marketing tools to best market their homes. Harrison has expertise in relocation services (Small or Large Corporate moves), pre-owned, luxury, vacation, and new construction residential homes and is also experienced in real estate investments and 1031 tax deferred exchanges. She has even had the honor of being a pre-licensing Real Estate Instructor for the State of Arizona for almost a decade. Besides, Harrison assisted Bank United of Miami Florida with their REO properties for 2.5 years before their FDIC closure. She has also successfully owned and operated her own real estate company in Texas. As a reliable multi-million producer, Harrison approaches her business with determination, enthusiasm, and passion.

Harrison moved to East Valley in 1998 and concentrates her practice in cities such as Chandler, Phoenix, Gilbert, Queen Creek, Sun Lakes, Mesa, Tempe, Gold Canyon, San Tan Valley, Ahwatukee, and Maricopa. An Alumna from The University of Texas at El Paso, Harrison is proud to hold the following designations sponsored by the National Association of Realtors (NAR):

  • Certified Residential Specialist (CRS) – a designation held by less than 5% of the Realtor population.
  • E-Pro – E-Pro recognizes that the newest commodity in the real estate business is information. By obtaining the E-Pro designation, Harrison now has the internet skills to boost your transactions faster with more efficient technology.
  • Accredited Buyer Representative (ABR) – Harrison meets strict educational and practical necessities set by the Real Estate Buyer’s Agent Council (REBAC)
  • Short Sale & Foreclosure Resource Agent (SFR) – Harrison knows how to help sellers maneuver the intricacies of short sales and also help buyers pursue short sale and foreclosure opportunities
  • MRE – Masters of Real Estate Society 2007-2010 (Arizona Designation)

Harrison is well aware of the latest real estate developments and knows how to discover the finest properties and negotiate the best deals. She embraces strategies to identify desirable properties for buyers and implements innovative marketing techniques for the sellers. As a Licensed Arizona Real Estate Agent, Harrison skillfully manages clients’ transaction details to include inspections, deadlines, title work, loan procedures, and professional recommendations. Harrison’s awards include:

  • International Diamond Society – 2013, 2012, 2011, 2009, 2008
  • International Sterling Society – 2014, 2010
  • Bronze Circle – 2006, 2007, 2015
  • Customer Satisfaction Award 2012

She has the following relocation certifications:

  • Cartus Affinity Specialist
  • Cartus Network Inventory Specialist
  • Cartus Network Referral Specialist
  • Cendant Mobility Referral Specialist
  • USAA Mover’s Advantage “A” Team Certified
  • NFCU Certified Specialist
  • SIRVA RELOCATION – Certified Agent Advantage Specialist
  • ALTAIR Relocation Specialist

Harrison’s interests include football, cooking, gardening, and movies.

 

Liz Harris

Top-selling-realtor-in-Phoenix

Liz Harris has a true passion for real estate. Whether working with Arizona first-time buyers, new home buyers, short sales, luxury home buyers, Harris guides her clients through every step of the real estate process. Harris is one of the highly respected agents and keeps her updated with the newest trends to impart the necessary real estate information to her clients in this rapidly changing industry. Founder of Liz Harris realty, based in Chandler, Arizona, Harris is an 11 year veteran of buying and selling six and seven figure properties in the Phoenix metro area.

A resident of Maricopa County, Arizona since 1999, Harris always goes the extra mile whether it is finding buyers for her listing or placing a buyer in a dream home. She has carved a niche for herself in the Phoenix Metro real estate by specializing areas such as Chandler, Gilbert, Mesa, Paradise Valley, Phoenix, Queen Creek, Scottsdale, and Tempe. As a Certified New Home Buying Specialist, she expertly negotiates with new home builders to get the terms and conditions they want. Harris employs knowledgeable marketers who use cutting-edge marketing tactics to get maximum exposure and increase online presence in minimum time using Facebook, YouTube, Google and more!

Harris symbolizes the perfect blend of positive energy, integrity, and vision while maintaining a strong determination to get the result you want. This has helped her acquire the professional designations such as Certified Short Sale Negotiator (CSSN), Certified Distressed Property Expert (CDPE) and the following:

  • Accredited Buyer’s Representative (ABR) – Harris has met strict educational and practical requirements set by the Real Estate Buyer’s Agent Council (REBAC)
  • Certified International Property Specialist (CIPS) – Harris demonstrates her international experience and participates in international programs offered by National Association of Realtors
  • Short Sales and Foreclosure Resource (SFR) – Harris knows how to help sellers maneuver the complexities of short sales as well as assist buyers pursue short sale and foreclosure opportunities
  • Seller Representative Specialist (SRS) – Harris meets specific educational and practical experience criteria in representing sellers and can guide you through a successful transaction

As a proud wife and grateful mother of 3, Harris finds fulfillment both in her personal life and her business life. She enjoys roller coasters, hot bubble bath and roller skating. Consistently ranked in the top 2% of producing agents, Harris would love to hear from you!

 

Rosa Janssen

Top-Realtor-in-Phoenix-Arizona

With over 25 years of experience in the real estate industry, Janssen’s goal is to help her clients in every phase of buying, selling or investing in real estate. Her experience with RE/MAX, one of the world’s prominent franchisors of real estate brokerage services, help provide the most powerful real estate brand, recognition, and resources to the clients. As a resident of the Valley of the Sun for the past decade, Janssen relocated to Arizona from Park Ridge, Illinois, where she held a Broker’s license and was a legal assistant in a law practice focusing on real estate. Bi-lingual in Spanish, Janssen also holds Florida’s broker license. “My pledge is to provide superb professional services and an exceptional experience!” says Janssen.

Janssen is a very detailed and studies properties thoroughly to obtain the best selling price possible. She is a delight to work with and mainly active in areas such as Apache Junction, Carefree, Fountain Hills, Paradise Valley, Cave Creek, Chandler, Gilbert, Mesa, Phoenix, Queen Creek , Rio Verde, Scottsdale, and Tempe. Her professional designations and certifications include the following:

  • At Home with Diversity (AHWD) – Janssen adapts to increasing cultural diversity in the real estate market and prudently plans to meet the requirements of varied clients, gain a competitive edge, and expand opportunities
  • NAR’s e-PRO – Janssen is dedicated to making the most of today’s technology to help clients with their real estate needs
  • Graduate, Realtor Institute (GRI) – Janssen has an increased knowledge and skills in a broad array of technical subjects and the fundamentals of real estate
  • Short Sales & Foreclosure Resource (SFR) – Janssen knows how to help sellers maneuver the complexities of short sales as well as assist buyers pursue short sales and foreclosure opportunities
  • Seniors Real Estate Specialist (SRES) – Janssen is knowledgeable on reverse mortgages, real estate planning, 1031 exchanges, and housing options and has been educated on all phases of 50+ buying and selling
  • Seller Representative Specialist (SRS) – Janssen has met specific educational and practical standards in representing sellers and can guide you through a successful transaction

Additionally, Janssen has earned the Certified Negotiation Expert (CNE) designation and the Green Certification. She was recently acknowledged into to the Master of Real Estate (MRE) Society by demonstrating her commitment to excellence through professional education and practices. Less than 1% of REALTORS in Arizona belong to this elite Society.

Janssen along with her husband Sascha, an expert helicopter pilot and also multilingual in German and Dutch are active in local organizations including Christ Church of Fountain Hills and Fountain Hills Sister Cities. She enjoys the outdoors and spending time with family, friends, and her two sons. “I look forward to meeting and working with you, and welcome the opportunity to demonstrate professional services that get results!”




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’re a resident of Oregon, this is an article you wouldn’t want to miss. Every homeowner worth his salt must be well informed about the best home warranty companies in the state they reside. Being a coastal state in the Pacific Northwest region, Oregon has a diverse landscape which makes it a very popular choice for potential home buyers. All the more reason why you should go through this article because who knows, you may settle down in Oregon one day!

Home Warranty Companies

Oregon’s Best Home Warranty Companies

 

As you know, our website hosts reviews from actual customers of home warranty products from across the country. These reviews form the basis on which various companies are ranked on our site. For your convenience, we also have a list of top ten home warranty companies in the country. And based on the reviews collected from the customers in Oregon, here’s a list of top home warranty providers in this region-

  1. American Home Shield
  2. The Home Service Club
  3. Select Home Warranty
  4. Landmark Home Warranty
  5. HSA Home Warranty

In more detail, here’s the list of top competitors.

1. American Home Shield

Considered as the founder of the home warranty industry, American Home Shield, or AHS as it is commonly called, is a company that has over 40 years of experience. AHS has come to be a company that has a nationwide footprint with many customers praising its services. AHS claims that their plans are designed to help out homeowners, sellers, buyers and Realtors alike.

With plans that cover most appliances and systems in the home that too at compelling prices, AHS has garnered many rave reviews. On an average, a standard plan comes at an annual premium of $249-$500+ and the deductible per service visit charge ranges between $75-$125. AHS claims to have a massive contractor network with over 11,000 technicians who are selected after a stringent screening process. With positive reviews flowing in from all parts of the country, AHS rightly deserves to be called one of the best home warranty companies.

2. The Home Service Club

Serving across 49 states in the US, The Home Service Club (HSC) is yet another major player in the home warranty industry. HSC, like its counterparts, have designed plans that are suited to cover major appliances and systems in a home at affordable prices. The company believes that they are innovators who constantly come up with new ways to help improve customer satisfaction and the quality of the services they provide.

A standard plan offered by HSC costs around $400 and the deductible charged per service visit ranges between $75-$125. HSC is also one of the few companies that don’t mandate a home inspection prior to purchasing a warranty product from them. The company’s contract network is extensive and like most of their counterparts, HSC too has around the clock customer service facility and also an online claim submission feature.

3. Select Home Warranty

Yet another tough competitor in the state of Oregon is Select Home Warranty or SHW for short. Select Home Warranty is headquartered in New Jersey and has quite an extensive coverage across the country. And like other companies on this list, SHW too takes pride in its massive contract network with over 10,000 carefully selected technicians.

For homeowners in Oregon, select has three main plans to offer. They come in varying levels of coverage and are priced between $299-$499. Service call fee per visit is on an average around $60. SHW does not place a restriction on the age or the size of the property to be covered, neither do they mandate a home inspection prior to signing the home warranty contract. This is a rare feature and it makes them all the more loved.

4. Landmark Home Warranty

Landmark Home Warranty(LHW) is a company that provides services in the states of Arizona, Oregon, Idaho, Utah and Texas alone. Despite the lack of nationwide footprint, LHW has managed to garner rave reviews in states that operate in. They also offer pest control, re-keying and heater tune-up services in certain states.

LHW too provides plans that are designed to provide peace of mind to the homeowners. With most of major appliances and systems being covered, the plans come at reasonable prices, ranging between $425-$625. Deductibles too are charged nominally, at around $60 per service visit.

5. HSA Home Warranty

Home Security of America Home Warranty or just HSA Home warranty, is the final company on our list of top 5 companies in Oregon. With over 30 years of experience in home warranty sector, HSA has grown to become a popular choice among American Homeowners. Headquartered in Cross Plains, Wisconsin, HSA is a company that claims customer satisfaction is their prime area of focus.

Home warranty plans by HSA come in two variants each with varying levels of coverage and priced between $589-$619. The deductible per service visit charge ranges between $75-$100. The company also allows customers to customize and extend their coverage by adding items from a select list of add-ons. The annual premium would then vary based on the level of coverage picked by the customer.

The Final Word

What we have provided you is just a list based on the reviews that we have gathered on our site. There would be other companies in the local market who are equally commendable. So the only way to make a wise choice is by doing ample amount of research. Our site offers profound insights about various companies across the country. You could also take a look at the award winning home warranty companies to help with your decision. As always, we welcome your questions and would be more than happy to help you out. Cheers!