8 Important Winter Home Protection Tips

Winter Home Protection TipsThe leaves are starting to turn and the chill is in the air, and now is the time for homeowners to prepare their residence for winter. With heating rates expected to rise this year, winterizing your home could save money on lower heating bills and remove expensive damage to the house from the elements.

The most crucial things to check are testing for leaks around the house and to make sure that heating is efficient. Experts suggest scrutinizing your home and making necessary repairs now prior to that first snowstorm.

During previous year, more than one third of home insurance claims were weather related. Many of those claims have been prevented if the homeowner had some time to prepare their home for the winter months. Here are some simple and helpful tips to get your house ready for the winter so that you can be comfortable, warm, and safe should bad weather hit.

1.Seal the Envelop of your Home

Seal Your Home's EnvelopeNow it is the time to look for cracks and places that need caulking or sealing. It will help you out save money in the summer and winter by reducing air infiltration.

Try to find cracks around windows, faucets, doors, dryer vents, air conditioning vents and any other place that something can come through the wall. Most cracks can be sealed with superior quality exterior caulk – it’s reasonable and comes in many colors to match the exterior. In case you do not find areas with big cracks, you may have to use expandable foam.

It is suggested patching any areas with cracked paint as exposed wood has no hurdle against moisture, which can cause more grave problems. To get warranty for all these appliances check out our Home Warranty Reviews guide.

2.Make sure Doors and Windows are Sealed Properly

Sealing DoorAs half of your energy costs go to heating and cooling your home, you need to make sure that windows and doors are tightly sealed. Confirm that weather stripping is installed and that caulking around windows is not missing or cracked. Make sure that weatherstripping is set up and that caulking around is not missing or cracked. This is also the time to take away screens and put in storm windows.

If by now you have weatherstripping, look whether the foam’s is in good form. If it’s not then take off a small strip and then take it with you to the store so as to match it with new weather stripping as that will give you the best seal.

3.Protect from Critters

While you are walking around, try to find access points for small animals and insects. Closing any holes can put off squirrels and other animals from living in your warm attic all through the cold winter months and causing long-term troubles.

4.Inspect Gutters and Downspouts

Winter Home Protection TipsOnce the leaves have fallen, clean up the gutters and check for any needed repairs. See where the downspout directs the water and ensure water doesn’t puddle and stay near your foundation. Gutters that don’t handle run-off usually create ice dams. Take care of the melting ice as it can pool and cause roof rot.

5.Protect Wood Floors

You mainly want to protect your hardwood floors from winter walking wear and tear as you are most likely to be indoors in winter. Also, with wet weather mud comes, so reduce the amount of dirt and mud as this will scratch up the wood. Try keeping floor mats by the front and back doors and even an outdoor mat for pre-wiping your shoes. Also, for wood floor protection, it is important to not let water just sit on your wood flooring as it will mold, warp and damage the floor.

6.Trim Tree Limbs

Cutting Tree Limbs

Heading into the colder months is the best time to cut down any tree limbs that are touching or are near the roof. These could damage the shingles (shingles guard the roof from water and moisture and prevent roof rot and leaks). Besides, also remove any weakened or diseased trees or else they could fall from bad weather storms.

7.Take care of Faucets and Pipes

You don’t have to do this if you have frost-proof faucets. Wrap any available pipes in your basement or attic with foam pipe wraps. This help prevent any freeze damaged and burst pipes and help you save funds since it will take the hot water for use.

8.Insulate your Attic

Insulate Your Attic

Even though most houses have less than 6 inches of insulation, you need no less than 12 inches. If you can roll insulation, you can get your money back in energy savings within 6 months. Even adding one or two rolls at a time will still have an advantage. When rolling insulation, employing unfaced insulation without paper rather than faced insulation prevents trapping moisture in the insulation down the road.

Lastly, plan an appointment with your heating company. It is good to get an annual tune-up, you need to be sure your homes furnace or boilers are working well. This helps your home be energy efficient and aids prevent carbon monoxide leaking into the air, which can become a toxic gas. This is something that needs to get done in every home; we tend to do ours in mid fall just to ensure with the holiday crazy that we don’t fail to remember.

If you have not planned yours yet, call a professional now!

So there you have it, there are many home improvements from light fixtures to leaky faucets bookcase building and deck finishing.

Paying attention to these important home improvement projects before winter will keep your family safe and your heating expenses down.

==> Click here to get  Price Estimate for Home Warranty.






On the lookout for appliance repair costs? Fret not! We have collected the information you need. In this article we have covered the repair costs for the common household appliances.

This is just a generalized average national cost for the whole of USA. The cost will vary from state to state. If you have a Home Warranty you can save loads of cash on repairs and replacements. The chart we have here lists the costs for appliances that are fairly old (above 4 years) and normally in such cases, an appliance warranty is highly recommended.

Appliance Repair Costs

The figures displayed above was computed by taking the average of the prices from various sources including Home Advisor and HomeWyse

With the data available on sites mentioned above, we calculated the values by taking the average national repair costs. Another thing to keep in mind is that the labor charges also vary from jurisdiction to jurisdiction. You need to account for that as well.

May we remind you again that this is simply an estimate of the amount involved in repairs of household appliances. As mentioned before, the costs vary significantly with the state you reside in. Costs can be higher than the prices quoted here. If your appliances are over four years old, consider purchasing an appliance warranty. For assistance, you can refer to our Home warranty buyers guide.

Home Warranty To The Rescue

According to various reports, the repair/replacement cost of a single appliance is almost equal to the annual premium of a home warranty plans. On an average, a basic home warranty plan would cost somewhere around $250-$600. From the table above we can see that in some cases, repair charges alone are $250+.

Hence, on many aspects it seems wise to purchase a home warranty. These plans also have the added beauty of being convenient. No homeowner will have to go looking for a technician or carry the broken appliance to a service vendor to get it fixed.

That said, it is vital to purchase the home warranty from a reputable provider to avoid unpleasant experiences.

Maintenance tips

Wouldn’t it be much more easier if the appliances would take care of themselves? Sadly that is so not happening. Every homeowner must ensure that his/her devices are maintained well because, mind you, common warranty programs do not cover damages resulting from lack of maintenance (unless you opt for such plans.). So let’s discuss a few tips that helps maintain clean and properly functioning appliances.

Garbage disposal

That’s one place that requires quite a lot of work.  Let’s begin with what we must NOT do so that they don’t get clogged up and cause a headache

  • Never put bones, corn husks, egg shells, uncooked rice/ pasta into the garbage disposal. In short no hard, non-biodegradable substance must go into it.
  • If you have to dispose veggies and fruit peels, chop them into small pieces. Do not think that the big chunks would naturally break down in the drain. They will only clog it up leading to a rather expensive cleaning procedure.

For further assistance, read All you need to know about Garbage disposals.

HVAC

This one needs major attention because a badly maintained HVAC gadgets such as a furnace can be a source for carbon monoxide, known as the gas that causes asphyxiation (which by the way is fatal)

Moving on to the tips

  • Keep the vents and also the area around the appliances sparkling clean
  • Never let any combustible substance come near the HVAC units.
  • Units that need lubrication for smooth running must be regularly serviced by experienced technicians.
  • If your heating/cooling unit has been damaged for quite a bit of time, consider shifting elsewhere until the issue is fixed. As mentioned before damaged HVAC devices produce carbon monoxide, if you inhale that, your health will be adversely affected.

Refrigerator

  • Keep the coils clean.
  • Set the right temperature.
  • Refrigerators need “thermal stuff”. That means you should not keep it empty.
  • Be prepared for power losses. Keep the refrigerator closed if power goes off, so that some amount of coolness is retained.
  • Always close the doors properly.

Well we could go on all day discussing tips, because trust us there are quite a lot of appliances out there. For your convenience (and ours), let’s just take a look at Home Maintenance Tips for a much more detailed description. Hope you enjoyed the read, thank you!




Considering that you are on a website devoted to home warranties, you may already know what a home warranty is. It is essentially a service contract that agrees to provide you with  repair/replacement services for appliances or systems in your home. Most homeowners wonder whether annual premiums are put to better use if they are set aside as emergency fund instead of being paid to warranty providers, hoping that they will come to the rescue if a breakdown happens. The question here is, what if the annual premium is paid and no claim is raised in that year? This article will address the question in detail.

Protect Your Budget

Home Warranty & Budget Protection

 

How Does A Home Warranty Work?

A home warranty company maintains a network of technicians and service vendors, who are dispatched to a customer’s house as and when a claim is raised. The customer is often charged only a service call fee and not the entire expense of fixing a damage. Here’s how home warranty benefits the homeowner

  1. The homeowner doesn’t have to step out of the home to look for a contractor.
  2. The damaged appliance(s) does not need to be taken to a repair outlet.
  3. The cost of repairing the damaged device is usually in hundreds if not thousands.
  4. Some damages are irreparable, which would call for a replacement of the entire appliance, costing a lot.
  5. Home warranties are known in many cases, to increase the sales price of a property.

What they fail to recognize is the very real potential that they will spend more than a few years’ home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Don’t you think it’s worth?

How Does Home Warranty Protect Your Budget?

Many homeowners have expressed concerns about the annual premium that is paid for a year in which no claim was made by them. However, what they fail to recognize is the very real potential that they will spend more than a few years’ worth of home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Minus a warranty, an average repair cost would be around $500-$1000 for a typical household appliance. Replacing would definitely cost more, sometimes several years worth of annual premiums.

As you can see, annual premiums seem like a very small fee in comparison with the amount you would have to pay if an appliance breaks down.

Let’s take an example of a typical homeowner, we’ll call him Mr. Bond. Mr. Bond believed that setting aside $400 every year for emergency repairs would make more sense than purchasing a home warranty plan. Three years into this practice, his HVAC unit decided to call quits. Mr. Bond asks around and finds out (to his dismay) that a high end HVAC system would cost around $5,800. He had saved up around $1200 and all of that wouldn’t help him get a new one.

Had the story been different and if Mr. Bond had opted for a home warranty instead, he could’ve had the replacement done at a fraction of the cost.

When Is A Home Warranty Not Advisable?

The only time it doesn’t make sense to opt for a home warranty over saving that money is when your house and the appliances in it are new. As a rule, home warranty is only recommended for folks whose house and its contents are over four years old. If you belong to this category, then the chances of your appliances or systems breaking down are low. So paying annual premium to a home warranty provider may not make sense, especially when many of the appliances at your house are still under warranty.

The Final Word

If you meet any of the conditions mentioned below, buying a home warranty will likely provide you with budget protection and not to mention, feeling of confidence. Here are the parameters-

  • If your house is 4+ years old.
  • If you are not great at DIY repairs.
  • If you cannot afford expensive repairs and replacements at frequent intervals.
  • If you do not have time to do a repair yourself or go around looking for a contractor.

If you meet any one of the above mentioned conditions, you will probably benefit from an appliance warranty. As long as you go with a company that is reputable, you should find yourself with nothing but pleasant outcomes.

If you are still unsure, we suggest that you look into our guide for home warranty buyers. Once you do that, you may want to look at some of the best home warranty companies in the country to get things started. Should you have any concerns, don’t hesitate to holler at us. Cheers!




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

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

Extended Home Warranty

Before deciding on extended warranty

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

Cost consideration on home warranty

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

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

Importance of extended home warranty

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

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

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




I am assuming that you recently faced a situation where you looked hours and hours for that thing you’ve been urgently wanting, yet ended up not finding it among the mess that is your home.

Well, its never too late to start organizing your stuff. It is not the easiest thing you will be doing, Martha Stewart has even  written a book on this topic. As you see, organizing can be hard work, but it does pay off.

Some of you possibly landed on this page owing to your love for organizing. Either way, I suggest that you continue reading.

Assess the mess. Determine how much organizing is needed. Write down the things you need to sort urgently. If you have kids, ask them to join you. You can turn decluttering into a fun activity, plus the extra hands help immensely. So, lets begin.

1. Find the important objects. Lets start with the main door. This is where the keys and other similar articles are often thrown around. Find a box or a bowl that you can place on a level surface. Put all your keys in it. Over the time, develop the habit of placing your keys in this bowl, ONLY in this bowl. You can also place your bills in this bowl, that way you won’t forget about any pending payments.

2. Locate the mess. Walk through your home. Observe where the stuff accumulates. Most homes have this one spot where everyone dumps all their things, Locate this part and place a shelf or at least a wicker basket there. You can label it as “Dump not-so-important stuff here”. This is not a very endearing method, but for those of you who are extremely lazy, this will help in keeping the mess contained to one single basket.Organize Home

3. Sort it all out. Get three large baskets. Or boxes, whatever you have. Start with one room and begin sorting through you things. Put all the things that you intend to keep into one basket, put all the things that you don’t need in the second basket and put all the things that you wish to donate into the third basket. Repeat this step in all the rooms except the kitchen. Yes, that includes the bathroom too. Once this is done set the boxes aside.

If your kids are helping you, tell your kids to put away the “Donate” and “Dispose” baskets/ boxes. Make sure that they don’t use that chance to run away so that they could skip helping you with the remaining sorting tasks ( Mind you, my helper disappeared halfway through finding a box for the keys).

4. Do some further sorting. Sort through the “Things you need” basket. This will take some time. You could turn on some music and make it a fun chore. Separate the objects based on function and priority. Or you could simply separate them based on their nature. Papers together, solid articles together, not-sure-what-category-they-fall-into together. Then proceed with sorting through individual categories. Eg, sort through your papers and separate them into bills, random stuff, notices, letters etc. Apply the same strategy to the solid and not-sure-what-category materials too (Told you it wasn’t easy). Once you have finished this Herculean task, proceed to step 5.

5. Don’t litter. Place waste bins in each room. This will immensely help in keeping your home clean. Kids have a tendency to throw candy wrappers and other waste material, under their beds because they are too lazy to walk till the kitchen where a big waste bin is kept. If there is sufficient space, you can also keep a laundry basket in each room.

6. Clean your wardrobes. This is yet another difficult task which I am sure you are dreading by now. Everyone has a messy wardrobe phase, its best to get over that quickly. Once you start a busy career, having to swim through your pile of clothes will not help you in reaching meetings on time (trust me on this one, my wardrobe was once a chair with all my clothes piled on it). Fold your clothes neatly or hang them if you have the provision for it. Separate your clothes based on their function, coats together, stoles and shawls together and so on. Sorting shoes may be easy, all you have to do is arrange them in a row in pairs. Well, if you are a shoe-maniac, Lord help you then.

Organize Your Home

7. Let’s go to the kitchen now. No, we’re not going there for a snack to make you feel good after all the hard work. We’re are going to do some more work. So begin with your shelves, throw away all the expired/ rotting/ unidentified objects.

You may think that its a good idea to spray some insecticides inside your cabinets, please DON’T do any such thing. Insecticides are lethal, if they touch any part of your food, you might get poisoned. Once you’ve thrown out all the bad goods, place all the remaining stuff on your counter, sort through them and put them back in the cabinets. Close the cabinets tightly.

8. Good storage means less mess. Find effective storage solutions. Remember all the stuff you sorted with the music on? It’s only going to return to its former messy state unless you put them away neatly. If you don’t have enough shelves and cupboards, get some, even second hand ones would do. Place them in common areas and arrange all your stuff on them. Arranging your jewelry can be difficult.

You can buy objects designed specifically for that purpose or you can simply hang them on an old wire rack. If you have little kids who throw their toys around, get a large basket and place them in a suitable location. Teach your kid to put all the toys back in it once he is done playing ( Yeah right ! As if this would work, you are going to have to put the toys back in yourself).

9. Use empty spaces. Be it a large one or a small one that hardly fits a book, don’t let any space go wasted. If there is a space that can fit a shelf or a cupboard, use it well. It will help a lot in the long run.

10. Avoid buying things you don’t need. Last but not the least, try not to go crazy when you are on a shopping spree. Think twice when you see something nice. If you are not certain whether you need it, don’t buy it. It will help you save tons of money and it will also keep your home clean.

Once you are done organizing your home, take a moment and recall how hard that was to do. I’m sure that it will serve you as a reminder next time you fling you coat somewhere. Feng shui says that your state of mind and health will always be better if you live in clean and organized surroundings. You know that’s true. The American culture is very avid about organizing, so you are sure to find some trendy and useful organizing stuff if you look for it. Well, enough reading, go on and organize your home. Good luck!




Warranties for newly built homes guarantee to replace or repair certain elements of the home, if needed, within a definite time. If you are bearing mind a new home warranty, it is significant to realize what it covers, how to make a claim, and the procedure for resolving disputes with the builder or warranty company.

Protection for your Newly Built Home

Home warranty for new homes

A new home warranty can offer peace of mind for homeowners, assuring that if something goes wrong in the early stages of a home’s life, it will be covered. Many appliance service contracts sold to homeowners are backed by the builder; others are procured by the builder from an independent company that presumes liability for certain claims. For added protection, homeowners may pay for coverage on their own from third party warranty companies in order to supplement the coverage their builder offers. The Federal Housing Authority (FHA) and the Department of Veterans’ Affairs want builders to buy a third-party warranty as a way to defend buyers of new homes with FHA or VA loans.

New Home Warranty: What’s Covered?

New home warranties usually offer limited coverage on workmanship and materials relating to different components of the home, such as heating, windows and air conditioning (HVAC), electrical systems, and plumbing for definite periods. A warranty also normally defines how repairs will be made.

The length of coverage differs depending on the component of the house. Coverage is offered for workmanship and materials on most components all through the first year. Coverage for plumbing, electrical systems and HVAC is usually two years. Some builders offer coverage for up to 10 years for “major structural defects,” sometimes defined as problems that make a home insecure and put the owner in danger. For example, a roof that could crumple is a “major structural defect.”

Nearly all warranties for newly built homes, however, do not cover costs an owner may acquire as an outcome of a major construction defect on warranty repair, similar to the expense of having to move out of one’s home while repairs are being made. Nor do they in general cover:

  • Household appliances
  • Small cracks in brick, tile, cement or drywall
  • Components covered under a manufacturer’s warranty

To know more about coverage, look into what’s typically covered in a home warranty plan.

Filing a Claim

If you have a flaw in your new home that may be covered by your warranty, first study the warranty or service contract cautiously to ensure that your problem is covered. Give particular concentration to the length of specific types of coverage.Home Warranty Claim Form

Specialists suggest that its owners pursue the matter with both the original builder and the home warranty company. The builder possibly will defer to the warranty company, but at least they have been alerted.

Homeowners must make a list of the troubles that they want to get resolved and should make sure that the problems are covered under the home warranty. Pay attention to the “performance standard” section of the document, which records common problems and explains to what extent the builder is liable for fixing them.

Next, file your claim as per the instructions in your warranty, and put your application for repair in writing, even though the company offers a hotline for urgent needs. Ask for a return receipt, and keep a record of your correspondence and conversations with the company. Probabilities are your claim will be managed to your satisfaction, but if a dispute occurs, it’s good to have a record of your dealings with the builder and the warranty company.

In best-case scenario, the builder or the home warranty company will fix the problem. If issues continue, however, the problem could go to settlement.

Protect Yourself from Future Problems

One way to safeguard against future problems is to appoint a home inspector to inspect the house before taking custody. Many new homeowners think that they don’t need a home inspection since municipal building inspectors have signed off on the work done in the home; the house is new; and it is covered by a home warranty.

New homeowners should also bear in mind to keep a maintenance file comprising documentation of everything done on the home, including regular and special maintenance. The paperwork will come in handy if a claim is required.

In filing a claim, homeowners must keep in mind to be persistent. It may take a while. In the end, diligence pays.

New Home Warranty: Disputes

Frequently, a dispute occurs between a homeowner and a builder or third party company over whether a defect is covered or whether repair was finished appropriately. Many warranties provide for meditation of disputed warranty claims on newly built homes, followed by compulsory binding arbitration. In meditation, a unbiased third party – a mediator – assists the homeowner and the company resolve the problem by making the discussion easy between both parties. It is up to the homeowner and the company to settle an agreement.

In case meditation does not work to resolve the dispute, it is possible that the homeowner would be needed to put forward any claim to arbitration, instead of going to the court. In this procedure, an “arbitrator” or panel makes a decision or award once the participants present their cases. Some warranties let the homeowners pick an arbitrator from a list acceptable to the builder or the third-party warranty company.

Arbitration is less formal than court. Most warranties want that both parties obey the arbitrator’s decision, without appeal. If your loan is funded through the FHA or VA and you file a claim against the third-party warranty company, you can opt between arbitration and going to court. If you pick arbitration, realize that you are bound by the verdict.

Costs of a New Home Warranty

Home Savings

Even though arbitration is normally less pricey than going to court, home owners can anticipate shelling out several thousand dollars so as to take their claim through the process, based on the complexity of the arbitration. Understand your warranties carefully to decide what arbitration outlays or costs the homeowner is liable for and what expenses the builder must pay.

A few companies provide homeowners the option of arbitration or going to court. Sometimes builders disburse all costs related with arbitration to support a homeowner to agree not to take the issue to court.

You can also use our absolutely cool tool to get a free home warranty quote!

More Information on New Home Warranty

To discover more about warranties on newly built homes, get in touch with your state or local builder’s board. If you have loan insured by FHA, call the closest U.S. Department of Housing and Urban Development field office for additional information. In case you have a VA loan, you can contact the nearest VA office.

Further, you can also compare and choose home warranty companies depending upon your requirements.




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.




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

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

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

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

1. Appliance is not covered

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

Home Warranty Claim Denials2. Appliance is not maintained properly

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

3. The damage is pre-existing

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

4. Unusual wear and tear

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

5. Code Violations and improper installation

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

What should a customer do when claims are denied?

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

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

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




Author: Ron
Posted in – HSA Home Warranty

2 service/repair issues the first year in my 13 year old home in Las Vegas, Nevada (water heater & refrigerator not cold). $55 deductible.

Customer service – contact w/HSA through their website. Not much to report on that.
Timeliness – HSA responded Monday morning when water heater broke on Sunday morning… HSA responded 3 hours after refrigerator service call made (weekday).
Repairs – Replaced water heater 2 days later after technician visit. Had to pay $325+deductible for items not covered under warranty… Refrigerator repaired same day.
Overall – only complaint was that service company had to reschedule service for refrigerator repair (1 day). I plan on renewing w/HSA. HSA is good in the Las Vegas area. (warranty companies are only as good as the service companies they use)

(I noticed the complaints about HSA as well as all the other warranty companies. I work in the a/c service industry and run into the same complaints found on this message board. Problem is that people do not read the contract throughly and thus the complaints. You have to have service done on appliances, like your a/c, pool, heater. Items over 10 yrs old will have to be replaced because of technological innovations and the discontinuation of parts for the old units. i.e. you can’t expect a car over 10 yrs old to run well if you don’t service it, plus the older it is, the harder and more $$$ the part would be.)

You can see all comments on this post here:
HSA home warranty ratings




Home is where thy heart is, and there is no greater pleasure than coming back to the place where you belong. But a leaky tap or a broken air conditioner can ruin it all. Buying a home is a huge investment and maintaining it is  equally taxing. Appliance breakdown or plumbing issues not only burn a hole in your pocket but also ruins your peace of mind. Home warranty can be the tool that can make your life hassle free.

What Is a Home Warranty Plan?

Home warranty is a service contract that promises to repair or replace damaged appliances and systems, provided it meets the terms and conditions of the deal.

Guide To Home Warranty

A warranty differs from a general homeowner’s insurance policy in that it covers repairs and replacements of faulty appliances or systems whereas homeowner’s insurance covers your home and its contents from uncertain events  such as loss, theft, and destruction. Home warranty is different from a manufacturer’s warranty as well.

Should You Buy A Home Warranty?

If your appliances and systems are no longer under the manufacturer’s warranty or you just want the added peace of mind, then yes a home warranty could save you money in the long run and cover the maintenance that your home insurance does not.

What is covered?

In home warranty, coverage depends on the value of purchase. In this case, the more the merrier. The coverage groups the appliances into different categories. The following are usually covered in a first-tier or second-tier plan offered by home warranty companies. For a complete list, check what is covered in a home service contract article.

Major appliances

These generally include appliances such as an oven, refrigerator, dishwasher, garbage disposal, microwave, washing machine, clothes dryer and ceiling fans.

Heating and cooling systems

These usually include furnaces, air conditioners, heat pumps and ductwork. However, portable air conditioners and heaters are not always covered.

Plumbing

It includes indoor pipes and drains, faucets, swimming pools and hot tubs.

Electrical systems

Covers electrical panels, wiring, garage door openers and door bells.

Are you a homeowner? a home buyer? a seller? or a real estate professional? It does not matter which end of the deal you are at. Home warranty is bound to benefit all.

Homeowner And Buyer Benefits

A perfect home protected by a home warranty is like a cherry on the icing. It provides peace of mind to the homeowner who otherwise might not be able to meet unexpected repair bills when one has already invested a lot on a house. The benefits of a home warranty plan include:                                                                                                           benefits

  • Cash flow protection on unexpected repair and replacement of appliances.
  • One call and a nominal fee, the issue is sorted.
  • No need to screen and follow up with contractors and other professionals.
  • Most major systems and appliances are covered under the standard plan.
  • Provides ongoing home protection, renewable year after year.

Seller Benefits

A property with a home warranty can generate greater demand. Homes listed with a home warranty are more attractive to potential buyers, and tend to sell faster and often fetch a good price. The benefits of a home warranty for a seller are:-

  • Appliance protection plan as an incentive to attract buyers.
  • Minimal cost premium not paid until closing.
  • Budget/cash flow protection on unexpected repairs.
  • Reduced after sale worries. This means, if a breakdown happens after closing the deal, buyers will call the warranty company not the seller.

Real Estate Professionals Benefits

A home warranty is a very important aspect of the real estate transaction providing many benefits during the marketing period, while the home is under contract and after the close of sale:-

  • Homes with home warranties tend to sell faster and closer to the asking price – minimizing marketing efforts.
  • Reduced after sale hassles – when a buyer experiences a breakdown, they call the warranty company, not the agent.
  • Satisfied clients will generate increased repeat/referral business.

How Do I Select A Home Warranty Plan?

A number of different companies offer home warranty plans. Regardless of who pays for the policy, the buyers should review the coverage from various companies and select the one which suits the best. Read the fine print carefully to spot coverage limitations and exclusions. Be sure to get a home warranty plan that covers “pre-existing conditions” which were not known to the sellers or their agent. Pre-existing defects that were known are excluded from coverage.

Possible Exclusions In A Home Warranty Plan

home warranty exclusions

A home warranty can cover almost all your household appliances and systems, as long as you are prepared to pay for a high level of coverage. Warranties generally do not cover things such as permit fees or hauling fees, nor cosmetic structures that are part of your appliances that can easily be replaced, such as: oven rotisseries, broiling and baking attachments, refrigerator shelves and bins and water filtering devices. Here is a list of possible exclusions which you need to be careful about.

 Structural Problems

Warranties do not cover any structural problems in your home, such as a crack in the basement wall or a leaky roof.

Pre-existing Problems

Even for the things that are covered, a home warranty company will not usually agree to repair or replace appliances or systems that had pre-existing problems at the time when you obtained the warranty.

Lack of Maintenance

The company may not be willing to repair items that were improperly maintained or installed or that violate building codes.

Hidden charges

Take note of any extra fees. Some home warranty contracts charge extra fees in addition to the deductible, including service fees and missed appointment fees.

Limited number of claims

Improper previous repairs, pre-existing problems and more are excluded from coverage. Also, some companies may limit the number of claims you can file.

The pain of finding a repair person or replacing your appliances can be avoided with a home warranty plan. It can free you from the financial burden of expensive repairs and replacements. But, we provide you reviews on companies by many homeowners, homebuyers and real estate professionals. This will aid your efforts to choose the right company suiting your needs. Want to receive quotes from a list of companies? Just provide your zip code and address and the job is done! This means no waste of time in signing up.

Like any other insurance, home warranty is also bound by clauses, therefore read the fine print and make yourself aware about the hidden clauses to make best use of the deal.




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

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

Consider Your Options

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

How much peace of mind do you require?

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

Should you renew your home warranty program?

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

Things to Consider When Renewing

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

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

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

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

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

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

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




By:  Kevin Wallach


One of last year’s most talked about movies, “The Big Short,” got people thinking once more about the great housing market crash of 2007.  The film, based on true events, cut to the heart of the abuses of government regulatory weaknesses that allowed one of the worst market collapses in history to occur.  Though that financial crisis is behind a great many, plenty of U.S. homeowners are still feeling its effects in the form of an upside down mortgages, loans bigger than the value of the houses that collateralize them.  According to NBC News, 13% of U.S. homeowners are still seriously underwater.  This estimate was based on figures provided by RealtyTrac, and the basis for the term, “underwater,” was that the home’s value is 25% less than what is currently owed by the homeowner.

From Buyers Market to Seller’s Market The U.S. Housing Shortage

Imagine what this means for the homeowners.  You face the choice of holding on to a house that may or may not ever reach a value which would match or exceed the mortgage.  For many families, this just is not an option.  The other prospects are not any better, though.  Accepting foreclosure or a short sale can be as damaging to a consumer’s credit rating as a bankruptcy.  The long term effects of having poor credit can be devastating, particularly so for families barely hanging on financially and experiencing long-term decreases in household income.

It’s no surprise then that homeowners who owe more on their homes than the houses are worth should be cheering the current situation facing the housing market.  That situation, of course, is the housing shortage that is being realized nationwide, worse in some regions than others.  In a blog post on Trulia’s website just days ago, the online publisher of real estate industry information broke down factors that are contributing to the shortage of homes and particularly the shortage of affordable ones.  According to that Trulia article, 95 of the 100 largest U.S. metropolitan areas have seen dramatic drops in the number of new starter homes being built.  If you compare these metro areas with various measures of employment opportunities, you begin to see that what’s driving the economic recovery in some regions may also be driving a split between housing that is affordable for the most fortunate among us and that which is affordable for the average worker or for the working family.

Talk of a housing shortage may seem bizarre to those who are still watching their property values hover, stuck in a zone that seems almost permanent.  These homeowners are witnessing a recovery in a housing market that has not been evenly experienced nationwide.  While places like southern California see spikes in prices of even undeveloped land, much of the country is seeing stagnation, except in neighborhoods with premium housing options.  So while inventory nationwide is shrinking, it’s not necessarily translating into big opportunities for owners of homes around the United States to sell at break even or a profit.  And those who do sell their lower-priced houses as such are running into problems finding houses that they can afford at the next price level.

So, what is it that’s really driving housing shortages, if not healthy employment and more people moving from their first house to their second, and more expensive one?  This is where speculation can lead to some pretty grim possibilities.  Back in January of this year, The Washington Post gave some predictions for the housing market in 2016.  Among those visions of the coming year were sunny forecasts of continued rising home values, built on solid ground this time, unlike the lead up to 2007.  But what the Post’s article may be wrong about is how solid the ground is under these increasing housing costs.  According to some market analysts, a new type of real estate investor is largely taking the place of larger institutional investors.  These “mom and pop” investors are, unlike their larger predecessors, using credit, not cash, to make these purchases.  In this article from RealtyTrac about mom and pop investors in the real estate space, the purchase of homes is secondary to the effort to purchase the loans themselves.  And it doesn’t end with small investors who buy distressed houses on credit or who buy non-performing loans (NPL) and usually foreclose, adding to reduced house values in areas already struggling to rebound.  There is evidence, as Fortune reflects in their recent article, that a number of large scale investment factors are directly contributing to overvalued real estate in the U.S., an undercurrent that is buoying sales of overpriced homes, thus leading to a shutout for prospective buyers with budgets that just are not big enough for the market’s demands.

If worst case scenario predictions prove to be true then American homeowners should not expect to see the continued value increases predicted by optimists and eager salespeople.  And if it proves to be true that the shortage is mostly built on speculation, much like the bubble that burst in 2007, then that 13% of underwater mortgages reported by NBC News may, in the not-so-distant future, grow much bigger again and abruptly end the housing shortage.


About the Author:  Kevin Wallach has written about the home warranty industry and other homeowner related topics since 2009.  He is actively involved in the marketing of home warranties, as well as being an active member of the larger industry.  He is the administrator of the Linkedin group for the home warranty and home service contract professionals.

HomeWarrantyReviews.com is proud to bring our readers editorial articles such as this one. If you would like to see other topics related to home ownership covered in future editorial articles, please let us know. And if you came here today to read about home warranties then please consider one of our recent articles about home warranty companies and their services.




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.




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

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

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

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

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

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

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

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

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

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

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




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

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

Difference Between Home Insurance And Home Warranty

difference between home warranty and homeowners insurance

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

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

What Does A Home Warranty Contract Cover?

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

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

Benefits Of Home Warranty Coverage

To The Homeowner

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

To The Seller

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

To The Buyer

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

Home Insurance

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

What Does A Home Insurance Policy Cover?

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

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

Benefits Of Home Insurance

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

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

Cost/Pricing For Both

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

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

How To Choose A Home Warranty?

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

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

How To Make A Claim?

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

How To Choose Home Insurance?

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

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

 




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With over 185,300 active Realtors in Los Angeles, selecting the right one to assist you with the sale or purchase of your home can be daunting. You will want to find someone who is proficient in buying or selling homes in your surrounding area in L.A as well as in your price range.

Best Realtors in Los Angeles

Below is the list of the top 5 Realtors in Los Angeles by their gross sales volume in dollar amounts and some other relevant information so you can feel confident when making decisions about buying or selling your home.

Brad Korb

Top Realtor Brad Korb

For more than three decades, Brad has focused his attention on helping families attain their goals of buying or selling a home in North Hollywood, Studio City, Burbank, Glendale, Tujunga, Panorama City, Sherman Oaks, Valley Village, West Hollywood, Van Nuys, and the wonderful and diverse surrounding areas. He listens to his clients’ needs patiently and then puts together the best strategies for reaching the results they want. He believes that true success comes from making objectives for what matters most in life. Whether he is with his family or assisting his real estate clients, Brad enjoys positive results owing to his unique ability to visualize a goal and make an effort for achieving it. This determination is what continues to take his career as a realtor to new levels of success. With over three decades of experience, Brad is an unmatched resource for all things from the real estate market to community services.

An alumnus from California State University-Northridge, Brad’s specialties include home sellers, home buyers, 1031 tax deferred exchanges, short sales, investment properties, first time home buyers, bank foreclosures, multi- residential homes, single family residences, condominiums, townhomes, downsizing, and relocation. The owner of The Brad Korb Real Estate Group, Brad and his team of  realtors have attained an incredible success for clients by offering services that go well beyond the average realtor. “We are very excited to have been endorsed by real estate mogul Barbara Corcoran, from Shark Tank, and also being ranked #1 locally by Wall Street Journal.” He believes that relationships with clients are based on accountability, dedication, loyalty, and clear understanding of client needs. There are three teams within the Brad Korb Real Estate Group. The listing team members concentrate fully on marketing client’s homes on every available marketing podium such as Internet, TV, and Radio. The buyer’s team is elite coached and sell up to 10 times as many homes yearly compared to an average realtor. The concierge team manages internet inquiries and phone calls along with the chat service on the website. Besides, Brad is also an owner of RE/MAX In Action and Civic & Social Organization Professional. He has received the following real estate industry awards:

  • #1 Realtor in the Valley (RE/MAX) Top 10 Realtor for California for 6 years (RE/MAX)
  • 2010 Best of Business Award (SBCA)
  • 2015 Best of Burbank Realtor
  • 2015 Best of Burbank Reader’s Choice
  • 2014, 2015  REAL Trends Best Real Estate Agents Award
  • 2014 Best of Trulia Top Agent Award
  • #37 in the country in 2010 (RE/MAX)
  • #1 Team in Burbank (RE/MAX)
  • Top 100 Team 2003 (RE/MAX)
  • Top 100 Team 2004 (RE/MAX)

Additionally, Brad is also proud to hold the following certifications sponsored by the National Association of Realtors (NAR):

  • Certified Residential Specialist (CRS) – the highest designation awarded to sales associates, recognizing professional accomplishments in both understanding and education
  • Certified Distressed Property Expert® (CDPE) – Brad has an in-depth understanding of complex issues in today’s dynamic real estate industry and understanding of foreclosure avoidance options available to homeowners. He can provide solutions, specifically short sales, for homeowners facing market hardships.
  • e-PRO – Brad is dedicated to making the most of today’s technology to help with your real estate needs

Brad’s interests include spending time with family, fishing, reading, Los Angeles Dodgers Baseball, Los Angeles Lakers Basketball, traveling, reading, concerts, and working out.

When you and your family are set to make the important decision to move, contact Brad Korb who is always focused on What Matters to You.

 

Jesse Weinberg

Best Realtor in Los Angeles

Jesse Weinberg is widely acknowledged as one of the Los Angeles’ leading realtors, focusing on the highly competitive Westside neighborhoods. With over a decade of experience in Playa Vista, Marina Del Rey, Playa Del Rey, and Venice, Jesse is a well-recognized member of Southern California’s brokerage community. He analyzes 20-30 new properties in person each week and can locate just the right home to match any search standards or set a precise value for a sale. His background in Business Administration and a decade of sales experience results in innovative strategies that make the most of his clients’ opportunities and aid them to reach their financial goals.

Jesse’s track record is unrivaled – he has sold more properties in Marina del Rey than any other agent for the last 5 years in a row! He believes that every client and every property is different, yet his goal remains the same: to surpass expectations in the course of a transaction as he works toward a preferred price and time frame. A Licensed Real Estate Agent at Keller Williams Realty, Jesse and his skilled team of realtors have built a thriving real estate empire. Jesse Weinberg & Associates delivers impeccable service and has effectively sold and leased more than 600 properties in the last decade with a very high customer service rating. The team has represented over 700 sales and 300 lease transactions – directly benefiting their clients by saving them time and money.  The seasoned real estate experts provide a robust database of skilled buyers, sellers, landlords, and tenants to the clients, resulting in a seamless offer-to-close process, shorter listing periods, and access to off-market opportunities. Jesse’s passion for real estate has earned him the following:

  • #1 Sales Team Nationwide for 2013 & 2014 by Keller Williams Realty, out of nearly 100,000 agents
  • #1 Sales Agent for (All Brokerages) in Marina del Rey in 2010, 2011, 2012, 2013, 2014, and 2015
  • #1 Sales Agent for Marina Pointe Drive in 2009, 2010, 2011, 2012, 2013, 2014, and 2015
  • Ranked Top 200 Agents Nationwide by Wall Street Journal and Real Trends (Top half of 1% of 1 million agents nationwide)
  • Named one of America’s Best Real Estate Agents by Real Trends in recognition of incredible results in 2013, 2014 & 2015
  • Top Los Angeles Seller’s Agent, ranking in the top 1% of 31,459 agents
  • A Condo Expert, ranking #7 of 31,459 agents
  • A Townhouse Expert, ranking in the top 3% of 31,459 agents.
  • A Single Family Home Expert, ranking in the top 19% of 31,459 agents

His specialties include Buyer’s Agent, Listing Agent, and Property Management. His loyalty and amiable attitude have led to a network of repeat and referral business. He is well-read and keeps up with the latest market trends and economic news. His transaction volume each and every year surpasses the last!

 

Danny Mahelka

Experienced Realtor in Los Angeles

Danny brings over two decades of experience to every transaction, where he focuses in the Greater Los Angeles area from Downtown to the beaches, North Hollywood, West Hollywood, Beverly Hills and everything in-between. As a motivated Realtor and Associate Manager, his proficiency has led to a lucrative and productive sales career with special emphasis on single family and condominium sales. Danny and his team always look out for clients’ best interest and deliver exceptional customer service in all areas such as marketing, escrow, and inspections. A consistent leader and a top sales producer, Danny is in the top 2% of all Coldwell Banker agents countrywide. Before moving to Coldwell Banker, he held a position as a commercial real estate agent with Silverstone Development Group, focusing on sales and leasing of commercial properties.

Danny accomplishes his goals by ensuring each property has a separate Business Plan on how, why, and to whom he is going to sell to. “It is specific, targeted and deliberate. Our specialization and full Business Plan marketing approach to selling property is a dedicated approach that is effective and relevant in today’s real estate market. We consistently win recognition from our peers and earn accolades from our Clients,” says Danny. His specialties include Representing Buyers, Representing Sellers, First-Time Buyers, Short Sales, Foreclosures, Relocations, Luxury Properties, Commercial Real Estate, Rentals, Condos, Resorts and Second Homes, Lease-to-Owns, Investment Properties, and Appraisals. His sprawling network, unmatched client service, outstanding sales production, and proven marketing tactics have made him recognized by Coldwell Banker from 1996-2012.

An Alumnus from Santa Monica College, Danny’s interests include reading and jogging. His professional appearance, integrity, communication and negotiating skills would ensure you a smooth and stress-free sale or purchase. “Relationships are about connecting, and I invite you to contact me about your real estate needs”.

 

Fredy Rodriguez

Awesome Realtor in Los Angeles

Selecting a right real estate agent is the first step in purchasing or selling a home. Fredy Rodriguez has been a licensed real estate agent in California for 15 years and is present with Fanthom Realty. Fredy’s coverage area includes Cathedral City, Coachella, Desert Hot Springs, Indio, Palm Desert, Coachella, Garnet, Palm Springs, and Thousand Palms. A top real estate agent listing website ranks Fredy as one of the top 2% of agents in Cathedral City for effectively selling homes and as one of the top 8% of agents for single family homes. “From suggesting mortgage lenders to explaining signing papers, I am here to make this normally daunting experience a smooth and successful transaction. My goal is to assist you in finding that perfect home.” Whether you want a big backyard or a 3-car garage, Fredy and his team find you that special property.

One of Fanthom Realty’s leading realtors, Fredy is recognized as a hardworking and trustworthy individual whose passion is to assist his clients in real estate transactions from inception to conclusion. Through his hard work and willingness to learn, he continues to beat his own records, year after year. His specialties include short sales, foreclosure, buyer’s agent, first-time buyers, and investors; financial (loans), and life insurance. Equipped with sufficient knowledge and expertise, he has received several awards and recognition such as:

  • Diamond Club No.1 Top Producer for 2015
  • Multi-Million Dollar Producer for 2014 and
  • Worked as a District Director of Fathom Realty from 2013 to January 2016

Fredy’s credentials and certifications include the following:

  • Council Of Real Estate Services (CRS)
  • Graduate Realtors Institute (GRI)
  • Short Sale and Foreclosure Resource (SFR)
  • Resort & Second-Home Property Specialist (RSPS)
  • Certified Broker Price Specialist (CBPS)
  • Five Star Institute, REO Certified
  • Five Star Institute, Short Sale Certified
  • Five Star Institute, Lease To Own Certified
  • Federation of REO Certified Expert (FORCE)
  • e-PRO Certified
  • Green Certification
  • Home Affordable Foreclosure Alternatives Program (HAFA) Certified
  • Certified Probate Real Estate Specialist (CPRES)
  • National Association of Hispanic Real Estate Professionals (NAHREP) member
  • Life and Health Insurance Licensee
  • RES.NET Certified

An alumnus of Palm Desert Community College, he is interested in networking with other realtors and seeking clients to assist them in the home buying and selling process. Fredy runs by his slogan “Under Promise and Under Delivery”. His only purpose is to earn referrals which are the life of his business. Contact Fredy Rodriguez if you have any questions or concerns about financing options, current listings, or the market in general.

 

Lynette Williams

Most sought after Realtor in Los Angeles

Lynette Williams has been a full-time real estate expert since 1997. As a practicing attorney, she specializes in real estate sales, development, and construction. Her other areas of practice include estate planning, contracts, and business structures. Her previous experience as a financial analyst, an insurance agent, and marketing coordinator gives her the talent to assess your real estate needs including financial analysis, tax strategies, legal ramifications, insurance requirements, and marketing strategies. She has also served as an officer in the United States Army. A graduate of the University of Florida and the University of Florida College of Law, Lynette’s goal is to offer the first-class service and build long-standing relationships with her clients. She works meticulously with the highest standards of professionalism to serve her clients’ needs. By implementing new tools and techniques and incorporating innovative concepts, she assists her clients to get the most of their home in the minimum possible time.

Lynette’s real estate record epitomizes her commitment to her clients. She has a record of selling more than 97% of all her listings with them being on the market an average of 19 days. 51% of all her sales have come from listings. She is equally dedicated to working with first-time buyers and buyers moving from their present homes. She especially comprehends the needs of the first-time homebuyers and is focused on their long-term real estate dreams. While most realtors look for new business from the general public, Lynette focuses her time on her existing clients and referrals. She has obtained the following designations and certifications:

  • Certified Residential Specialist (CRS)
  • Accredited Buyer’s Representative (ABR)
  • Graduate, Realtor Institute (GRI)
  • Short Sales and Foreclosure Resource (SFR)
  • NAR’s e-PRO

Lynette lives in the Los Angeles and loves going to movies, flying airplanes, real estate investing, rehabbing properties, reading photography, concerts, plays, and dining out. She is a member of the Beverly Hills/Greater Los Angeles Association of Realtors, National Association of Realtors, Los Angeles Bar Association, Toastmasters Int’l, and the California State Bar Association. Lynette is also involved with the 99s Club and the Los Angeles Area Chamber of Commerce.

Skeptical about home warranty? Leading home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator which allows customers to estimate costs involved in maintaining a typical American Household. The tool is absolutely free of cost and hence fascinates many potential home warranty customers. Also, there is a widget code (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>) for the home maintenance calculator tool to put in your website or blog post.




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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Any homeowner who lives in Nevada and is shopping for a home warranty, also called a home service contract, will want to read this article. Why?  Well, for one reason, HomeWarrantyReviews.com is one of the most established sources of reviews for home warranty companies in the U.S. And thanks to the thousands and thousands of reviews we’ve compiled on our website, we can offer you fair and objective input regarding the home warranty companies in Nevada that are doing the best job serving their customers needs.

Home Warranty Companies in Nevada

So, which home warranty companies are the best in the state of Nevada? Let’s find out!

Nevada is a state with extreme temperatures.

Nevada is famous for its desert areas, Las Vegas in particular. And with desert days you can expect several months of daily average temperatures above one hundred degrees Fahrenheit. As if the desert days are not challenging enough, desert nights can be a bit extreme too, temperatures plummeting from the daytime highs. When you push your heating and cooling systems to their limits you increase wear and tear and increase the chance of encountering frequent problems. With this in mind, Nevada homeowners should carefully consider their choices of home warranty companies, assuming the heating and cooling systems will be covered items.

All of the top companies listed in this article have something in common. That common thread is quality service. No matter what appliances and systems you want covered, you primarily want to know that when something breaks down it will be fixed quickly and correctly. And for that reason you can compare one common aspect of every home warranty company, that being the performance of the company when claims are filed by customers. To do that though you need real, accurate, fair feedback from homeowners like you. Luckily, you’re at the right place for that.

Ranking Nevada’s top companies requires real, honest consumer testimonials and ratings.

HomeWarrantyReviews.com ranks companies based on user feedback, not based on how much companies pay for advertising. You will find that some other websites that rank home warranty companies do not do the same thing. If you trust a website that ranks companies arbitrarily then you may not be happy with the end result. What we can offer you below is a list of top companies that service the state of Nevada, a list that is only influenced by consumers just like you, people with direct experience filing claims with these companies. So get out your paper and pen. Here is the list of top companies servicing Nevada, based on the current standings on our website.

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

A great home warranty company needs an outstanding repair contractor network.

You may be familiar with these companies. All of these companies advertise their services widely. But what makes them so successful in Nevada? As is the case with nearly any home warranty company, a great repair contractor can make the customer experience much better than it would have been if the home warranty company didn’t have a good network of qualified contractors in the area. Home warranty companies have to work very hard to make sure they have enough contractors in each area they service. The companies also must maintain records of customer satisfaction in order to ensure that the contractors are making their customers happy with each service call. So how do these companies do with regard to customer satisfaction if you focus on the contractors doing the work? Read on to find out.

1. American Home Shield (AHS)

When you have as many customers as American Home Shield does it becomes a challenge to keep them all happy. But AHS has clearly made a good impression on its customers in recent months. Just scanning through the top ten reviews we found nine of ten reviews with very high ratings and very positive comments specifically mentioned the great service from the repair contractors. In several reviews the comments referred to AHS’s consistent delivery of timely, high quality repair services via the company’s contractor network. And that network is one of the strongest reasons for choosing a top rated company like AHS.

2. The Home Service Club (HSC)

In eight of ten recent reviews we examined we found specific praise for the repair technicians that The Home Service Club sent to their customers’ homes. Though there were two negative reviews in the group we looked at, overall the customer reviews were consistently positive, particularly with regard to the time it took to receive repair services and the accuracy and cleanliness of the work performed. HSC appears to have good contractors working with them in most areas they service and appears to have a very efficient process for dispatching contractors when claims come in.

3. Select Home Warranty

In the case of Select Home Warranty we found that nearly all of the recent reviews had extremely positive things to say about the claims process, from start to finish. One reviewer contacted Select after 11:00 pm to report an air conditioning problem and had a contractor at his home within five hours. Another reviewer wrote that Select Home Warranty authorized the use of a repair contractor the homeowner picked, instead of asking the homeowner to wait for a network technician to be available. Stories like this are not altogether unheard of in the home warranty industry, but when you see consistently high praise for the timeliness of repair contractors arriving after claims are filed you know you are looking at an exceptional company. And that is the type of company that every homeowner wants to do business with.

4. Landmark Home Warranty

Landmark Home Warranty has some very happy customers. Looking through the company’s recent reviews we noticed that all are positive and nearly every one gives specific credit to the customer service representatives and the repair contractors. This sort of applause from customers is important, because when you see that most reviewers are happy with the entire claims process, end to end, you can expect that the company will deliver similar results to any of its customers.

5. Home Warranty of America

Home Warranty of America, like the other companies listed here, has a very high rate of great review comments and ratings. With only a handful of negative reviews among the many that we examined it’s not surprising that HWA consistently ranks among the top companies on our website in most of the areas the company services. Many of the reviewers indicated that they were introduced to HWA’s services by a real estate professional. In some cases real estate professionals themselves took the time to write reviews. So it’s possible that many of our Nevada readers can learn first hand about HWA from the professionals helping them list or purchase their houses.

Now we see why these companies are tops in Nevada.

Being great in any business means being great consistently. What our readers can take away from this article is the benefit of thousands of consumers’ personal experiences. Knowing that so many customers in Nevada have been pleased with the service from these companies, readers can be much more confident in considering any one of these companies for a home service contract. But don’t just take our word for it. While you’re on our website we encourage you to read reviews about home warranty companies, not only for these ones but for any others you may be considering.