How to Clean Your House Faster

As a father of small children I’ve spent lots of time fighting in the house cleaning trenches. Many a Saturday and Sunday have been spent reversing the enemy’s advances, the barricades of dirty laundry, the diversions of dirty dishes and the assault on my allergies from dust.

I’ve learned a few things, many of which I think make housework easier and faster to tackle. You may have just as many techniques, or maybe you’re a new recruit in the battle against the mess. If the latter best describes you then suit up and grab your broom. We’re going in!

Make a list

Nothing helps with a big day of work around the house like a good list. If you don’t know what you’re supposed to be doing you’ll probably forget things and maybe even waste time on tasks that should be left for another day. It’s easy to get lost or distracted in a messy house.

How to Clean Your House Faster

Start easy

If you hate doing housework then the hardest thing to do is to start.  It’s best to pick the easy tasks and knock them out first.  Loading the dishwasher might be the task you hate the least.  Or you might think starting a load of clothes in the washing machine is easiest.  Whatever you like to do (or least hate doing) should be put first.

Work smarter, not harder

When you enter a room it’s best to go in prepared to finish it in one trip. You burn valuable energy when you run around the house. Work your way through the house, room by room, taking only what you need to clean each one. Trash bags, dust cloths, disinfectants and cleansers can usually be carried in a small utility bucket. Leave filled trash bags in a hallway or other common area adjoining the rooms you’re cleaning, and save the trash disposal for the end if possible. If you’re worried about trash bags leaking then it’s better to double bag than to make lots of trips back and forth, especially if you have a two or more story house.

Don’t give yourself a headache

If you prefer to or need to use harsh chemicals be sure to avoid inhaling the fumes. Weather permitting, you should open windows and close doors to contain and remove the vapor of chemical cleaners such as bleach, ammonia and others. If you are cleaning surfaces you will be standing on, such as shower floors or bathroom floors, with bleach then it pays to have some old shoes that you can change out of when you leave the room you’ve just cleaned. Tracking bleach around the house can be a disaster.

Be sure to only clean each thing once

If vacuuming is part of your list then ensure the vacuum is not already full of debris from the last time you used it. An empty vacuum bag or canister and a suction opening that is free from obstructions will ensure that you only need to vacuum one time and that the floor will be very clean. When dusting, be sure to use the right cloth for the job. Dusting with paper towels or other cloths that are not suited for dusting will make a bigger mess than you started with. And if you must use a spray cleaner for dusting try spraying it on the cloth rather than on the surface you are dusting. Some surfaces get clean faster and look better in the end if you stick to using a dry dust cloth.

These are general tips, it’s true. But if you combine them with your own specific preferences and tricks you should find that the housework goes by faster and more smoothly. Organization is key. And avoiding making yourself tired or sick is important too. What you want is to find ways to keep the house looking the way you like it without making the labor involved so back breaking that you will avoid doing it at almost any cost.

House keeping is not always an easy task but you can get better at it if you keep yourself well read and informed. More information about how to maintain your home in perfect condition is available on HomeWarrantyReviews.com. You could take a look at it and start applying it to your home! And while you are at it, take a look at 10 most innovative home maintenance smartphone apps.

About the Author

Kevin Wallach is a freelance writer and marketing professional. His focus is on performance based marketing services for the home warranty and home service contract industry.






Been having trouble with your heating/cooling unit of late? Think freon is the culprit behind it? Let’s find out!

HVAC freon levels are a common area of doubt among homeowners. For those of you who don’t know a thing about freon, here are some pointers.

What is freon?

Freon is the common name for a class of chemicals that usually include aerosol propellants, organic solvents or refrigerants. freon1 Most of them are compounds of chlorofluorocarbons, which are derivatives of methane and ethane. Most common form of freon is R-22.

Before we tell you how to find out if your HVAC needs freon, lets discuss what issues could happen due to low levels of freon.
Issues caused due to insufficient freon levels

Freon, is essentially a heat transfer fluid. So it absorbs heat from your home and transfers it to the outside air, thereby cooling the air down. Hence, the primary issue happening due to low freon level is prolonged cooling period or lack of cool air inspite of the thermostat being set to “cool”.

Signs of low freon levels

Freon is not something that gets “used up”, it gets circulated. So the only reason why freon levels fall would be that your HVAC unit has a leak.

Here are some common signs that indicate insufficient freon in HVAC units:

  • House takes a long time to cool
  • Water pools on the floor near your furnace due to condensation
  • Ducts/ vents blow very little air or hot air
  • Ice buildup on the copper lines running from A/C to indoor coil
  • Excess electricity consumption resulting in high bills

HVAC Units Need Freon

Ice Buildup on Copper Lines. Image Courtesy:inspectapedia.com

If your HVAC unit is exhibiting any of the above signs, we strongly recommend that you call a technician right away to take a look at the unit. If you have a home warranty, inform the warranty provider immediately.

Alternate ways to detect low levels of freon

freon4
In cases where the physical signs are not telling enough, electronic devices called “sniffers” can be used. Such devices sound an alert when the probe discovers a leak in the unit.

Yet another method is to inject a fluorescent dye into the unit. The dye then circulates through the system and flows out in case there is a leak. The unit is then illuminated in UV light which will reveal where the dye has pooled if a leak is indeed present.

The final word

As we said before, call for immediate help if you notice something amiss with your HVAC units. If the problem is indeed with freon, you may have a lot more in hand than just an uncomfortable home.

Ideally, conduct annual or half-yearly tune ups to make sure that the system is in proper working order. Such maintenance routines check the system for possible leaks and malfunctions.




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

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

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

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

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

How does a home protection plan work?

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

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

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

Before deciding on home warranty plans and policies:

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

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

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

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

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

 




Builder’s warranty is a written statement by the builder assuring that the house was completed as per a stipulated set of standards. This provides a form of protection to buyer from latent defects.

This form of warranty is also called a Limited warranty and is issued by the builder on their work. This is done either within the sales contract or as a separate document. The period of duration of such contracts are usually between one to ten years.

Coverage

A Typical Builder’s warranty covers only the material and workmanship issues of various components relating to a new building. This includes

  • Windows
  • HVAC units
  • Plumbing and electrical systems
  • Stolen construction materials are also covered in some plans.

As mentioned before, the duration is largely dependent on the component. For example, material and workmanship issues are covered for a year. This would include paint, drywall, siding and stucco, door and trim etc. HVAC, plumbing and electrical units are usually covered for two years. Major structural defects like a roof that may collapse or any other structural damage that pose danger to the residents are covered for a period of up to ten years.

These warranties do not cover the cost incurred by the owners as a direct consequence of material and workmanship issues. Eg, staying away or moving out temporarily while a repair is being conducted. They also DO NOT cover the following:

  • Household appliances.
  • Components that are still covered by the Manufacturer’s warranty.
  • Minor cracks in tiles, bricks or drywall.
  • Damages sustained as a result of your own abuse, outsider or people whom you hired to work on the property.
  • Deterioration of materials used in construction within an expected level.

Making a claim

If you wish to make a claim for your repair, first and foremost, refer to your warranty contract to ensure that the damage is indeed a covered one. If so, place a request to the builder informing them about the damage and requesting for a repair. It is recommended that you place this request in writing even if the company has a telephonic submission method. Ask for receipts and keep records of all correspondence. These records will help you if a dispute arises.

Things to keep in mind

The builder’s warranty cannot replace the Homeowner’s Insurance or Home Appliance Warranty. All three are very different and have their own unique features.

For your own safety, it is suggested that you ask the following questions about your warranty.

  1. What is not covered?
  2. Name some of your previous projects so that you can speak with some owners
  3. What is the extent of your liability?
  4. What do I do if I have a claim or dispute?

The laws related to enforcing these warranties vary in each state. Therefore it will be a wise step to check with your State’s attorney general’s office or contractor licensing board to ensure that your builder follows all the laws as required by the state law.

Make sure that the contract is thoroughly studied and preserved. Experts say that the longer the contract, lesser the benefits. Such long contracts indicate inefficient builders who use vague clauses to narrow down the possibility of you succeeding in filing a claim. Shorter the contract, better the builder.

You may be asked to sign a “Warranty document” at the time of closing the sales. This is often a way to impose more rules on you and thereby narrow down your chances of making a claim on your warranty. If you have already agreed to sign such a document on your sales contract, you can’t do much about it. But if you have not consented to any such thing, you can and you should refuse signing this.

Towards the end of the duration of your contract, get your home inspected by a professional home inspector. This will help you make the best out of your warranty.

Difference between Home Warranty and Builder’s Warranty

We stated earlier that the builder’s warranty cannot be used to replace a home warranty.  Although both these plans cover home and it’s components, they are poles apart on certain matters.

Builder’s Warranty

You can also read about Differences between Homeowner’s insurance and Home Warranty.

The builder’s warranty is always a good way to ensure that you won’t have to pay for any repairs caused due to faulty or badly constructed structures. Always remember to clear all questions you have prior to signing the contract. Once signed, preserve the contract and other documents carefully. Should you ever feel that the service you received is not up to your expectation, spread the word. You can visit websites like ours to read about warranties and other topics related to owning a home. Cheers!




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

 

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

8 Cheap Apartment Decorating Ideas

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

Mirrors make your apartment feel larger1.  Small Spaces:

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

2.  Furniture Placement:

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

3.  Paint:

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

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

4.  Dining Area:

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

lighting apartment ideas5.  Lighting:

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

6.  Shelving:

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

7.  Carpet:

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

Greenery inside apartment8.  Greenery:

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

 

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

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




So after years and years of saving, you have finally decided to go ahead and buy a home for yourself. It is a really good decision and let me congratulate you on that! Over the years, property has been considered as the best choice of investment mainly because it is scarce. Unless we humans decide to go ahead and colonize other planets, you can never make more land.

However, there are a few things (scratch that, there are quite a lot of things) that you must know before you throw in all your money into buying a house. If you want to be really thorough and wish to make no mistakes about buying a home, we suggest that you take a print out of this article and carry it with you until the moment where you actually own a house. You can use this as a checklist while you look around for the perfect house.

Assess your finances

This is the most significant detail. You must have sufficient savings that will see you through the purchase of your new home. Some people do have sufficient money to buy a house in cash, however this is not advised as it may become difficult if you need money for something unexpected. It is still your choice. Also keep in mind that purchasing a house will cost more than you planned. Be ready for it.

Decide the type of homeTen Things You Must Know Before You Buy a House

This is usually the most difficult part. You have to give a lot of attention to the kind of home you plan to purchase. If you get this decision wrong, you may end up with Buyer’s remorse. What’s the point in spending all you money on a house that doesn’t suit you needs and make you happy? While thinking about the kind of house you want, give importance to the following details

  • How big is your family?
  • What age are your children?
  • Do you want a flashy, posh home or a little country cottage?
  • Will you be required to commute a lot?
  • Are there necessary facilities like hospitals and schools nearby?
  • Is the neighborhood suited for your lifestyle?
  • Are you buying a home that you feel emotionally attached to even though it is not suited for you?
  • Do want a house that comes with expensive maintenance charges?
  • Finally, will the home you purchase make you and your family happy?

These questions may seem silly but trust us when we say this, a lot of people regret not asking themselves these questions before they purchased homes.

For instance, if you have a rather large family, buying a small house is a posh locale might not be the wisest choice for you. Likewise buying a rather large home somewhere in the outskirts of the city can be a headache if you have school going kids and if there are no no schools in the neighborhood. Hence, there are many factors that go into making a decision about what kind of home you want and also about the location.

If you are not used to the neighborhood in which you plan to buy a home, we suggest that you rent out a property there for a few months to get a deeper understanding of how life will be once you settle down there.Study the home thoroughly: So, you’ve gone through the first two steps and finally made a decision about which home you want to acquire.

  • The next wise step would be to talk to a few people, assess the value of the home and not just blindly believe the agent. Also, get a CMA ( Comparative Market Analysis) done on your home.
  • You may also want to visit the home at different times of the day to get a better understanding about the home and neighborhood. What seems like a quiet neighborhood during daytime may turn into a noisy, chaotic block by night.

Get your house inspectedhouse inspected

The importance of this step can never be overstated. There is no such thing as a perfect house. Each house is bound to have at least one defect. Hire a professional to find out what this is. Although this may cost you a little, it is much better that you spend money here rather than spending thousands on repairs later on.

Question the sellers

You simply can’t overlook this step. Ask them about everything related to the house. Ask about what problems the house has encountered over the years, ask for records of past improvements implemented, in short everything that you feel you must know.

Ask for bills

Ask for tax and other utility bills,as it would give you an idea about the monthly expenses that you are likely to incur,

Gather all the information you can

Go through newspaper records to ensure that the home is not tied up in any property feuds or worse, ghost-sightings. Although the latter is less likely, the former scenario may prove to be a headache.Talk to the neighbors. Get to know them as much as you can and gather maximum information. Find out if the neighborhood has an association and other relevant details.

Get a solicitor

A lot of stuff are easily overlooked by buyers owing to the pressures and worries they have while they are out house hunting. A solicitor eases your work by doing the necessary research and paperwork that will effectively reduce your load. If you don’t have a solicitor in mind, ask help from your friends and family. They could recommend someone for you.

Get yourself approved for a mortgage

Speak with a few people and consider a few options before you select a mortgage plan. Loan rates can appear appealing on paper, but once you are drawn into it, things may seem a lot different. Once you have decided on the mortgage plans, proceed with getting yourself approved for it.

Get everything written down

This is a logical step to follow to protect yourself. Get every part of the sale in writing. Proceed further only after you are sure that you have a thorough understanding of all the details. Certain terminology can confuse you, so you should either speak with an expert or learn all the jargons yourself.

If you have ticked off all the above mentioned points, It is safe for you to proceed with buying a house for yourself. Remember buying a home is not only a momentous step in your life it is also one that requires a lot of careful planning.

Once you purchase a home, you may want to consider buying a home service contract. As the first year after your purchase is a bad time for additional expenses to occur, it is highly recommended that you get an appliance warranty plan to protect your budget. A wide range of home warranty plans are available in the market today, you can read about our Quick guide for home warranty buyers for some help

We hope this article helped you and may we also wish a happy life ahead in your new home.




If you have been planning to buy a house or you have already bought a house, realizing the importance of homeowners insurance is very important. Make sure you have adequate coverage. Studies reveal that approximately 20% of the Americans have cut back on their insurance costs to meet their other monthly financial obligations.

Home Insurance Premium

However, insurance coverage is one thing that should never be compromised upon. Your home insurance should be such that it should not only give you adequate coverage but it should also do justice to the amount you shell out as premium. And your premium should be within your reach. It is only when you find it difficult to make payments for the premium that the insurance policy appears to be a financial burden to you.

The ideal way to find the best quote for homeowners insurance  is to shop around. You can compare quotes online or talk to insurance carriers personally. There are many insurance carriers that offer different plans to meet the requirements of the consumers. You can try out these and after evaluating the pros and cons of the plan, should you buy your  insurance policy.

It is very important that you are not underinsured. If you save some cash now by staying underinsured, you may have to shell out just the double in case of a financial emergency or an unforeseen event.

Ways to cut down homeowners insurance costs

Instead of buying inadequate coverage for your homeowners insurance policy, there are many things you can do to cut down expenses related to your insurance policy in a reasonable manner. Given below are few measures you can take to reduce insurance costs.

  • Do not insure the land, insure your home – The land that is attached to your house isn’t prone to theft, fire or windstorms. So, don’t waste money by insuring the land too. Insure your house and its belongings instead.
  • Enhance safety and security measures – You can install safety devices such as safety alarms and burglar alarm to enhance the safety and security of your house. It reduces the insurance cost to a great extent. And you may also avail discounts up to 20%.
  • Review your policy once a year – You want to get adequate coverage. So, if you review or check your home insurance policy every year, you will be able to make the necessary changes and adjustments as needed.
  • Stick to a single insurer – If you have been with one insurance carrier for several years, your insurance carrier may extend special discount to you. Studies reveal that several insurance carriers offer approximately 5% discount to consumers who have been with the same insurance carrier for a period of 3 years or more. And if you have managed to continue with the same insurance carrier for a period of 6 years, you can as well be given a discount of 10%.
  • Make electronic payments – It has been observed that there are many insurance carriers that charge approximately USD$5 for sending payments by mail. The best way to make your insurance payment is to have your premium deducted directly from your account. So, try to make payments electronically.
  • Review your credit rating – Maintain a good credit rating and make sure you keep track of the same. Often insurance carriers allow you to enjoy better rates if you have a good credit rating,

So, when you have the above measures to keep your insurance cost down, it is not necessary to reduce the coverage to save costs.




Recently, there was an interesting review posted at AHS warranty discussions page about dealing with insurance claims. The legal option suggested by the reviewer might be useful to some homeowners, who have difficulties dealing with home warranty insurance claims.

Insurance Claims

It is not practical and cost effective to take legal route to pursue your insurance claims and you may want to read How to pursue insurance claims article before you go that path. However, if you are fighting an insurance claim on a big ticket item, and you have exhausted all other options, this is definitely an effective strategy. Author of this post himself was an attorney and he effectively used the legal threat to beat the home warranty company.

Here is the excerpt:

…………………………………………………………………………………………..

American Home Shield – how to beat home warranty companies at their own game

I have discovered how aggrieved homeowners can turn the tables on home warranty companies and beat them at their own game. Please share this with everyone you know.

I’m an attorney and after having a problem with my home warranty company, American Home Shield, I decided to investigate whether other homeowners had experienced the same or a similar problem. What I found were web sites devoted to consumer complaints on which numerous homeowners had recounted incidents of fraud, deception, and rip-offs by their home warranty company. I also found a blog written by a former American Home Shield employee and another written by a former plumber for a home warranty company. Both recounted situations that would not pass the “smell test” in a court of law.

I also investigated lawsuits that had been filed against American Home Shield in Georgia, which is where I live. I found about 15 cases. The majority of cases had been filed in small claims court. As I reviewed the cases, I discovered that none of the cases had been litigated. In every instance, the case had been settled to the Plaintiff’s satisfaction although the details of each settlement were not part of the case file. With the knowledge that all cases had been settled to the homeowners’ satisfaction, I realized that American Home Shield would settle with an aggrieved homeowner before allowing a case to go to trial. My conclusion is that the only thing aggrieved homeowners need to do to beat home warranty companies at their own game is to file suit. The last thing American Home Shield wants to do is litigate a homeowner’s claim and the reasons are obvious to me.

The most obvious reason American Home Shield would not want to litigate a claim is that in most instances, the cost to American Home Shield to settle a claim would be less than the cost to litigate. The average amount of a claim in the cases I found was $3,800.00. Two were for less than $1,000.00 and only one was for more than $10,000.00. I’m sure far more than the 15 homeowners who have filed lawsuits in Georgia have had their claims denied. American Home Shield wins when a claim is denied and the homeowner does not sue, which is exactly what American Home Shield is counting on homeowners not doing.

Another reason American Home Shield does not want to litigate is because the company does not want to have to defend its craftily drafted contract or its questionable business practices, which is exactly what it would have to do if a case went to trial. American Home Shield also does not want such information to become public knowledge, which is also likely to happen. Additionally, a judge or a jury would also be hard pressed to return a verdict favorable to a company that engages in questionable business practices.

The final reason American Home Shield does not want to litigate is because a lawsuit actually places American Home Shield in a precarious situation. American Home Shield would have a difficult time defending any claim by a homeowner because the company has no first hand knowledge about the claim; it would need the testimony of the service contractor who, for its own reasons, may be less than eager to testify. The only knowledge American Home Shield has is what the company has been told by the service contractor. And any testimony from American Home Shield about what it was told by the service contractor is hearsay and not admissible in court.

To defend a claim, American Home Shield would need to subpoena the service contractor who actually made the diagnosis to testify about the claim. If the homeowner has done his/her homework, he/she would subpoena witnesses who could dispute the witnesses for American Home Shield. The homeowner should subpoena one or more service companies who had been called either for a second opinion or to make the actual repairs to dispute the testimony of the American Home Shield service contractor. The homeowner might also consider locating one or more other aggrieved homeowners to testify about their problem with American Home Shield. Another good witnesses for the homeowner to subpoena would be a former service contractor for the home warranty company or a former employee of a service contractor.

Since American Home Shield has at least three significant reasons why it does not want to litigate, the best and easiest way an aggrieved homeowner can beat American Home Shield at their own game (and most likely any other home warranty company) is to file suit. The one thing for an aggrieved homeowner to keep in mind is that if he/she does not sue, the home warranty company will win. But if he/she sues, the homeowner will most likely win. And that is how an aggrieved homeowner can beat American Home Shield at their own game.

My advice to aggrieved homeowners is not to stress over a denied claim, the denial of a situation as an emergency, repeated “band-aid repairs,” or a delay in authorization or in the repair of an item. I would also advise a homeowner not to waste time arguing with American Home Shield but to set a reasonable deadline for the appropriate action. Upon expiration of the deadline without receiving satisfaction from American Home Shield, the homeowner should then proceed as if they did not have a home warranty and then sue American Home Shield for reimbursement. The homeowner should also remember to document every action or inaction by both himself/herself and American Home Shield. Although the disadvantage to the homeowner is initially having to pay for the repairs, the advantage is that the homeowner can choose the service contractor and the brands and quality of products. I won’t guarantee all aggrieved homeowners will prevail every time but I have good reason to believe most aggrieved homeowners will prevail the majority of time.

For aggrieved homeowners whose claims were denied at sometime in the past, you may still be able to sue for reimbursement. To make that determination, the homeowner needs to research the statute of limitation for suing on a contract in their state. In any event, a homeowner should be safe filing suit for a claim that was denied during the past twelve (12) months.

Within the next six months, instead of reading homeowner’s stories about being scammed and ripped off by their home warranty company, I want to read stories about how homeowners turned the tables and beat their home warranty company at their own game.
If anyone has any questions, I can be contacted at [email protected]

…………………………………………………………………………………………..





This letter was written by someone who worked in the home warranty industry for a long time. The views and opinions expressed are author’s own. However, we do think the author provides an insightful view along with some valuable suggestions.

—-

Hello. I was just reading the letter from Robert Lehman of HSA Home Warranty along with the comments as well as other home warranty company reviews and am compelled to contact you.

I worked in the home warranty industry for almost 17 years. I was an outside sales rep, selling the home warranty through the real estate industry as well as related industries (lenders, title companies, system and appliance vendors, appraisers and inspectors). I have been in the insurance industry since 1983.

An open letter to the home warranty Industry

While I am no longer working in the home warranty industry, I do believe in it and would like to help both consumers and home warranty companies alike. To make it as simple as possible – The home warranty covers the items listed in the contract subject to limitations and exclusions. Just like any other contract, not everything is covered. It is not Carte Blanche. Things that are not covered by the home warranty plans may be covered by a manufacturer’s warranty, a product recall, homeowners insurance or may just simply fall into the category of “the cost of owning a home”.

A home warranty is a wonderful service to have, reducing unexpected out-of-pocket expenses. But when there is a financial burden because of an unexpected problem, it’s so easy to not like who you have to call because you don’t like the situation. Not having to come out of pocket for the full retail cost of the repair is a whole lot better than coming out of pocket for the trade call fee and perhaps a bit
more towards the repair.

Now, having worked through many challenges with home owners, I know that the home warranty companies can improve in terms of both coverage and service. The challenge with coverage is the cost, the premium that is charged to the home owner. The challenge with service includes the home warranty company staff and the vendors that represent the home warranty companies.

Coverage provided by home warranty companies should be far more inclusive in my opinion. And I know it could be, but there has yet to be a home warranty company that is willing to make the move to charge a higher premium for that more inclusive coverage. It is a very competitive industry and no one wants to price themselves out of the market. But I know that I personally would rather pay $800 to $1,000 a year vs. $250 to $600 and not have to worry about more than my trade call fee.

Many home warranty companies have a basic plan with additional optional coverage for things like a kitchen refrigerator or roof leak coverage. Many times a home owner is justifiably frustrated to learn that this “option” was not purchased so they had no coverage. This is most common for home warranties that are purchased through a real estate transaction and the actual end user did not have say in the coverage purchased as the seller was the one who bought the warranty. The most common coverage complaint is when a vendor is dispatched for a system or appliance and the home owner has to pay above the trade call fee for an item that is covered by the home warranty. An example might be having the pay to bring a water heater to current code before the repair can be made. If the home warranty companies charged more for their covered items, they could very likely remove many limitations from their plans. There will always be exclusions, just like any other contract.

Service is big issue and it should be. The staff of the home warranty company should always have a smile in their voice and an empathetic ear. It’s a tough industry for service representatives at a home warranty company because they take a lot of heat from frustrated, emotional home owners. It is imperative that the home warranty companies properly and constantly work with their service reps to keep moral up and to coach on “empathy”. At the same time, it is equally important for the home owner to be polite and remain calm. It is not acceptable to speak rudely or abusively to a service rep at any company. But because people are emotional, there will always be times of poor communication, so the biggest burden should be with the home warranty company personnel. So many complaints about the service provided by the home warranty service rep would be eliminated if they would return a phone call in a timely manner; not keep someone on hold without checking back often and offering a return call rather than holding; and simply listening to the caller, completely, and having a genuine, unscripted conversation without pressure of ending the call in a certain time frame. And of course, the oh-so-important follow-up and follow-through.

Another challenge with service is with the vendor that has been dispatched to a home. Vendors do the dirty, physical labor, regardless of conditions including weather, traffic, conditions at the property they are servicing and the attitude of the customer. In most cases, the vendors working for the home warranty company are experienced and reputable and therefore should always treat the home owner with the utmost care and professionalism. Unfortunately, even though the vendor company may meet the requirements and expectations of the home warranty company, the home warranty company has no control over who that vendor hires; this is when many of the vendor related problems occur. It is so important for the home warranty company to have staff specifically assigned to vendor/contractor relations as well as requesting feedback from the home owner on how that vendor’s service was.

There is so much more that could be addressed, but hopefully this has helped someone somewhere.

– Anonymous Industry Veteran




How a home warranty benefits for aged? You might ask! Visualize this scenario: In your later part of life, when all the burdens have been released, you decide to finally live in peace. Enjoying all the luxuries of life, you decide to have a cup of coffee with the morning newspaper. And right at that time, you notice your ceiling fan is not working leaving you to sweat out all your calmness. You are now sitting there, brooding over the broken fan.

It is at this time, the role of Home Warranty comes into play and you can comprehend the home warranty benefits for aged.

Home Warranty Reviews and home warranty benefits for the Aged

Home Warranty aids you by taking up your responsibilities of such broken appliances and types of machinery. American Home Warranty  Companies provide you with the service contract of repairing or replacing the damaged appliances. Thus, the elderly at home need not fret about any appliance that has gone old. Now that’s a home warranty benefit for aged if you ask us!

Why Home Warranty For The Aged?

The Physical Inability of Aged

There are a lot of incapabilities that comes along with old age. Elderly folks do not have the energy to go out every time when an errand has to be done. Thus, an intervention into the lives of the aged, in the form of a home service contract can make a lot of differences in their lifestyle. Home Warranty or Home Service Contract helps them immensely this way by interceding to help them out. The elderly have to just dial the number of their preferred Home Warranty company.

When a repair has to be done, the Home Warranty company will send a technician to their home for repair. The incapacity to go out and search for a technician is a serious problem. With Home Warranty, the elderly would not have any such unwanted physical stress.

After thoroughly checking the Top Rated companies on the HomeWarrantyReviews.com, evaluate the companies that offer maximum benefits and get a quote. The problem is sorted. Thus, turning the negative of old age to a positive of peace of mind garnered by the home warranty benefits for aged!

Trustworthiness In The Technician

By sending an authorized technician from the Home Warranty company, the vulnerability of being tricked on repairs is avoided. It is often a serious affair to find a trustworthy technician who knows what is to be done and how it can be done with minimum cost.

An efficient technician is one of the home warranty benefits for aged, who are not aware of the technicalities of appliances and can be easily fallen into the pit of deception. The elderly at home can pick up the phone and the companies are just a call away. And moreover, as an icing on the cake, the repair contractors provide the aged customers with necessary insight for further maintenance, which is such a relief to understand the proceedings.

Financial Capacity

After retirement, the income of the elderly decreases relatively. Keeping that in mind, if any major repair or maintenance has to be done, a huge chunk of money is spent on a single appliance itself. This adds to the insecurity of the elderly. To avoid such bulky expenditure, home warranty provides with the option of repair contracts with lesser spending.

Even with a standard Home Warranty Plan ranging from $200 to $600, most of the appliances are covered. After every issue is raised, a mandatory deduction of $50-$100 is done. Some companies even provide with Zero Deductible Services. Hence, Home Warranty assures a sheltered old age.

Home Warranty For A Tension Free Old Age

Here’s a thing for the children who are either working/living away from your Aged parents. A peaceful life is all that the elderly look forward to. Who would expect a heater break down in the cold American winter when your parents are all by themselves? A situation of helplessness arises. It would be an unpleasant state for you to see them suffer. Therefore think afar and get a Home Warranty quote for your aged parents.

Home Warranty covers the repair works of the appliances at home to avoid any kind of panic at old age. All you need to do is go to our website and read some of the home warranty guides completely. Decide on which warranty provider you are going to opt for after going through the Reviews.

On another note, your warranty provider may sometimes deny covering your claim due to various reasons. Unless there is a valid reason, no claims are denied.

Meanwhile, for the convenience of elderly, HomeWarrantyReviews.com provides you with the option of estimating your Home Warranty costs with the Home Maintenance Calculator. Thoroughly assess it and come to a conclusion. Choose the wise way to be protected. Then sit back and relax! Enjoy the perks of being old! With a lot of free time and favorite things to do, but never have to sweat when the Air Conditioner breaks. Because all you need to do is make a call to your warranty provider!




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

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

10/11/08 Update

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

Coupon expires on 12/26/2008

Check out our reviews section for Choice home warranty reviews

11/18/08 Update

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

10/17/08 Update :

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

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

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




Freddie Mac has started offering free home warranty coverage for 2 years when you buy bank owned or foreclosed real estate property. The “Smart Buy” program was started in late August and is expected end at the end of October.

free home warranty

The promotional program applies to real estate owned homes sold through the agency’s HomeSteps unit, which deals with foreclosed properties that have been turned over to the lender. Called SmartBuy, the program seeks to address one of the major concerns homebuyers have about buying foreclosed property, namely, the potential cost of repairs on a home that may have been poorly maintained or allowed to deteriorate.

A typical home owner’s warranty costs anywhere from 300 to 600 dollars and will have a deductible per incident. There are several companies (AHS home warranty, Old republic home warranty, First American home warranty etc.) that offer home protection plans.

Freddie Mac will also pay closing costs of up to 3.5 percent of the purchase price. For example, on a $200,000 home, the program would pay up to $7,000 in closing costs, however it does not cover down payment.

Freddie Mac plays a critical role in the mortgage industry. Serving as one of the nations largest agencies that securitises conventional home loans, they have been in a precarious financial position over the last two years as home foreclosures have swept over the housing markets. Freddie Mac, along with Fannie Mae, another large national agency covering the mortgage markets, have both received billions of dollars of capital from the U.S. government in the last twenty four months. The companies financial problems escalated as they were leveraging the value of their loan portfolios in multiples over ten percent

Second and vacation homes, investment properties or property purchased solely for rental purposes are not eligible. There is a minimum purchase price of $25,000. More information on the program, including localized listings of eligible HomeSteps properties, are available through www.homesteps.com web site. Local real estate agents can also provide information on which properties are offered through the program.

As an advice, if you are buying a home make sure you hire a professional home inspector. They will inspect appliances, backyards, plumbing, electricity etc. to make sure everything is in good and working condition.




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

Home Warranty Plan

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

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

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

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

How Does the Plan Work?

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

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

Advantages of a Home Warranty Plan

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

Disadvantages

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

Final word

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

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




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

Stanley Warranty

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

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

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

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

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

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

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

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

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

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

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

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

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

What’s A Nice Homeowner To Do?

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

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

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




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

Insurances

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

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

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

Life Insurance

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

Benefits of a Life insurance

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

Health Insurance

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

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

Auto Insurance

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

Benefits of Auto- insurance

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

Home Warranty

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

Benefits of home warranty

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

Home Insurance

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

Benefits of home insurance

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

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

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

Click here to check for Home Insurance and warranty companies.

Future is unpredictable yet securable therefore get insured stay assured.




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

How Does a Home Warranty Work

Share this Image On Your Site

Now, back to the story.

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

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

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

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

The end




In the past year, over 32 real estate agents have helped consumers with more than 13 residential home sales in Houston, Texas. The oil slump can’t hold back Houston’s top realtors as the Houston’s housing market is performing extremely well. Sales have ranged in price from $99,000 to $697,500. Now, homes are available for a variety of price ranges – from about $300,000 near downtown to around $2 million in the best neighborhoods along the city’s Energy Corridor.

Best-Realtors-and-agents-of-Houston

Below is the list of Houston’s leading realtors based on their gross sales volume in dollar amounts, the number of transactions and the average price of homes sold-

Paige Martin

Houston-Realtor

A Houston-area native, Paige is a proficient and successful partner in any residential real estate transaction. Armed with an in-depth knowledge of Houston real estate market, her skills have marked her as one of the most preferred agents in Houston. With a customer-focused approach, Paige is dedicated to providing brilliant service. After graduation from Baylor University, Paige started her career as a marketing consultant, developing individually-tailored marketing techniques for her customers. She now employs those cutting-edge skills to aid her customers to buy and sell their homes with the least amount of stress. She monitors clients through every aspect of learning about Houston, relocating to Houston and ensuring hassle-free real estate transaction.

Paige Martin, a Broker Associate with Keller Williams Realty and owner of HoustonProperties.com is ranked as one of the top residential real estate agents across the world. Her website HoustonProperties.com features more than 1,200 pages of Houston real estate information on over 40,000 properties for sale in addition to a large number of resources for home sellers. Paige has successfully sold over $250million of homes and is listed among the Top 25 Residential Realtors in Houston for the second consecutive year in terms of individual gross sales and transactions. She has also been featured on TV and in several publications including:

  • The Wall Street Journal
  • Fortune Magazine, Reuters
  • Fox News in the Morning
  • Money Magazine
  • Houston Business Journal
  • The Houston Chronicle
  • Downtown Houston Magazine
  • Texas Monthly Magazine

Paige has been a consistent top producing agent and has won over 198 awards since 2003 for excellence in customer satisfaction. Her recent awards include:

  • 2016: One of the Top 25 Residential Realtors in Houston, Houston Business Journal
  • 2016: Five Star Realtor, Featured in Texas Monthly
  • 2016: One of America’s Best Real Estate Agents, RealTrends.com
  • 2015 Q3: #9 Individual Agent, Keller Williams, Worldwide (of 125,000 agents)
  • 2015: #2 Individual Agent, Keller Williams, Texas
  • 2015: #1 Individual Agent, Keller Williams, Southwest Texas (Houston, Woodlands, Katy, San Antonio)
  • 2015: #1 Individual Agent, Keller Williams, Houston
  • 2015: #1 Individual Agent, Keller Williams Memorial
  • 2015: One of America’s Best Real Estate Agents, RealTrends.com
  • 2015: One of the Top 25 Residential Realtors in Houston, Houston Business Journal
  • 2015: Five Star Realtor, Featured in Texas Monthly Magazine
  • 2014: One of America’s Best Real Estate Agents, RealTrends.com
  • 2014: One of the Top 40 Real Estate Agents in Houston, Houston Chronicle
  • 2014: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2014: Five Star Realtor, Featured in Texas Monthly Magazine
  • 2013: Top 50 Houston Realtors by the Houston Chronicle
  • 2013: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2013: Five Star Realtor, Featured in Texas Monthly Magazine
  • 2012: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2012: Top 5 Ranked Individual Agent in the Houston Area with Keller Williams
  • 2011: #1 Ranked Individual Agent, Keller Williams Memorial
  • 2011: Top 10 Ranked Individual Agent in the Houston Area with Keller Williams
  • 2010: #1 Ranked Individual Agent in the Keller Williams Memorial Office
  • 2010: Top 10 Ranked Individual Agent in the Houston Area with Keller Williams

James Krueger

Houston-RealtorWhether you are buying or selling a home, James Krueger can help you win at real estate! He is the owner of Kruger Real Estate which was founded on a corporate philosophy of devoted commitment to quality service. Upon graduating from Texas A&M University as an All-American archer and economics major, Kruger worked as a business analyst for Reliant and then a consultant for an executive compensation firm. He believes that excellent real estate service begins with personalization – with one agent who listens, learns your goals and helps you accomplish them. Krueger Real Estate agents are backed by a team that keeps you informed through every step of the home buying or selling process while giving you unmatched customer service. As a former litigation, Kruger understands legal contracts and also knows how to value a property to get you the best possible deal.

Krueger Real Estate mainly serves the Greater Houston Area and surrounding areas including Katy, Cypress, Sugar Land, The Woodlands, Spring, and Tomball. Krueger is pioneering an exclusive model to improve agent retention and client satisfaction. Unlike many traditional brokerage firms, Krueger Real Estate pays attention to duties that a realtor at other brokerages is responsible for. It provides a distinct advantage in maximizing the exposure of their listing through online, print, and social media outlets. The local experts assure you of professional photographs, proficient staging and presentation guidance, an online marketing blitz campaign and thorough listing descriptions that will make your home noticeable from the rest. “If I can create an amazing place to work, I can attract super high-quality agents who attract high-quality clients,” said Krueger, broker and owner of Krueger Real Estate.

Krueger Real Estate employs a client relation management system to keep an eye on its clients and has a call center that tries to answer all new client queries within 3 minutes. Krueger’s client focused approach seems to be working and has helped him grow his company. In 2013, Krueger started with 8 agents who made $27 million in home sales and the following year he grew his company to 15 agents who brokered $46 million in home transactions. In 2015, with 45 agents, Krueger’s firm collectively made $65 million in closed and pending sales. Krueger aims to crack $100 million in sales in 2016 and has a dream to grow his company to 250 agents, expand to the four major Texas markets and break the $1 billion home sales mark by 2020.

“I always wanted a fun, cool place to work, so when I started my company, I wanted to make it an enjoyable place to work,” Krueger said. “A company isn’t anything without the people you have on board.”

Krueger has been named the Top Producer by the Houston Association of Realtors for 2012 and 2013. He is a certified negotiation expert (CNE) and has the following Professional Real Estate Memberships:

  • Accredited Buyer Representative (ABR®)
  • Short Sales and Foreclosure Resource (SFR®)

Lance Loken

Realtor-Houston

Founder of The Loken Group, Lance Loken strives to be the excellent real estate service provider in all 9 countries in the Greater Houston Area. The group is backed by a team of specialists out of the Keller Williams Realty Signature office who serves real estate buyers, sellers, and investors to make your home buying and selling experience pleasant. By employing the newest technologies, business tactics, and market research, the agents are able to list your home strategically and effectively. Most importantly, the agents listen and find solutions that are tailored to you.

Prior to entering real estate, Loken worked as a C-Level executive for firms like The Wood Group Renewable Energy Service, Francesca’s Collections Inc., and C.D. Johnson Companies which helped him shape the way he approaches real estate. “My goal is to always be your real estate SOLUTION – whether that means helping you buy, sell, invest or rent,” Loken said. Loken is an Accredited Luxury Home Specialist (ALHS) and a Certified Luxury Home Marketing Specialist (CLHMS).

From paperwork to marketing, The Loken Group stand by you in every step of the way, replying to your questions and offering exceptional customer service. They were recently named:

  • #3 out of all Real Estate Teams in Houston (Ranked by Number of 2014 Closed Transactions – 662 by the “Houston Business Journal”)
  • #20 out of all Real Estate Teams in The United States (Teams by Transaction Sides in 2014 – 658 – by REAL TRENDS (“Wall Street Journal”))
  • #3 in all Keller Williams agents worldwide (based on units closed in 2015)
  • #1 Best Place to Work in Houston (Medium Companies, 2015, “Houston Business Journal”)
  • #79 (Teams by Sales Volume in 2014 – $137.3 mil) in America by REAL TRENDS (Wall Street Journal)
  • #303 in the Inc. 5000 List of America’s Fastest-Growing Companies

The team of specialists at The Loken Group manages clients in all price ranges. Their luxury division is backed by proficient luxury experts who help clients in more than $650,000 price range.

Alfonso Parodi

Realtor-Houston

Alfonso Parodi obtained a Business Administration degree with a Minor in Marketing from University of Lima, Peru. Thereafter, he moved to Houston and lived there for 9 years where he had the opportunity to attain extensive experience and training in Sales including residential lending, real estate, retail, networking, recruiting, marketing and primarily customer service. Parodi is competitive and goal-oriented with a passion for delivering outstanding customer service. In just 3 years, Parodi has become a top agent at Realty Associates in Houston which is home to more than 1800 agents.

Alfonso founded Team Parodi in 2013 whose focus is to bring the best group of agents together with a support team of award winning interior designers, experienced inspectors, proficient photographers and all other experts to help customers buy and sell their homes in areas such as Cypress, Houston, Humble, Katy, Tomball and more. Team Parodi at Real Associates is proud of each purchase or sale that aids clients to attain their dream home!

The technology savvy agents employ the cutting-edge tools and programs to give their clients an advantage in the fast moving and super competitive market for a successful transaction. Currently, Team Parodi is backed by 6 key members and will be adding more agents to be better prepared for a very busy future market. Whether buying or selling a home, Team Prodi is ready to be your trusted resource.

Owing to his excellent communication skills and expertise, Parodi is selected and recommended time and again by his clients. He has been awarded in the top 1% Buyer Agents among 25,000 agents and also:

  • recognized by Houston Association of Realtors in 2012, 2013 and 2014
  • awarded the esteemed 20 Rising Stars under Age 40 by Next Generation of Realtors (Houston Association of Realtors)
  • named 2015 Top 250 Latino Agents in the US by NAHREP

With professional accomplishments in both experience and education, Parodi maintains the Certified Residential Specialist (CRS) Designee. Presently, less than 3% of 1 million agents carry this designation. Besides, he has the following Professional Real Estate Memberships:

  • Accredited Buyer’s Representative (ABR®)
  • Graduate Realtor Institute (GRI®)
  • Short Sales and Foreclosure Resource (SFR®)
  • Texas Realtors Leadership Program (TRLP)

Angela Pipes

Realtor-Houston

Angela Pipes is a Licensed Real Estate Agent at Redfin Corporation with 17+ years in the Houston Real Estate market representing both sellers and buyers. She is passionate about the relationship with her clients which helps her adapt to their needs and receive referrals. Whether you are a first-time buyer or an accomplished seller, Pipes would guide you through the entire process. A member of the Houston Association of REALTORS, Pipes has established a reputation for being proficient in handling land sales, new construction, investment properties and resales including historic homes in the Heights, Montrose and other neighborhoods such as Katy, Memorial, Spring Branch, Clear Lake, and Galveston.

Pipes mainly works in the urban communities of Houston and keeps abreast of real estate developments and attending community events. She is an advocate for those interested in building better practices, smart growth and energy efficiency. Pipes works closely with her clients to make sure every sale closes without a hitch. She is always accessible, prompt, and thorough with her clients’ requests and her quick response time with emails is appreciated as well.

Angela Pipes has been qualified as a Top Production REALTOR based on 2016 second quarter listing side number of MLS sales transactions of the Houston Association of REALTORS. This certification is given to those who aim to maintain the highest ethical standards and whose production ranks among the highest number transactions within HAR’s 25,000 brokers and agents. As a Certified Negotiation Expert (CNE) and Accredited Luxury Homes Specialist (ALHS), Pipes has proven to be a valuable asset to Redfin and to her clients.




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

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

Home Warranty Companies in Georgia

1. American Home Shield (AHS)

Services Offered

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

Client feedback

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

Plans Offered

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

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

2. The Home Service Club

Services Offered

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

Client feedback

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

Plans Offered

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

3. Home Warranty of America

Services Offered

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

Client feedback

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

Plans Offered

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

4. 2-10 Home Buyers Warranty

Services Offered

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

Client Feedback

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

Plans Offered

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

5. Select Home Warranty

Service Offered

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

Client feedback

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

Plans Offered

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

Conclusion

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

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