Getting Ready for Kitchen Renovation – What to do Before the Hammer Hits?

Personalizing a space and its aesthetics to suit your style and needs is what renovation is all about, but it’s not all about how it looks. We all know what a task it is just to get your home repainted, from covering up all the furniture and appliances to pretty much having to move out till the task is complete. That’s where the mission of preparing yourself for a home renovation comes in – from the planning of layout and budgets to the actual wrapping up of the house and constant supervision. When it comes to renovating a kitchen, planning is all the more important, as it is impossible to use the space while the contractor is at work.

Kitchen Renovation and Preparedness

It can seem very daunting and not knowing where to begin is a major setback when it comes to such projects. If you take too long, there is even the fear of losing interest altogether. Taking stock of property, estimating costs, schedules and research are all a part of the process, making sure you don’t compromise during the renovation and yet don’t land up overshooting budgets. Below are a few points that will help you out to kick start and keep control of the renovation.

1. Draw Out A Plan For The Essentials

Keep your plans and layouts realistic, the budget strict and make sure you set aside a margin for unexpected costs – there is no way of avoiding surprises completely! A few absolute essentials – cabinets, stovetops, sink, and chimney – usually take up a larger percentage of the estimate, so if you plan on changing or adding any of these, do it first.

2. Research For A Perfect Renovation

Keep some time to go through interior and architecture magazines and blogs online to get some inspiration and keep an archive of things you might want to get back to or must remember. Phone applications like Wunderlist, Evernote and Google Keep act as great digital notebooks, and Pocket for Android/ Apple /PC allows you to save websites and blogs offline to get back to later. Instead of printouts and sticky notes, the digital era gives you an easy way out, especially since they can be synced between computers and phones with just an ID.  It might seem like a lot of work, but it is always helpful to have a picture of that you want, especially when talking to the contractor.

3. Assess The Level Of Work

At this point, there would be two ways to go about it – either to follow the existing blueprint or to alter architectural elements and start afresh. The latter is more lucrative but keep in mind that it is also pricey and more time consuming. The benefit of it is that it will allow you a lot of flexibility in terms of wiring and even plumbing a few areas.

It’s time you also took stalk of decisions regarding your appliances; their age, condition, and efficiency primarily. This is a good stage in the process to call in an inspector from a Home Warranty company to assess which appliances of yours are keepers and what the company can offer you in terms of their coverage, claims, and conditions.

4. Professional Assistance For Renovation

The first step is going to take up quite some time, especially when it is about budgeting.  The fact of the matters remains that you will need a professional sooner or later, and it is best to give yourself that liberty of taking help when you need; from hiring an inspector for technical decisions to getting a little design assistance during your showroom visits.

Pick what suits you best and chalk out a tentative budget. A professional at this point can be very resourceful and would also help you keep grounded in all the small decisions that you need to take. If you plan on undertaking a more comprehensive route which involves architectural changes, getting an engineer to inspect the space is a must.

5. Finishes, Fixtures, And Style

It’s time now for big decisions! It is important to keep things functional but that shouldn’t stop you from having a bit of decorative fun.

Major aesthetic decisions you have to narrow down and sign off on:

  1. The style, build and exterior finish of cabinets.
  2. What material you want to use for countertops.
  3. Positions of electrical appliances, niches, and division of space.
  4. Sink placement and accessories.
  5. Lighting.
  6. Material and finish of your backsplash, anything from tiles and glass to simple glazes and stone.
  7. Relooking at the flooring, maybe even in just parts.
  8. Ventilation and windows, chimneys and airways.   

6. Estimates From The Contractor

Before you sign off with a contractor, make sure you get more than one estimate. Outside of the budget, make sure you relate with him and his team – you will be spending quite a bit of time with them, especially when you supervise the finishing touches.

7. Set Yourself A Temporary Place

Once the hiring, picking of designs, signing contracts are done, it is time for you to pack up and let the renovation begin. Have the contractor help you set up an alternate space; it makes the entire process a lot less daunting.

8. Let The Fun Begin

We’d love to say that it is time now to relax but now is when the real work begins. Though the contractor and professionals will do the heavy lifting, as a homeowner, it important that you are involved and kept in the loop every step of the way.

Warranty And Insurance

Be it an extensive renovation or just a few replacements and tweaks, having an insurance in place during the construction process as well as a warranty for appliances and wiring systems is highly recommended.

Not only are you covered in case of accidents, there is also a certain degree of guarantee that the alterations being made are going to hold for years to come, without constant repair.

And what better way to research than HomeWarrantyReviews.Com? With comprehensive reviews, ratings of all the states in the US and with a greater focus on home warranty companies operating in major cities, you can be certain of the level of work you can expect from a home warranty company. At the end, all you have to go is compare policies and pricing by getting free quotes from many home warranty companies operating in your ZIP code!






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

What To Look Out For In Your Electrical Wiring System

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

Electrical wiring maintenance tips

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

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

Routine Testing

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

Out With The Old, InWith The New

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

Original, Branded, Tested And Certified Electrical Wiring

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

Water And Electricity Never Mix

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

DIY Isn’t Always The Answer

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

Overloading The Electrical Wiring

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

All’s Well Which Ends Well!

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

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

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

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

Home Warranty And Added Benefits

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

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

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

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

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

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




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

Warranty Plans for Household Items

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

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

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

Let’s begin with the list

#1 Home Warranty

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

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

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

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

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

#2 Manufacturer’s Warranty 

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

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

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

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

#3 Seller’s warranty

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

#4 Extended Warranty

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

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

#5 Home service contracts

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

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

Getting the best

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

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




Extended warranty sometimes also called as a maintenance or service agreement, is a prolonged warranty given to customers who wish to insure their fairly new devices. They are not always provided by the manufacturer and are usually procured along with or as and when the manufacturer’s warranty expires.

Such extended service agreements are often purchased for gadgets and appliances that don’t come under Home warranty. Eg. laptops, TV, desktop computers. They can be purchased over an existing manufacturer’s warranty so that damages due to accidents are also covered.  They cover repairs and replacements of the insured device for a fixed period of time, which is usually around 2-3 years.

Do I need extended warranty?

If you are wondering whether you need an extended appliance protection plans or not, consider this –

You have a reasonably new device which cost you a lot. It is still covered by it’s manufacturer’s warranty but you are not certain if that will be enough. You fear that accidental damages may occur and you cannot afford to repair or replace the device if it happens. If this is what is going through your head, we recommend that you purchase an extended warranty.

There are quite a few advantages that make you want to consider buying an extended appliance protection plans. Here are a few of them:

  • Extended warranty agrees to repair or replace your appliances if it breaks down after the manufacturer’s warranty expires.
  • They cover most of the electrical and mechanical damages.
  • You may never have to claim anything on your manufacturer’s warranty as the chances of a device failing in the first 12 months of it’s life are low.
  • They are easy to acquire and they give you peace of mind.
  • Almost all major appliances can be covered with an extended warranty.

Although, the advantages may seem great, some experts have the opinion that extended warranty is a waste of money. This is because a decent appliance/gadget manufactured by a reputable company stands very little chance to fail in the first 2 years. It has been noted that retailers make huge profits from extended protection plans as very few consumers claim them.

Also, when it comes to electronic gadgets, it sometimes makes more sense in replacing it with a new one rather than repairing the damaged one. These days you can get a DVD player for around $30, so why then would you spend $20 repairing your damaged DVD player?

Technology is advancing at a very fast pace, unless your device is precious and expensive, we suggest that you think twice and explore a few options before you purchase extended warranty.

You may want to look at the repair rates of the various gadgets in the first 3 years of their lives and then decide if you need to go for an extended protection plan. However, the same cannot be said of Home Warranty, which is always recommended for most homes.

If you feel you don’t need an extended warranty as your appliances are 4+ years old, the best option for you would be a Home Warranty. Find out more about Home Warranty and Home Warranty Companies!

Buying Extended WarrantySource: CBS News

Extended Warranty vs. Home Warranty

extended warranty vs home warranty

Things to keep in mind

While you consider purchasing an extended warranty, ensure that you contemplate on all the points that follow.

  • Contract Terms and Conditions

Make sure that you know how the plan works. Read through the terms and conditions mentioned in both the contract as well as the policy booklet. Understand what damages are covered and what damages are omitted.

  • Term of coverage

All extended warranties do not have the same duration of coverage. The term can vary anywhere between 6 months to 3 years. Be clear on this.

  • Extra charges

Beware of this one. In certain cases you will have to ship your damaged gadget to some other location. If this happens you will have to pay the shipping charges. Not only this, there could be several cases where you will have to spend extra money in addition to the amount you pay for availing the warranty. You can speak to the retailer to clear any doubts you have regarding this.

  • Comparison shopping

A lot of warranty companies are out there that sell extended warranty. Sometimes  it makes sense to consider a few options before you jump into a decision and purchase extended warranty from the retailer. Some companies offer plans that cover a group of devices instead of a single device. These may be much more profitable that purchasing one warranty for a single gadget.

  • Credit card benefits

Before you purchase an extended warranty, check with the bank issuing your credit card to know if you are automatically entitled to an extended warranty if you make a purchase with the card. In certain cases, platinum and gold cards offer this feature to customers.

Getting an extended warranty is not a bad idea. However we urge you to go through everything carefully before you purchase an extended warranty from the retailer. Extended warranties, like we said are only for a single appliance/gadget. While they are not pricey as such, sometimes, for homeowners with ageing appliances find Home Warranty plans more ideal. They are affordable and cover a host of appliances and not just a single one. If you think, an appliance warranty plan is what you need, take a look at the top 10 home warranty companies in the U.S.A. Good luck!




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

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

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

Benefits of Green Life

Decorate Your House With Plants

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

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

Common indoor plants

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

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

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

Where to place your green friends?

plant2

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

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

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

How to place them?

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

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

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

Caring for indoor plants

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

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

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




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

Tips-to-become-a-homeowner

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

The Way To Dream Home

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

1.    Climbing-Up The Ladder

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

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

2.    Accessing The Schemes

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

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

3.    Save-Up

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

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

4.    Joint Ownership

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

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

5.    Lease To Own

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

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

6.    Family Help

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

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

7.    Secondary Job

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

Make Your Dream Come True

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




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

Home insurance

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

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

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

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

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

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




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:

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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]

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Author: Ron
Posted in – HSA Home Warranty

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

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

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

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




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

Contractor looking for job

Why Work With A Home Warranty Company?

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

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

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

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

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

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

How To Work With A Home Warranty Company?

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

Some of these leading Home Warranty Companies include,

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

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

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


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

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

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

What To Remember Before Becoming A Service Contractor?

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

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

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

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

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

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

Recommended Articles




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

Budget-protection

How To Design An Effective Budget?

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

1.       Minimize On Maintenance Costs

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

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

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

2.       Buying Quality Products

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

3.       Clarity On Budget

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

4.       Buy What You Need

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

Benefits Of Planning Your Budget

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

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

 




Here is a list of most read articles about home warranty on our site. Enjoy your reading and provide us your feedback!

Articles

Home Appliance Warranty Plans – What is appliance protection plan and how does it help homeowners

Extended Home Appliance Warranty – Things you should consider before buying an extended appliance warranty policy.

FAQs on home warranty plans – This section covers most frequently asked questions about the protection plan

Five Types of Appliance Protection Plans – Covers various kinds of warranties such as appliance warranty, manufacturers warranty, extended warranty, sellers warranty, home service contract etc.

How to choose a home appliance warranty plan – This article explains how to choose a home  warranty plan and the service provider company.

Is home warranty necessary for buyers and sellers – Explains if home warranty is needed for sellers as well as buyers.

Average appliance repair costs – Provides a list of average appliance repair occurance percentages to help you decide whether you need to participate in a home warranty program.

Home warranty quotes – Home warranty quotes, coupons and deals

Is home warranty really an insurance? – Not necessarily. This articles explains why you cannot bank on home warranty for all your repair and replacement needs.

Home maintenance Tips – How to take better care of your sweet home

How to pursue insurance claims – How to pursue a claim when the service provider company is acting tough on your claim.

An Open Letter to Home Warranty Industry – An open letter written by someone who worked in the home warranty industry for a long time. Author provides an insightful view of the industry. The views and opinions expressed are author’s own.




We previously reported about NY attorney general’s lawsuit against National Home protection. On December 15, 20009 NY New York Attorney General Andrew M. announced a court victory in the lawsuit against this home warranty company. NHP’s website is not accessible any more and phone calls are not answered. The company is believed to be defunct and its customers cannot expect any service, although they might get some kind of severance from this lawsuit.

According to the reports published at wivb.com this morning, the court found NHP engaged in false and misleading advertising, made multiple misrepresentations and violated New York consumer protection and insurance laws. Subsequently, the company and its principals, Leo Serrur, David Seruya and Victor Hakim, agreed to pay $900,000 in restitution, penalties and costs. The agreement was approved by the New York Supreme Court on December 14.

NHP sold consumers yearly home warranty plans at an annual price of about $370. NHP’s advertising and contracts promised to repair or replace consumers’ household systems and appliances which failed to work properly due to normal wear and tear. Hundreds of consumers who purchased NHP’s plans complained to the Attorney General’s office and other agencies that NHP did not provide the promised services or replacements.
The Court also concluded that NHP made multiple misrepresentations to consumers via its website, including that it provided “sensible protection against repair costs,” “affordable coverage that could save you thousands,” and that it “will replace your unit with the same or like model.” The Court noted that consumers complained that claims were denied for failure to produce maintenance records and that they were offered inferior appliances or cash back offers that were a small fraction of the actual appliance cost. The Court also ruled that the Attorney General could recover on behalf of all aggrieved consumers, including those residing outside the State of New York, since NHP used New York to complete its deceptive transactions.

Importantly, the Court’s decision makes it clear that a company cannot rely on small print terms and conditions of contracts to disclaim attractive advertising claims that lure consumers to purchase products or services.

As part of its agreement with the Attorney General’s office, NHP and it principals have agreed to pay a total amount of $900,000 in restitution, penalties and costs. The company and its owners are also permanently enjoined by court order from running a home warranty business unless they first comply with the New York Insurance law on demonstrating financial responsibility and with other New York consumer protection statutes, violations of which are punishable by contempt.

Consumers who are eligible for restitution under the settlement
include:
– Consumers who were denied contracted-for, or advertised services from NHP;
– Consumers who did not receive gift cards advertised and offered by NHP as an incentive for entering into the home warranty agreements; or
– Consumers who were denied the right to cancel their home warranty agreements within twenty (20) days of the date of mailing of the home warranty agreement or within ten (10) days if the home warranty agreement was delivered at the time of sale, and have not received a full refund from NHP or any other entity.

Consumers who were harmed by NHP’s deceptive conduct and false advertising will be able to file a claim for restitution. All NHP customers will receive claim forms by mail over the next several weeks and need not take any further action at this time.

Consumers may check the Attorney General’s website periodically for updates on the National Home Protection consumer claims process. Consumers with questions may also call the Attorney General’s Consumer Helpline at (800) 771-7755.




Maintaining everything in the home is one of the major concerns homeowners have to deal with. Every homeowner worth his salt will tell you that the primary expenses incurred in the process of home maintenance are due to appliance and system faults.
Home Maintenance Plans

Having said that, we’re sure that everyone has heard of Appliance / Home maintenance plans or simply put, home warranty plans. Such plans are contracts that agree to provide you with discounted repairs and replacement services for household appliances and systems. Do keep in mind that such plans are for ageing appliances that have suffered quite a bit of wear and tear over the years. Appliance warranties only cover damages that are due to age, wear and tear.

Home Warranty – How Does it Work?

The working of such plans are quite simple. You purchase the warranty from a home service provider for a specific duration. During the coverage period, if your appliances / systems breaks down, you only need to  call the your warranty provider. They will send a technician to fix your faulty item at just a nominal service charge fee. The actual cost of repairs will be borne by the company.

Hence, in many ways, a warranty is a wise way to protect your budget from unexpected expenses. To know more about home service contracts, read things to know about home warranty. You’ll find that helpful.

Cost of Home Maintenance Plans

Now, coming to the actual problem that this article addresses, cost of home maintenance plans. In general such appliance warranties are affordable and reasonably priced. Most companies offer a specific set of plans from which you can choose, based on your requirements.

The annual premiums for a home service contract ranges between $200 – $ 600, for a home under 5,000 sq.ft. When you purchase a plan, you will be provided with a policy booklet that explicitly specifies all the items that will be covered. You will also be provided with information about various other terms and conditions. Like we said before, home service contracts do not cover damages due to anything other than age and regular use. For faults due to crime, hazards and other perils, you may want to check the difference between home insurance and home warranty.

In addition to the annual premium, you may also have to pay a nominal fee as the deductible each time you raise an issue. Deductibles usually cost between $50 – $100. There are some companies that offer zero deductible appliance protection plans

Like we discussed before, different providers charge different amounts for their plans. Following are the facts that decide the cost of home warranty.

  • Extent of coverage
  • Type of plan
  • Additional benefits/ services
  • Size of the house
  • Age of the house

If you want to purchase a home warranty plan, we suggest that you get your home inspected first. While some companies offer this service prior to the contract being signed, some companies do not. A home inspection reveals a lot of potential problems that your house may face and the inspector may even recommend a plan to make the best out of home warranty.

Bottom Line

If you are still unsure about home warranty, we suggest that you go through our web site and read some informative articles that may help you solve some confusion. That said, we still think that a home warranty is a clever way to protect your appliances and save cash in the process. Cheers!




Are there scams in the home warranty industry?

When you look at the words most often used in emotional complaints about home warranty companies you may find that “scam” is a very common term. But if you look very closely at the home warranty industry it’s hard to find evidence of a scam rooted in the established home warranty companies.

Home Warranty Scams

Though homeowners are not always happy with the speed or manner of the response to their claims it takes more than just complaints to make a true scam. So are there no scams in the home warranty industry? My personal opinion is that there are plenty of scams and if you look back you’ll find plenty more in the past. Does that make the home warranty industry unique? I definitely don’t believe so. Auto insurance, health insurance, home building, government, religion – you name it, there have been scandals and grounds to throw words like scam around. A home warranty is not unique in that it has unhappy customers. Show me an industry without unhappy customers and I’ll be the first to change careers. But like I mentioned before, home warranty customers have been victimized and are probably being victimized even today.

Spotting the scams and the companies that are not operating with the best interests of their customers in mind is the very first priority. This is where homeowners and legitimate home warranty companies can work together. Real estate agents, home repair contractors, home inspectors, and many other professional and customer advocacy groups can also help to point out the signs that home warranty companies are not doing what is right for their customers.

How do you spot home warranty companies that may be scamming customers?

How can homeowners identify home warranty companies that are likely to be scams or just not be doing what is right in terms of their commitments to customers? There are a few basic approaches to getting a good read on a home warranty company and all of them involve some time spent doing homework. What this comes down to really is customers taking their time and not making impulse purchases of home warranty contracts. And during that period of finding out about a home warranty company here are some things homeowners would be wise to look out for:

  • Is the home warranty company well established? This one is important. Many home warranty companies that fail to take care of their commitments due to greed or negligent management practices still cannot be labeled scams. But like the companies that are intentionally misleading customers, the ones that do a bad job with customer service or mismanage the company’s assets tend to wind up being fly-by-night companies. If a company hasn’t been around long then homeowners should be extra cautious.
  • Are people you know talking about the company? If you ask everyone you know about a home warranty company and nobody can tell you a thing about them then, again extra caution is wise. Keep in mind that hearing about other people you know signing up for a home warranty doesn’t necessarily mean a company will be good to deal with as a customer. Until you file a claim you don’t really know what you’ve gotten yourself into.
  • Do your state government’s insurance regulatory authorities or other public offices know anything about the home warranty company? Some states have rules for home warranty companies while others do not. If you live in a state that has no regulations, licensing requirements, or other rules for home warranty companies then you should tread very carefully. If you choose a home warranty company that fails to deliver on its promises your state may have little or no recourse available for you. If your state licenses or otherwise sets limits on home warranty companies don’t sign or buy anything until you know where the home warranty company stands with your state’s regulatory entity. And ask about complaints. Some officials can tell you if there have been complaints filed with their office or other offices against the home warranty company you are inquiring about.
  • Find out more about the company in terms of physical location and ownership. As mentioned earlier in this article, there are sometimes signals that a home warranty company isn’t legitimate. The harder it is to find out about the ownership and location of a company the more cautious a homeowner should be about doing business with it.

What sorts of home warranty scams should you watch out for?

It’s difficult to predict what sort of stunt criminals will pull tomorrow but in terms of what scams I’ve heard of up to now, here are a few. The names may be funny but the financial losses and wasted time on the parts of the jilted customers are nothing to smile about.

“The Emperor’s New Clothes”

This one involves a company that isn’t a company at all. It has none of the financial depth that is required to cover the costs of handling repairs and replacements when home warranty customers file claims. In fact, these companies rarely have a real office and follow the same pattern almost every time. They deny all the claims they can, approve the ones they can’t but then don’t pay anyone for the work performed, and then when frustrated customers cancel they promise refunds which they also fail to pay.

“The Ponzi Scheme”

These companies oftentimes pay their contractors and approve returns but do so in such a way as to gradually put the company further and further behind on various debts. While they do this they use positive customer reviews to attract more customers and also spend a great deal on advertising in some cases. By the time they become fat with customers and reach their peak they’ve already bankrupted the company through poor management. The customers who are holding new home warranty contracts the day the company finally sneaks out its back doors and turns off the phones are the ones who get hit the hardest. Sometimes this type of scam leaves a long-term trail of customers who don’t find out their contract is worthless until they attempt to contact their home warranty company’s customer service center. This grab-the-cash-and-dash routine has burned many, many homeowners over the years.

“The Disguise”

Some people who found bad home warranty companies get away with their misdeeds or only receive a slap on the hand that holds the checkbook. They then go on to start other home warranty companies using new company names and sometimes using different people as the officers or owners of the company. By disguising themselves they evade the public scrutiny that would otherwise stop their scams cold. Homeowners caught up in the web of these characters can count on denied claims, shoddy work, unpaid contractors pursuing the homeowner for debts the home warranty company owes payment for, and many other unpleasant circumstances.

What can homeowners do if they suspect they are dealing with a fraud that is posing as a home warranty company?

For the sake of other consumers, friends, and the home warranty industry where companies work diligently to satisfy their customers, any homeowner who feels that a claim was handled unfairly or that there are signs of misconduct on the part of their home warranty company should not remain silent. All too often home warranty companies give the overall industry a bad name with their poor handling of claims, contractor relations, or other important areas of their businesses. And in the case of true scams, more often than not, the people behind the scams only get away with what they do because it takes so long for anyone in a position to stop them from realizing what is happening. As consumers realize their options to use government offices, social media, and word of mouth to sound the alarm about bad home warranty companies it will become more and more difficult for new scams to find victims.


This is a guest article written by Kevin Wallach. As owner and writer at CompareHomeWarrantyQuotes.com  Kevin spend a great deal of time collecting information to help his readers better understand home warranty plans. Though home warranty is not the most popular topic online, it does mean a lot to homeowners who need help with questions about it.




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

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

Difference Between Home Insurance And Home Warranty

difference between home warranty and homeowners insurance

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

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

What Does A Home Warranty Contract Cover?

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

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

Benefits Of Home Warranty Coverage

To The Homeowner

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

To The Seller

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

To The Buyer

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

Home Insurance

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

What Does A Home Insurance Policy Cover?

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

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

Benefits Of Home Insurance

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

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

Cost/Pricing For Both

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

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

How To Choose A Home Warranty?

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

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

How To Make A Claim?

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

How To Choose Home Insurance?

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

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

 




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

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

Pick The Best Real Estate Agent

How To Pick The Best Real Estate Agent

 

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

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

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

#1. Credentials

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

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

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

#2. License

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

#3. Tenure In The Business

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

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

#4. Listings

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

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

#5. References

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

Do Your Research

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

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




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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




Here’s a write up about top home warranty companies in New Jersey. Now all you need to do is scroll through the list of companies, visit our site for a free quote and user reviews to pick your home warranty! We guarantee you that you’ll find that it is very useful!

Home Warranty Companies In New Jersey

Located in the Northeastern and Middle Atlantic regions of U.S.A, New Jersey is indeed a popular state. Fondly called as the Garden State of America, NJ has much to offer for its residents. No matter where in New Jersey you are, if you are a homeowner, your primary concern would be caring for your family and your home. Like most homeowners, it’s natural that you’ll worry about the expenses of repairing unexpected damages and replacements of your household appliances.

So here’s our list of top home warranty companies in NJ based on user reviews and ratings-

These companies have been around for several years and are on this list because of the feedback they have received on our site from their customers. Take a detailed look at each one of ‘em!

1. American Home Shield

American Home Shield or AHS as it’s commonly called, is a company that founded the home warranty industry. Naturally, this is a company with unparalleled experience and a nationwide footprint. AHS also has a massive contractor network where every single technician is selected after a stringent screening process.

AHs offers plans that are designed to suit the needs of homeowners, Realtors, buyers and sellers alike. Their plans are reasonably priced and standard plans start from as low as $250 every year. The company also has an online claims facility and a customer service facility that runs around the clock.

2. Home Service Club

Yet another popular home warranty company in NJ is the Home Service Club (HSC). This too is yet another company with nationwide footprint and with coverage in over 48 states. HSC too screens each technician in their contractor network and follow up with the customers to ensure that they are satisfied with the services.

HSC’s plans start from $400 annually and the deductibles are charged between $65 to $125. Warranty purchases can be made through their website which also has the facilities to allow homeowners track their account. Online claims can be made just as easily as claims can be made with their round the clock customer care service.

3. Select Home Warranty

Headquartered in NJ, Select Home Warranty is one company which has plans to cover anything from rental properties to mobile homes and condo units. They have three main warranty plans which vary in the extend of coverage and comes at affordable prices. This is one company that does not place an age restriction on the house or mandate a home inspection prior to purchasing a plan.

Select Home Warranty’s plans start at $299 annually and the average deductible is charged at $45 per service visit. Customers can purchase plans through their website and even place claims online to schedule to a repair.

4. HSA Home Warranty

This is a company with close to 30 years experience in selling warranty products. Like the others on this list, HSA too offers competitive plans at compelling prices to its customers. More than just home warranty plans, the company also has a host of other services and even a newsletter for homeowners, sellers, buyers and real estate agents.

Annual premium for plans sold by HSA range between $589 – $619. The deductible varies depending on the kind of plan you chose but is usually between $50 – $100. HSA too has a 24/7 claims facility and also the facility to place claims through their website.

5. Choice Home Warranty

Choice Home Warranty is a popular choice among NJ homeowners owing to their comprehensive warranty plans and affordable pricing policies. With policies that will add to the value of your home, CHW has managed to garner a lot of positive feedback from their customers.

Standard plans are available at premiums ranging from $370 – $450. Deductibles are charged starting at $60. CHW too has an online claims facility and has a massive network of skilled, licensed and experienced technicians ready to be dispatched when claims come in.

The Bottom Line

This list has been prepared based on actual user reviews submitted on our site. Therefore, there is a good chance that we may have missed out on an awesome company due to insufficient reviews. We welcome inputs from readers based in NJ to know more about companies there. Do let us know what you think. Also, you can take a look at top home warranty companies in various states across U.S.A. Cheers!