Home Warranties and FHA/VA financed homes – Featured Review

This week’s featured review comes from Polly, posted in 2-10 home warranty reviews section. HWRCopyright

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The only way we ever got HBW to pay anything on a claims for construction defects was because we had a way to avoid their arbitration process. Despite a federal law that said we didn’t have to arbitrate because we had a government backed mortgage, HBW kept trying to get us to arbitrate our dispute with the builder, with an arbitration company they mandated. If you have FHA or VA financing your lawyer needs to make use of this federal law, Title 24 of the Code of Federal Regulations, Section 203.204(g). It says “judicial resolution” has to be an option along with arbitration. I believe it also says that for FHA and VA buyers arbitration has to be at no cost to the homeowner so if you get sucked into it and it’s too late to get out it at least should not cost you extra to get hosed.

Their arbitration company CAS was owned by a disbarred lawyer. We found out about many problems with their arbitration.

HBW was offering only part of our damages and acceptance of their offer would’ve required we give up claims against the builder for the rest of our damages. This would’ve ruined us financially as the damages were severe, with many serious defects in a brand new house.

The way most if not all these new home warranty policies work is that they protect the builder. They do little for the homeowner unless you have time to learn quite a bit about law, consumer protection, etc. This became a huge time consuming operation for us but we eventually prevailed and settled our case. By avoiding their arbitration process we were ABLE to pursue it. In arbitration we’d have probably lost or had to accept the low ball offer.

I learned a lot about warranty companies from some consumer protection groups, and my own research. First, most are not insurance and therefore are not regulated by the state insurance departments. Warranty companies are actually “Risk Retention Groups,” not insurance. Even their so-called insurance backing, National Home “Insurance” Company, is an RRG.

The contract to buy a warranty policy is between a builder and the warranty company. The homeowner rarely knows what terms these two companies have bound them to until it’s too late, for example the arbitration clause in the warranty that you don’t see or don’t realize what a trap it is, until after you’ve bought the house.

I have since seen court cases that said HBW’s arbitration clause is “unconscionable” and unenforceable, but unfortunately many other court cases said that thought it was unfair it was still enforceable. You can find many of these cases discussed online by Googling this company or its chosen arbitration company, Construction Arbitration Services.

No surprise at all to see so many negative ratings here for HBW and I suspect most similar companies have similar comments/ratings. To top it off, during our dispute, HBW still sent us letters asking us to renew their “coverage!” What a joke. Don’t think you have much protection with a home warranty. They are mostly a marketing tool to sell houses, and their coverage for the homeowner is more of a false sense of security.






Vacuum Cleaners
A close aide who can effortlessly assist your cleaning, mopping, sweeping and other allied activities is the mighty and powerful vacuum cleaner. In the era of ever increasing pollution and grime levels, an automatic cleaner can be your friend in keeping homes and equipments clean and thus your loved ones, hale and hearty.

Types of Vacuum Cleaners

There is an assortment of models available in the marketplace. Ask yourself a few questions before making a pick!

  •  Do you intend to replace conventional methods of cleaning with the appliance?
  •  Would you be at ease using huge machines? Or, if you need a compact machine?
  •  Do you or your family/community members have allergy?
  •  Should you be looking for an easy to maintain appliance or one with elaborate features?

Depending on your requirements, you may choose from the following types.

  •   Upright Vacuums – Upright vacuums usually have larger vacuum cleaner bags/containers than canister vacuums so changing/emptying these is less frequent.
  •   Canister Vacuums – Many manufacturers make both upright and canister models (not to mention a host of other specialized vacuums). Historically canister vacuums have been better than uprights on hard floor surfaces and less effective on carpet.
  •   Steam/Carpet Cleaners – These look like an upright and use steam and detergent to clean carpets. They also have water tanks to hold the clean water and dirty water. These use rotating heads that “massage” the carpet and then use suction to lift out the dirty solution.
  •   Stick/Broom Vacuums – These are essentially very thin and light upright vacuums and they do not have rollers or beater bars. They are often cordless and bagless (but not always).
  •  Handheld Vacuums – These are usually for small cleanup jobs and are small, handheld, light and mainly cordless. Almost all of these are bagless and use a dirt cup.

Maintenance and Cleaning

Now that we have an insight into the World of Vacuum cleaners, here are a few tips and tricks on maintenance and care of your appliance. Your due diligence is very important in enhancing longevity and durability of the product. The primary detachable parts in a standard vacuum cleaner would be the wires, bags, filters, brushes, canisters etc.

Now, let us go through each of these vital components to understand the preservation techniques.

Wires

Vacuum machines come with a drawn out chord to help you clean around with ease. This may be a pain every so often with the tangling and unwinding task which can be behemoth at times. Leaving it the way it is may result in cracking or splitting of the chord exposing you to the risk of electrocution.

Quick fix

Make sure that there are no tangles or loops and if you sight any, unwind it straight away to avoid any further disorder. Cracks or openings in the wire cover should be wrapped with insulation or duct tape to steer clear of further deterioration. And if you see any copper strands exposed, it may need replacement or repair.

Bags

The storehouse of all the dust and debris, bags are a vital element of the cleaner. Monitor the bag regularly to make sure that the debris is not at the brim. There are various theories on ‘when to’ replace. In most cases, a 2/3 fill is a signal for replacing the bag. Allowing the bag to nearly exhaust its capacity may result in reduced suction or motor performance.

Filters

Depending on the model and make, cleaners may come with a HEPA or non – HEPA filters with sponge components attached.
Periodically, filters need cleaning too! Read instruction manual (that comes with the product) to find directions on cleaning filters. Not all HEPA filters can be cleaned, some need replacement. Washable filters and sponges can be cleaned using mild detergent and water. Use a soft brush to an extent to remove the dirt (if required). The filters need to be dehydrated completely before re-installation.

Brushes

Roller bars or simply brush rollers need attention as well. All those strands of hair, carpet threads and pet mane tend to get lost in the bristles of the brush. Read the instruction manual on “how to” unfasten the brush. Once out, pull & pluck all the foreign particles.
If need be, use a blunt apparatus like a scissor to get rid of the adamant dirt. After prolonged use the bristles wear out and may need a replacement.

Canisters

The trash bin looking, see-through component needs intermittent cleaning. Canisters come with  a few internal sub apparatus.

Key observations and meticulous care will help you to safeguard your vacuum cleaner for years. Since Vacuum cleaners are generally not covered in a home warranty plan, this article might come in handy. Here is a list of appliances which are covered.

But there is an epoch when your machine would break down and manufacturer’s warranty has expired!  The dilemma continues when your neighborhood service guy quotes a bomb for service or parts replacement can be a catch 22 situation! You will be further annoyed if the machine needs to be transported to a distant location for servicing!

On homewarrantyreviews.com, get quotations from various home warranty companies, compare them and even interact with company representatives. You can also find elaborate reviews, feedback and informative articles.
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Hassle
It’s not just about warranty but a hassle free life!




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

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

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

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

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

How does a home protection plan work?

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

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

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

Before deciding on home warranty plans and policies:

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

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

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

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

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

 




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

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

Coverage

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

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

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

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

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

Making a claim

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

Things to keep in mind

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

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

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

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

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

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

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

Difference between Home Warranty and Builder’s Warranty

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

Builder’s Warranty

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

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




Gardening tips for BeginnersGardening is a pleasurable activity! Starting a new garden is truly thrilling but before you go for it, first decide where the garden should be and what you want to grow. Setting up ahead for your garden is very important as it will save time and money.

The price of everything is going up these days and you are likely for some ways to save money. A vegetable garden is a great start in doing that. A United States Department of Agriculture (USDA) study recommends that one tomato seed can grow as much as $50 worth of tomatoes!

Planning Your New Garden

plan a garden designIf your path of option to savings is a vegetable garden and you are new to gardening or have little experience, then you have come to the correct place. When you are just getting started, gardening can be scary. How do you even know where to start? Here are some basic tips that can make vegetable gardening more fun, more productive and certainly help you produce fresh veggies, fruits and herbs.

If you are all set to think about a vegetable garden, keep in mind this—it’s better to be proud of a small garden than to be bothered by a big one!

One of the frequent errors for beginners is planting too much too soon and way more than anybody could eat or want. Unless you want to have zucchini taking up residence in your attic, plan carefully. Start small. To know more about this check out Home And Garden guide.

Questions to think when planning your garden

  1. What are your needs for your home? Is your goal growing herb, chooks, fruit trees, a kitchen garden, a flower garden, a meditation or relaxation place or a kid’s place area?
  2. How many hours every week could you expend on your garden? It’s a good idea to create a garden that can be looked after in your available time.
  3. Do you know where there’s sunlight in the garden? Try to get about 6 hours of sunlight each day.
  4. Where’s the water tap positioned? Ensure it is close to your garden to make it easy to access water.
  5. If you are growing a kitchen, what fresh foods do you like? It is always a good idea to make a list.

The answers to these queries will help you with your garden planning and it’s important to know these things before you start digging in.

What to Consider as You Grow

  • Dream BIG! Take in everything that your family would like to have and mark it on your plan.
  • Start small and work in a way that you can, keeping in mind how many hours can be devoted to your garden.
  • Always reflect on the environment and make sustainable choices. Lessen the use of chemicals and non-organic fertilizers. Attempt growing organically—it’s the best for you and Mother Earth.
  • Set sensible goals. Once you have simple plan of how your garden would be and what you’d love to grow, you can begin creating your beautiful garden. That’s when the fun begins!

Gardening Ideas for Beginners

Beginning gardeners can take the chance to learn about gardening and different plants to raise. When you get pleasure from your first harvest, you will feel a sense of delight knowing that the plants you lovingly cared for produced so well. Whether you pick flower gardening or a vegetable garden, you can perfect your gardening methods year after year and get even better outcomes.

1. Learn About Plant Types

Identify the plant typeIdentify which types of plants do well in your area. Planting perennials and annuals in the same garden generate flowers during most of the year. To learn about the plants that will flourish in your area, visit local nurseries and home-improvement stores that sell them. Many of them have gardeners to assist you make the right alternatives.

2. Gardening Tools

The best tool a beginner gardener can purchase is a pair of garden gloves. This will protect your hands with painful blisters caused from the friction of the garden tool handles against your skin. Other tools you will require are a rake, hoe, shovel, hose, clippers and sprinkler. In case you are planning to have a large garden, think about a tiller or a tractor. If you don’t want to procure one, rent one or hire someone to cultivate your garden.

3. Plan Your Garden

Sketch your garden before trying to actually start it. An experienced gardener or your local nursery can help you, or do study online to help you get started. Knowing which plants or flowers attract butterflies and bees may be useful. Keep in mind that tall plants block the sun from smaller plants until they are tactically placed. Inquire about beneficial insects and herbs as a means of pest control in the garden. Know which area of your property is best suited for the types of plants you want.

4. PreparationPreparing soil

Careful preparation of soil is essential for a healthy garden. Take out all rocks from the area with a rake, and decide which nutrients are needed. Prior to planting, remove weeds and grass and fertilize with chemical fertilizer or manure. Have pine straw, wood chips or hay bales ready for mulching. Once you have ended preparing the soil, it’s planting time.

5. Planting

Don’t jump in too fast; begin with a few varieties of vegetables or flowers. Pick healthy looking plants with no traces of disease. The plants will be labeled with directions regarding water & light requirements, planting depth—follow the instructions closely. Don’t plant ahead of time in the spring to lessen the chances of losing your garden to snow or frost. Consider the size requirements of your plants.

6. WateringGarden watering

Water your garden properly. Normally, you must water the plants daily the first week, every other day for the second week, and at least once a week after that, enabling a strong toot system to be established. Be cautious not to over water.

Lastly, begin small start with plants that are easy to grow. This way you will avoid situations where the joy of your new hobby is substituted by frustration. Most prominently, relax! There will be successes and failures, but half the fun of gardening is learning as you grow!




The thing is, we at HomeWarrantyReviews.com are so delighted for your continued support in providing useful reviews of the home warranties, along with using our outstanding free get quote tool for comparing various companies and its policies. We bet that the insights gained will continue to grow and remain invaluable, like always.

Home is where the heart is – everybody needs to delve deeper into their comfort zones. What’s going to aide us in this constant search? Technology. slowly, but surely technology is going to overhaul your way of life. You have to wait, til the cows come back home, ain’t it?

Modern Technologies To Homeowners

Trimming The Clutter Down

It takes constant effort and dedication to keep a home well-managed. (How else could you create that suave impression on your visitors?) You can run through our Ultimate Home Cleaning Hacks for some much needed inspiration. Keeping your home organized in easy steps is also a saver!

Get this into your head, make a habit out of each and every individual of your family. See to it that these handy tips are followed regularly and you’ll thank us later. It’ll be such an invigorating experience for sure.

Making Edges Way Smoother

The information seen here is the impending future, hopefully being materialized at a local store near you, within a couple of years.

Let’s see them all one-by-one over the next couple of engaging minutes-

Solar Paint

Imagine the paint on a car self-powering a battery, how cool is that for the automotive industry? Paints on a sidewall of a home silently swindling energy to power lights on your front door, you read it right!

Using thin solar films loaded with minuscule photo-voltaic cells, these solar paints can be sprayed to achieve a superior finish. Look how this mind boggling technology is generating power and maintaining the beautiful aesthetics of a home too!

With due technological advancements, the solar paint is able to generate around 8.1% to 10% of solar energy whereas the traditional solar panel harnesses around 18% to 20% of sunlight into useful solar energy. Isn’t this revolutionizing our current trend? Wouldn’t you love to be a part of this remarkable move?

Solar Transparent Panel

Yet another technological breakthrough was seen in the form of completely transparent solar panels. When a normal window pane back home could potentially generate solar energy, undoubtedly skyscrapers can act as a potential source to harness unlimited power of the sun. Further, cities can work on a more self-sustaining energy consumption model. Even our mobile phone screens can be equipped with these transparent panels and according to researchers, these transparent solar panels can reach 50% more efficiency than the traditional solar panels being widely used world-over. Imagine the energy boost you’ll all get and how economically beneficial it can get in the long run! Not to forget the clutter you’d get rid off your rooftops. Ain’t that a charm for any homeowner?

Smart Homes Using Internet-of-Things

This is a huge and promising topic having the most applications under one umbrella. These technological features can relatively be convenient for any homeowner to access and this category gives the kind of satisfaction of comfort, at a deeper level.

Being able to take precautions with the help of a Weather Detection System, you could easily minimize the wrath of nature’s fury. (Probably it’s a good idea for homeowners down south to know which are the best home warranty companies in Florida, for it witnesses the most hurricanes in a calendar year!)

Next comes the state of the art home security systems which manages alarms for break-in, informing the police department to take immediate action at your location. Active surveillance cameras sense body motions and send movement alerts across your smartphones. Smart locks reading your fingerprints can trigger actions which either lock or unlock your front door. Lights can be turned on and off from a remote location, portraying the perspective that the home is not left unattended, even though you’re enjoying a holiday overseas.

The modern kitchen these days are a heaven, since the advent of the IoT, your appliances are more versatile, the age old plain looking front of the refrigerator can now smartly connect online and play your favorite show right on the refrigerator door itself. Yes, imagination can run high and you could potentially see appliances doing more than what they were originally meant to do.

Not only that, the lighting in the living space can be dimmed, music can be played with a flick of the wrist, and the heating and cooling systems can be activated just by the mere presence of a person. Moreover, even the water in your bathtub could be set to a temperature you fancy with nothing but hand gestures. And Light Fidelity (Li-Fi) is going to redefine the meaning of super-fast, crossing a whopping 200 gigs per second!

Conclusion

Imagine how wonderful self cleaning clothes sound, just run it with plain potable water! Visualize your home looking new and fresh every time a rain showers down at your place. Exciting, isn’t it! From rooftop tiles, paints on the walls and to the clothes you wear, newer disruptive technologies are making a significant impact and bringing in more types of appliances to the local store near you. And in due course of time, all appliances fail under certain circumstances. Hence, it’s always a good idea to cover for unexpected costs due to failure. So here’s a fair idea on how much you can annually save from a home warranty and as the technological barriers are brought down and implemented on a large scale, so does the price of the product becomes affordable. Since savings is a word not to be ignored in this fragile economic condition, we strongly advise you to protect your budget with home warranties. Hope for the best and prepare for the worst, eh Cap’n?




A home is a dream that takes a lifetime to realize; and so does the investment. After putting in all of your hard-earned money in buying a place that’s a representation of your dream home, there is nothing that makes you happier as you wish to live a fairy-tale, thereafter. Buying a home is everyone’s dream but keeping a check on maintenance cost can be challenging. After investing a fortune into your new house and all the modern amenities, it can be difficult to pay for the regular maintenance cost which appears to be a part of routine expenses.

But with regular breakdowns haunting you even after purchasing the best-quality appliances available in the market, it can be challenging to pay for repair cost; especially when it sums up to be a bigger sum. In such a situation, you need to figure out ways to minimize these unavoidable expenses, without compromising on the living quality.

Apart from opting for quality appliances to avoid regular breakdowns, there are several other measures that can be followed to minimize home maintenance costs:

1. Home Warranty Plans

Top 10 Home Warranty Companies

Maintenance costs and efforts can be controlled considerably if a home-warranty plan is insured. Despite a weak image in the market, if a suitable home warranty plan is opted for, from a trusted company, it can help bring costs down by a huge margin.

It is also known that there are several types of home warranty plans available and can be chosen from depending upon your requirement and budget. If you have just moved into a new place, you can opt for a cheaper plan and if your appliances are comparatively old, you can opt for a plan that provides better coverage.

Another thing to be ensured before choosing a home warranty plan is to be sure of the terms & conditions, and the appliances covered under the same. Some plan also offer replacement of equipment and the same can opt for if need be.

2. Regular Cleaning

regular-cleaning-habits

Staying in a clean environment increases your age, productivity and makes you feel happy. Similarly, keeping your appliances clean, and making sure that they are functional on a regular basis is helpful in avoiding any major breakdown. It is suggested to make these cleaning procedures a part of your routine, to increase the life of your home appliances.

The dirt can settle into these appliances and block the pipes, thus resulting in malfunctioning. Also, excessive dirt can result in a breakdown. Thus, it is advisable to keep your home and appliances clean and cut down on maintenance cost effectively.

3. Don’t Wait For A Bigger Breakdown 

Washing-machine

There are times when we are too tired or busy to fix a minor fault. But avoid using faulty equipment and get them repaired as soon as a problem occurs. This will not only prevent any bigger breakdown but also save you a lot of money by minimizing the need to replace the equipment.

It is also suggested that one should get the equipment checked by a professional on a routine basis to determine any fault present. This may look like a lot of effort but can save you from a bigger expenditure.

4. Don’t Compromise On Quality

Quality-check

We all have been in a situation when we try to save money by compromising on quality. This can land us in a worse situation! Buying user-trusted products can save us from a lot of future time and money investment. However, buying cheap quality products to save some money while setting up your new home should be avoided. This may demand a major investment in future in terms of repairing, or even replacement.

5. Over-using Of Appliances

over-using

Replacement or repair facilities can be utilized only if the equipment is being used as per the given instructions. Therefore, the equipment should not be over-used and the given instructions should be followed. This way the appliances will be functional for a longer period of time and you will save on maintenance costs. This does not require much effort but results in wonderful benefits.

Thus, you can save on maintenance costs through multiple ways just by being a little vigilant and also by using our free tool which calculates the home maintenance costs based on several factors like age of your home, the age of the appliances & so on. Also, schemes like home warranty plans can be availed to further reduce the maintenance costs by paying a smaller annual sum rather than a hefty one by intelligently buying home warranty plans by going through our resources. Also, do get your equipment checked periodically and you can choose from different home warranty plans as per your requirement. Another important thing to be remembered is that maintenance is an integral and crucial expenditure element that cannot be eliminated. So, follow these tips and maximize your savings!




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

Insure a Building

Buildings and risk management

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

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

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

Building insurance basics

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

The shopping around needs to include:

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

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




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

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

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

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

1. Appliance is not covered

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

Home Warranty Claim Denials2. Appliance is not maintained properly

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

3. The damage is pre-existing

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

4. Unusual wear and tear

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

5. Code Violations and improper installation

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

What should a customer do when claims are denied?

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

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

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




  1. What is home warranty?
  2. How does a home warranty work?
  3. What are the major appliances covered in home warranty?
  4. What is not covered in home warranty plan?
  5. What is Optional Coverage?
  6. How much does a home warranty cost?
  7. Who pays for home warranty coverage?
  8. When does coverage begin?
  9. What are deductibles or  service call fees?
  10. What Can Cause Denial of claims?
  11. What is home inspection?
  12. How do I request for warranty service?
  13. What if you have an emergency over the weekend when the service is not available?
  14. How long does it usually take to provide service, once it is requested?
  15. What is the replacement policy?
  16. How is a home warranty different from a manufacturer’s warranty that is available with most appliance purchases?
  17. What is home buyer’s protection?
  18. How does a Home warranty plan work?
  19. Can I renew my home warranty plan?
  20. Is the value of Home Warranty worth the cost?
  21. I have homeowner’s insurance, then why do I need a home warranty?

Frequently Asked Questions about Home Warranty:
1. What is home warranty?
Top

Home warranty or appliance protection plan is a service agreement that  covers your household appliances and systems during breakdowns thereby protecting your budget. When an insured device malfunctions it is either repaired or replaced. There are various types of Home Protection plans available in the market today.

2. How does a home warranty work?Top

In case of an unexpected appliance/ system breakdown, you can open a claim by calling the customer support or reporting it online, following which the home warranty company sends a technician to fix the issue. Most companies have round clock customer service facility to process claims. Once the report is processed, contractor assistance will be scheduled as per your convenience.

3. What are the major appliances covered in home warranty?Top

Most basic plans cover major appliances and systems like heating, air conditioning, plumbing systems, electrical appliances, kitchen and laundry appliances or any other key units. For a detailed list, refer to What is covered by home warranty.

Some Standard coverage may also include appliances like-

Plumbing stoppages, toilets, sump pump, bathroom whirlpool motor pump, recirculating hot water pump, water heater, heating and duct work, telephone system, central vacuum system, garage door opener, ceiling fans, attic and exhaust fans, smoke detectors, doorbells, dishwasher, range, oven, cooktops, built-in microwave, instant hot water dispenser and trash compactor.

4. What is not covered in home warranty plan?Top

Warranty covers only those systems and appliances, specifically mentioned as covered in the contract and excludes all the others. The contract does not cover system or appliance failures that occur due to lack of maintenance, natural hazards, theft or other crimes.

5. What is Optional Coverage?Top

Additional or optional coverage is the extra coverage you buy from a list of add-on items such as kitchen appliances like refrigerator, oven, washer/dryer, air conditioning, pool and spa equipment. Roof leak repairs are also available for purchase at an additional fee at the time of signing a contract.

6. How much does a home warranty cost?Top

Typical home warranty expenses are as follows:

Annual premium, which would be around $300 to $500 for basic appliance coverage and a service call fee per incident, which comes to around $40 to $70. This fee varies from company to company.

7. Who pays for home warranty coverage?Top

It depends. Generally the buyer pays the cost of a home warranty policy. However, the seller may buy a policy for the buyer to avoid certain liabilities that may occur after the closing a deal. You can also buy a policy on existing homes.

8. When does coverage begin?Top

For sellers: Usually the coverage varies from company to company . Coverage begins when the enrollment form is received and continues through the listing agreement period.

For buyers: Coverage begins at closing (when title is transferred and payment is received).

For Existing Homeowners: Generally coverage is effective 30 days after receipt of funds. Check with the contract guidelines to confirm on the duration.

9. What are deductibles or  service call fees?Top

A standard service fee/deductible is a nominal fee charged each time you raise an issue. Some repairs may require more than one service partner or several unrelated visits to the house by the same service partner, and a service call fee is charged for each visit. If a contractor has to order parts and come back to your house at a later time to complete the repairs, this visit would not require an additional deductible. Fee varies from company to company, but it is generally between $40 to $100 per incident. Some companies have zero deductible home warranties

10. What Can Cause Denial of claims?Top

Denial of claims may be caused due to code violations, unusual wear and tear, improper installation, pre – existing conditions and in some cases issues due to improper maintenance. Some companies however, do cover damages resulting from lack of maintenance. For further details, refer to your warranty contract.

11. What is home inspection?Top

A home inspection is a procedure in which a home inspector investigates the comprehensive information about property conditions. He/she analyzes the description of problem in a written report and recommends further evaluation if required. Normally every Inspection report is guaranteed for 30 days.

12. How do I request for warranty service?Top

You must have received your Home Protection Kit after having purchased warranty coverage within which you will be able to find all the information and materials you need on  the service contract. You have several options, you can locate the toll free numbers of the service providers and place a call to them.  Your call should be immediately answered by a customer service representative who will expedite your request. Most companies have a customer service wing that functions round the clock.

13. What if you have an emergency over the weekend when the service is not available?Top

Most warranties come with an emergency repair service option. You may simply contact customer service toll free number and report the problem. Normally customer support works for 24 hours a day, 7 days a week and 365 days a year. They will schedule the dispatch of a qualified service technician as early as possible. Following which, the technician can rectify and sort the issue.

14. How long does it usually take to provide service, once it is requested?Top

It usually takes 48 hours, following the acceptance of your claim, to provide you with a service call. In case of an emergency, the service time may be much quicker.

15. What is the replacement policy?Top

If the damaged item is covered under the policy, the technician will normally fix it on the spot. Warranty Company may provide the cash payment on repair or replacement. If it is diagnosed that the covered item is not repairable, or it is not cost effective to repair, the appliance may be replaced with a new product with the similar primary functionality and capacity. But the company may not be able to provide exact match in color, dye, material, type or brand.

16. How is a home warranty different from a manufacturer’s warranty that is available with most appliance purchases?Top

Manufacturer’s Warranty is designed to cover factory defects of a new product.  It is of  limited duration, normally for a period of up to one year and covers only ONE appliance. But home warranty covers a whole range of appliances which are usually aged and stand higher chances of breakdowns.

17. What is home buyer’s protection?Top

A home buyer’s protection plan is a service contract that covers repairs and replacements of  insured appliances and systems like electrical, plumbing and heating systems and built-in appliances that are not covered by regular homeowner’s insurance.

Home warranty coverage varies from company to company. It is very essential that you read the terms and conditions of the policy before choosing one that is suitable for your requirements. Most of the standard policies cover plumbing and heating appliances, but if the cooling units are not covered under the basic plan you can still include it by paying an additional fee, into your policy.

18. How does a Home warranty plan work?Top

Though there are different plans available in the different warranty companies, most plans function in the same way.

Step 1- In case any of your systems/ appliances stop working, you need to call your home warranty company and inform them about the fault.

Step 2- Home Warranty company contacts a service provider with whom they have contracted.

Step 3- Now, the service provider calls you (home owner) to fix an appointment.

Step 4- Issue will be fixed by the technician who visits your house. In some rare cases if the appliance could not be repaired and needs to be replaced, based on the conditions mentioned in the contract, home warranty company will pay for the replacement of the appliance.

Step 5- As a small out pocket expense, you may need to pay for each service request. You may have to pay a Trade Service Call Fee of around $50 per visit. Some companies offer plans that do not charge any service call fee.

19. Can I renew my home warranty plan?Top

Usually the home warranty coverage plan begins 30 days after the payment receipt or on the day the sale closes. The coverage plan generally covers the appliances for 365 days from the date the policy is active.

When your original home warranty expires, you have the choice of renewing your existing warranty. Before deciding on extension of home warranty duration, it is essential to know whether the existing warranty is really beneficial or not.

Home Warranty Company will send the notification to the warranty holder regarding the renewal of coverage. The homeowners will be notified about the expiration date in advance and will be provided with a variety of convenient payment options.

20. Is the value of Home Warranty worth the cost?Top

If your home is newly constructed, then you may think that home warranty is not essential for first few years. But it is wise to have a warranty protection plan to protect you from costly repairs and replacements.

A standard policy usually costs around $200-$600 per year, which is reasonable and can certainly save you from spending money on repairs or replacements. However, remember that you cannot get extended warranties on plumbing, duct work, electrical or gas systems.

21. I have homeowner’s insurance, then why do I need a home warranty?Top

Homeowner’s insurance protects personal belongings and the entire house from damages due to burglary, crimes or natural disasters such as fire, lightning, tree fall  and certain other explicitly mentioned perils, but it does not cover issues caused due to wear and tear or age. Hence homeowner’s insurance can never be used to replace a home warranty or vice versa.

Home warranty plans cover your household appliances and systems from breakdowns and puts less risk on your budget. When an insured device malfunctions, it is either repaired or replaced by the warranty company. Basic home warranty plan covers major appliances like heating, air conditioning, plumbing systems, electrical appliances, kitchen and laundry appliances or any other expensive units.

Your homeowner’s insurance is a hazard insurance, and only covers items damaged due to fire, flooding, wind, and other natural disasters and perils. A home warranty repairs household appliances and mechanical systems that break down due to normal wear and tear.

 




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

Insurance Landlord needs

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

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

Essential Insurance for Landlords

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

Get a Home Warranty

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

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

Landlord House Insurance

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

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

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

Landlords Contents Insurance

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

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

Umbrella Insurance Policy

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

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

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

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

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

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




Buyers Protection Group, Inc. an Atlanta-based real estate services firm, has completed its acquisition of home warranty and home inspection services business from from LandAmerica Financial Group, Inc. LandAmerica provided home warranty services in 30 states and recently filed for bankruptcy in November 2008, primarily due to problems in its title insurance and 1031 Exchange businesses.

Buyers Protection Group

Alpharetta, Ga.-based BPG said the deals give it home warranty operations in 30 states and home inspection services in 14 states. BPG will now have dual operations centers in Alpharetta and Burbank, Calif. The company has 280 employees and is expanding its sales force and adding home inspection professionals.

“Despite the financial struggles with LandAmerica and severe decline in the housing industry, the home warranty and inspection subsidiaries remained profitable,” said BPG President and CEO, Revell Fraser, in a statement. “We were doing well in a very difficult environment and our employees remained committed to the business, so it was a natural decision to pursue buying the companies.”

LandAmerica Home Warranty Company, founded in 1987, provides one-year home warranties with significant concentrations in AZ, CA, and TX. LandAmerica home warranty began investing in the home inspection business in 2001, and is now the nation’s largest employee-based residential and commercial inspection company.

BPG partnered with The Stephens Group, a family-owned investment firm, on the transaction. The Company was advised by Croft & Bender LLC and Miller & Martin PLLC.




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

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

Zero Deductible

Home Warranty Plans with No Service Call Fee

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

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

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

What is a deductible?

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

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

What is a premium?

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

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

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




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

Fake Reviews

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

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

Penalizing Companies Posting Fake Reviews

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

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




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

Insurances

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

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

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

Life Insurance

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

Benefits of a Life insurance

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

Health Insurance

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

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

Auto Insurance

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

Benefits of Auto- insurance

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

Home Warranty

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

Benefits of home warranty

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

Home Insurance

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

Benefits of home insurance

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

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

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

Click here to check for Home Insurance and warranty companies.

Future is unpredictable yet securable therefore get insured stay assured.




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

How Does a Home Warranty Work

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Now, back to the story.

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

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

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

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

The end




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

Qualities Of A Good Real Estate Agent

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

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

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

Analyzing Your Real Estate Agent

 Real Estate Agent

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

1. He/She is a part-time agent

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

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

2. Charges very low commission

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

3. Lack of or difficulty in communication

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

4. No, or negligible experience

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

5. No online presence

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

The Final Word  

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

Hope you enjoyed reading this. Cheers!

 




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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

Home Warranty Companies

Oregon’s Best Home Warranty Companies

 

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

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

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

1. American Home Shield

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

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

2. The Home Service Club

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

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

3. Select Home Warranty

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

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

4. Landmark Home Warranty

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

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

5. HSA Home Warranty

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

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

The Final Word

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