Five Insurances One Must Have

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.






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.




Home protection plans, commonly known as a Home Warranty or appliance protection plan is a service contract that agrees to offer discounted repairs and replacements of your household appliances. It means that if any of your covered appliances breaks, the home warranty company shall provide you with a qualified technician who will repair your device and cover the cost of repair as well.

Home Protection Plans

Ideally, appliance protection plans are best suited for people who have appliances that are fairly used and above 4 years in age, as this is the time where most of the functional issues arise. It is highly recommended that you purchase a home service contract if any of the following are or all are true.

  • Your appliances are over 4 years
  • You don’t have a trusted service vendor
  • You don’t have time for DIY repairs
  • You are a first time homeowner
  • You can’t afford frequent repairs and replacements

If you were to ask if these plans are worth the money, then we would have to admit that there is no straightforward answer to that. There are quite a lot of happy customers out there who swear that purchasing home warranty was the best decision they ever made and yet there are people who think otherwise. It is up to you to decide if you will benefit from a home protection plan.  If you are in need of more guidance, please read the Home warranty buyer’s guide.

This is how a home warranty works

You purchase the appliance protection plan from a home warranty company for a certain amount of coverage. This coverage could be vast and cover almost all the outside and inside appliances or it could be the basic version. If a device covered by the plan fails to operate properly, you simply place a call to your home service contract provider. They will then call up a service vendor with who they have contracted and tell them about your issue. Service vendor then collects your contact information and contacts you to fix an appointment.

He/she then comes to your home to take a look at the damaged gadget. If the repairs needed are minor, they will oftentimes be fixed on the spot. Major repairs and part replacements need approval from the home warranty company. If parts are to be replaced, the home warranty company shall procure them for you and get the appliance fixed. Sometimes, if the technician determines that the device can’t be repaired, depending on your coverage, the home warranty company may replace your device.

Hence, one can say that the benefits of Home warranty are the following:

  • Discounted repairs and replacements of household appliances
  • Qualified and experienced technicians at your doorstep
  • Protection of your budget against expensive repairs
  • Peace of mind
  • Covers all major appliances and systems.
  • Additional coverage can always be purchased
  • Affordable
  • Covers damages resulting from wear and tear

As mentioned before, there still exists a school of thought that home warranty plans are not worth the money. Hence, we must discuss the drawbacks of these plans.

  • Not free of cost. In addition to the annual premium that ranges anywhere between $250 to $1000, you will have to pay a service call fee each time you raise an issue. The amount is typically nominal, around $50
  • Home warranty companies will almost always try to repair and not replace the damaged gadget.
  • Some may feel that there is no flexibility. You usually cannot select a service vendor of your choice and sometimes conflicts may arise on the diagnosis provided by the vendor.
  • Claims can be denied on vague grounds or by stating fine print from the contract.
  • Pre-existing conditions quite often are not covered

Because of these reasons, we suggest that folks who fall under the following categories, don’t purchase a home warranty. This is only a suggestion, if you believe that you shall benefit from a home warranty plan, you should go ahead with it.

  • Your appliances are fairly new and are still covered by the manufacturer’s warranty.
  • You have a trusted repair vendor.
  • You have time and skill for DIY repairs
  • You have money for frequent repairs

You can consider an extended warranty to protect your new devices. You can read about the differences between home warranty and extended warranty to clear your doubts.

If your devices are new, chances are low that they may need repairs often. Also if they are still covered by the manufacturer’s warranty, any damage will be covered by them, provided it is not an excluded case. And all of this is unnecessary if you are a repair vendor yourself!

The bottom-line

Home warranties can be a great way to protect your budget and your appliances. As mentioned before, if you fall into the former category where your devices are old and so on, we highly recommend that you purchase a home warranty. Otherwise, you can do without one.

A lot of unpleasant instances occur due to lack of understanding of the working of the plan. Hence, we urge you to read the policy booklet and the offer document carefully before you make a commitment. These documents are highly significant and have to be studied and preserved carefully.  If you are certain that you want to purchase appliance warranty, please go through our reviews section to choose the best provider out there. Good luck!




When it comes to appliance warranty protection plans, the choices are plenty. Should you buy a comprehensive home warranty or extended warranty at the point of sale? While home warranty is like an umbrella insurance that covers all major home appliances, extended warranty is purchased for each appliance separately.

extended warranty

Home warranties will charge annual premium and deductibles per repair incident but they can be purchased anytime during the life-cycle of the product. Extended warranties will charge up front fees, but no deductible per incident and these protection plans are generally sold during the initial stages of product’s use, although there are exceptions.

Generally, home warranties cover all used appliances, but extended warranties cover new items only. Recently, Warranty Week ran an article that questioned whether there is an overlap between the two. They interviewed several executives from home warranty and extended warranty companies. The general consensus appears to be that, there is some overlap, however two types of warranties serve different purposes.

Mike Frosch, president of The Warranty Group, North America, said “Home warranties are great, when you’re buying or selling a house and want to cover used appliances immediately. Service contracts are great, when you’re shopping for new appliances and want to extend the manufacturer’s warranty for additional years. So in a sense, the coverage may overlap, but the offers don’t really compete. When you buy a home warranty, for the sake of argument let’s say it’s $450. It’s a one-year coverage on used equipment. It’s providing some coverage on some amount of appliances, but it’s really about heating, air conditioning, plumbing and electric”

In our view, they do overlap if you are talking about big ticket appliances, but there is no need to buy both. If you are buying a new appliance, chances of it failing in the first 3-5 years is far less assuming you have researched the product before buying. So, there is no real need for extended warranties.

However, if homeowners still want peace of mind coverage, then they should simply go with home warranty as it covers all appliances in your home not just one specific product. The home warranty costs are higher than the extended warranty, however it covers far more items and you have a single point of contact for all repair needs.

Extended warranty companies argue that they provide better service and offer more economic protection plans. The argument is compelling on the surface, but keep in mind home warranties are useful where there is frequent need for repair such as old appliances.

We wonder what would be the service level if extended warranty companies offer maintenance service of 10-15 years old appliances such as heaters and air conditioners. The repair needs are much higher and their profit margins are much lower. Generally extended warranties are bought for new electronics items and repair incidents are much lower. For this reason, we think it is a wise decision not to buy extended warranty at point of purchase.




Getting and staying organized is a bit of a challenge for many of us. This challenge often feels impossible to meet, resulting in the individual getting trapped in an overwhelmed mode. It is probable, however to overcome the overwhelmed feeling and efficiently get your home arranged by breaking the task into smaller steps and following an organized approach to achieve each step.

Get Your Home Arranged

Reasons for getting Organized

After a tiring day at work, you require to get to place where you could take enough rest and relax for recharging your energy. No other place can be more appropriate to do that, than your own home. But, first and foremost, you need to get your home organized to make it your favorite place for relaxation.

Your house is not just a place where you take your sleep, stock up your belongings and nurture your body with food and other basic requirements. But, your home is your sanctuary for the reason that whatever happens through the day, you would always go to the place where you could ease your victories and judge your failures.

Those are the reasons why organizing your home should be a main concern if you want to keep its comfort. Since you are too busy at work and usual activities, you would find it a major challenge to get your home organized. Generally, people complain that it is hard to organize the home as there are just too many stuff that are stored in. They are too busy to fix the mess and clean the dirt regularly.

That is why the ability to get your home planned is a must for you and for everyone. Once you gain knowledge of how to get your home organized, you would surely realize that it is not a hard task. Moreover, you would surely develop the practice of being responsible and reliable in keeping your place as pleasant as possible.

Get Your Home Arranged in 7 Simple Steps

After implementing the following organizing tips, you’ll speculate how you or anyone else manages without being organized.

  1. Schedule time to de-clutter your home and do this regularly.
  2. Place your things in such a manner that there would be sufficient space for free movement within the house.
  3. Keep the orderliness of your cabinets, shoe rack and even your refrigerator. Throw away unwanted stuffs so that they would not pile up and will be trouble-free to get your home organized. If the stuffs have sentimental value, you could just pile them up in the garage or in the storage room.
  4. Keep your house hygienic and clean it regularly. Ensure there is no dust piled up at furniture and appliance surfaces.
  5. Arrange the books in the book shelf and label your compact discs and place them as per their categories.
  6. Use every room as per their proper functions to get your home organized. This would avoid unnecessary mess everywhere inside the house.
  7. Do not file the bills with personal letters and other important documents.

Keep to your goals and get your home organized. You would find that a planned home would surely make you feel good in the future as you would not be messed up inside the premises of your own sanctuary. If you still face difficulty to get your home organized, you need to consult experts.

All the Best with the re-organization!




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

Home Warranty Essential

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

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

What is seller’s home warranty?

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

What covers in the policy?

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

How much does it Cost?

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

Is home warranty buyer’s best bet?

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

Who pays for the home warranty insurance?

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

How does it Work then?

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

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

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

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




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

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

Make a list

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

How to Clean Your House Faster

Start easy

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

Work smarter, not harder

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

Don’t give yourself a headache

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

Be sure to only clean each thing once

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

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

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

About the Author

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




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.




Company: American Home Warranty (AHS)
Reviewed by: Jon, Jacksonville, Florida

As you review the responses contained here remember there are people who have relatively good and bad experiences. No one here should be gripping like our friend from Bowie, MD. Reading your contract, if its like mine is very simple. Getting maintenance if required is a service call to your provider and will cost you no different than a complaint call.

The point here is the point of a contract is to work in good faith. Unfortunately AHS doesn’t work in good faith.

AHS does however work diligently to minimize their costs to increase their profit margin as an INSURANCE company. They are hedging their bet the more difficult it is for you to go through them for repairs the more likely you will be to get a needed repair fixed yourself and forego the hassle of using their CSR’s. This is how any INSURANCE company works.

It is clearly not the fault of a person to believe they have paid for a degree of service as a contract states only to find the fine print states otherwise. This is why we need more fair contract laws. This is not a liberal or conservative point. It is a point that a company needs to be regulated properly and AHS is on a fringe between regulatory agencies. How did our country get in its current financial condition? Poor regulation and advice like that from our friend in MD.

Please use your own best diligence in considering a home warranty (insurance) policy. There are few firms who will do what a homeowner wants, but fewer still who will actually provide quality repair/replacment other than what they can get away with (breaking state and local ordinances on workmanship and unskilled work crews.)

Don’t become a poor service statistic, do your own diligence, call your provider, call back when you get your service call, call the service representative in advance to confirm and describe your service need, call and remind your warranty provider of the service you get and confirm the repair meets your local ordinances (ask an inspector to verify it!).

IF you do these things you’ll at least get complete and sound service. It may be on their schedule, which may not meet your expectation and it may not provide you with the expected solution you want but it will be complete. Miss anyone of these steps and you could find yourself out of pocket for both your warranty fees and additional service fees




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!

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Anybody who has bought a house knows what closing day feels like.  You probably saw the date changed at least once, maybe more than once.  You waited for closing.  The paperwork trail was long.  The bank’s questions had all been answered.  The title had cleared.  Everything was finally in order, and you saw the keys to your new home for the first time.  And the excitement of it all, for many of us, even in memory, is on par with a short list of big life events that we’ll never forget, especially that feeling of being in our own space and to protect our children is something great in itself!

Broken house

But after the newness and excitement are in the past, home-ownership isn’t always the boon of big advantages over renting that we expect.  And these days it’s all too common for buyers of brand new houses to find that the list of half finished, poorly done, and improperly completed work in a new house is long.  If you are one among many homeowners, ones who found their dream home wasn’t such a dream upon closer inspection, then you already know that a home warranty doesn’t necessarily protect you or your finances in the event the builder of your home rushed through the work, committed architectural no-nos, or had teams of employees who failed to communicate well together.

Homeowners who closed on new homes, only to find that the builders had made huge mistakes or deliberately violated building codes, know all too well that many home warranties are only as good as the financial stability of the builders themselves.  And homeowners who attempt to replace a lost builder’s warranty with one offered by aftermarket home warranty providers may find that pre-existing condition clauses free the company from the obligation to pay many claims that are related to the builder’s errors or bad decisions and calls for a better judgement to be made to protect the interests of the end-user.

But isn’t a home warranty supposed to protect home buyers?  Yes, it’s supposed to do that.  But the difference between what is supposed to happen with home warranties issued by builders and what actually happens in many cases these days is as big as the difference between states’ regulations on builders and the enforcement of those regulations.

Printed media have been all over this problem for years now.  There have been dozens of different reports made by reputable newspapers, magazines, websites, industry organizations,  such as The American Institute of Architects, and consumer-facing organizations such as Consumer Reports, each one reinforcing the alarm to consumers that you can’t buy a new house and assume that any problems with it will be remedied by the builder or the home warranty.

What new home buyers and even buyers of existing homes need to understand is that the best protection against huge home repair costs is usually careful scrutiny of the builder.  Since states vary greatly in the way in which they regulate builders and building codes, and since enforcement these days is oftentimes limited by budgetary problems, home buyers should not feel too confident in the long-term structural integrity of a house without doing some serious due diligence.  That includes checking out the builder’s history and financial health, but it also includes putting extra eyes on the construction while it’s in the process.  Home buyers who skip the work involved in ordering inspections of various steps of the construction of their new houses leave themselves open to all kinds of post-closing surprises.  And if the builder files for bankruptcy, as so many have done since the housing market crash of 2007, then the owner of a home that was poorly built may be out of luck, no matter what promises were made in the home warranty. So protect yourselves by conducting a thorough research on the internet and in trusted domains like HomeWarrantyReviews.Com




The Internal Revenue Service (IRS) allows several home related expenses to be deducted from income tax. While most homeowners enjoy tax exemption on expenses like mortgage interest, property taxes etc, some are unaware whether home warranty premiums are allowed deductions.

When some of our readers approached us with this question, we realized that this could be a common question among homeowners across the country. We have tried to address that concern up to the best of our ability and we hope that this article will clear up any confusion you had about such tax deductions.

Home Warranty Premiums Tax Deductible

Tax exemption on home warranty premiums

As you may know, a home warranty is essentially a service contract that agrees to provide you with discounted repair and replacement services. In the United States of America, homeowners unfortunately do not enjoy the benefit of exemption on a home warranty premium you pay for your residence.

However, warranty premiums can be tax deductible if they are on an income producing building. Which means if your house is something like a home office or if it is a house that you have rented out, the premium you pay towards home warranty will be considered as a deductible expense.

A premium paid towards home warranty is considered as a pre-paid maintenance cost of your home and will therefore be non tax deductible. Which means that repairs and replacement costs, no matter how they are covered, will not be a valuable tax deduction.

If you are a tenant in some house that enjoys the protection of a home warranty plan you pay for, you will not be able to claim exemption on its premium. Only the owner will be able to consider premiums as deductible expense.

Will expenses toward repairs not covered by warranty be tax deductible?

Even if you don’t have a home warranty or a home insurance policy, expenses towards repairing and replacing household appliances/ systems will be considered as maintenance costs and hence will not be tax-deductible.

In this case too, if the repair/replacement was needed for an income producing building/home, you may be able to claim an exemption.

Are home insurance premiums tax deductible?

Typically, no. IRS allows homeowners to deduct private mortgage interest from federal taxes. But, homeowner’s insurance premiums shall not receive tax exemption. Same applies to flood or title insurance. This is pretty much the way home warranty premiums work. Unless an income is generated by the building like in the case of rental properties or home office, you are out of luck.

What home expenses are eligible for tax exemption?

IRS allows the following expenses to be considered as tax deductible expenses-

  • Mortgage interest payments
  • Taxes paid towards real estate
  • Payments towards mortgage insurance premiums
  • Uninsured losses due to hazards or crimes

The following are considered as non-exemptible expenses-

  • Homeowners insurance or in general any insurance against hazards
  • Payments towards mortgage principle
  • Home maintenance and related expenses
  • Home improvement expenses

Being on the safer side

We have noticed that it is a common practice to confuse home insurance and home warranty. While homeowner’s Insurance is mandatory for homes with mortgages, a home warranty is usually a choice. Though home warranty premiums may not help you save tax dollars, if your home and its contents are 4+ years old, they are a very wise purchase. Such service contracts provide you with discounted repairs and replacement services if your appliances/systems break down due to normal wear and tear, such damages are typically omitted by homeowner’s insurance. At the end of the day you save more money if you pay premiums for a warranty than if you pay for a repair/replacement job.

If you are worried that a home warranty is going to be expensive, we earnestly encourage you to use our website to get a free quote. You’ll be surprised to find that there are some companies that sell warranty products at compelling prices, some even at zero deductible rates. You can also browse through our site to compare plans and their features. While you are at it, don’t forget to take a look at top ten companies and our annual home warranty award winners!

Our readers are welcome to reach out to us should they have any questions or concerns. We hope that you found this article helpful and informative. Thank you!




The National League of Cities surpassed a considerable milestone in February 2012 with more than 100 cities now taking part in the NLC Service Line Warranty Program. In this program, more than one million households are now entitled to participate. The program is administered by Utility Service Partners, Inc. and offers citizens in participant cities an affordable way to keep away from the unforeseen and large expenditure involved with a line break.

New Sewer Service

If you possess a home in Marshalltown your side drain main-the pipe that joins your home to the city main- is your responsibility. In case something goes wrong, you are responsible for the cost to fix it as your home owner’s insurance does not cover it.

A new program could grant home owners with auxiliary insurance to cover the cost of mending these sewer lines if something goes wrong. During the meeting of the Marshalltown City Council, Oscar Arras of Utility Service Partners Inc. gave a presentation applauding a new warranty program his company is offering. Neither the homeowners insurance companies, nor the home appliance warranties cover these expenses in their basic coverage.

According of Arras, the program moves the burden of coping with sewer main mishaps from the home owner to Utility Partners Inc.

Cities and towns all over the country from Rolfe, Iowa (population 566) to Atlanta, Georgia (population 540,922) are aiding inhabitants who have come across these unexpected repairs. Many citizen are not aware that they are only liable for the utility line that go from their houses to the utility connection. In case these lines break or leak, repairs can be very costly.

Dinald J. Borut, Executive Director of National League of Cities says, “”I am very encouraged by the warm reception this program has quickly received since its introduction 12 months ago,” stated Donald J. Borut, Executive Director, National League of Cities.” He continued, “In these difficult economic times, cities are actively seeking creative ways to assist their residents. This program was designed to help city residents save thousands of dollars on the high cost of repairing broken or leaking water or sewer lines.”

The warranty program offers up to $4,000 in coverage per incidence and costs just under $6 per month. There is no deductible and no limit on the number of repairs and homeowners can get any number of them in a year. In addition, there is no deductible.

As per the City Administrator Randy Wetmore, the city would get 10 percent in royalties from the fees Utility Service Partners Inc. charges. The program would make use of only local contractors and plumbers who will be required to respond to calls received via the company’s 24/7 800 number within an hour.

Wetmore says that one of the biggest benefits is that the program is voluntary and if someone wants to benefit themselves to it then they have it. He adds that the program is not dependant on the number of people making use of the service.

The program also helps with “soft calls” where city workers are send off only to notify the homeowner that the city is not responsible for the issue. Further the program costs nothing put into practice and has no evident downside. Customers are free to pay one of the three ways: online payment, monthly invoices or payment up to a year in advance.

National League of Cities

National League of Cities is devoted to helping city leaders put up better communities. NLC is a source and supporter for 19,000 cities, villages and towns, on behalf of more than 218 million Americans.

NLC Service Line Warranty Program

The NLC Service Line Warranty Program helps city residents in saving thousands of dollars on the high cost of repairing broken or leaking water or sewer lines. Offered at no cost, this program offers participating cities with the whole thing required to bring it to its residents, converse with local media and make known where residents can get information about the program.

About Utility Service Partners

Headquartered in Canonsburg, PA, Utility Service Partners, Inc. (USP) is one of the self-governing providers of service line warranties in North America with a collection of over 375,000 products in the U.S. Ever since its formation in September 2003; USP has opened up partnerships with municipal/city governments and utilities to offer utility line warranties to their clientele.




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.




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.




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




Planning to sell your home and hoping to get top dollar for it? You’ve come to the right place! Selling a home often requires as much thought and consideration as buying one, especially if you are trying to fetch a good price for it. Thankfully, these are a set of pointers you can go through to ensure that you get a good deal. So, sit back, read and get to know how a home can be sold for a great price!

top dollar

Step 1: Research For Top Dollar

Any transaction that involves real estate should be researched well. Selling a home for top dollar is no different. You could begin with finding out what the average market value is for homes in your neighborhood. You could also pick a real estate agent to help you with the sale of property. Real estate agents always stay updated about prices and know the vibe of the crowd.

If you do not want to appoint an agent, you can use the old-school method and gather information from friends and family. You should also do some research on the amenities available in the neighborhood as such matters affect the sales price of your house.

The Internet is also a very good place to begin your research. You can also make use of online portals to list your house. This will give better visibility and might help you get an idea about prices of houses in your neighborhood.

Step 2: Pricing For Top Dollar

Many factors should be considered while pricing your house for sale. Apart from obvious factors like size, amenities, and age of the home, there are factors like facilities in the neighborhood, proximity to schools/hospitals/parks, connectivity, and history of the locality. Again, internet research will help you with this task and probably be worthy of your time for those top dollars of your home. There are online tools which give you an estimate of the sales price of your home after you provide details.

If you have listed your property on an online marketplace, be sure to keep checking in often. Events that happen in your neighborhood like crimes or accidents could adversely affect your listing. Staying updated is key here. Also, unless you fix the right price, a good deal can never happen.

Step 3: Negotiate For Top Dollar

If you have placed an ad for your property in print or online media, there is a good chance that many potential buyers will try to contact you to collect information. These folks are also going to negotiate with you to drop the price. While making a small reduction is fine, dropping the price by a large margin could get the buyer suspicious. He/she will begin to wonder if the house is truly worth top dollars if you drop the price without much fuss. The general trend among sellers is to price the house a little above the market value. That way, even if a buyer makes a request to reduce the price, the deal will still be good.

Like we said before, real estate agents are of huge help when it comes to negotiating. In fact, the entire negotiation can happen with the agent alone leaving you free of the task of having lengthy conversations with the buyer.

Step 4: Add-ons

Everybody loves add-ons, more so when it comes to property. This is a step which is almost guaranteed to increase the selling price of your home. Research has found that a home warranty plan definitely increases the sales price of your house. These plans not only protect your budget, they will also relieve the seller from future disputes. If an appliance in your home fails, the new homeowner will simply contact the warranty provider and not the seller.

You can also put in more shelves or racks to increase storage. Most people are huge fans of ample storage and hence, it could compel people to buy your property. Replacing old appliances will also help sell your home faster.

Step 5: Aesthetics

Nobody wants a house that looks old and spooky. Peeling paint, squeaky doors – in general, anything that looks like the Amityville horror house will be seen as a huge turn-off. It could repel potential buyers. A fresh coat of paint is almost mandatory for the house before it goes on the market. You could also enhance the external appearance of the home by improving the garden (if you have one) or you can add some other landscape detailing. You could also renovate the bathrooms (if they are old) or the kitchen for faster sales. The money you spend on upgrading your home can be reaped back once you sell the property. Trust us, decorating your apartment creatively helps lure in buyers!

Strike A Good Deal For Top Dollar

Unless you use the services of an agent, your home could be in the market for some time. Do not let that prompt you to drop the prices drastically. A good deal will definitely come by. In the meantime, read up on various home maintenance guides to give your home a thorough upkeep. You could also get a home inspection done as a home inspection report is something that potential buyers would want. That’s all! Hope you strike a very good deal!




Just the decision to take the task of building a home into your own hands can be daunting, keep aside the fact that liabilities are now yours alone to deal with. The joy of being there every step of the way and having a say in every brick, beam, and wall comes with a lot of responsibility. The smallest of injuries on site to a worker, accidental falls, natural disasters and other unforeseen circumstances can put your budget off by thousands of dollars.

Time is a factor as well, having the plan pushed back by weeks, if not months; time and money that you cannot get back. Such accidents are what makes it prudent for you to invest in structural insurance, warranty and legal coverage for all the essentials.

What is Structural Insurance?

Structural insurance functions within the parameters of Builders Insurance and Site Insurance, covering claims regarding the foundation and architectural framework of the building, as well as the integrity of the site it is built on.

Structural Insurance & Home Warranty

As the percentage of self-built homes increase in the US, numerous companies now offer a comprehensive list of structural insurance for homes built without the assistance of building agencies.

If narrowed down to just structural claims, structural insurance covers the claim of any structural defects in a home for a fixed number of years after it is built. Often certain companies have a secondary set of rules, pertaining to the fact that the claim will only kick in 7 to 10 years after the house is completed.

That being said, structural insurance usually comes hand in hand with site and builders insurance as well, both essential and usually synonymous with structural insurance.

Site Insurance

Site insurance is offered to builders as well as individuals who have purchased land and intend to construct. It not only covers any natural disaster-related damage – fire, storm, flood – to the land, but also the temporary structures on it. The coverage puts aside a certain sum to take care of any unforeseen circumstances that may cause huts, caravans, tools and the building under construction itself to be partially or wholly damaged.

Certain insurance companies not only take care of the monetary side of things but also offer services to clean, repair and bring back the space to its former state.

Builder’s Insurance

In recent times, Builder’s Insurance has become a must for self-built structures, especially since it establishes a sense of trust between the homeowner and the bank or builder who is offering monetary assistance.

Builder’s insurance acts as the umbrella under which site and structural insurance fall, but often companies do cater to individual needs by offering them separately. These insurance policies even accommodate for theft of tools and valuables from the site, but usually, put a limit of the claim. That being said, it is important to pick appropriate coverage plans and not under or over-insure your property.

Allowing delays and pushbacks, any building or structural insurance for individuals who are constructing on their own extend to 18 months, as opposed to the usual 12-month coverage given for builders.

Why Insurance During Construction is Essential

Building a home isn’t only about the structure and integrity. Along each step of the way, you have to be aware of not only accidents and loss that are beyond your control, but also any harm that the process may cause to workers, the public and adjacent private and public property.

Structural Warranty for self built homes

As a homeowner, you are liable if any of your workers are injured during the course of construction, or even if they fall ill due to toxic substance exposure while they worked for you.

Even a trespasser walking into property can have a legal claim if he or she is injured due to any improper construction methods.

Damage to surrounding property can be another reason you are faced with a very large bill for compensation. Everything from a falling tree branch to heavy machinery vibrations that may cause harm to adjacent structures can be seen as cause for a lawsuit. Most often, such damage is seen to happen during the time when your foundation is being set, causing worry about underground water sources and support extending below the ground of other buildings in the area.

Home and Structural Warranty

Besides structural and builder’s insurance, warranty extends the coverage, claims, and care for years after the home is built – taking care of issues and damage that insurance does not address. While insurance deals with unforeseen circumstances and matters that were out of your control, Home Warranty offers solace when you need to deal with maintenance, repair, and replacement due to general wear and tear.

Usually put in place for a period of ten years, Structural Warranty covers defects in the foundation, load-bearing walls, beams, pillars and sometimes even wiring and plumbing systems. Not only does it keep you worry free, it also assures that any negligence on the part of the contractor is covered for without conflict.

 




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

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

Home Warranty Companies in Georgia

1. American Home Shield (AHS)

Services Offered

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

Client feedback

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

Plans Offered

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

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

2. The Home Service Club

Services Offered

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

Client feedback

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

Plans Offered

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

3. Home Warranty of America

Services Offered

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

Client feedback

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

Plans Offered

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

4. 2-10 Home Buyers Warranty

Services Offered

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

Client Feedback

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

Plans Offered

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

5. Select Home Warranty

Service Offered

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

Client feedback

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

Plans Offered

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

Conclusion

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

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