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.






Summer 2016 is on track to break records for high temperatures. According to The Weather Channel, some U.S. states will see temperatures well beyond their normal summer levels.  And with the brutally hot weather comes a strain on air conditioning systems with added repair costs if it fails.  Unlike certain appliances in the home or even major systems, heating and cooling systems serve a uniquely important purpose during extreme high or low temperatures.  So downtime longer than a few hours can turn a comfortable house into one that is unsafe to stay in, under the worst of weather circumstances of course.

How-To-Manage-Soaring-Repair-Costs?

Most of our readers on HomeWarrantyReviews.com are familiar with the benefits of home warranties and how it helps in reducing the repair costs.  But even having a home service contract may not be enough protection in the event that temperatures run consistently higher than an air conditioning system can counteract.  Excessive short-term demands on local HVAC repair companies can result in long wait times for customers desperate to get help restoring their A/C operation to normal.  Supplies at the local level of parts and other materials essential to restoring operation of broken air conditioning systems can quickly run out, leaving customers without cooling in their homes for days at a time.  And home warranty companies can find themselves running out of available contractors to send to their customers’ homes when claims for service are filed during these high demand time periods.

In this situation, preparing ahead of time is absolutely essential to a homeowner’s safety.  Here are some key things readers will want to consider, going into what may be for them the hottest one they’ve ever experienced.

Maintain the air conditioning system to reduce Repair Costs!

There is no failsafe trick to beating a rush on air conditioning repair services.  Unless the reader has the luxury of being able to fix the A/C without assistance, there probably isn’t much that can be done to get ahead of other customers when demands exceed supplies in the local area.  So waiting for the cooling system in the house to break down isn’t wise at all.  Instead of finding out the hard way that the system isn’t up to the task of maintaining a safe, livable temperature in the home during extremely hot outdoor temperatures, it pays to have the system maintained at least twice each year, ensuring that part that looks like it’s reaching the end of its life is replaced preemptively.  Home service contracts may not cover this type of preventive repair, but when it comes to safety, it never pays to nickel and dime household repair decisions.

Location, location, location!

Under regular demands, an HVAC system may not show that it’s not well maintained or optimally configured.  But put that same system under heavy demands, from really hot weather that lasts days or weeks at a time, and suddenly the flaws become obvious.  One aspect of optimal HVAC configuration that is easy to overlook without professional knowledge is the placement of the external parts of the cooling system.  

The parts of the system that reside outside the home function best when kept clean and out of the way of climatic or other interferences.  Long daily exposure to direct sunlight is not great for a cooling system that is already working overtime to keep the inside of the house cool.  Knowing how much sun exposure the unit is receiving and compensating in some way for units that are overexposed to the added heat coming from a lack of proper shade from the sun can be an integral part of avoiding system breakdowns during periods of very high outdoor temperatures.

Also, it is important to avoid any object being too close to the outdoor unit of the cooling system.  In particular, high grass, other landscaping, fences, foundations, and other obstructions can hinder air flow or block it entirely.  Loose debris from these types of obstructions can clog the unit.  It’s always best to keep the area around the unit clear.

Give the cooling system some help, a break even.

Though sustained high outdoor temperatures may give homeowners no choice but to run the air conditioner non-stop, it’s still possible to do many things to reduce the workload on the system.

Were you raised in a barn?  

Depending on a reader’s age, chances are this sarcastic question is pretty familiar.  But it lived on the tongues of many a mom and dad over the years for good reason, it hits the bullseye for the person paying the electric bill!  Opening and closing doors, leaving garage doors open, opening curtains or blinds that might have helped keep the house cool if left closed, all of these are ways that making bad decisions can heat up the house.  In a summer like the one the U.S. is now facing, it makes that much more sense to do anything and everything to lighten the workload on the air conditioning system.  Check out the list below of ways to lessen the heating effects inside the house of outside high temperatures.

  • Consider putting heat shielding film on windows that get a lot of direct sunlight.
  • Look around the house for electrical or gas devices that contribute to increased indoor temperatures and reduce the usage of those as much as possible.
  • Avoid leaving any exterior door open for longer than absolutely necessary, especially big ones such as garage doors.
  • Close vent louvers in rooms that stay cooler on their own, in order to keep cool air flowing where it’s most needed.
  • Be sure that any ceiling fans in the house are set to the correct direction for the season.  If it’s not clear on the device which way to set the rotation direction switch in the summertime, just remember that the blades should be going in a counterclockwise direction in order to cool the room.  When it’s really hot outside, turn the fan all the way up, so it can give the A/C the most help possible.

Keep it clean, please.

Filters for the air conditioning and heating system are typically not in view all the time.  Things that are out of sight are easier to forget.  So it pays to keep filter replacement on a calendar, where it’s routinely reminding a homeowner to put in a fresh filter.  Anyone who has ever called for HVAC service, thinking the unit was broken, only to find out a clogged filter was all that was wrong knows that it’s cheaper to buy a bunch of filters and keep them on hand than to assume that filter replacement isn’t a big deal.  

Clean filters help keep the air flowing into the interior part of the system freely and cleanly.  Clogged filters clamp down on airflow, which can result in the interior part of the system freezing up and the house heating up, even as air is still blowing out of vents.  One way to avoid forgetting about filter replacement is to sign up for a service like FilterEasy.  With an auto-shipment subscription, homeowners don’t need to try to remember when it’s time to replace the filter or add the filter to a shopping list.  And it’s far cheaper to keep the filter fresh and clean than to wind up with a repair bill.

Don’t wait until it breaks!

Readers who know it’s been too long since the last maintenance visit should stop right here and get to the phone.  Call a reputable HVAC service company before the chance passes and the busy season is in full swing.  If the company offers any type of discount for customers who pay upfront for annual service visits then give those deals some serious consideration.  Even a home service contract probably won’t cover every dollar of an air conditioning repair.  So every dollar saved counts when the system needs expensive labor and parts to get it running again.

Regular maintenance visits typically check for signs of age or unusual wear and tear.  And in some cases, this type of inspection can identify parts of the system that are near the breaking point.  Whenever this happens, readers are encouraged to make the repairs immediately if funds are available.  Though it’s always hard to know that playing it safe resulted in a real benefit for the homeowner, the old saying is true, it is better to be safe than sorry.

Look out for each other when the heat becomes dangerous.

Readers who are qualified to give advice, either because of professional expertise or personal experiences are encouraged to share in the comments below!  Don’t hold back.  You never know when a moment of your time spent sharing comments with other readers might result in saved money, time, or suffering from a house that is miserably hot.




Usually, appliances last for several years, mainly when they are properly maintained. Adequate maintenance actually brings down faulty function incidents considerably. When household appliances no longer work, you have two alternatives. You could either substitute it or repair it. In order to make the right decision, many points have to be kept in mind. Firstly, make sure your commercial appliance’s age and warranty period. If the particular warranty period continues, your repair could fee you nothing, or much less than what you suppose to pay otherwise.

The Cost of Appliance Repair – Are they worth Repairing?

Average appliance repair costs

Assuming that the warranty period is over and consequently repair shall be pricey, then you certainly must consider a few points. You must begin with obtaining estimates and quotes from no less than four different service providers. If the cost is about 50% of the cost of a new appliance then it is worth getting the repair done. If not, it would make more sense to just upgrade to a newer model. An amazingly old kitchen appliance may give you the situation of hard-to-find spare parts. Your repair guy might have a tough time discovering suitable appliance parts and he could charge extra for that too.

Getting original parts to be substituted by spare alternatives is not a very good idea. There are high chances of making more troubles than answers. Even if it does not prove to be a fix, you will face stumbling blocks later on. Throw away your appliance and get yourself a new one instead. New models from reputable warranty companies tend to be more energy-efficient and reasonable. By employing environmentally friendly commercial appliances in your business, you will also be promoting goodwill and sales among your patrons. It also transforms to lower energy expenses and more savings. The extra cost will surely be justified over the years.

How Much Does Replacing or Repairing an Appliance Cost?

Commercial appliance repair service is normally billed for on hourly basis. Average hourly rates for the first half an hour could vary between $50- $70. After that, for any subsequent moment block the rates will be a few dollars less per half hour. On average, if you are a regular customer of a company, you can anticipate to pay 10$-20$ per hour for time slots from your technician. Lower rates are charged if your appliance is delivered to the provider shop and the technician did not have to go onsite for the repair. Sometimes based on the complexity of the job, the rate will vary. This will usually adjust in benefit of the client as then, the duration of time taken for repair is not of importance. The person will not be anxious about being charged too much.

When calling your repair services call center or offices, bear in mind that ‘overtime calls, i.e. the calls taken after business hours, on holidays, and on weekends, will naturally cost you extra. In fact, charges might even be as much as 25% over. Thus, take thin in account. If the repair is not an emergency, calling for an urgent ‘overtime repair’ is not a very smart idea.

A Pre-Owned Home Warranty Can Protect You From Costly Repairs

If you are most consumers, you would not even consider buying a new or pre-owned car without some type of warranty. So why would you purchase a home without similar protection? Well, the simple answer is the majority of people just don’t know that home warranties exist. But as home sales are rising, buyers are negotiating for the best possible deals and sellers are seeking for advantages to make their home more pleasing. As a result, home warranties are rapidly becoming part of home sale transactions on both sides.

What is a Home Warranty

Get Covered!

A typical pre-owned home warranty is a service agreement provided to the sellers and/or buyers all through the sale of a home that protects the home’s essential mechanical systems and appliances. Usually, home warranties protect sellers and new homeowners from repair and/or replacement costs that are not covered by their homeowners’ insurance. While specific coverage differs, some of the most common items covered are the water heater, HVAC system, plumbing and electrical system.

Cost to Repair Appliances 2012

According to Homewyse, in 2012 the average cost to Repair Appliances varies from $184.63 to $242.40 per each appliance.

Your cost depends on material costs and local labor, level of preparation, finishes quality and job complexity.

Cost to Repair Appliances – General Information

The cost estimate includes:

  • Costs to material delivery and service provider transportation to and from the job site
  • Costs to set up the worksite for Appliance Repair, together with costs to project existing finishes, components and materials
  • Costs for site cleaning and debris removal once work is complete
  • Costs for machinery or tools to complete the Appliance Repair
  • Costs for tools or machinery used to complete the Appliance Repair

The cost estimate does not include:

  • Cost to modify or add present electrical, plumbing or HVAC systems
  • General contractor charge fees for directing and managing the Appliance Repair. You would expect 12.3% to 19% to the total cost if a general contractor supervises the project

Appliance Maintenance

The following list comprises major work tasks commonly performed during Appliance Maintenance.
Make use of this list to know the timing and sequence of different steps in the Appliance Maintenance project.

Example:

The table mentioned below is provided by Homewyse which is a vendor neutral, comprehensive online reference for the home. It is published by competent home design and construction professionals who seek to produce a “level playing field” for trade professionals and consumers. By relevant professional knowledge and expert insight which is easily accessible to the average homeowner, Homewyse facilitates effective decision making in all matters related to home.

Task Service Provider Duration Do-it-yourself difficulty Target Cost 
Install Electric Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $513 – $932
Install Gas Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $583 – $1,062
Install Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Range Appliance Service and Repair Technician 1 d Level 2 – Challenging $895 – $1,643
Install Vent Hood Appliance Service and Repair Technician 1 d Level 2 – Challenging $445 – $811
Install Washing Machine Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $695 – $1,273
Replace Washing Machine Appliance Service and Repair Technician 1 d Level 2 – Challenging $695 – $1,273
Install Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $70 – $117
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Repair Appliances Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dishwasher Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dryer Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Refrigerator Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Replace Built-In Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $1,820 – $3,354
Replace Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Waste Disposal Plumber 1 d Level 2 – Challenging $105 – $175
Install Ice Maker Plumber 1 d Level 2 – Challenging $230 – $407
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Install Garbage Disposal Plumber 1 d Level 3 – Complex, Difficult $250 – $444



In a quite short period of time, home protection plan have grown considerably in recognition. Today, the plans are almost standard in every city real estate transactions, where 8 of every 10 homes sales are covered. Homeownership can be one of life’s many pleasures, but it’s not always cheap. Most likely the last thing a homebuyer wants to do after closing on their new home is to shell out even more money on appliances or systems that unpredictably break or malfunction. It’s a usual part of being a homeowner, though, and procuring a home warranty protection plan is one way you can attain some peace of mind.

When your appliance breaks down, don’t worry about whom to call to fix it, or what it will cost. There are various options by which you can protect your budget from pricey emergency repairs.

  1. Home Warranties
  2. Extended warranties on expensive appliances
  3. Appliance Service Contracts
  4. Service contract for specific items such as HVAC
  5. Hire a pro when something breaks down

Want to know how home warranty works? Watch this video –

Home Warranties

Home Protection Plan

Home warranty plans, also called home protection plans, are basically service contracts or insurance policies that cover major appliances and systems of a home. It’s a good idea if you are a first time home buyer without any understanding in maintaining a home or property. Homeowners insurance does not cover breakdown of a home’s major systems or appliances, but a home warranty protection plan can help with repair expenses such as refrigerator that stops running, or your air conditioning system breaks down in the middle of the night.

When a breakdown happens that involves a system covered by the home warranty plan, the homeowner calls the insurance firm and desires a service call. The cost of the service call, which ranges from $35 to $95 per visit based on your location, is salaried by the owner. The warranty company allots the call to an approved contractor, and the home protection company shells out for the system repair or replacement.

What parts of a home are covered by a Home Warranty?

Home warranties naturally cover the mechanical systems of a home such as heating, plumbing, water heater and most built-in appliances. Structural components and pre-existing conditions are usually are not covered. For instance, if the water heater hasn’t worked properly for some time, it possibly that it won’t be covered in the buyer’s home warranty plan. Other items which are typically not covered include faucet repairs, sprinklers and permit fees. Some home warranty cover roof repairs and garage door openers with certain limits.

Another common problem with home warranties is that you will not be able to decide the repair provider that will care of your problem while the warranty is in effect. Normally, if a covered item breaks down, you will put notify your home warranty company, which will select a service provider with which it has an agreement.

Additional coverage is accessible under most home warranties at an extra charge for a spa, pool, air conditioning and freestanding appliances, such as washer, refrigerator and dryer.

Coverage usually runs for a year, but it may be extended at the owner’s choice for a renewal fee. Some people keep their home warranty policy in position for years and years. If the home protection plan is ordered at the time a home is bought, inspections are normally not required.

If you don’t want to have to be anxious about repairs in your first year of home ownership, a home warranty may be a good idea. However, it is imperative to weigh up your warranty, to ensure that you will be properly covered.

Know the basics of home warranty.

Extended Warranties Protect Appliances from Expensive Breakdowns

Extended warranties, by providing protection for pricey purchases and increasing the span of a product’s original warranty, have become the standard for many retailers. These warranties often appeal to economical consumers, for whom purchasing big-ticket items like appliances and electronics can be a challenging decision.

An extended warranty or service contract is like an insurance policy – your savings buys off only when the most evil happens. But do you actually want one? These days, almost all the brand – name appliances are sturdily – built and generally last their usual life span with few or no repairs, rendering extended warranties pointless. In case you do choose to get one, ensure that you do your homework.

Buying Extended Warranties on Appliances

Are Extended Warranties For Expensive Appliances Worth It?

There might be instances where an extended warranty is affordably priced and makes up for a limited warranty that covers little ground and has short period of time, and thus, is worth it. But too often, they are a waste of money. Before you purchase an extended warranty, ask yourself the following questions:

  • What are the odds that this appliance will break down in X amount of years,
  • What will the price of a replacement or repairs to this appliance be in X amount of years?

You frequently forget that while your product may certainly break down later on, the price of the product will also depreciate later on. Only when the forecasted cost of replacement or repairs become considerably greater than the present cost of the extended warranty, should one consider buying the extended warranty. And still, a warranty must only be thought out if there is also a significant chance that the appliance will stop working in the first place!

Certainly, warranties are significant and you must always ensure that when you buy pricey appliances – like clothes dryer for example – that it has a warranty to follow with it. But if a salesperson is attempting to get you to buy an additional extended warranty, be doubtful. Think about sales and advertising. There is always an income motive and retailers and merchandisers can regularly make money off consumers when they purchase extended warranties than when they buy replacement products or pay for repairs! This is why third party companies and retail stores provide extended warranties, not the manufacturers.

Think about sales and advertising. There is always a profit motive and retailers and merchandisers can often make more money off of consumers when they buy extended warranties than when they buy replacement products or pay for repairs! This is why retail stores and third-party companies offer extended warranties, not the manufacturers themselves.

The moral of the story is that you must do a little math and significant thinking prior to buying an extended warranty. Possibly it will be a wise purchase, and may be the money will be better used up toward other services or products.

 

Appliance Service Contracts

Appliance Repair Professional

Don’t lose your cool over unforeseen home repairs; call the experts for a home service contract. One such company that provides Service Contract is Service America. Never again will you have to worry yourself with the hassle and high cost of unforeseen repairs.

Service America is protecting its customers from unpredicted air conditioning, appliance and plumbing repairs for over 38 years saving them a ton of money, time and unnecessary frustration. When something breaks down at home, it becomes necessary for you to rush and find the right technician to fix the problem. Many times it’s an urgent situation and you don’t have the comfort of shopping around for the best price. But you can avoid these types of stressful circumstances, save money and experience peace of mind at the same time by buying a Service Contract.

A Service America Service Contract covers all these appliances and services for just one low yearly cost.

Quoting and buying a service contract takes a few minutes but expectantly you will find it effortless. In order to obtain the best possible coverage you need to give basic information about your home.

 

Service Contract for Specific Items such as HVAC

HVAC-Fort-Lauderdale

In the heating, ventilation, and air conditioning (HVAC) industry, equipment servicing is generally headed by the issuance of HVAC service contracts. The key purpose of this is to describe the terms of service as well as the cost, the length of service and what requires to be done, and each package of contracts is exclusive to each type of service. These service contracts incorporate full-coverage, full-labor, preventative-maintenance, inspection contracts, and end-use contracts.

All of these HVAC service contracts cover the tasks of each party, material cost, wages and how to decide arguments with a complete document. The equipment, procedures, tasks, unique descriptions and reports on the precise work to be done ought to be covered as well. Every contract also sketches processes and details the responsibilities of the contractor and owner. Regardless of which contract is signed, there can be several contracts put into practice for the same parties at any given time.

 

 

Hire a Pro When Something Breaks Down

Appliances are a vital component of a well running home, as they are utilized every day. When they stop working, an appliance repair professional is able to restore the item to full working order. Along with repairs, professionals will regularly service your appliances to make sure that they run as safely and efficiently as possible.

Appliance repair professionals can render the following services amongst others:

  • Parts and labor warranty
  • Supply and installation
  • Emergency services
  • Service or repair several brands of appliances
  • Safety checks

While hiring your appliance repair professional, make sure that you get a quote on the work that needs to be performed. Ensure that the quote incorporates the call out fee and the cost of any parts that must be replaced. The professional must also be ready to give assurance of their work for a certain period of time. It’s good idea to investigate several repair pros in your area and pick the one that offers experienced technicians, reasonable prices, and good customer service. Always make sure that the professional is insured and licensed.




A bathroom is one of the most important places at any home. A place to relax, rejuvenate and unwind. A clean and well maintained bathroom is a sign of physical and mental well being of a family.

With time the structure and appliances grow old and no longer have the same appeal. Chipped walls, dull sanitary ware, old flooring, leaky taps, rusted pipes can put you off. An old and dirty bathroom can be a big embarrassment. Does this sound like your situation? Do you think twice before answering when your guests ask, can I use your washroom?

Then its time for you to consider renovating it. Thoughtful re-designing can make it spacious and provide more storage. Renovation also adds value to your home if you plan to sell.

Options are endless when it comes to remodeling bathrooms as there is a wide scope for improvement. The combination of plumbing, electrical wiring, and decorating schemes packed into the smallest residential spaces create unique demand for its renewal.

If it needs to be restructured then everything has to be discarded and built from scratch. But if the layout is fine and the waterproofing is sound, then it will not cost you a fortune. A dramatic difference can be made by simply changing the color scheme, re-tiling over the old floor, replacing cabinets and sanitary ware. There are even  resurfacing products that can put a new surface over old colored tiles or chipped and outdated bathtubs.

What to Consider Before Starting a Bathroom Renovation?

Before you rush to speak to a  renovation company and ask for quotes, it is very important to do your research. The variety of  renovation options can be overwhelming including the infinite choices of baths, showers, toilets, taps, shower heads, tiles, paint colors, mirrors, splash backs, etc. The more determined and clear with ideas you are in what you require from your renovation, the more likely you will be of getting the one that you always wanted.

The secret to your dream bathroom is detailed specifications. While tabulating what you require, consider this questions.

  • The size of the structure.
  • What type of baths, showers, basins, vanities would you like? Which price point is best for you (mid range, top of the line, etc)?
  • The  fixtures that you would like. What types of taps, shower heads, etc?
  • The tiles, glass, mirrors and painting that you would like.

Now you have a foolproof plan of what exactly you want. Wondering what next? It might come in handy to consult your friends and relatives who have got renovation done from potential and reputed contractors. Do your research and be sure that you opt for the army of people you would want to hire to transform it.

How Much Does it cost to renovate a bathroom?

Typically  it would cost between $9,000 and $25,000 depending on a number of factors such as:

  • The size of space
  • Specifications of the work that is required.
  • The building materials that are used.
  • The choice of fittings such as taps, shower heads, etc.

The next step is to choose the sanitary wares and fixtures. If your existing ones are in decent condition then you can make them look new.

All you need to do is wash and scrub with an abrasive cleanser, Lime-A-Way. Then sand on them. The final stage is to paint. Mix the epoxy and paint with a brush and roller. Brush in one direction to make it spread evenly.

If they are way too old and ready to be discarded then yes it’s time for some shopping, but before heading to the store flip through the magazines and browse home improvement websites and get a firm idea about the fixtures, shower curtains, and sanitary wares you would need, it will save you time and costs.

Here are the essentials that you may have to buy:-                                                                        Bathroom Renovation

Bathtub

These come in a variety of styles with built-in shelves for condiments. You should be able to get a decent one for under $200. Check for the desired size.

Shower Curtain

Shower curtains and hangers set the mood of the whole washroom and its gets better when coordinated with towels. If  the area is small you should go with a lighter color and you can choose to experiment with different  kinds of fabric. You can choose vinyl, polyester, cotton, or other decorative textiles. Remember that vinyl and plastic shower curtains can be spot-cleaned while fabric curtains may need to be taken down and washed.

Toilet

Compared with other fixtures, toilets are not that expensive, but low-flush toilets are not cheap. Choose the one which will complement other sanitary-ware. You can also try a toilet tank water saver. This is a mechanism that fits in the toilet tank and only lets enough water in the tank to do the job. And it’s adjustable.

sinkSinks/ Faucets

Sinks/ faucets add elegance to the place, so pay more attention while choosing. It can be counter top, wall mounted or wall hung, above counter vessel types, pedestal, cast iron, integrated, freestanding, or self-rimming, and more. The  sink that you choose will determine the type of faucet and handles that you can install in the sink, so keep that in mind to assure that your faucet purchase is compatible with your  sink purchase.

To save money buy a water saver shower head. This can save you over 50% of the water and hot water costs for the same duration of shower.

Plumbing

Do not change the location of plumbing when working on low budget. Plumbing modifications requires bringing out the pipes from wall. After placement, you will have to do wall repair work. If new tiles were not in your mind, they will have to be then. Consider renovation in tight budget and forget plumbing modification. That means showers, tubs, toilets, and sinks should remain in the same position.

Floor

Linoleum: In a small or medium-sized washroom, changing the floor can be as easy as rolling out a section of beautifully-designed linoleum over the present floor and gluing it. If the present flooring is linoleum you can get a neutralizing agent to scrub the floor and then apply the mastic. The new linoleum will go down easily. Then install molding to hold down the edges.

Tile: This is also cheap and can go over other flooring. For small spaces it can be a do-it-yourself job but a handyman can do it quickly and cheaply. Big tiles can also be used on the walls from the floor to the ceiling for a royal look. You can also choose to have stick on tiles which can be stuck on any surface and look magnificent, moreover you can do it yourself.

Lighting

Usually the lighting is overhead and/or framing the mirror. This might take a couple of hundred bucks for an electrician but installing sconces on each side of the mirror will really give it a makeover.

Painting

It is the cheapest remodeling technique and usually one gallon of finish will do the job. Blue, Sea green, orange based on your preference and the advice of the contractor, you can choose the colors.

Mirrors

One beautifully framed mirror over a sink is more attractive than many surfaces covered with mirrors. These will enhance the looks of your washroom.

 after renovation

Before and after renovation

Wooden or bamboo accessories seem to have replaced the old fashioned steel racks. You should first look at the type of wood the racks are made of. Pine or oak can be strong, but be careful; they may form fungus when left wet.

Take advantage of space between wall studs by recessing a tall storage cabinet into the wall to maximize vertical storage while saving floor space. The cabinet should have an interior depth of at least three inches and a door flush with the wall.

When your it is completely renovated you can bring in one or two indoor plants like Boston fern, peace lily etc, which helps in cleaning the air. When your renovation is completely done then yes it’s time for indulgence. Enjoy your new bathroom.




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.




Home maintenance is an integral and expensive part of homeownership. Every homeowner worth his salt will swear that without proper maintenance of household appliances/ systems, the comforts of his home can be rendered ineffective.

It goes without saying that appliance repairs and replacements are costly. Not to mention the added trouble involved in looking for a trustworthy contractor and getting him to do the repair job at a reasonable price. While unexpected repairs can burn a hole in your pocket, preparing for them in advance may help you lessen the impact of the blow. Let’s see how you can efficiently manage home maintenance costs without hassle.

Home Maintenance Costs

Preparing the maintenance table

Step 1: Identify all the major appliances and systems in your home

The first and foremost step is to make a list of all the appliances and systems in your home. Follow this step by creating a table, you can use an MS Excel Spreadsheet or even a simple paper will do. Make 5 columns, mark the first one as “Item” and fill that column with names of all the appliances you own.

Step 2: Determine the date of manufacture

This is quite crucial. If you have the paperwork relating to the date of purchase like invoice, bills etc, it will be immensely helpful in determining the year in which the appliance was manufactured. Fill the second column with corresponding values of date of manufacture.

Step 3: Determine the life expectancy

Name the next column as “life expectancy”. Fill it in with average expected life spans of every appliance/system.

Step 4: Determine current age & years remaining

In the next column, write down the current age of the appliance. If you don’t know the exact year of manufacture of an appliance, use an estimate.

Deduce the number of years remaining for an appliances from the date of manufacture and the average life expectancy. If,for any component, the value of this field is less than or equal to 5, chances are high that that particular appliance/system may require repairs in the near future.

Step 5: Estimate replacement costs for each appliance

You can do some research online to find out about the cost of new appliances. Fill that out in the next column.

By now your table should look somewhat like this –

Appliance/ System Year of manufacture Life expectancy Current age (‘15) Years remaining
Refrigerator 2002 13 13 0
Dishwasher 2001 9 4 5
Air conditioner 2005 15 10 5
Washing machine 2008 10 7 3
HVAC heater 2000 15 15 0
Water heater 2009 12 6 6

Identifying failure prone appliances/ systems

Any appliance, whose years remaining value is less that 5 is likely to undergo faults and errors more frequently. Shortlist any such appliances and sum up values of their total replacement costs. The amount could be huge or reasonable. If it is huge, it is recommended that you purchase a home warranty plan to ensure budget protection.

Arrive at a conclusion

Once you make a table for every appliance/ system in your house, you will be able to predict which appliances will require repair services in the next 5 years. Avoid focusing on appliances that have more than 5 years remaining.

Look out for expense clusters. For eg, in the above table, both dishwasher and clothes washer have only 4 years remaining, which means they stand a chance to die during the same year. This could lead to an “expense cluster” as you will have to replace two appliances in the same year.

Achieving budget protection

If you feel that you will be encountering multiple appliance repair needs in the near future, we suggest that you invest in some form of appliance protection plan. Ideally, for any homeowner whose appliances or the home itself is over 4 years old, a home warranty is the best bet for budget protection.

These plans offer discounted repairs and replacements services. In most cases, the homeowner only has to pay nominal deductible fee ($40 – $100) for each service incident. Annual premiums for such plans are quite affordable too (around $250 – $500).

Home maintenance does pay off!

Like we said, without proper maintenance, even the best of homes will turn into an almighty mess. As the old saying goes, a stitch in time, saves nine, likewise timely maintenance could save you loads of money on appliance repairs later.

You can go through Home Maintenance Tips to become aware of the steps you can take to keep your home and its appliances healthy. You can also read about various Home Warranty Plans to secure budget protection and peace of mind.




Life throws many unforeseen things at all of us. As we can’t stop these things from happening, we can choose to give our lives a bit of protection. Insurance is meant to grant us some measure of financial protection, when a disaster occurs. There is plethora of insurance options available and it is suggested by many financial experts to have these insurance policies in place. Yet, with so many choices, it can be difficult to decide what kind of insurance you need to get.

Life Insurance Policy

Buying the right insurance is always decided based on your specific situation. There are however, four insurances that are suggested by most financial experts namely life, health, auto and long-term disability. Each of these covers up a definite feature of your life and is vital to your financial future.

Do I Really Need Life Insurance, and if So How Much?

The greatest aspect in having life insurance is providing for those who depart. This is really important when your family is dependent on your salary. Experts recommend that life insurance policy should cover “ten times your yearly income”. This amount would give a sufficient amount of money to cover funeral expenses, existing expenses and provide your family a financial cushion which will assist them re-group after your demise.

When estimating the amount of life insurance coverage you want, keep in mind to factor in not only funeral expenses, but also mortgage payments and living expenses such as credit cards, taxes, loans, child care and future college costs.

Life insurance is something that will be required by everybody at some point. Unless you work in the insurance industry or are familiar to somebody that does, what do you really know about the life insurance types that are accessible to you? The answer to that question probably is ‘not a lot’, and why you be supposed to?

Types of Life Insurance

Many of us think that there is a common life policy for insurance that everybody procures but this is actually not the case and there is a variety of life insurance that can be bought. Each of the types has its own precise features and benefits that may be of concern to the consumers.

Below is the brief explanation as to what these different kinds of life insurance are in order that you can be familiar with the difference between them.

Life insurance comes in several sizes and shapes, but they generally fall into two categories namely Term Life Insurance and Permanent Life Insurance.

 

Term Life Insurance Policy

This is the most affordable life insurance and coverage in this type is bought for a definite price for a specific period of time. After the demise of the insured, the recipient will receive the death benefit. It makes the death benefit longer only for a definite period and if the insured doesn’t die within the term of the policy, he gets nothing in return.

This kind of life insurance makes logic if you have monetary needs that will reduce over time, such as a child’s tuition or a home mortgage.

Types of Term Life Insurance

  1. Guaranteed Level Term Life Insurance: This is the most common type and is well-liked for the reason of the very low cost and long term coverage it provides. These kinds of life insurance policies have premiums that are intended to remain level for a period of 5, 10, 15, 20, 25 or even 30 years.
  2. Return of Premium Term Life Insurance: This is a type of life insurance policy that gives a definite refund of the life insurance premiums when the term period expires, assuming the insured is still living. This policy is a bit more expensive but the premiums are planned to remain level. Significantly less expensive than permanent types of life insurance, this life insurance policy still may give cash surrender values if the insured doesn’t die. Return of premium term life insurance policies can be availed in 15, 20 or 30 year terms.
  3. Annually Renewable Term Life Insurance: This type of term life insurance policy has growing premiums. The premiums rise each year to reveal the possibility of your death in any given year.  Annually Renewable Term Life Insurance is not popular and is only procured when the coverage is required for one year or less which happens most frequently in business deals.

 

Permanent Life Insurance Policy

Permanent life insurance by definition is a policy that provides lifelong protection. The policy never ends as long as the premiums are paid. In addition, this type of policy provides a savings element that builds cash value over a long period of time.

Types of Permanent Life Insurance

  • Whole Life Insurance:  This is a type of permanent life insurance which is intended to provide coverage for an individual’s whole life rather than a specified term. It is apt to needs that do not decrease over time such as paying estate settlement taxes and costs. Usually, the life insurance rate for this policy remains unchanged throughout the life of the insured. For the early years of life insurance policy, premiums are much higher and these life insurance policies build up cash values which can be accessed by the by the owner of the policy through surrenders or policy loans.
  • Universal Life Insurance: This policy is different from whole life insurance in the fact that this type itemizes and distinguishes the protection element, cash values and the expense element. By sorting out the three elements, the insurance company can put up more flexibility into the life insurance policy which permits the policy owner to amend the face amount or the premium in response to changing circumstances and needs.
  • To age 100 level guaranteed life insurance: This type offers an assured level premium to age 100. In addition, it also provides guaranteed level death benefit to age 100. Most frequently, it is carried out within a Universal Life policy, with an additional feature known as a “no lapse rider”. Some of these plans also incorporate an “extension of maturity” feature, which provides that if the policy owner lives to age 100, having paid “no lapse” premium each year, the complete face amount of coverage will carry on an assured basis at no charge thereafter.
  • Survivorship or 2nd-to-die life insurance: A survivorship policy is a type of coverage that is usually provided either as whole life or universal and pays a death benefit at the later death of generally a husband and wife. It is widely accepted among wealthy individuals since the mid 1980’s as a method of discounting their expected future estate tax liabilities which can take away an amount to over half of family’s entire net worth!A “2nd-to-die” life insurance policy permits the insurance firm to delay the payment of the death benefit until the second insured’s demise, thus creating the necessary dollars to pay the taxes just when they are required! This type of coverage is extensively used as it is less expensive than individual permanent life insurance coverage on either partner.

Once you know the type of protection applicable to you and would like to procure, you can get online rates for the policy you wish. With the help of online life insurance quotes, you are able to examine and compare insurance quotes from various insurance companies.




Americans buy home warranty to protect themselves from repair and replacement costs of home appliances that fail due to normal wear and tear. Unfortunately a lot of policy holders feel let down by the result after filing a claim with their warranty company. Some people are ignorant that they have the power to dispute the outcome of a claim when one is filed; others are conscious that many customers succeed when they dispute a claim correctly. The procedure involved in disputing a claim can be extensive, but can be worth time investment.

Home Warranty Claims

A home warranty is a service contract that covers systems and items in your home that are usually not covered by homeowner’s insurance. Furnaces and outside air conditioning units, plumbing and electrical systems are items commonly covered under a home warranty protection plan. The homeowner requests a claim with the warranty company when a covered item requires repair. Some home warranty providers repay the homeowner for the cost of the repair while others send a contractor directly to the home for repairs.

Common Causes of Home Warranty Claims Denial

You should look at these factors carefully for any items that you estimated to be covered by the home warranty contract you aim to procure. Make sure you read the contract one more time and understand the reason for denial. In some cases, even courts cannot help you if the claim was denied for a reason clearly stated in the contract.

So what are some of the common reasons for denial of claims on home warranty?

  • Lack of Maintenance – You are supposed to take care of cleaning and maintenance of appliances. HVAC units must be serviced every year and you should keep maintenance records.
  • Code Violations – If any of your appliances violate safety and installation codes, they won’t be covered.
  • Unusual wear and tear – due to reckless usage etc.
  • Improper installation – This is where having a home scrutiny done by a professional is so significant. Paying out a few hundred dollars for this kind of assessment could save you thousands of dollars and years of annoyance. For instance, if the HVAC system was not installed properly, or if the defect existed before the new buyer takes ownership, the claim could be denied. If the seller is reluctant to deal with issues that are found in a home inspection, think two times before you close on that home.
  • Excluded appliances Clause – Not all appliances are covered. Your service contract lists all covered appliances. Make sure you are okay with the coverage.

How to Dispute Home Warranty Claim Denials

Always be polite and be friendly with customer service professionals. They will go an extra mile if they like you. The first step should always be that you speak to customer service supervisors and their bosses who make the decision. Assuming those steps did not result in a favorable outcome, you can follow these escalation steps:

  • Step 1: Verify your home warranty documents. The definite steps you have to take with the home warranty company to appeal a petition for denial must be listed in the documents.
  • Step 2: Make contract with your home warranty company. Keep a record of all dates and times you talk to a company representative. Obtain the names of every person you speak to. Inquire for the required paperwork to demand a denial of your warranty plan.
  • Step 3: Get the problem re-estimated by a third party. Speak to a local contractor or repairman and get a written estimate for the repair. Have the professional note in writing of what he thinks is the reason of the damage.
  • Step 4: Pursue the warranty company’s appeal process. Some companies want mediation actions be started by and finished by you before the issue can be taken further. Provide any documentation demanded by the company.
  • Step 5: Approach Better Business Bureau (BBB.) Most companies are willing to resolve your issues and close BBB complaints to have a clean record.
  • Step 6: Call your State attorney general’s office. The attorney general’s office normally deals with warranty fraud and service denials.
  • Step 7: File a complaint in small claims court if your claim is small enough. Small claims courts are confined on how much money you can file for a suit. Ensure with the small claims clerk’s office to settle on if your claim falls under the limit.
  • Step 8: Get hold of an attorney for larger claims. Verify with your local bar association to locate an attorney knowledgeable in real estate and denial of service matters. The permissible charge for an attorney differs by area, but usually you will be able to sue the warranty company for the lawyer charges you paid other than your claim.

 




Home warranty companies take lot of heat from consumers especially on reviews sites like ours. Consumers think home warranty plans provide blanket coverage just like auto insurance. But these are different kinds of insurance products. Chances of your appliances needing repair are much more than your car getting involved in a road accident, although premium you pay is about the same. So, obviously insurance companies have to make some profit to stay alive and that is why there are small print clauses that exclude certain conditions. Not many people will read the contract and will be surprised when their claims are rejected. As pointed out by Mr. Lehmann below, positive experiences are less likely to be talked about and many reviews here on this site are overly negative.

HSA

The president and CEO of HSA Home Warranty has responded to the criticism and negative reviews on this site. We appreciate home warranty companies coming out and explaining the facts. We also think they need to ensure home owners understand the product terms before signing the contract. Homeowners warranty is one of those products that needs little bit of consumer education.
Here is the complete response –

I feel that I have to respond to the comments that I read on this blog. I have been the president of this company for 25 years. It disturbs me to read these comments when I know that we work so diligently to deliver the best service that we possibly can. Unfortunately, the individuals who post their opinions are overwhelmingly those that feel that they were treated unfairly. I think that some statistics might be helpful to those individuals who read this site. We have 100 opinions posted on this site. Of those, approximately 25 are people who had a good experience and wish to share it. All others express negative comments. This is out of almost 85,000 people who filed claims with us last year. So you are hearing from far less than 1% of our claimants on this site. What you don’t hear is from the 85% plus who had claims and were very satisfied.

Furthermore, over 40% of our business comes from renewal customers who thought highly enough of our product and service to renew their warranty coverage. In other words a huge majority of our customers are very satisfied with their coverage and keep their warranty coverage with us for a long period of time.

While I applaud the high satisfaction rates of some of our competitors, you might notice that they do not have very many opinions registered. That is possibly because they only conduct business in a single community or state. The national companies, like HSA, have a more challenging situation in that they cover the entire country from Fargo, ND, to Abilene, TX to Philadelphia, PA to Orlando Florida. It is a tremendous challenge to form a network of vendors that covers the entire country. With this challenge comes some variance in the quality of service contractors performing the repairs. We do our best, every day, to bring on high quality service people. However, the alternative is no warranty protection if your community is smaller, more rural, or difficult to access.

There are those who complain that they had to wait several days in high heat or extreme cold to have their furnace or air conditioner repaired or replaced. If you look in your yellow pages you may notice that there are a finite number of companies who do this work. When there is a heat spike or a heavy freeze they are under tremendous pressure to accomplish all of the repairs. Whether you have a home warranty or not, it is likely that you will have to wait to get your repair work done. In fact, we believe that we do get repair people to you faster than if you did not have a warranty, because we send these companies a lot of business and have service contracts in place to establish high expectations with our service people.

Further, if you need a rare part or a new unit, we might be able to get them faster than the local company because we often buy directly from the manufacturer. Still there are only so many service companies and it takes time to get to you when there are weather extremes in your area. We also have a service guaranty in our contract that ensures we will respond to your service request in a timely manner or we will let you contact a vendor outside of our network to ensure fast service. Our people do their very best to bring you the fastest service possible. It is in our best interest to have satisfied customers.

Our CSR’s are monitored and trained on a daily basis. All telephone calls are recorded. We review these for quality assurance purposes and if there is a complaint about “rudeness” we listen to the call and review it with the CSR. As we review these we frequently find that the “rudeness” may have occurred after a customer became irate, abusive or profane with the CSR. We do instruct them to end the call if they are subject to extremely abusive language or profanity. The CSR’s are nearly always friendly, courteous and helpful. If not, they are retrained. If that is unsuccessful, further corrective action is taken up to and including termination.

With this response I pledge that all complaints about our service surfaced on this site will be fully reviewed to be sure the proper claim decision was made. While there are times when customers are upset that our contract terms do not allow us to cover every claim, I am confident that we stand by our service experience and address problems as they arise.

Some customers complain about being non-renewed after a claim. On average, we pay 1.1 claims per contract. That’s our business. We pay claims and provide service to people. However, you may have seen allusions to receiving $10,000 in claims. Obviously we cannot pay that kind of money out on every warranty. These individuals usually have eight to twenty claims. If we did renew this type of property, the cost of the warranty would be raised very high for everyone else and make the product less available to consumers who need the budget protection our warranty provides. We also will non-renew for persistent abusive or profane language and for behavior we consider unethical. Just as you have the choice of warranty providers, we have the ability to choose not to do business with individuals who exhibit this type of behavior.

Some complaints are about hold times. We continually strive to improve our hold times. In these economic times longer hold times are a problem. You may have experienced them with airlines, banks, credit card companies, insurance companies, etc. We are actually pleased that we have been able to keep the standards that we have and even improve our hold times in several target areas. We have not moved to a foreign call center or outsourced our call center operation. All of your calls are answered here in the United States by HSA employees trained in the values of our organization. They take tremendous pride in providing you industry leading customer service.

I wrote this letter because I could not tolerate without response the people who call us thieves, liars and con men. We work very hard to deliver the best service and coverage that we can with integrity and fairness, and have done so for 25 years. We judge our success by the number of people who renew their warranty coverage with us year after year. These are the more than 85 percent of our customers who file a legitimate service request and receive fair and prompt service. If that were not true we could not keep our customers.
Robert Lehmann – CEO & President of HSA Home Warranty




  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.

 




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

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

10/11/08 Update

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

Coupon expires on 12/26/2008

Check out our reviews section for Choice home warranty reviews

11/18/08 Update

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

10/17/08 Update :

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

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

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




American Home Shield, the nation’s largest home warranty provider, announced that it has launched a new website to help first-time homebuyers. While there are many resources available online, the new website, FirstHomeResources.com aims to be a one-stop shop for consumers ready to buy their first home.

American Home Shield Offer

A recent survey from the National Association of Realtors (NAR) showed that owning a home is a high priority for 51 percent of renters. With this kind of figure, it is apparent that more help is needed for anxious first-time home buyers who will be hungry for thorough information. FirstHomeResources.com is a comprehensive website for home buyers who are scouting for information online.

Speaking on this initiative, Philipp von Holtzendorff-Fehling, Chief Marketing Officer of American Home Shield said “American Home Shield’s mission is to make home ownership easier and this website is just an extension of that mission”.

He said purchasing a home is a complicated and daunting process for first-time homebuyers as it requires significant planning and research efforts. The company has built this website as a free resource to help future homeowners navigate the pitfalls and prepare for the unexpected.

We at HomeWarrantyReviews.com, present a comprehensive review of the new website.

At first glance, the site looks amicable and contains menu bars for easy navigation. Here are the menu choices and a closer look at the features offered.

Planning & Research

This section introduces you to homeownership, its benefits and responsibilities and how owning a home can build equity when compared to renting one. As a first-time homebuyer, it is important that you recognize the nuances of a buyer’s market. Also in limelight are the most vital aspects of buying such as mortgages & creditworthiness, as well as the credit score system, affordability and mortgage plans.

It then moves on to explain the home market and types of homes to look for. “Planning your Search” section provides insights on working with a real estate professional in finding a home. This area stresses the fact that the Internet is the best place to research and gather relevant data.

You can also download a complimentary copy of the “First-time Homebuyer Guide” which contains key tips and checklists to plan your purchase and move.

Making the Purchase

Making a purchase is probably the most crucial juncture in fulfilling the dream of owning a home. This segment covers diverse aspects surrounding the deal. From hiring an inspector to helping you assess the pros and cons of a property, to shopping for mortgage and more, detailed purviews are provided here. This section also covers the value of a home warranty and traditional homeowners insurance along with the benefits of those services. For a homeowner, a home warranty can provide important protection against unexpected expenses when covered major appliances/systems break down due to normal wear and tear.

Settling In

If you have struck a happy deal with the seller and are settling down, refer to this section for links and websites to help homeowners. While many websites listed are primarily the services offered by Service Master, this section also covers some external websites.

Sweepstakes

This area gives an opportunity to enter a drawing to win iTunes gift cards from American Home Shield. Two $50 gift cards and one $500 gift card will be given away each week and an additional $3000 winner will be drawn monthly. The sweepstakes is open now through 10/31/13.

About AHS

American Home Shield is a subsidiary of The ServiceMaster Company and is the industry leader in the home warranty industry. Founded in 1971, AHS services more than 1.3 million customers across 49 states in the US. The Memphis-based company employs approximately 1,800 employees and has a national contractor network made up of over 10,000 independent home-service contractors.

About ServiceMaster

With a global network of more than 7,300 company-owned, franchise and licensed locations, Memphis-based ServiceMaster is one of the world’s largest residential service networks. The company’s high-profile brands are Terminix, TruGreen, American Home Shield, ServiceMaster Clean, Merry Maids, Furniture Medic and AmeriSpec.

Disclaimer: The information provided here is to educate homeowners with the latest industry updates. We are not advising for or against any of the above companies.




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.




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




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

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

Pick The Best Real Estate Agent

How To Pick The Best Real Estate Agent

 

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

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

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

#1. Credentials

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

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

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

#2. License

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

#3. Tenure In The Business

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

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

#4. Listings

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

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

#5. References

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

Do Your Research

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

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




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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If you are a homeowner in Ohio, this is an article that can’t miss! Your home is probably the biggest investment in your life and you know it takes time and money to keep it running well. We’re sure that you would’ve considered a home warranty plan to save yourself hundreds of dollars in repairs and replacements. But are you sure you know about the best companies in your locality? This is why you need to know about the best home warranty companies in Ohio.

Home Warranty Companies In Ohio

Best Appliance Warranties In Ohio

 

Being the 10th most densely populated state in the country, Ohio does have numerous players in the home warranty sector. Yet, some companies have managed to outshine others with exceptional services and great products. You may already be knowing that our website ranks companies based on feedback collected from actual customers. We have also used these reviews to come up with the best home warranty companies in the country. So, based on said reviews, here are the companies that top the list of best appliance warranty providers in Ohio-

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

We’d like to provide you some more details about the companies in this list. HomeWarrantyReviews.com has a detailed page for every company listed with us and we also have a statewise list of companies. So if you have friends and family in other states, do tell them to pay us a visit for getting their home warranty needs to be addressed.

1. American Home Shield (AHS)

American Home Shield (AHS) is a company that laid the foundation of the home warranty industry, Since its inception in 1971, American Home Shield has always been a popular choice among American homeowners. AHS has a nationwide footprint with even some parts of Canada being included in their coverage.

Being one of the first companies to sell warranty products, their experience is close to unmatched. All AHS home warranty plans are designed to cover major appliances and systems at reasonable prices. A typical AHS warranty plan would cost somewhere between $249 – $500+ and the deductible per service visit would cost somewhere between $75 – $125. The company maintains a massive contractor network of over 11,000 skilled and licensed technicians who are selected after a careful screening process. AHS, like most of the top players, maintains around the clock customer service facility and also runs an online claims submission program. Backed by strong reviews, this is one company that totally deserves to be on top of this list.

2. The Home Service Club

Home Service Club or HSC, is a company who considers themselves innovators in the field of home warranty. HSC’s primary focus has always been on providing the best possible service to their customers. The company’s coverage spans 48 states across the country. HSC believes that the frequent surveys and customer feedback programs they conduct are the reason why they are able to stay on top of their game.

HSC’s plans do not mandate a home inspection, neither do they place a restriction on the age of the appliances. A standard plan from HSC will cost around $400 and the deductible per service visit is charged between $65 – $125.

3. Select Home Warranty

Yet another company with huge popularity in Ohio is Select Home Warranty (SHW). Select has a vast national network of contractors and is also a company with a commendable tenure in the home warranty industry. Headquartered in New Jersey, this company covers anything from rental properties and condos to mobile homes.

For homeowners in Ohio, SHW provides three types of home warranty plans each varying in the level of coverage. On an average, SHW’s plans are priced between $299 – $599 and most plans have a service call fee of $60. This is yet another company that does not place a restriction on the age of appliances, neither do they mandate a home inspection.

4. HSA Home Warranty

HSA is a company with close to 30 years experience in the home warranty industry and they also have immensely positive reviews from their customers. Headquartered in Wisconsin, HSA believes that their success is attributed to the problem-solving capabilities and the commitment of their team.

Their primary product, the appliance warranty plan, comes in two variants for Ohio homeowners and they cost between $589 – $619 and their deductible cost ranges between $75 – $100. Customers are also given the option to extend coverage by adding items from a pre-selected list of add-ons.

5. Choice Home Warranty

Choice Home Warranty (CHW) is a company known for providing comprehensive warranty plans to their customers. The company claims that they can cater to the needs of homeowners, real estate agents, buyers and sellers.

CHW offers transferable home warranties to homeowners, buyers and sellers alike. Standard plans are priced between $370 – $450 and the average deductible charge is $60. CHW has a 24/7 customer service facility and also an online claims facility through which customers can manage and track the progress of their claims.

Before You Buy A Home Warranty

While we have indeed provided you with a list of some of the best companies, we recommend that you conduct ample amount of research before you zero in on a choice. Our website would be an excellent place to find out insights about home warranty companies across the country. We suggest that you go through user reviews and go through our statewise list of companies before you decide. We hope you found this useful and don’t hesitate to contact us in case you have a query. Cheers!