Green Advantage Warranty by 2-10 Home Buyers Protection

2-10 Home Buyers Warranty is in the process of launching Green Advantage Warranty as part of protection assurance programs for new and upcoming green building initiatives.

Green Advantage Warranty

The 2-10 home appliance warranty company offers Green Advantage Warranty to builders who meet eco-friendly standards. Builders need to build homes that fulfill the requisites of Energy Star, National Green Building Standard (NGBS), or Leadership in Energy and Environmental Design (LEED) standards.

Green Advantage Warranty includes repairs and replacement of Energy Star certified products and appliances. Coverage includes the replacement of green labeled items, engineered wood products, sustainably harvest lumber, low or no emission finishes and recycled products with accordance of applicable national certification standard.

Scott Cromie, Chairman and Chief Executive officer states that “With one in four homes now certified by green building standards, it is clear that home buyers want a more eco-friendly home, and that offering warranty protection that targets these values offers builders a clear competitive edge,” and also reports “Our new Green Advantage Warranty represents 2-10 Home Buyers’s Warranty commitment to greener business practices, and celebrates the home builders and home buyers who want a greener home and lifestyle. We’re proud to offer a product that meets these standards, while continuing to provide the same leading, trusted protection our company stands behind.”

Builders interested in participating are encouraged to call 877.777.1344 for more information. You can register to 2-10 HBW Green Advantage Warranty, just by adding up a minimal additional fee over the existing standard rate. It is as simple as checking a box next to the certification standard on 2-10 HBW’s Home Enrollment Application.

Green Advantage Warranty is an added policy to the company’s existing home warranty package, including one, two and ten years of coverage offering for new construction home builders. Company’s 10 years warranty covers structural warranty defect. Under the policy of 1-2-10 warranty one year of surety coverage of workmanship and materials. Two years of warranty also covers on systems.

About the company

2-10 Home Buyers Warranty® is in market for more than 30 years, now the company has offered customers and their homeowners the most comprehensive warranty program available. Whether you’re building, selling or buying a home, 2-10 Home Buyers Warranty offers a complete line of warranty, service contracts and risk management products. Since 1980, 2-10 Home Buyers Warranty has provided warranties and service contracts for more than 5.5 million new and pre-owned homes.






Refrigerator maintenance is a vital part of housekeeping that just cannot be ignored. For people who don’t know the first thing about cleaning a fridge, this guide is just for you!

Is your refrigerator running?  Well, you’d better go catch it!

If you are rolling your eyes then maybe you’re not a fan of old jokes.  That’s forgivable.  But that old joke has a tiny bit of truth to it if you own a home.  Your fridge may be running away from you in terms of the electricity it’s using.

refrigerator maintenance tipsThere are two good reasons to maintain your refrigerator. The first is to keep it running as long as possible, but the second is less obvious. Your home’s monthly electricity costs are directly affected by the way you use and keep up your fridge. It’s easy to forget that, but if you get into a habit of following these tips you will begin to see the savings.

3600 Cleaning

The back of your fridge is almost never seen, but it’s the part most in need of regular cleaning. At least once each month you should pull your fridge away from the wall, preferably without unplugging it, in order to clean the operational parts located near the bottom. The best way to do this is to gently clean the coils and other exposed parts with a vacuum cleaner. But be careful not to press against the parts with the vacuum. Doing so may damage some of the more delicate parts. By keeping these parts clean you can help your fridge to optimize its heat dissipation. And that helps the fridge use less electricity.

Dirt-free Surrounding

Don’t let the areas around or on the door gaskets become dirty or greasy.  Keeping the door gaskets clean will allow for a good, tight seal. And the more air you keep inside the fridge the easier it is for the fridge and freezer to maintain ideal temperatures.

Loading it right

Resist the temptation to carelessly load your fridge. Don’t overload it, but also don’t underfill it. An empty fridge is almost as bad as a fridge that is too full. Either way you’re making the refrigerator work harder in order to stay at a constant temperature. If you are the type to keep lots of food around try to make sure the food is distributed evenly and does not obstruct air flow. If you travel a lot or order food regularly then maybe you have an empty or nearly empty fridge. If that’s you then you can use bottles of water to fill the fridge so it runs more efficiently.

Cool it and cover it!

Avoid putting food straight into the fridge after cooking it. Even if you are preparing food to eat later it’s best to cover it and allow it to cool before refrigerating it. Hot things do not help your fridge stay cool. And uncovered foods are problematic too. Though it might not be as obvious as producing odors or being a spill hazard, uncovered foods make your fridge work harder. Ideally you want to keep the moisture in foods and drinks sealed in and not allow it to become part of the air that the fridge must cool.

Debris free drain pan

If your freezer is frost free then you should have a drain pan underneath the fridge. If you have one down there then it’s very important to keep it free from debris. You don’t want to block the drain or cause spills by allowing the pain to fill up with dust and other junk. The best time to clean it is at the same time when you clean the rear of the fridge.

Don’t fiddle with the thermostat

It’s best to keep the fridge and freezer around 37 degrees Fahrenheit and 0 degrees Fahrenheit respectively. Usually you can do this by leaving the thermostat at its middle setting. Turning the thermostat in the fridge down too low can not only increase electricity usage but can sometimes result in the freezer not staying at a safe temperature.

Defrost Care

If you do not have a frost free freezer then it’s important to regularly remove ice and frost from the inside of the freezer. You don’t need to turn off your fridge in most cases. A nice open container of hot water left inside the closed (and emptied) freezer will usually do the trick.

Dry it when you clean it

When you wipe down the inside of your fridge or freezer try to always dry off the surfaces you clean. And if you use disinfectant cleaners to remove meat or egg drippings then be sure to go back over those surfaces with water in order to not leave chemical residues.

Though your refrigerator may not be using as much electricity as your heating and cooling system it still pays off in the long run to maximize its energy efficiency. And if you love to cook it pays off in other ways. Your food will stay fresher, not to mention taste and smell better, if you make these tips part of your regular routine. You can also go through this guide on How to Conserve Electricity At Home And Cut Energy Bills for more information.

If you are an obsessive cleaner, you may also want to look at this elaborate guide on  refrigerator maintenance. You’ll know exactly what to do with each appliance once you go through this. Good luck!




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

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

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

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

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

How does a home protection plan work?

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

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

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

Before deciding on home warranty plans and policies:

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

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

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

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

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

 




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.




Moved into a new home recently? Congrats! We hope the new home brings you loads of happiness. While you might not have started enjoying your new home yet, we’re sure you’ll settle in quickly. Now, this brings us to the topic at hand – what are the most vital elements for a functional kitchen?

Kitchen Appliances

 

If you are a first-time homeowner, things may seem too much to handle, but believe us, by the end of this article, you’ll know exactly what you’ll need for your kitchen.

Before we begin, let us make it clear that we are going to provide you with a list of things that will make your kitchen “functional” and not completely equipped. Only the most essential things will be described in this list. So, if you are a budding chef, this may not be the list you want ;).

So, in no particular order, here goes-

1.  Stove/Induction Cooker

The very idea of having a kitchen is that you can cook your food, which is hard to achieve without a stove or an induction cook-top. Of late, people have been favoring induction cook-tops owing to their many, many advantages. Primarily because they come in compact sizes, generate less heat and do not require gas to function. It also has the added advantage that it is portable. That said, there are still folks who believe that a stove with a fire in it is essential for four walls to become a home.

Give it some thought and depending on the amount of cooking you plan to do, select which type of and what sized stove/induction cook-top you want.

2. Refrigerator

Can’t do without this one either. Nobody can guarantee that you’ll finish all the food you cook. So unless you are heartless enough to simply throw the excess food away, we recommend that you get a refrigerator. Besides, you’ll need a fridge to store some of your groceries, milk, vegetables, fruits and other basic edibles, as most of them decay quickly unless kept chilled.

Thankfully, refrigerators come in all sizes and power ratings. This means that there are plenty of options available in the market to suit your budget and your refrigeration needs.

3. Microwave Oven

Well, you’ll need to heat up all that food you refrigerated, right? Third on this list is the microwave oven which can also multitask as a cooking, baking and grilling appliance should you choose to buy a high-end model. Microwave ovens became a really popular by the 1980’s and in no time became a household staple.

Microwave ovens too come in various sizes and features making it easy for you to pick the one that suits your needs. Mind you, if you get an oven, you may need to buy some special microwave safe containers too.

4. Water Purifier

Unless you plan to boil liters and liters of water using up copious amounts of gas/electricity, investing in a good water purifier may not be a bad idea. It is strongly advised that you don’t skimp on your water purifier because the quality of water you drink largely decides how healthy you will be. Besides, boiling water may not remove harmful chemicals that could potentially damage your kidneys.

5. Blender/Food Processor

Food processors and blenders help save you tons of cash on canned purees and pastes. Besides, nothing matches the flavor provided by freshly ground purees and pastes. If you think you don’t want to buy an expensive food processor right away, opt for a counter-top mixer instead. The high-end mixers often come with features like a chopper, grinder etc that would help you save time in cooking but could be a little expensive.

Don’t Just Buy Them, Maintain Them!

Keeping any appliance in good working order requires regular, if not frequent, maintenance checks and cleaning. We have a host of articles on how to keep your household appliances well conditioned. We recommend that you begin with a checklist for maintaining your refrigerator. You could also look into our article on the list of appliances that makes a homeowner’s life easier.

 




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

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

Assess your finances

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

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

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

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

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

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

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

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

Get your house inspectedhouse inspected

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

Question the sellers

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

Ask for bills

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

Gather all the information you can

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

Get a solicitor

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

Get yourself approved for a mortgage

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

Get everything written down

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

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

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

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




The world has become a smaller place, thanks to our advancing technology. Information about anything under the sun (sometimes even about things beyond the sun) is available to us in a few clicks. In this day and age when everything is available to  professionals on the touch of a fingertip, why should a homeowner struggle to keep up with the responsibilities of owning a house ?The app market was quick to catch up on the home front and release applications that ensure an easy to maintain and more organized home. Let’s take a look at the top ten mobile applications designed with a homeowner in mind.

 1. HomeSavvy

Mobile Apps For Homeowners

Runs on: Android, iOS
Rating: 4.0
Pricing: Free

This app is basically your assistant in home maintenance.
It allows you to set a plan for home maintenance and sends you timely alerts to ensure that you stick to the plan! Chores like fertilizing the lawn, changing batteries etc will be prompted via alerts. The app also has a directory of local businesses too!

Pros:

  • Allows customization of home maintenance schedules
  • Alerts to remind user about tasks
  • Explains DIY tasks
  • Provides preventive methods to save money

Cons:

  • Flexibility is limited
  • Minor bugs on some devices

 

2. Billminder

Billminder App

Runs on: Android, iOS
Rating: 2.4
Price: $1.99

Falling behind on your insurance, electricity, gas or other utility bills can sometimes be troublesome. It will cause a financial penalty too. Hence this is something that no homeowner wants to forget about. Billminder makes sure that it does not happen. Billminder sorts your bills as per  their due dates and alerts you about it. You can even set up for an autopay option. Use this app to make sure that you never have to pay a late fee ever again!

Pros:

  • Tracks all your expenses
  • Personalised charts and reports
  • Syncs important data

Cons:

  • Bugs are not uncommon
  • Displays duplicate bills in some cases

 

 

 

3. BrightNest

Brightnest App

Runs on: iOS, Android
Rating: 3.8
Price: Free

This is an IOS app that assists a homeowner to keep his/her home neat, clean and shiny. The app helps you do home tasks by providing you with a set of simple instructions. It also allows you to a set a schedule for your home maintenance regimes and even alert you to make sure that you stick to the schedule. Be it home decor or cleaning guide, BrightNest provides you all the information you need regarding your home!

Pros:

  • Good performance. No spamming

Cons:

  • Minor bugs and inconsistencies

 

 

4. Priority Matrix

Priority matrix App

Runs on: Android, iOS
Rating: 4.0
Pricing: $2.99

This is an award winning and highly effective task management app. Though this was not designed with a homeowner in mind, many homeowners have attested to the fact that they found this app very useful to perform household tasks on time. Use this app if you are someone who often forgets about urgent tasks around the house.

Pros:

  • Very effective productivity management app
  • Free cloud sync

Cons:

  • Requires an online account

 

 

 

5. Dream Home

DreamHome App

Runs on: Android, windows, iOS
Rating: 3.5
Pricing: Free

Any color, design, decor needs are tackled by this app. You can find inspiring ideas on how to color your home or style your home by looking through the high resolution photos in the app’s gallery. Famous interior designers from around the world have contributed to the gallery. This can in a way be considered as the electronic replacement for magazine clippings that we carry to convey our point across to the sales representative! The paid version is priced at $2.99.

Pros:

  • Large gallery of pictures
  • Designs from world famous interior designers

Cons:

  • Limited use

 

6. HomeLogic Mobile Control

Homelogic App

Runs on: iOS
Rating: 3.5
Price: FreeIf you can access information at the touch of a fingertip, why not do things too? HomeLogic lets you control the lighting, heating, alarm and audio systems through your mobile phone! Working over wifi or Internet, the app is highly useful for controlling already installed HomeLogic products around the house.Pros:

  • Easy and powerful interface
  • Good functionality
  • Optimized for iPhone 5

Cons:

  • Not available on non-iOS devices

 

 

7. Aroundme

Aroundme App

Runs on: Android, iOS
Rating: 4.1
Pricing: Free

Perfect for homeowners who are new to the area. Like the name suggests, the app tells you about all the local businesses, restaurants, grocery shops and anything important around your new home!

Pros:

  • Highly useful for people who are new to a neighborhood
  • Easy to use

Cons:

  • Is inaccurate at times

 

 

 

8. Photo Measures

Photo Measures App

Runs on: iOS, Android, Windows
Rating: 4.3
Pricing: $2.99

Measuring your room with your tape and then writing it on paper is so out of style. Do it the cool new way using Photo Measures! Using this app, you can simply take a photo of the room and write in it’s measurements. Hassle free and easy!

Pros:

  • Highly useful for a variety of professionals

Cons:

  • Crashes have been reported
  • Reload fails often

 

 

9. My home Scr.App.book

My Home sca.app.book

Runs on: Android, iOS, Windows
Rating: 3.2
Pricing: Free

Great to have in case of a peril. Let’s face it, things will go wrong and disasters can happen. And when it does happen, it’s great to have this app on your phone. My home Scr.App.Book lets you take pictures of your home, place bar codes on your possessions and sorts them based on which they are in. Great to use while determining how much insurance you are going to file claim for.

Pros:

  • Useful for estimating insurance claim amount
  • Easy to use

Cons:

  • Errors reported while exporting inventory
  • Minor bugs

 

 

 10. Home Budget

Home Budget App

Runs on: Android, Windows, iOS
Rating: 4.2
Pricing: Free

A very popular money tracking app for homeowners. This is an integrated app designed to make your expense tracking simple. You can input your income and expenditures and and obtain assistance for budgeting.

Pros:

  • Photos of receipts and bills can be attached
  • Budget rollover

Cons:

  • UI not up to the mark
That’s our list of top 10 homeowner friendly apps. Do use them for an enhanced and easier homeownership. Now why don’t you tell us about your favorite home maintenance apps so that the other users could use them? We look forward to hearing your suggestions. Cheers folks!!



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

Insure a Building

Buildings and risk management

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

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

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

Building insurance basics

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

The shopping around needs to include:

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

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




While appliance protection plans are always a wise purchase if your appliances are older than 4 years, you still have to make sure that you chose a home warranty company that has a good reputation. It has been noticed that companies sometimes deny our claims on vague grounds, often quoting fine print from the contract. One major such reason stated for denying claims is lack of maintenance.

More than a handful of customers have reported that their claims were denied stating that the device was badly maintained. While it is understandable that customers feel cheated, we still have to realize that since contracts explicitly mention that lack of maintenance issues are not covered, we can’t expect the company to repair such devices.

Claim Denials for Right ReasonsHome Warranty Claim

Let’s take a look at a story that happened sometime back. A lady bought a home warranty contract thinking that she’ll get some budget protection. Her appliances were well over 4 years old. She briefly breezed through the contract and assumed that except for damages due to hazards, thefts and some explicitly mentioned perils, every other damage was covered. One day, her radiator breaks down. She informs the home warranty company and they send a tech to take a look at the device.

The tech finds out that the device was never serviced for quite a bit of time which eventually led to its breakdown. He innocently reports to the same to our lady who gets mad at the tech and the company. The lady then decides to write about this incident on the internet without realizing that the fault could be on her part. She did not get her devices serviced nor did she read the contract carefully. The company’s reputation suffered due to her carelessness.

Claim Denials for Wrong Reasons

Now let’s take a look at another story. Yet another lady bought a home warranty contract from a company that was not really famous nor did it have a good reputation. She paid her premium and she was a good housekeeper who regularly got her appliances serviced. She turned to her warranty company when her refrigerator malfunctioned. This company then sends over a tech who diagnoses the issue to be one caused due to lack of maintenance. The lady was distraught. She was sure that the issue was something else but what choice did she have? The company in question here, operated without ethics and refused to repair a damage that was legit. This incident too leaves the lady furious and in a position where she would definitely bad mouth the company.

So you see, like a coin with two sides, the home appliance warranty industry too has a good side and a bad side. There are cases where genuine claims were denied just so that the company can make a profit and there were cases where the denial was genuine and the customer could just not accept it.

We understand that nobody wants to encounter such unpleasant experiences. We can’t make these warranty companies behave themselves, so what we can do is to make sure that we don’t associate ourselves with companies that have a bad reputation or are fraudulent.

Improve your Claim Approval Rates

Here’s a list of things you can do to avoid any disputes and conflicts

  • Always, we repeat ALWAYS pick a company that has a good reputation. Consider multiple options, read online reviews, talk to your friends and family, visit the company’s office if possible before you zero in on a company.
  • Never ignore the documents. Always read the policy booklet and the contract thoroughly. You can get someone to look at it as well, just to be on the safer side. Before you sign, make sure that you understand how the plan works and what is excluded and included in the coverage.
  • Pick a company that has a round the clock customer support.
  • Some companies recommend a home inspection prior to signing the contract. They do so, so that pre-existing issues can be detected. If the company does not conduct an inspection, it could be a potential problem. In future, they may deny your claim saying that it was a pre-existing issue. To save yourself, get your home inspected by a professional inspector even if the warranty company does not recommend one.

The bottom Line

We are a team of likeminded people who built HomeWarrantyReviews.com to provide genuine feedback about the industry to its customers, so we are not here to praise the industry or cover-up their mistakes. In the time that we spent here, which is over 9 years, we have come to realize the following:

  • Not all feedback and stories provided by customers are completely true
  • Not all companies are rip-offs
  • Most of the unpleasant incidents reported  occur due to a lack of understanding between the customer and the warranty company.
  • Fraudulent companies exist and one must practice caution so that they don’t end up being cheated.
  • Good experiences are often unreported.

If you keep all these points in mind, we’re sure that your experiences with the home warranty industry will be a pleasant one. Cheers!




The leading real estate portal Angie’s list has released its annual list of best and worst rated companies based on member surveys. Home Warranty companies topped Most Complained List for 3rd Straight Year. Thirty-eight percent of the reports for home warranty companies were “F” grades. In addition, architects, structural engineering and solar panel companies made the bottom ten for the second year in a row. Angie’s List collected nearly 300,000 reports in 2007 from members who graded service companies on overall experience, price, quality, responsiveness and punctuality.

Complained

Here is the list. Visit Angie Hicks Blog to read the complete article Angie’s List Top 10 worst grade earners:

1. Warranty companies

2. Home builders

3. Furniture sales

4. Internet service providers

5. Architects

6. Structural engineering

7. Solar panels

8. Taxi/Shuttle service

9. Entertainment/party services

10. Mattresses

Angie’s List Top 10 best grade earners:

1. Veterinarians

2. Dog walkers

3. Piano tuning

4. Animal training

5. Hauling

6. Hair salons/barbers

7. Upholstery cleaning services

8. Animal/house sitters

9. Window cleaners

10. Lighting services




A home warranty protection is a form of insurance intended to protect homeowners from expensive repairs of appliances and systems. In average home warranty plan, homeowners are required to pay a flat rate deductible for each service call other than an annual fee. Sometimes a seller will put home warranty as a part of the package when negotiating the sale of a home. Other times you may desire to procure a home warranty so as to protect yourself against repairs that may become essential on your home. Though a home warranty will not cover pre-existing conditions in your home, it can be useful way to reduce unpredicted expenses when you possess a home.

Cancel Home Warranty

How to call off Home Warranty?

While home warranties are beneficial to useful older appliances, some homeowners discover that they don’t need the home warranty plan any longer. When this happens the homeowners must take several steps to terminate the home warranty plan so as to avoid additional charges.

Step 1

Get in touch with the home warranty company by telephone to talk to a representative. Tell the representative that you desire to terminate the policy. Inquire the representative about the standard process for terminating.  Ask particularly whether you may expect any prorated premium refund and about cancellation fees. The representative may inform you that you require sending the warranty company a written notice of termination. Obtain the mailing address from the representative along with the representative’s name. If there is an option to cancel by phone you can avail that option, but using snail mail is a better option as you will have a proof of cancellation request.

Step 2

Write a notice to the home warranty company in order to inform them that you want to terminate your policy. Date the notice with the current date and state your policy number and dates of coverage in the notice. Specify the prorated refund information you received from the representative and add the representative’s name. Sign your name at the bottom of the notice.

Step 3

Send the notice via registered post or courier to the address you received from the warranty company representative. Make sure you keep the receipt.

Step 4

Wait for a check from the warranty company with your prorated premium refund. The refund may have a cancellation fee removed from it.

How to End an American Home Shield Warranty?

American Home Shield is 35-year-old company that focuses in offering home warranties. Well-liked among homeowners, contractors and real estate companies, American Home Shield has a wide assortment of appliance, central heating and cooling, and water heater warranty products.
If you are certain to call off your AHS home warranty service, make sure to avoid potential problems by cautiously reviewing your warranty contract before commencing the cancellation process.

Instructions

Step 1

Assess the original American Home Shield contract. The company contract is state-specific with termination terms that are planned to obey the individual states’ consumer protection laws. To avoid being charged unforeseen fees, evaluate the contract before contacting American Home Shield. In case you don’t find your original contract, send a letter via certified postal mail to American Home Shield requesting a copy of the contract for personal records.

The address is as follows:

American Home Shield
P.O. Box 849
Carroll, IA 51401-9901

Step 2

Write a cancellation letter asking for the termination of services. This letter must have the warranty holder’s name, service address, and account number. It should also request that the warranty service be terminated 30 days from the date of the letter. American Home Shield needs a minimum of 30 day’s notice, so set your mind to shell out for an extra month of warranty service.

When mailing the letter have an extra copy mailed to the credit card issuer or the bank being drafted for the automatic monthly payments. Ensure to add a CC postscript to the letter sent to American Home Shield so that it is known that bank has been informed. Do not try to email, fax or call customer service to make cancellation requests, as the receipt of these requests can be difficult to verify.

Step 3

Call credit card issuer or the bank handling the automatic warranty payments and inform the customer service representative that the account is listed to be terminated. Confirm that the copy of the termination letter has been received, and notify the representative of the last expected payment date. Detail the date and time of the phone call along with the name of the representative spoken to.

Step 4

Contact American Home Shield via registered mail requesting for written verification of warranty cancellation. It can take up to 5 weeks to obtain this written confirmation, and once you get it, file it away with the original contract.

Once the cancellation has been verified, watch bank and charge accounts for been confirmed, watch bank and charge accounts for unlawful deductions made by American Home Shield. If money is drafted from an account 30 days after the termination request is made or after termination has been confirmed, call the bank or card issuer. Offer to fax the written cancellation verification and in most circumstances, the bank or credit card issuer will repay the additional charge.




Do you possess a home warranty program? Chances are, if you are a new homeowner, you likely do. But after you have been in your home for a year, you are likely speculating if you should renew your home warranty or not. So many families get themselves in the same situation and expectantly this article will be able to offer you some help.

Renew Your Home WarrantyIn all possibility, when you bought your home you obtained a home warranty covering a range of items in your home, i.e. roof, air conditioner, appliances, heating and plumbing systems, possibly your spa/pool etc. If you had a great Realtor he or she can get the seller to pay for the warranty. So here you are approaching date and questioning if you should renew it or not.

Consider Your Options

Firstly all you should ensure that you inspect your situation properly. This means that you must be careful not to purchase too much insurance or procure coverage for items that you don’t have. So many times, people buy coverage for things like home telephone wiring when they don’t even have a home phone or landline any longer.

How much peace of mind do you require?

For some people, they do not have sufficient money in their savings to pay for a major system repair like a HVAC system. That’s the same thing as a heating or cooling system. You also require making sure that you only purchase coverage for your heating and cooling system if you don’t need for your kitchen items and refrigerator covered as well. Or in case you are not bothered about the AC going out, you may only require coverage for your other major systems and appliances.

Should you renew your home warranty program?

Majority of first time home buyers get to the end of that first year and feel like they want to take the chance on not having a system to be unsuccessful. And the reality is, many of them won’t. But for some people anything that can happen will happen if luck is involved. So for them making the choice to renew is a no brainer.

Things to Consider When Renewing

Consider Several Factors for RenewalWe all are familiar in these economic times coming up with $350 to $600 is a lot of money for most of us. If you certainly did not have to pay for the initial coverage, then there is a doubt that you paid much attention to the cost of your home warranty. No doubt, you had to pay the $50 – $55 service call if you had one and that likely felt like a fine deal, particularly if you had something major go wrong like your hot water heater going bad. Maybe you didn’t have any service calls at all and now you are faced with this renewal expense and there’s a good chance you’re saying “I don’t think so”.

For people who reside in older house, age is definitely a factor to consider. How old are your appliances, your AC and heat pump, the filter motor for your pool, hot water heater, your roof, garage door opener and some of many other things that a home warranty can cover.

You must also factor in the additional costs of the service calls; they have a means of adding up if you have 3 – 4 of them in a year. These certainly are costs over and above the cost of the warranty itself. Study the fine print of your policy before you renew to be sure the items that you may be worried about are really covered. Some of the items you desire to be covered are not in the standard policy but are considered “optional coverage and have supplementary fees. You may have more than one surprise and can be very disappointed if you find out the warranty did not cover “that specific” item.

The additional thing, as a homeowner, you must know that if you don’t have an existing home warranty you can always acquire one. These companies don’t just cater to the new home buyer of a resale home. You can procure a home warranty any time, but you recognize that there will be a 30 day waiting period for it to go into effect.

So how do you approach the renewal question if you are about to purchase a new home warranty?

One way to deal with the query of your right to renew is to just ask the contractor you work with, whether it’s a real estate professional or a home warranty company. If the home warranty that is being offered to you for consideration does not permit you to renew without the company’s consent then you must compare that service contract to others which would allow you to renew freely. It is never a benefit to have a home warranty contract that does not guarantee your right to renew. Actually you risk a lapse in service coverage if you purchase a home warranty that does not guarantee you the permission to renew. Your next home warranty might not provide you instantaneous coverage after buying it, which would leave you with a period which any repairs required, would be 100% out of pocket.

It might appear like you are getting ahead of yourself by distressing about the renewal of contract you might not be interested in renewing. Although you just give yourself the choice of renewing you are better off than being refused or canceled renewal. Never let your policy lapse.  You can continue renewing your policy for the period of time in which you own your home, except if you have had lapses in coverage.




According to press reports, ServiceOne, a home warranty company announces its new brand identity under a new name — OneGuard Home Warranties with expanded operations across Arizona and Texas. The company was first to market with coverage for all unknown pre-existing conditions.

OneGuard

Scott Smith, president and CEO said, “There’s been no buyout or merger and the way we do business will remain unchanged too.” He says the reason for the name change is to unify operations under a new digital brand. “There’s also another warranty company in Nebraska called ServiceOne that often appears in search engine results which causes confusion in the digital space for consumers. Changing the name has become a necessity.”

ServiceOne expanded its service in Texas which exhibits the milestone of the firm with double digit percentage of growth for the past few years. Smith says the name change from ServiceOne to OneGuard (oneguardhomewarranty.com) will allow the firm to better engage consumers via social media and at the same time giving their longtime customers what they have come to expect.

OneGuard has also introduced an updated logo with brand elements and a cutting-edge of interactive website. Jason Meyers, director of marketing and public relations said, “For many years, OneGuard had no digital footprint to speak of. We put a strategic marketing and PR plan together and hired local digital agency, Gate6, which for the second year in a row, ranked #1 in the Phoenix Business Journal’s list of web design firms.”

By collaborating with agency and internal teams, OneGuard implemented a theme-based creative approach to marketing and repackaged the brand for the 21st century.

Meyers created a new tagline, “Because stuff breaks” and says the new positioning will help OneGuard tap new consumer segments worried about costly appliance and air conditioning repairs. “People who bought homes when the economy was good are staying longer. They want to know that when systems break due to normal wear and tear, they’ll be covered. They also don’t want the hassle of wasting precious time. That’s what keeps us relevant.”

Moving forward, OneGuard will continue its long-standing tradition of service and education while offering exclusives such as re-key services, pool and sprinkler coverage, termite, pest control and more. “Our strategy will revolve around consumer outreach, but we also want to help repair the image of home warranties which is often misunderstood. Strengthening relationships with real estate professionals, contractors and community partners is also critical for our continued success,” Meyers said.

About OneGuard Home Warranties OneGuard is one of the fastest-growing, privately-owned home warranty companies in America and is the market leader in Arizona with additional offices throughout Texas. Founded in 1990 as ServiceOne, the company was first-to-market with coverage for all unknown pre-existing conditions and currently maintains the highest customer renewal rate in the home warranty industry. With a focus on service, OneGuard remains committed to building relationships with real estate professionals and contractors while improving the quality of life for homeowners across the Southwest.




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

Insurance Landlord needs

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

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

Essential Insurance for Landlords

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

Get a Home Warranty

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

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

Landlord House Insurance

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

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

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

Landlords Contents Insurance

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

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

Umbrella Insurance Policy

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

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

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

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

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

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




The Illinois department of insurance issued a warning earlier this year to its residents to avoid a Florida based home warranty company Arkidus Home Protection, Inc. Arkidus had been unlawfully advertising home warranty services via the internet to residents of Illinois and in many cases there were documented incidents of these consumers who purchased a warranty not receiving the services promised to them.

The company and its owner, Reinaldo “Ray” Berges has previously been served with a cease and desist order by the Illinois Department of insurance, but continued offering service coverage for household appliances and major system components. The company had its headquarters in Miami though more recent reports suggest that office has been closed for many months.        Arkidus Home Protection

The company has not been granted any certificate of authority to sell insurance or home warranties to the consumers in the state of Illinois, thus the cease and desist order from that state was issued.  This unfortunately may not help recover the money lost by the Illinois consumers who purchased home warranties, also referred to as residential service contracts or home service contracts.

According to the Better Business Bureau (BBB), The consumers have launched over 245 complaints against the company in last three years. BBB indicates in its report that Arkidus conducted its business through a website, www.theahp.net.

BBB is a non- profit organization more than a 100 years old functioning in U.S and Canada. It collects and provides free business reliability reviews on over 4 million businesses. The BBB plays the role of an intermediary between businesses and consumers. Though it is not mandatory for any firm to get accreditation from BBB such accreditation is sought by some companies in order to build faith in their business.  Arkidus is not accredited by BBB and thus the amount of involvement BBB may have had with Arkidus’s customers would have been limited to collecting and documenting complaints and then reporting complaints to the company.  For further recourse consumers who have complaints against Arkidus would likely need legal representation or assistance from consumer protection entities.

According to publicly available information Illinois’s Department of insurance has also received many complaints from customers of Arkidus who allege they have been tricked by that company and were unable to obtain reimbursements for their claims or their canceled contracts.

The complaints from consumers are also publicly available on various websites.  One such complaint posted online was from Jose. E who is a resident of Florida.  In his post he said, “This Company is a scam. I started service with them in May, and they will not honor their policy. I keep getting calls from companies that were dispatched by them. I needed a plumber and an electrician, and both have been harassing me with the remainder of their bill, even though I paid my deductible. Do not purchase anything from this company, they are frauds.”

Arkidus appears to have ceased doing business but for a time the company was successful persuading customers to pay long term contract fees, in some cases for terms of two years or more. These customers spent thousands of dollars in some cases, all of which they now face losing forever.  If significant legal action isn’t taken against the owner of the company it is unlikely that consumers will receive any reimbursement and this whole story will end sadly.  Hence we warn our readers to be cautious about choosing home warranty companies with very little business history, no matter how positive the early reviews of the company may be.

Tips to prevent you from becoming a victim of similar home warranty and insurance scams

  • Reading about incidents like the ones surrounding Arkidus Home Protection’s brief business in the home warranty space may leave you wondering if there is a way to avoid becoming a victim. Here are some things you can keep in mind when choosing an insurance company or home warranty company.
  • When shopping for home warranty or insurance make sure any company you consider doing business with is properly registered and if licensing or bonding is required by your state be certain those things are in order as well.
  • Check a company’s background, reviews and the companies’ customer complaint records which can found on the company’s local Better Business Bureau website.
  • Never purchase financial products such as home warranties or insurance policies from a company which solicits your business at your door without doing the same homework you would with any other company.  Impulse purchases from hard-sales-tactics sales people are very often regretted by the consumers making them.
  • When dealing with sales people face to face try to develop an eye for details, study the business cards and other documents and verifying that the business address furnished is authentic and not just a P.O. Box, short term single office rental or other temporary type of mailing address.  Though legitimate and not alone a sign of trouble, short term addresses and discreet addresses may be a warning sign that you won’t be able to track anybody down when you run into trouble with the product you bought.
  • Always demand a contract for the services provided, claims and reimbursement, and other provisions and then study the fine print carefully before signing the document or making a purchase.
  • Always ask for a bill or invoice and never pay by cash.  Using a check or a credit card can sometimes help you when you seek reimbursement after not receiving what was promised to you by the merchant.

If you suspect you are dealing with the wrong people already or believe you too have been scammed do not delay making a formal report to the appropriate agency or agencies.  Both at the state and national level in the U.S. there are free and fast ways to make your voice heard when you feel you’ve been misled by a business or been the victim of a scam.  The important thing is to act quickly and not give up if you feel your complaint is being documented but not being acted upon.




Claim Denial Reasons Found this useful? Share this with your friends and family, hit the share button and help someone out. Cheers!

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Claim denials are often said to be the most annoying experience for home warranty customers. Although most cases happen due to misunderstandings, we do agree that some companies do deny claims on vague grounds for their profit. But a reputable company would never do that. Let’s take a look at this infographic. It explains the common reasons behind home warranty claim denials and how a customer can verify if the grounds for denial are genuine or not. As shown in the infographic, the most common reasons for claim denial are:
  • Improper maintenance
  • Item not included in coverage
  • Improper installation
  • Damage resulted due to natural hazards
  • Damage resulted from crimes

Some of the above mentioned cases can be avoided, while some cannot be. In situations where the company says that the home warranty claim cannot be processed because the item is not covered or that the damage is due to improper maintenance, refer to your contract. If they say that the damage was pre-existing, there is hardly a way out unless you had a home inspection performed prior to purchasing the contract. Likewise for damages due to crimes and natural hazards, one needs a home insurance and not a home warranty. Which is one reason why you cannot replace a home appliance warranty with a home insurance or vice versa.

How to Minimize Your Chances for Claim Denials?

So now the question is, how do we avoid such incidents of claim denial? Simple, pick a great company. Like the infographic tells us, you have to do rigorous research before picking a warranty provider. This website could be a starting point for that. We have reviews of tens of thousands of customers which can help you choose a reputable company. Once that is done, review the contract or policy document thoroughly. Once you feel that the company is good and that the contract is drawn up pretty decently, you may proceed with the purchase.

How to Dispute Unfairly Denied Claims?

In spite of all the research that you did and picking a good company, if you still find that your claims are being denied unjustly, you can dispute the claim. This basically means to go behind them until they set things right and make amends. It’s quite easy, follow the steps mentioned in the last section. Keep in mind that companies won’t give up that easy, so you make have to make multiple calls to convey your point. While disputing claims, keep the following in mind:

  • Always be polite while speaking to the representative
  • Gather all the information required before making the call
  • If you are sure that your claims are being denied unfairly, inform the company that you will complain about them to concerned authorities like State Insurance Boards and small claims court.
  • You can also share your experience through review websites like HomeWarrantyReviews.com and through various social media pages.

Chances are high that the company will come around and accept you claim.




No human need is greater than a home to live in. While not all of us can afford to buy our dream houses, there are people who are not even sure buying is a good idea. The decision between buying and renting is one that has reduced many a strong willed man to tears.

As folks who work closely with homeowners, we have, over the years gathered knowledge about handling such dilemmas. So we thought we’d write an article to help those faced with the doubt that has plagued many of us – Should I buy a house or should I rent one?

Buying a house

Buying Vs. Renting A House

We know that it is not a silly decision. So here are some points you should give thought to before you lean towards one decision.

1. How long are you planning to live in that area?

This is something that should be considered before anything else. If you are in that city for an assignment or for a short duration, buying a house may not seem like a sensible option. If you plan to settle there permanently, looking into buying will be wise. Rent is often considered by many as dead money. That money never comes back or turns into an investment. So, give due thought to how long you plan to stay in an area and put that down on your list of things to consider.

2. How are your finances?

Does your bank balance match that of Arab Royals’? You could buy a mansion in that case. Is your balance the typical American average? Well, you could maybe buy a house with some aid from loans then. But if you don’t have enough for a down payment, don’t even think about taking loans from several lenders to buy a house. Also, if you have no source of income, loans will never even be an option.

3. Are you looking for an investment or just a roof over your head?

If you plan to buy a house, redecorate and sell (which is an expensive but rewarding business idea), you could probably look into some options for buying. If you are just looking for accommodation, renting an affordable place might seem sensible.

4. Worried about landlord issues?

Believe us when we say this, some folks steer clear of the idea of renting because they are worried that the landlord might be a nightmare. However, don’t let this be the reason that deters from renting. Having a home of your own is indeed a satisfying feel but there is no reason why you should feel small because you stay in a rented house. For many, renting may make more sense financially than buying a home.

Perks Of Buying A House

Buying a house does have formidable benefits. Here are some of them-

  • Tax exemption for all payments you make towards buying a house.
  • A house of your own is a huge asset and can serve as an investment.
  • Mortgage rates are mostly fixed, unlike rent which could go up annually.
  • You could become part of the local community.
  • You’ll be free to do whatever you want in your space – decorate your home as you wish, invite guests as you want and live the way you chose :).

Disadvantages Of Owning A House

Like everything has two sides, owning a home too has a trying side. Let’s take a look at some common disadvantages of owning a house-

  • Maintenance. Or the excess of it. You may want to look into home warranty plans if you want to protect your budget from unexpected repairs.
  • Various kinds of taxes. You’ll have to pay them all!
  • Potential depreciation costs. If a crime/hazard happens in your neighborhood, the value of your home may fall below what you bought it for.
  • Paying for mandatory homeowner’s insurance, if you have a mortgage plan.

Perks Of Renting A House

Well, since it’s better suited for the not so well off, financially, renting offers many advantages over buying. Let’s take a look at some of them –

  • Very little maintenance required. If major systems get damaged, it’s mostly the landlord’s job to get it fixed.
  • No worries about owning a depreciating asset.
  • No mandatory insurances or protection plans, except maybe renter’s insurance.
  • Moving from one city to another or shifting, in general, is easier if you stay in a rented home.

Cons Of Renting A Home

Often called as a dead investment by many, renting comes with its set of heartbreaking disadvantages. Here are some of them-

  • Can’t redecorate/remodel your home as per your desires. Most rental agreements lay down clauses preventing the tenant from making any permanent changes to structures of the home.
  • No tax benefits. The money you pay every month is as good as lost.
  • Not your house, so not your rules. Some landlords are pretty strict about what activities can be done in their house.
  • Most landlords demand a yearly increase in the monthly rental amount.

The Bottom-Line

We can’t decide for you, but we can urge you to strongly consider every aspect before you make a choice. Owning a home is indeed a wonderful experience that is unmatched. If you are already a homeowner and if you are thinking about buying an additional house, we would recommend that you look into easy home maintenance tips & cleaning hacks. You may also want to compare top home warranty companies to ensure that your budget stays protected.




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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Here’s an article to give you a clue about the best home warranty companies in Utah. The state that is defined by vast expanses of deserts and the Wasatch mountain ranges. Utah needs no further introduction. Its capital city, Salt City Lake, attracts many swimmers to its buoyant waters.

Best Home Warranty Companies In Utah

Utah – Best Appliance Warranty Provider

 

If you are a resident of this beautiful state or if you are planning to move to this state, then glancing at a list of the finest home warranty companies operating there is a must! This is what we intend to provide you through this article.

As you may know, we rate companies on the basis of user feedback received from actual customers. So in the order of ratings, here is a list of top warranty providers in Utah –

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

Let’s take a look at each company in more detail, shall we?

1. American Home Shield

Also called as AHS, American Home Shield is one of the most popular home warranty providers in America. They are also the founders of the home warranty industry which means that there are few companies out there that have more experience than AHS. Over the years, they’ve developed plans and products which cater to the needs of buyers, sellers, homeowners and real estate agents alike.

The company offers a wide range of plans suited for most homeowners. All plans are reasonably priced and the annual premiums often range between $249 – $500+ and the deductible per service visit ranges between $65 – $125. The fact that the company is not just backed by experience but also by immensely positive user feedback, makes it one of the top competitors in Utah and the rest of America.

2. The Home Service Club

Considered as an innovator and people friendly company, The Home Service Club (HSC) is yet another popular choice among Utah residents for their home warranty needs. They serve 48 states across the country and have been in business for a very long time. HSC claims that the constant surveys and feedback they collect from customers helps them improve their products and services for the better.

Standard plans offered by HSC are designed to cover major household appliances and systems and are priced competitively. Customers are also free to customize their plans and add items from a list of pre-selected add-ons, enabling them to extend coverage as per their wish. Plans are priced around $400 on average and the deductibles are charged between $65 – $125.

3. Select Home Warranty

With plans designed to prevent any homeowner from losing hair over unexpected repair and replacement costs, Select Home Warranty (SHW), has been a strong player in the home warranty scene of Utah for quite a bit of time. SHW also has a nationwide footprint so their services are not limited for Utah alone. All warranty products offered by SHW are highly praised by their customers and this has led to them being a popular choice among Utah residents.

SHW offers three main plans to their customers each based on different levels of coverage. Annual premiums range between $299 – $499 and all plans have a deductible of $45. Like most other companies on the list, SHW too has a round the clock customer service facility and also an online claims submission feature. All of this along with many, many positive reviews makes SHW a strong choice for home warranty products in Utah.

4. Landmark Home Warranty

Landmark Home Warranty (LHW) is a company which has services in the states of Utah, Arizona, Idaho, Oregon and Texas. Customers have often praised their services to be extremely user friendly. The primary goal of LHW is to provide exceptionally good services to all its customers.

LHW has 4 main plans to offer to their customers, each priced differently and having different levels of coverage. All plans come at a service call fee of $65 charged for each service visit. LHW also offers support to real estate agents to help with their clients. Apart from home warranty services, LHW offers re-keying and heater tune-up services too. The strong feedback from customers and their compelling plans makes Landmark a very sound choice for your home warranty needs.

5. HSA Home Warranty

HSA is a company with over 30 years experience in the home warranty industry. Headquartered in Wisconsin, HSA has quite an extensive coverage across USA. The company has claimed that their primary focus is on nothing other than providing great services to their customers. This is a company that has a wide range of products to offer. From agent programs, E&O insurance policies to live tools like seminars, HSA has more than home warranty plans to sell.

HSA’s primary product, home warranty plan comes in two variants, where the primary difference lies in the extend of coverage offered. Annual premiums range between $589 – $619 and the deductibles are charged between $75 – $100. HSA also has an online claims facility in addition to the 24/7 customer service wing which takes complaints no matter what time it is.

Do Your Research

What we have provided you is a list of companies based on user reviews on our site. We urge our readers to go through some of the reviews and even take a list of Award Winning Home Warranty Companies. It is advisable that you do some extensive research on our website before making a choice.

Should you have any concerns, feel free to holler at us. Cheers!