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.






Living in the modern times is a blessing in many ways. When we look back at the way our ancestors lived, we certainly feel grateful about the various developments and innovations in technology. Science is indeed a marvellous field.

Every invention that man has ever made has always been done with the idea of making human life easier. The very first machines, be it the blunt stone tools or the wheel, the idea behind every one of them was to reduce manual effort. Several centuries later, the world we live in today has developed so much that we have a machine for anything and everything.

Let’s take a look at some of the most genius inventions that science has given to the average homeowner.

HVAC units

Appliances That Make Our Lives EasierMan’s need for protection against the bitter cold started with the invention of fire in the early stone ages. Today, we have electrically operated Heating, Ventilation & Air Conditioning units that provide us with the much needed warmth/cool.

HVAC units are large systems which take in air through filters, use coils to alter its temperature and then blow it out through a vent. If you care for your HVAC unit, take a look at our Checklist for HVAC maintenance.

Washing machines

washing machineCan anyone imagine a world without clean clothes? Of course, no! Washing machines are yet another gift the world of technology has given us, one we can’t thank them enough for. Feed in a pile of dirty laundry and out comes fresh, clean fabric!

They save us the effort of hand washing our clothes or the money to buy new clothes, which ever way you want to look at it.

Refrigerators

refrigaratorIf science did not gift us with the refrigerator, we would’ve been surviving on take-outs or slaving away fetching fresh ingredients and cooking them daily. Fridges too make our life

immensely easy by ensuring that we have the provision to store food in our homes.

Refrigerators too have become a staple in every average kitchen. The work by reducing the temperature of edible items which in turn reduces the chances for decay and spoilage. We also have a very informative Refrigerator Maintenance Guide, do take a look!

Dishwashers

Dish washerNobody wants to spend their post-dinner time scrubbing dirty utensils. Dishwashers do that job for us. These appliances provide us the luxury of allowing us to sit back and relax post dinner. All you need to do is load the dirty dishes into it and press a few buttons.

They easily fit into kitchens as they are not that space consuming and is yet another appliance that makes our lives so much more easy. You can also take a quick peek at our Dishwasher Maintenance Guide.

Microwave ovens

Washing MachineThey are a fairly recent invention, nevertheless, they too have become an integral part of the modern kitchen. This gadget is tiny compared to the other appliances. However, its quick cooking time and ease of use has earned the microwave its place in every home’s kitchen. While the radiation it emits is still a heated topic of discussion among staunch environmentalists, this appliance continues to help us immensely in our day to day life.

 

 

And that’s not all!

While we’ve talked about five appliances alone, we want our readers to understand that they are just the few of the many systems that make our life easy. We’re sure everyone who reads this agrees with us on that.

Now, since these beloved appliances do so much for us, shouldn’t we do something for them? Of course we should! If your appliances/ systems are 4+ years old, it is strongly recommended that you purchase a home  warranty to protect your appliances as well as your budget. You can read more about home warranty and its features and benefits!

We hope you found the article interesting, do share your concerns and doubts with us. Cheers!




Do you have a trusted appliance lying around your household for the past few years that you don’t want to give away or replace? Yet you are worried that it’s going to crash pretty soon leaving you with no other option other than repairing it or replacing it with a new one? Fret not! This article will shed some light on how to insure your household appliances against potential breakdowns

Let’s begin by comparing Home Warranty from the Homeowner’s insurance policy. The primary difference between the two is that Home Warranty covers repairs and replacements of failed appliances and systems, while the the Homeowner’s Insurance covers damages caused to your home and its content by natural hazards or theft. You can always find a contractor to repair your damaged appliances, but more often than not the costs involved in such scenarios are rather high. The other option that you have is to apply for a Home Warranty plan.

The Home Warranty plan is a contract of service that covers repairs and replacement of appliances and systems in your home. Depending on the kind and extent of coverage you wish to avail, the annual premium for the Home Warranty plan can range anywhere between $ 250 to $ 450. In addition, each time you approach the warranty company for a service, you have to pay a service fee usually called as the deductible. This is around $ 50. You can take a look at the table below if you want to know he systems and appliances that are covered under the Home Warranty Plans.

Home Appliance Warranty Plans

If you have doubts regarding whether or not your appliances need a Home Warranty Plan right now, take a look at the following chart. It tells you what the average lifespan of the common household appliances.

Table2 for Appliance Warranty article

Now lets discuss the most important question.

What kind of plans are available and do I actually need them?

Let me clear the former first. You have two options, you can either avail an extended warranty for each appliance or you can get a Home Warranty which covers all your appliances. Although, getting extended warranty on each appliance is not a wise decision, the best way out is to get a Home Warranty.It is also suggested that if your appliances are not new and over four years old, getting a Home Warranty will turn out to be highly useful. However, if your home and the appliances you own are reasonably new and still covered by the Manufacturers warranty, you may want to consider taking an extended warranty. You can click here for further details and comparisons between the two.

If you are wondering how this works then here’s the answer. The company offering a Home Warranty plans often sign contracts with vendors offering repair services to appliances. Each time you approach your warranty provider with a claim, they  call up these repair facilities which in turn sends a technician to evaluate the condition of your appliance.He shall decide if your appliance needs to be repaired or replaced.Service charges(deductible fee) of the technician shall be paid by you and it is always nominal.

Things to know about appliance protection plans

If you have read so far, then it would mean that you are genuinely interested to know as much as possible about Home Warranty plans. Few hiccups that you may encounter are as follows:

  • Home warranty plans are a way to ensure security and to reduce maintenance costs. They don’t provide blanket coverage nor do they pay for pre-existing issues.
  • All companies do not offer the best customer service. Make sure that the Home warranty company you choose comes with high recommendations.
  • Ensure that you read the contract for Home Warranty thoroughly.This ensures that conflicts do not arise later.
  • Many a times, it is often seen that Home Warranty companies opt for repairs rather than replacement of the damaged appliance. Further, waiting period for this is also considerably long in some cases. Worst of all, claims are sometimes rejected on unclear grounds or by bringing up small clauses from the contract that are often overlooked by the customers.

It is again stressed that you read your contract carefully and have it looked over multiple times , paying immense attention to the monetary factors.

Do I really need Appliance Protection?

Despite the issues that were mentioned, it is advised that you insure your appliances by availing a Home Warranty Plan. Costs incurred during repairs and replacements can be considerably reduced if you have a sound Appliance Protection plan. Also, if you choose to sell your home while the Home Warranty plan is still valid, the value of the property is likely to be higher than when it is sold without a Home Warranty. Most buyers recommend strongly in favor of Home Warranty plans. You are likely to do the same if your choice of  home warranty provider is good.

Here is the summary of benefits you shall have if you avail a Home Warranty Plan

  • Confidence: This is something that can rarely be bought with money. Home Warranty Plans provide you a tension free life. It does so by relieving you from worries about unexpected expenses occurring due to damage of your appliances.
  • Broad coverage: Almost all your appliances and systems are covered by the U.S. Home warranty contract.
  • Affordable prices: The annual premium as well as the deductible you pay are both affordable to an average U.S. citizen.
  • Budget protection: To those of you who just purchased a new home and had to spend quite a lot on one time expenses like drapes, landscaping etc, the first year in your new home is not the ideal time to expect financial drains due to faulty appliances.
  • Lawsuit avoidance: Assuming that you sold your home while it was still covered by the Home Warranty, any appliance that sustains damages will be taken care of by the home warranty company. If the appliance was not covered by a Home Warranty, it may often result in the buyer suing the seller.

May it be reminded again that reading the contract well is of utmost importance. You can get a free estimate on home warranty from top rated companies on our website before you purchase the plan.




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

extended warranty

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

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

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

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

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

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

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




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

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

Planning Your New Garden

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

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

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

Questions to think when planning your garden

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

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

What to Consider as You Grow

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

Gardening Ideas for Beginners

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

1. Learn About Plant Types

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

2. Gardening Tools

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

3. Plan Your Garden

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

4. PreparationPreparing soil

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

5. Planting

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

6. WateringGarden watering

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

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




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.




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

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

Make a list

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

How to Clean Your House Faster

Start easy

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

Work smarter, not harder

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

Don’t give yourself a headache

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

Be sure to only clean each thing once

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

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

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

About the Author

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




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

Life Insurance Policy

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

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

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

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

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

Types of Life Insurance

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

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

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

 

Term Life Insurance Policy

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

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

Types of Term Life Insurance

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

 

Permanent Life Insurance Policy

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

Types of Permanent Life Insurance

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

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




Since you searched for this online, it is possibly true that you are frustrated beyond possible limits, because your Insurance Company, that you hired to make your life easier, is in fact annoying you. Let’s not waste time, this article explains the strategy that you must adopt in the event that your Insurance company acts tough on your claim.

Let’s take you over the essentials first. The points that follow must be adhered to , otherwise you stand a chance to lose the fight against the Insurance company.

General guidelines

Pursue Insurance Claims

 1. Information

Gather all the information you can regarding your damaged device eg Manufacturer’s name,  model no, batch no, claim center’s details, basically anything that is required. You should have them ready before you call up the Insurance Company. Keep the info that you gathered in the same place, this is will make accessing them easier. Keep your policy booklet and contract ready as well.

2. Maintain Call logs

Once you have gathered all the required information, call the Insurance company. It is suggested that you don’t place your call on Mondays as it is the busiest day of the week. You should keep records of the following:

  • All communication with your Insurance company must be noted down precisely. Details about the following are most significant.
  • Time, date and duration of the call.
  • Name, ID and call center location of the representative you spoke to.
  • Name of the supervisor to whom your call was transferred.
  • Details about the content of your communication.

3. Be nice and pay attention

Remember that being rude is not going to reap any rewards. The Representative on the other end of the line is possibly more frustrated than you are as they have to deal with annoyed customers like you all day.

  • Greet the Representative back, make sure that you have gotten his name and other details right.
  • Politely explain your grievance, ask for their help, give them details that are required.
  • Tell them why you think your claim should be processed.
  • Always keep in mind that your fight is with the Company and the representative has nothing to do with it.

If you follow the above two rules, you might get a positive response from the Insurance company soon. But there are cases where even good manners and genuine claims fall on deaf ears. If you are experiencing something like that, read on.

They still won’t listen- What to do ?

Call them up at a later time:  This may help if the representative you talked to is a kind fellow. Or they may decide to help you just so that you stop annoying them with constant calls. Give it a try.

Speak with a supervisor:  We are not sure how much this would help, but it is still worth a try.

Threaten them: Yes, you read that right. You probably had thought about it already. First, tell them that you had been a loyal customer and that you will be disappointed if your issue is not resolved. If that does not work, threaten them by telling them that you will terminate your contract if your grievances are not solved immediately. When you do this, they will ask you why you want to terminate your contract. Proceed on telling them how your constant pleas and calls were ignored.

Threaten them some more: It might be helpful if you threaten them by saying that you will tarnish their reputation by bad mouthing them. Declare that you are going to publicise the details of how you were treated and you can even tell them that you will announce the same through various social media.

BBB: The Better Business Bureau (BBB) is one such institution that mediates between the customers and the businesses to resolve issues. Place a complaint with them . The BBB is not a government run organization, however they are advocates of integrity and ethics. They do keep records of all the complaints. No institution wishes to be in the bad list of the BBB.

Attorney General’s office: If you genuinely feel that you are being victimized, you can complain to the Attorney General’s office. They will conduct enquiries and try to resolve the issue. If you do not wish to do this, then simply threaten the Insurance Company by telling them that you will complain to the Attorney General’s office.

Last resort: The lawsuit threat. This should not be used unless your case is that compelling. Most biggies in the Insurance field have their positions covered legally and you may lose unless you have a strong case against them.




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




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

Contractor looking for job

Why Work With A Home Warranty Company?

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

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

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

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

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

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

How To Work With A Home Warranty Company?

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

Some of these leading Home Warranty Companies include,

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

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

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


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

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

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

What To Remember Before Becoming A Service Contractor?

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

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

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

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

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

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

Recommended Articles




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

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

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

2. How does a home warranty work?Top

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

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

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

Some Standard coverage may also include appliances like-

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

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

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

5. What is Optional Coverage?Top

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

6. How much does a home warranty cost?Top

Typical home warranty expenses are as follows:

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

7. Who pays for home warranty coverage?Top

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

8. When does coverage begin?Top

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

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

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

9. What are deductibles or  service call fees?Top

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

10. What Can Cause Denial of claims?Top

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

11. What is home inspection?Top

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

12. How do I request for warranty service?Top

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

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

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

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

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

15. What is the replacement policy?Top

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

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

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

17. What is home buyer’s protection?Top

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

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

18. How does a Home warranty plan work?Top

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

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

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

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

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

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

19. Can I renew my home warranty plan?Top

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

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

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

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

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

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

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

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

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

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

 




For the majority of people procuring or selling their home is an important undertaking. So what happens when a real estate closing goes skewed? How can you make sure that your interests are fully protected?

At the law offices, the attorneys offer experienced and knowledgeable legal services to clients involved in real estate disputes.

Real Estate Experts

What all real estate professional must know in order to avoid leaving himself exposed or susceptible to unnecessary lawsuits?

When you imagine about the golden boys of real estate sales, do you call up images of pencil pushers filling out paperwork, documenting transactions, grunting through the trail? Or do you picture the pro with the gift for gab, the Wonder Kid of real estate property elocution; the kind who is to the point at the art of playing matchmaker between buyer and property?

This kind of pro who is off the charts and on the game doesn’t worry about documentation. Why? He’s too busy leaving prospective buyers in a state of shock, open mouthed, standing frozen at the cherry wood stained floors, eyes shining with the gape of remembrance of things past- as the Wonder Kid has brought him back to the very home he now stands in, as if – it would seem – it has been time – traveled straight from his childhood into the present and rebuilt for him alone.

“I’ll take it. Whatever the cost.”

Watch it. This hotshot is the poster child for being taken benefit of. Small details ignored could give you expensive outcomes. It is important to keep in mind that in a controversial society, no one is excused from liability, but there are safety measures that can be taken.

Before knowing the steps to protect your professional reputation, we can talk about the reasons why the trend toward litigation is growing rapidly, mainly in this industry.

Alternative Financing Options are great at making the dream of homeownership a reality for a lot of Americans, but they are increasing difficulty of transactions. With so many cooks in the kitchen expecting a payout, when deals fall flat it creates a Mecca for controversial opportunities.

Merging, Acquisition and Consolidating of real estate companies is causing chaos on data systems and the organization of information. This increases chances for important pieces of data to fall through the cracks and create gaps in the paper trail.

Increase Call for Further Documentation of all dealings and an overall record of the entire process is throwing more curve balls at real estate sale agents who may be hiring small armies to help them in capturing the thorough details. For instance, if a home warranty is recommended verbally by the seller, it’s better to get it in writing from the buyer if he turned it down. if not, realtors may be raising the cost for risking a home warranty lawsuit.

Realtors as Sitting Ducks– A lot of realtors wind up the natural scapegoat as blame usually defaults on them. For example, this takes place through property defects being disclosed after the sale is made – however unplanned – the agreement for lawsuit normally involves the realtor had been aware of the fault.

Risk Management for Every Realtor

  • Recommend a home inspection
  • Develop improved documentation precis
  • Practice clarity in communication
  • Be fair

Recommending a home check is practical and it builds faith. Most new homeowners will not miss the logic in this age will have the same opinion. Those who decline should sign a waiver which documents their decision to refuse. In this way, you will be free from harm should it turn out that there is a household system or appliance in need of repair, in the future. Should the new owner become unruly and make false claims suggesting you had never recommended the inspection, you have it in writing and there is no case.

What else can you do to defend against the threat of legal pursuit? Begin with a property disclosure form and use a standard sales contract. Ensure your staff is detail-oriented and on top of their game with record-keeping. Wording in all documents must be as to the point. Ambiguous language presents more opportunity for debate. Like any other transaction involving the exchange of currency, it is not sensible to carry through transactions with family members or friends.

The final thing a realtor can do to prevent the possibility of legal pursuit is simple enough.

  • Always observe a high code of ethics and carry all business transactions with honesty.
  • Keep the slate clean and the unblemished reputation will surely follow.
  • Stick to higher ground, and consider, the threat of litigation will always appear in the not-too-far-off distance – so do what you can to prevent legal pursuit.

==>Click here to get the Quote For Home Warranty.




HomeWarrantyReviews.com started in 2006 with one mission, to help U.S. homeowners find the right home warranty company.  Since then we’ve seen the home warranty industry prove again and again that, despite the loud voices of critics, there are lots of happy customers receiving a great value from home warranties.  If not for the success stories we receive from customers of many of the top home warranty companies and lots of smaller ones too, we might have adopted a similar opinion of the industry as a whole as those of consumer advocates, journalists, and various other commentators who largely view the home warranty industry as a ripoff.

Television-Ads-Impacts-User-Decision-To-Buy

Building a positive image is a challenge for any company in any industry these days, it’s true.  Every consumer can be heard online, on social media channels, in real time and with the credibility that was once lacking in consumer complaint websites.  It’s hard to discount the opinion of a close friend or family member, after all.  In this sense, social media has become the battlefield for reputation control.  But websites and user platforms like Facebook and Twitter are not the only place that industries go to repair their images or expand their reach.  As old-fashioned as it may seem, there is still cause for advertising on television.

You would think that TV would be a foregone conclusion for every company looking to advertise, but the expense of television and the emergence of effective performance marketing tools that allow advertisers to know precisely what their return on advertising dollars amounts to drive many companies away from television advertising.  Knowing all this, it’s refreshing to see that some of the most well-known companies in the home warranty industry are putting more focus on TV ads.

Take American Home Shield for example:

This ad features a very important topic, confusion among homeowners about what is covered under their homeowner’s insurance.  In a 2007 survey conducted by the National Association of Insurance Commissioners (NAIC,) one-half of respondents believed that a break in the water supply lines connecting to a home would be covered by their homeowner’s insurance.  This is a remarkable statistic in that it reflects a profound gap between the real value of those policies and the value assumed by so many policy owners.  As an industry, home warranty companies are tasked with educating consumers who oftentimes know little or nothing about the service offering commonly referred to as a home warranty.  Though American Home Shield’s ad might seem a bit comical, and it is fun to watch mind you, there is a legitimate reason for portraying the homeowner in it as shocked by the actual coverage he has, compared to what he thought he had.

And then there is this television advertisement from First American Home Buyers Protection:

First American Home Buyers Protection’s advertisement focuses on the frustration and anxiety produced in homeowners by sudden system and appliance problems.  To consumers who already understand what a home warranty is, focusing on cost savings and reduced homeowner stress might seem like an obvious choice for a home warranty advertiser.  But it’s possible that the main point in spending money on TV ads is to expand awareness of the services offered by home warranty companies.  If you look at it that way then it makes more sense to start with the essentials of what a home warranty can do for a homeowner.

If you consider that the strategy of home warranty companies using television is to expand their market, and not just their share of the existing market, then the logical question is whether TV is the medium that will do the job.

A study published last year by MarketShare, a marketing analytics company, would support answering “yes” to that question.  In an article in June 2015, ADWEEK cited that TV ads are still very effective.

“MarketShare’s analysis found that TV advertising effectiveness has remained steady during that time period and outperforms digital and offline channels at driving key performance metrics like sales and new accounts.”

So it’s fair to conclude that TV is still the boss in the advertising world, right?  Well, maybe, but that still doesn’t answer the specific question about whether it will work for the home warranty industry, assuming market growth is the goal.  The reason for our skepticism is that the home warranty market has been around for decades, without a significant increase in market penetration.  Some industry projections assume that the home warranty market will grow annually by roughly 2.5%.  With market penetration at a very, very low rate, perhaps lower than 10% based on our own rough calculations, 2.5% growth is not at all dramatic.  But these are the pessimistic views. So what would the optimistic ones be?  Here’s one possible scenario, one that’s much more optimistic.

Homeownership has changed dramatically in the U.S. since 2008’s housing market collapse.  Many, many more homes are owned by investors now than back then.  And the value proposition from home warranties may just prove to be more compelling for investors than for owners who use their property as a personal residence.  Why?  Well, the assumption we make is that investors have less time to deal with problems than residential homeowners.  When you have many properties and many tenants you naturally have less time to spend calling around to find contractors, coordinating appointments with the ones you choose, and dealing with the payments owed after the work is done.  For owners of investment properties, the home warranty offer may be a much bigger time saver than anything else.  And for businesses that time is money.

If MarketShare’s analysis is correct then there’s little question that TV can still reach consumers. But whether or not those consumers will respond to such a little-known industry as home warranty may take the time to understand.  Industry intelligence providers, ones like IBISWorld, put out detailed studies of industries, home warranty included.  And through those types of studies, it’s possible that industry growth trends that exceed previous estimates may help to infer that TV ads are helping grow the industry’s customer base.  If it does turn out that homeowners who don’t know about home warranty come to know it through TV ads then it will certainly be a compelling sales pitch for agencies selling expensive television ad inventory.

 

 

 




When you compare “promise contracts”, such as home warranties, you must first comprehend exactly what is being assured. You can then evaluate attributes. Fraction of the research should also be aimed at comparing customer’s ratings of the companies that offer the warranties.

Comparing home warranty companies facilitates you to find the policy that suits your budget and needs. A home warranty is an individual policy you can procure to provide coverage for your home’s important appliances and systems. The precise prices and coverage obtainable to you varies by each home warranty company functioning in your area, so comparing the exact rates and services from each company is a significant step when picking a policy for your home.

When buying a home warranty, you are not only giving capital to the supplier, you are also giving your belief that they are going to cover you when you need it most. That’s why it’s so imperative to verify into a company’s history, see how they function and what they ought to offer, plus learn how they entertain their customers. It’s worth exploring before you purchase.

Six Steps to Choose a Home Appliance Warranty

  1. Determine the Coverage: Jot down the kind of coverage you need. Include exact items you want to be covered. Electrical systems and plumbing are typically covered under a basic home warranty, but you have to shell out for coverage for some other main appliances such as spa or garage door opener.
  2. Shortlist companies:  Visit Compare Home Warranties section to make a list of companies that you like. You can also check with your friends and family members or with a local real estate agent for a list of suggested home warranty providers.
  3. Research Providers and Pricing: Note down the pricing and ratings info for each company. You can also get price estimate of appliance warranty policy in the same section. Visit the official website of each warranty company if you desire.  Jot down the overall annual price for your preferred policy from each company.
  4. Talk to Companies: Contact home warranty company and inquire more about pricing information and a quote if the information isn’t available online or to verify data you received online. Ask how much fee they charge for a service call, and make a note of prices for each company next to policy price information you already listed. Ask about the typical wait times for a technician to know if there will be someone available promptly to help you when you need it. Also inquire if emergency and 24-hour service is available. Observe how they handle their customers.
  5. Read the Fine Print: Evaluate policy and service fee prices as well as service terms offered in the contract. Don’t assume anything. Pre-existing conditions are generally not covered. Few companies also require you to get maintenance & inspection done on HVAC units by a professional every year. But some  companies add lots of fine print clauses so as to exclude coverage on many things. This is the MOST important step among all.
  6. Customer Service: Finally, remember to check the customer service of the company you choose. When you call to inquire, observe how they treat you. Are they well mannered and kind or intolerant and impolite? Do you have to waste a lot of time on hold before getting through to speak to someone? Realize what their hours so you can make out whether there be someone accessible to help you when you call for it. Also, discover who the company employs for repairs. Ensure it’s a company individual you are happy with, and that they are near enough that they will be able to facilitate your repairs in a timely manner.

This video will help you compare home warranty companies.




Adding to a long list of home warranty companies which have entered the home service contract space only to quickly exit, Stanley Warranty announced recently that the company is immediately terminating its services.  Visitors to Stanley’s website see this message:

Stanley Warranty

The company’s closing may come as little surprise to those who are aware of last year’s announcement of an investigation into the new company’s business practices.  In June 2015 New Jersey’s Division of Consumer Affairs announced that it had filed a complaint against Stanley Warranty, LLC, alleging that the company had committed acts contrary to its contractual commitments to its customers.  Among the state’s specific complaints against the company were alleged offenses that specifically involved Stanley’s home service contract customers.  Stanley also operated a business unit which provided consumers with extended service agreements for motor vehicles, commonly called auto warranties.

Here’s a quick analysis that we can provide to readers seeking more information about Stanley Warranty’s abrupt closure and the precedences set by other companies that pulled this same move in recent years. Come back to HomeWarrantyReviews.com for updates as we learn more about the fallout from Stanley Warranty’s announcement.

This Isn’t The First Time That A Home Warranty Company Has Gone Belly Up

Like Sensible Home Warranty did in 2014 when it closed shop, Stanley provided no apparent warning to their customers that pre-paid services would not be provided, though at this time it’s still unclear to HomeWarrantyReviews.com whether the company contacted customers via telephone or postal mail prior to closing its doors.  It’s also not known yet whether Stanley’s failure to uphold its commitment to any pre-paid customers will compound the company’s problems with New Jersey’s consumer agency.

Another company in the home warranty space that closed its doors in 2014, Colonial Home Warranty, sought bankruptcy protection.  Through bankruptcy, the company appears to have been able to escape financial responsibility for unfulfilled service contracts and repair bills from their contractors.  Whether or not Stanley Warranty will seek similar protection is not clear at this time.

The Signs Were All Over The Place That Stanley Warranty Was Trouble

Reviews for Stanley Warranty, also known as Stanley Safe Club, here on HomeWarrantyReviews.com are almost entirely negative.  The reviews reflect an apparent trend of the company not honoring its promises to customers or contractors who performed repairs on its behalf.  Many of the worst reviews mention repair contractors pursuing payments from the homeowners after Stanley Warranty failed to fulfill its duty to make those payments in a timely manner.

On its Better Business Bureau page, Stanley Warranty already had an F rating prior to the announcement of its cessation of services to its customers.  On Yelp, a recent review includes a comment about a refund check from the company to the customer, who had canceled services ahead of the expiration of the contract period, being denied due to insufficient funds.  That review was created in December of 2015, leading to the obvious question whether or not Stanley was insolvent well before it closed its doors in 2016.  Interestingly, reading past reviews on Yelp leads you to at least one claim in 2014 that Stanley Warranty had announced on its company website that it was closing.  And no matter how far back in time a reader travels on Yelp, the story seems to be consistently poor, one unhappy customer after another.

Perhaps the most insulting element of this story is that Stanley Warranty sold its service contracts with a promise of zero service fees.  Anyone familiar with the home service contract industry knows that most companies charge a fee, paid by the customer to the service provider, at the time of a service call.  For a company to offer competitive rates with no service fees is a pretty compelling deal for consumers.  And many of the consumers lured in by that deal are now left with every required repair being paid entirely out of their own pockets, despite having paid well in advance for home service contracts from this company.

What Happens Next May Not Be Good For Stanley Warranty’s Pre-Paid Customers

The home warranty industry has a history of companies like Stanley Warranty popping in and out of the space and taking loads of customers’ money out the door when the companies fold or burning up the money received from customers through mismanagement and unhedged risks.  Consumers who have been buying home warranties for years probably recognize some of the company names, ones like Arkidus, Sensible Home Warranty, Colonial Home Warranty, and  Certified Warranties Corporation.  All of these companies have something in common.  They sold home service contracts right up until the day they shut the office lights off and locked the doors.  

This may be the single biggest black eye that the home warranty industry has received in the last decade, and it just keeps happening.  As if companies being able to enter an industry that is so much like insurance, often undetected by the state agencies that regulate their industry, improperly funded, and perhaps even criminally intent on defrauding their customers is not enough, the end result of the companies is consumers left with financial losses sometimes amounting to thousands of dollars in service contract fees paid in advance.  All too often the regulators in the states where the customers live are powerless to retrieve those customers’ funds, and even when bankruptcy courts are involved the individual consumer is usually out of luck when liquidated assets are divided up among registered claimants.

In a nutshell, the chance of Stanley Warranty’s customers seeing refunds is very, very slim.  It’s quite likely that this story will end the same way it did for customers of Sensible Home Warranty in 2014 when that company disappeared overnight.  But that should not stop consumers willing to do whatever they can to seek justice.  Readers who wish to pursue legal action should immediately seek advice from an attorney, preferably one with experience with defunct service contract companies.

What’s A Nice Homeowner To Do?

If there’s any worthwhile piece of advice we can give to our readers who are shopping for a home warranty company it’s this:

Do your homework!  Despite it not always being easy to do, consumers must research companies in the home service contract space before making a purchase.  Here’s an example of the kind of detailed reporting available to consumers trying to evaluate the financial health of companies selling home service contracts in the United States.  That article by Warranty Week is an excellent resource.  Keep in mind that if the home warranty company you choose is using its sales to finance its claims then you can probably count on two things happening.  One, the company will do whatever it can to avoid paying your claims.  Two, the company will eventually get into hot water and close up quickly in order to try to avoid the owners bearing personal responsibility for the actions of the company.

Be safe out there.  And if you are a Stanley Warranty customer who would like to share information with other readers in the same boat as you then please share your story in the comments section below.




Season's greetings!

X’mas greetings!




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

Qualities Of A Good Real Estate Agent

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

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

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

Analyzing Your Real Estate Agent

 Real Estate Agent

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

1. He/She is a part-time agent

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

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

2. Charges very low commission

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

3. Lack of or difficulty in communication

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

4. No, or negligible experience

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

5. No online presence

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

The Final Word  

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

Hope you enjoyed reading this. Cheers!

 




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

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

What is Structural Insurance?

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

Structural Insurance & Home Warranty

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

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

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

Site Insurance

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

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

Builder’s Insurance

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

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

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

Why Insurance During Construction is Essential

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

Structural Warranty for self built homes

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

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

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

Home and Structural Warranty

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

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

 




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

Home Warranty Companies In Ohio

Best Appliance Warranties In Ohio

 

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

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

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

1. American Home Shield (AHS)

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

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

2. The Home Service Club

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

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

3. Select Home Warranty

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

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

4. HSA Home Warranty

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

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

5. Choice Home Warranty

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

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

Before You Buy A Home Warranty

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