Home Warranty – An Infographic View

This infographic depicts the most basic definition of what a Home Warranty is all about. Although the title says that it is for dummies, we’re sure that even people with average/ above average intelligence can keep up!

Now, an appliance warranty is a form of protection your purchase for your household appliances and systems. It is a contract that offers to provide you discounted repair and replacement services should your device sustain any damages.

Home Warranty Dummies

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Coverage

As you can see in the infographic, all major systems and appliances are covered. Now that would include refrigerator, built in ovens and microwaves, washer/ dryer, HVAC units and major systems like plumbing and electrical units. Additional coverage can always be purchased, so you can rest assured that all your devices can be protected!

How Does Home Warranty Plan Work?

This is how it works. When your covered device gets damaged, you simply place a call to the warranty company explaining your situation. If the damage is not an excluded one, your claim will be taken up. The warranty company then sends a technician to your home to fix the damage.

Claims

Let’s discuss the claims part. Like we said, when you notice a damage, all you need to do is inform the warranty company about it. Did you notice that title saying “Common reasons for claim denials”? Yes it is true. Although this does not happen often, it is still noticed that companies often deny claims. The grounds for claim denial varies from company to company and can be understood only after you go through their policy booklet.

However, common reasons for denial are as follows

  • Insufficient maintenance
  • Improper installation
  • Code violations
  • Unusual wear and tear

Don’t worry too much about it. If you choose a reputable company, chances are low that your claims will be unjustly denied.

Premium and Deductible

Moving on, let’s discuss the premiums and deductibles involved. As the image says, the annual premium for most basic warranty plans are somewhere in the range of $250- $500. This can vary depending on the extent of coverage. Larger the coverage, higher the premium.

Each time you raise an issue, you will be expected to pay a deductible/ service call fee (it’s nominal, around $50). The happy news is that there are some companies offering plans at zero deductible.

So there! That’s what the infographic is all about. Isn’t it an awesome image? Cheers!






According to the U.S. Department of Energy, in 2011 natural gas was the most cost efficient way to run appliances and heat a home in the United States. And that may not have changed much since then. If you look at the 2014 Federal Register article regarding projections for near future energy costs by type it seems impossible to not conclude that gas is the cheapest way to run your home’s systems and appliances. While it’s true that each home is different in terms of energy use, it’s apparent that a home with newer systems and appliances that use gas instead of electricity are often much less expensive to operate.

But even if your home’s gas appliances and system components make you happy it’s still a great idea to consider whether or not there’s still room for savings in your monthly budget. That’s what I had in mind when I started looking at just how much it costs on average to run electrical appliances and gas appliances.

If you have gas heating for your home and a gas water heater then you probably already know that gas can cost less compared with electricity. That is, of course, if your home has up to date equipment with the highest available efficiency standards. But if you are still looking for ways to cut your energy costs each month then these are the three major appliances that are probably using the most gas.

Gas Appliances that Consume Highest Energy

The Dryer

According to statistics available on Pacific Gas & Electric Company’s website, a gas clothes dryer will typically cost the user between twelve cents and fifteen cents per load. It may seem like putting more clothing in the dryer at one time would reduce your energy costs, but that’s not always true. If you wind up running the dryer longer in order to get everything inside completely dry then your savings may be little if anything. When weather permits you can cut your usage by line drying clothing, but that assumes that you have a clothes line and the right environment for clothing to dry while staying clean.

Dishwasher

Based on the figures available on PG&E’s website you might see a cost of between fifteen and twenty cents per load when using a gas dishwasher. If your house is like mine then the dishwasher is running at least once per day. It’s hard, and in some cases unsanitary, to avoid using it.

The Oven and Stovetop

In addition to being the choice of many professional chefs, gas ovens and stovetop burners are also very efficient.  PG&E shows an average of twenty one cents per hour in gas cost for this appliance. One way you can cut your energy costs is to use the cooking timer on your oven if your model has this feature. Shutting the oven off automatically at the end of a cooking cycle can avoid extra gas usage and save money over the course of a month.

If you are hoping to calculate your own home’s gas usage, broken down by each appliance I would recommend you look at this free tool from PeoplesGasDelivery.com. It is recommended that you read about energy conservation tips for your home too. Cheers!




Anyone with a fully functional kitchen can tell you with confidence that a dishwasher makes a huge difference when it comes to reducing daily workload. Many other major appliances can also breakdown suddenly, so one needs to lookout for all the major appliances in the home along with the dishwashers. With the advent of new technologies and modifications in dishwashers, they have in fact become efficient in terms of water and power consumption as well. The newer models utilize even less water than hand washing dishes does!

Dishwasher Benefits & top tips on how to select the best one

Mostly, a dishwasher is priced around $800-$1000 and within this range, you are sure to get an efficient dishwasher with a reasonable capacity and silent motor. There are options within a lower price range but they tend to be louder and if you have a bigger load, then not all your dishes might come out clean. Having said this, they might be still adequate for your needs, and at the end of the day, it does depend on how often you use it and to what degree.

High-end dishwashers do come with their advantages, but in a sense, are very close to the mid-range appliances. They do tend to be quicker in washing a load, with additional racks and specialty zones with extra water jets, but if you dig deep enough you might find something which is similar within a $1000.

If the consumption of electricity and water is compared, a dishwasher is, without a doubt, more efficient. One cycle of vessels washed in a dishwasher of medium capacity utilizes about 3 to 5 gallons of water and 1 kWh of energy. Now it isn’t hard to believe that hand washing uses more water – in fact, 5 to 7 times as much – but interestingly even the electricity usage is higher when vessels are hand washed.  The electricity required to heat 20 to 30 gallons of water for hand washing vessels is three times what a dishwasher uses for a cycle.

According to these estimates, a dishwasher saves you anywhere between 300 and 400 kilowatt-hours of energy in a year, and a whole of 3000 to 4000 gallons of water. There is no doubt, dishwashers are one way to efficiently utilize the resources we have.

What’s more, the dishes washed in the dishwasher get a lot more sanitized than the ones washed by hands, for no other reason but the fact that the water inside reaches up to 160°F, a good 50 degrees more than an average hand can bear. These high temperatures handle grease and bacteria in ways that usual washing never can, making dishwashers an excellent addition to your list of household appliances.

What Not to Miss

Technology is always on the move and there is a new innovation every day! Dishwashers are no exceptions. Models are continually evolving; before buying one, do your homework. Give it some time and try and map out your average load size and frequency. How many times do you use a dishwasher? Daily or, twice a week? Do your vessels usually have high levels of grease and crust or are they easy to wash? The answer to these simple questions regarding your routine and style of cooking can help you narrow down a great deal from all the options that are now available.

Warranty is another extremely important feature – one or more years for free parts and repair is never something to take lightly. Especially when an appliance is used consistently, it is bound to need servicing and replacement of parts one way or another. And it makes sense for every homeowner to know how to effectively take care of all of the appliances, let alone dishwashers!

Modern technology has improved the dishwasher to a get extent, and manufacturers have even come up with models that function at nothing louder than a low hum. With chic controls, efficiency in energy and water use, stainless steel body, and interiors for zero rust and perks like water softeners built into the system so that your dishes are sprightly clean without any hassle, these dishwashers are no longer aesthetic eyesores. In fact, you are going to want to show them off! That said, there is no doubt that they are priced proportionately to their features, so be prepared before you stray to the high-end aisle in the showroom.

The world of almost-robots being a part of our daily lives is here and has entered our homes and workspaces. Many companies have also introduced “Smart” Dishwashers, which use sensors to check cleaning during wash cycles, allowing for customization of your machine settings to meet your load settings and retain optimum efficiency.  If you are looking for something in which you don’t have to interfere at all, then a smart dishwasher is what you need.

Buttons, Controls, Aesthetics and Styling

If machines can function all with sensors, then there is no doubt that controls have become a lot simpler. Whirlpool has introduced a dishwasher which functions with just a single push of a button – a One-Touch control.

Dishwasher controls can be broadly divided into push buttons, dials, and electronic control pads. While mechanical controls such as buttons and dials are a lot more reliable and actually easier to use, the trend has moved towards electronic for its style and trendy aesthetic.

Besides just putting it on, there are usually three kinds of cycles a dishwasher offers – Light, Normal and Heavy. Some washers also provide for a Gentle cycle for people who wish to wash fragile dishes made of crystal and china in dishwashers as well.

The last control is one that adds a timer to the mix, allowing the user to set the load to start at a later time.

Aesthetics have become extremely important when it comes to any room of the house, and appliances becoming trendier is the natural course that design is to take. Instead of hiding their dishwasher under a ledge or behind cabinet doors, people choose to customize the appliance to match the design of the kitchen. Usually, they come in tones of steel, white and black. Lately, companies have begun to offer customized finished to match their cabinet surfaces and tiles. In fact, companies such as ASKO have started a Designers Series in home appliances, with a variety of colors that can even be matched exactly to the shade of your wall or cabinet.

Dishwasher Capacity

Conventional dishwashers are generally of the same size because they are made to fit under a standard height counter which is 24 inches wide. European models are usually smaller than American ones. The most important element when it comes to the capacity of a dishwasher is actually it’s flexibility in rack sizes and shapes, allowing you to snuggly fit in a variety dishes and kitchen implements. Your options might include, terraced racks, fold down trays, and adjustable or removable stands.

Energy-Efficient Dishwashers

Post the federal regulations that were imposed in the late 20th century, dishwashers have become twice as efficient in the use of both water and electricity. This minimized usage is resulting in dips in owner’s electricity bills. Experts opinions and research shows that the maximum amount of energy used in a dishwasher is for the heating of the water, so many new models have inbuilt water heating systems that are localized and efficient. If you invest in one such appliance, then you should be saving up to 20% more on electricity.

Another perk of newer models is that they no longer require you rinse dishes off before you place them in. This not only saves time but also lands up saving water and electricity as the entire process happens in one go without any human intervention. Instead of using soak cycles which waste water, dishwashers have begun to use pressurized sprays to get dishes clean and dry.

Dishwasher Energy-Saving Tips

As we already know, most energy in a dishwasher goes into heating water, then the drying cycles, running the pump and lastly, powering controls. While shopping for a new dishwasher, picking up an energy efficient model is the first step to energy savings, however, there are a few tips on how you could use your dishwasher to the best of its capability.

  • Dishwashers that are being manufactured now are quite powerful, especially when it comes to cleaning. Skip hand-rinsing your dishes, not only would you save water and thereby energy, but also it would let your dishwasher do what it is meant to!
  • Do not over fill your dishwasher. This might lead to in dishes not getting cleaned properly, requiring more than one cycle.
  • There is a huge variety of washing cycles in dishwashers that are in the market now. Experiment and choose what suits your needs the best. The ‘power scrub’  or ‘heavy load’ option may not be necessary for every load.

Four Dishwashers Ideal for Daily Use

KitchenAid KDTE104DSS

KitchenAid Dishwasher

A trendy and efficient model which is also priced reasonably, the KitchenAid dishwasher is one of the quietest in its price range. It has electronic controls situated at the top of the unit, and its one-touch function comes with a Pro-Wash preset that can not only choose the right cycle type for the vessels you load but also alter its settings for more efficient cleaning as it is working. This real-time alteration of settings at such a price is one of its kind, and it also has added features of increased temperatures that kill virtually all the bacteria present.

Bosch 800 Series SHX68T55UC

Bosch 800 Dishwasher

If energy efficiency is what you are looking for then the Bosch 800 series is the way to go. Even though its setting and cycles are standard, elements of modernity are instilled within its functioning, wherein it costs much less to operate as compared to others of its kind.

Electrolux IQ-Touch EI24ID50QS

Electrolux Dishwasher

Electrolux is for individuals who want a dishwasher that can cater to a variety of dishes, materials, and sensitivities. With a very wide range of cycle options and controls, this dishwasher does include cycles that are energy efficient as well.

Samsung DW80F800

Samsung Dishwasher

If you have dishes to clean with crusts and heavy grease stains, then the Samsung DW80F800 is your go to machine. The jets on this unit surpass any other, and as it uses pressure over soak, this appliance is also energy efficient. As a perk, its interiors are stainless steel and resistant to any abrasions.

Home Warranty for your Appliances

Any daily use appliance is bound to sustain routine wear and tear, making its manufacturer’s warranty insufficient. Very rarely do we discard appliances once their warranty gets over, but what we don’t realize is that an appliance needs servicing and repair most once its company-given warranty runs out.

Enter Home Warranty, a simple solution to maintenance and servicing of your home, its appliances, and systems. Everything from scheduled inspections to routine servicing and a claim coverage which will assure that you owe virtually nothing, Home Warranty is an investment worth making. HomeWarrantyReviews.com has a databank of articles, reviews, top ranked companies and guidelines, all catering to consumers who wish to purchase a warranty for their homes. Join the community and look at the research and tools to truly get to know its wide-ranging benefits and policy options offered by companies in your state.




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

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

Coverage

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

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

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

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

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

Making a claim

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

Things to keep in mind

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

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

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

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

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

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

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

Difference between Home Warranty and Builder’s Warranty

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

Builder’s Warranty

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

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




The intensive cultivation of plants in small living spaces, growing a micro-garden has become an urban phenomenon in the past decade. Using gardening tricks like vertical gardening and hanging planters, you can optimize the space at your disposal to garden away from your worries and reap rich health benefits out of it!

What To Do To Have A Micro-Garden?

  • The best the space can give                                       

Growing a micro-garden is all about the management of space – be it a little strip of soil at the base of your porch or a few feet of a landscaped garden on your terrace.

Creating depth and dimension by using mounds, tiny hills and valleys can add to the surface area, and provide for different plant types at the same time.

Give the carrots and beets a little extra room to grow below the surface, allowing for the daisies to flourish in the shallow end.

How to grow a micro-garden in a urban jungle?

Micro-gardening also requires you to plant in tandem with what the space can handle. Planting broccoli and cauliflower in pots for example, narrows down the yield to one plant per pot, each only giving you crop once. On the other hand, salad leaves, peas, peppers or vegetable creepers can last a whole season and feature at the dining table pretty much every meal.

  • Edible yards

Choosing to landscape your yard, however small, with only grass uses up the nutrients in the soil and requires way too much water to maintain. Hit two birds with one stone – aesthetics and fresh organic produce, and all from your own garden.

It doesn’t have to be all about the produce, and along with chemical-free homegrown vegetables can be great for your health, the lush maroons of beet leaves along with dwarf lemon trees and even cherry tomatoes can make for a beautifully landscaped micro-garden – a decorative landscaping strategy!

  • Bees, birds, and butterflies

For your fruit bearing plants to flourish and the plants – both edible and flowering – to retain their strength and reproducing ability each year, pollination cannot be ignored. Herbs such as rosemary and basil act as great pollinators, as do flowers of plants such as squash and eggplant with their bright shades of yellows and violet calling for attention.    

  • Nutritional needs

Gardening in limited yard spaces, pots and containers confine the availability of soil nutrition to a great extent, making it all the more important to consciously fertilize the soil during the planting process with compost and then keep it up with regular top soil additives.

Making sure that the plant grows to its fullest though the space available is restricted, fertilizers can not only boost the speed of fruit bearing but also keep the plant healthy and pest-free.

Nutrition can be kept at its optimum by using companion planting as well. A technique known often as soil real-estate, planting pairs of creepers and trees with tubers – potatoes under tomatoes, or carrots and onions under herb bushes for example – can not only save space but also allow the soils nutrients to cater to the different needs of different plants, often even replenishing itself.

Where To Do Your Micro-Gardening?

  • Anywhere with a little sun

Not all plants require yards and balconies, in fact, those precious kitchen spices and herbs can grow right at the kitchen window sill, as long as they get a daily dose of sunlight. From thyme and parsley to even ginger and tender garlic and pepper, windows work as just the right bridge between the elements outside and the comfort of your home.

It doesn’t have to be herbs in the kitchen, pretty much any window which is east facing can act as an active decorative space – full with pansies, gardenias, and purple passion, amongst many others.

Look at every space with a new perspective, and you can extend your micro-garden to creepers on the mailbox posts, cacti in broken crockery, lettuce along the walkways and even grapevines on the gate.

Hanging gardens aren’t off the table either – containers hanging on fences and railings or even simple hooked pots from the ceiling can overflow with creepers, maybe even some fruit bearing. The added benefit of hanging gardens, as opposed to those rooted in the soil, are that they can be moved around, making them easy to clean and shift according to season or sun exposure.  

  • Creative Upcycling

The fun of micro-gardening is its perfect balance between creativity and good-old landscaping. Don’t think of it as just a conventional utilization of your green thumbs; you can grow your garden in anything from old tires to broken tanks and fish bowls!

Cracked vessels make great containers as well, especially since the crack acts as a ready drainage system.

Decide which plant to pot according to your container size, a large plant will not grow in a small container and the other way round is just a waste of space. Also provide enough water to your container garden, as containers that have soil in them dry out faster and those nutrients flush out sooner.

  • Grow up!

Everyone’s heard of the famous vertical gardens scaling up walls in Hong Kong and Singapore, but they can just as easily be recreated right at home. With vertical gardens, there is a range of methods that you could employ; from the use of a traditional trellis to a recycled pallet planter or hanging hydroponic window gardens.

Accommodating everything from tomatoes and strawberries to squash and melons, these micro-gardens function just the same way as any others do, as long as the plant isn’t one that has very deep roots.

  • Upside down Planters

We’ve explored possibilities flat on the ground, scaling walls and even creeping up poles and pillars, but we have one last treat for you micro-gardeners – upside down hanging gardens.

Provided you choose plants with a dense root structure and support them well, upside down planters can hold and nourish anything from cherry tomatoes to strawberries and even kale – all with the added fun of seeing your garden head first!

  • Just off the ground

For those of you who have space for soil beds, raising the bed a few inches or even a couple of feet off the ground can greatly help the gardening process. Giving the roots more space, allowing the excess water to drain and letting you restrict the soil to only where you want it, raised soil beds maximize space and minimize effort.

Having the plants a couple of feet off the ground reduces your need to hunch as well, a sure blessing for your spine.

Repairs And Maintenance

Besides the weekly dusting off of topsoil, checking for cracks in the containers and weeds strangling the plants, micro-gardening is too close to your living space for you to not keep an eye on its possible repercussions.

None that can cause serious immediate damage, any micro-gardener must know that a part of the job is to keep a check out for seepage on the walls and possible weight bearing issues related to rooftop gardens and heavy planters.

Not allowing these concerns to come in the way of you keeping your green fingers busy, HomeWarrantyReviews.com acts as a threshold for you to enter the world of Home Warranty. A simple, quick and reliable escape from service and repair related errands and coordination. Home Warranty Reviews ensures peace of mind for you by providing with the vast knowledge base of research, ratings, and free tools so that your home never runs out of home warranty coverage according to your specific needs by calculating what exactly you want!

Just as we have discussed the various aspects of micro-gardening, what to do and what not to do when you garden at home and all tips and tricks on how to get the best out of it, HomeWarrantyReviews.com gives you a chance to explore the world of home warranty from the inside, with tips and tricks of its own. With access to reviews from professionals as well as customers, consumer research based articles give you the best of both worlds – the technical aspects as well as the personal experiences of users and agencies.




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.




Tired of seeing your roof green, stained and covered in leaves or in snow? Of all the home maintenance, spring cleaning, repairs and errands a homeowner is fated to, roof cleaning can be one of the most tiresome. Doing a balancing act on the shingles with a broom, a blower and a hose, scrubbing off algae and making sure you don’t have rats and raccoons – it’s not a particularly fun way to spend your Sunday mornings. Unfortunately, keeping your roof clean, damage free and well fitted is of utmost importance, especially when it comes to increasing the life of the tiles and shingles and preventing seepage.

Top tips to clean your roof

Aesthetics of a clean and shiny roof aside, roofs made of asphalt, wood, tiles or shingles all need to be kept dry and clean if you want them to last a good twenty years or so – and it is recommended to replace them altogether every few decades.

Dangerous Or Just An Eyesore?

For starters, one of the primary issues are algae, moss and other parasitic growths. Being exposed to the elements constantly, it is inevitable that the existence of air and water are more than enough to cause things to grow on your roof. Adding to that, limestone fillings and wood beams act as perfect hosts for mold.

Slowly eating into your fillers, wood and drains, the strength of your roof itself is at risk, not to mention the gaps that will appear and cause leaks and seepage issues for the inside of your home as well.

Identifying The Problem

There are three primary growths possible on the surface of roof – algae, moss and lichen.

If you have noticed streaks and stains of black on your roof, then algae is the issue you have to tackle. Reproducing rapidly as long as they get moisture and sun, they tend to fasten themselves to the shingles and feed on limestone, undoing the secured shingles from their place.

A growth that actually stems from the algae itself, lichen is light green and fundamentally a fungal growth. Though it doesn’t hold much water, it does eat away at the top layer of the shingle with time because of its acidic nature.

Last we have moss, a much darker green and dense in appearance. Moss and lichen are much stronger than algae and aren’t easily washed off, the former holding water and soil within its structure that may create an environment for even larger weeds to grow on the shingle surface.

How To Fix It

Roof cleaning can be done in one of three ways.

You can choose to go the complete replacement way – which can be expensive and sometimes unnecessary all together. Even if you have the money, know that replacement is not a permanent solution and the shingles will need maintaining whether they are old or new.

Next, you can hire a professional cleaning agency. Pros – it’s easy, safety is not an issue as they know what they are doing, and technical expertise will help get rid of the problem for an extended period of time, if not permanently. Cons – of course, it is more expensive than doing it yourself and if you don’t check up on how they clean, it is possible that you are being charged for more, or the cleaning is being done with chemicals which will later harm other parts of the house and garden.  

Lastly (and yes, we will tell you everything you need to know on how to do it!) you can choose to clean it yourself. Depending on how handy you are with basic tools, cleaning supplies and a little manual labor, DIY roof cleaning is really that extensive of a task, and it can easily be tackled on a free Sunday morning.

Dos & Don’ts Of DIY Roof Cleaning

Tip 1: The Right Time

Not humid and yet not too hot and sunny, pick the right day to climb up and scrub your roof clean. Humidity or a slight drizzle can make the roof slippery and unmanageable, simultaneously washing off the cleaning agent before it can work its magic. On the other hand, a hot and sunny afternoon can make the solution dry too fast, again not allowing it to act.

Tip 2: Safety Before All Else

If you haven’t done it before, you should know that walking around on a sloped shingled surface can be an art in itself. Before you worry about the right cleaning agent and scrub to use, make sure you have a sturdy ladder and preferably someone to keep watch, non-slip boots with a good grip and maybe even knee pads.

Cover up to save yourself from unnecessary scrapes, cuts and insect bites, especially since the chances of rusted metal nails and clasps are rather high.

Tip 3: A Quick Sweep

Use a simple broom to clean off the leaves and large debris that has collected on the flat areas and in the drainage points of the roof, letting you get a better look at what’s underneath. Don’t try using a rake or any sharp implement as that can damage the shingles, and make sure to sweep in the same direction that the shingles are laid, so as to make sure you don’t land up raising them in the process.

Next, get on work-gloves and clear off the drains, running water through them if necessary.

Tip 4: Choosing The Right Cleaning Solution

This will require a little bit of research, a knowledge of what material your roof is made of and filled in with, and what is causing the damage.

Not wanting to do this every few weeks and have the product at least last a year, it is a good idea to invest in a product that handles algae, moss, weather wear and tear, and damage because of the elements. Additionally, you can choose to coat your shingles or use zinc strips.

If the product sounds too good to be true, then it probably is – cleaning solutions and sprays that claim to solve all your roof damage problems with one swift coat for example are not an option. Pick a solution that is environmentally friendly and doesn’t cause long term harm to the hard wood beams or plants in your garden.

Another way to go is make your own, saving you money and allowing you to control exactly what is going into the cleaning process. One recipe is a mixture of heavy duty bleach (not the one that is for domestic use, but instead the one that you’ll find in a hardware or pool store), dish soap to thicken the bleach and act as a cleaning agent, and hot water to bind it all together. Use a simple garden spray tank to hose the roof with the solution, and wait for it to dry onto the shingles completely. Once dry, then hose it off with just water to make sure all the chemical is washed off.

Not All At Once

You’ll have to be there in person for the entire process, and besides the fact that the roof is sloped and shingled, you are now adding a soapy solution to the mix – a recipe for disaster if you don’t do it right!

Make sure you do one section of the roof at a time, allowing it to dry, be hosed off and dry again before you move to the next section, giving you dry ground to stand on as you move.

The Last Step

Once you’re done, zinc strips can help keep the shingles clean and sparkly for extended amounts of time – some may even say forever! Cost efficient and not too difficult to install, zinc strips fitted to the top of your roof cause metal ions to flow down the surface of the shingles when it rains, killing the lichen and algae and keeping the roof damage free.

More Than Just Cleaning

DIY tips and tricks, maintenance dos and don’ts, and even hiring professionals are all well and good, but even so the bother of service and repair looms over our heads.

While smaller issues such as algae and lichen can be handled right at home, rooftop damage can be a painstaking thing to deal with. From termite infestation to seepage and material damage, one way to make sure you are secure when it comes to such repair costs is Home Warranty.

Functioning much like insurance but with a much wider range of coverage –appliances in your home as well as the structure of the building itself – Home Warranty takes responsibility for all your repair needs.

Get your own estimate using the Home Maintenance Calculator on the HomeWarrantyReviews.com website and get an approximation of how much your home will cost you in repairs, just by feeding in a few simple details. Giving you a comparison between the cost of Home Warranty and that of maintaining it yourself, warranty keeps you prepared for unexpected servicing costs and keeps you covered when it comes to tasks you cannot always do yourself.




Next to the so important health insurance each individual should have, there stands as second in line the home insurance. For homeowners, the home insurance is a specifically well tailored preventive measure any damages should happen to their property. The most important fact before you settle for one certain type of home insurance policy, is to ask yourself which kind of insurance do you actually need.

Home insurance

For example, if you live in a high risk area where floods happen quite often, then you should take an extra option for flood insurance. Certainly because your property lies in a high risk area, the flood insurance for your home is an extra option, it will not be included in the policy, and it will cost more. It is you, who should decide whether you need it or not. Bear in mind that it is not only the physical property which needs protection, but also your personal belongings (i.e. jewelry), and don’t forget about personal liability issues. Find the quickest way to get insurance quotes compared online.

The market offers you plenty of choices, and that is why it is so hard to make a choice. Settle your priorities first, see how much you can afford to pay for the insurance premiums and which are those aspects which definitely need insurance coverage. You have to watch out for the advertisements which offer too high discounts, but little or not effective coverage for you. The points where you can save when buying a home insurance is basically if you apply for one online (can bring you up to 15% savings), there are also certain new buyer discounts, plus if you make no claims for a number of years since you have the insurance, that could lower the price of your insurance with as much as 50% in some cases.

Some of the main coverage factors within a home insurance policy should contain:

  • Buildings cover
  • Contents cover / Contents lost or even damaged when moving
  • Theft from garages
  • Lost/damaged business equipment
  • Alternative accommodation for the insured when needed
  • Food in the freezer / money in the house

Certainly the amounts to which the above mentioned situations are covered for, differs from one insurer to the other, but these should be contained in a standard home insurance plan. As for the extra options you may choose, these are plenty, and each homeowner chooses according to his needs and best interest. On the extra options list you may settle for Accidental Damage, which simply means protection for accidental damage of your stereo equipment for example. Then, the personal possessions cover is yet another extra option, which compensates you for loss of money or credit cards up to a certain coverage

limit, or accidental damage loss or theft of personal items. The family and legal protection extra option will offer coverage for almost any legal costs up to a certain amount, disputes revolving around employment issues, or property and inheritance related ones. Plus, the home emergency option will offer a helping hand in case your door lock breaks, your electrical heating fails, so that you don’t have to worry about the incurring costs a professional would charge for an emergency repair to your home. Check and discus with your family all the available options pertaining to home insurance in general, and settle for the one which is the most affordable and efficient regarding your personal needs.




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

Home Warranty Claims

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

Common Causes of Home Warranty Claims Denial

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

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

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

How to Dispute Home Warranty Claim Denials

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

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

 




Recently Warranty Week Newsletter published a report on home warranty companies market share in U.S. While it is not clear how the estimates were made and what assumptions were in place, the estimated numbers seem to be in the ballpark and must give an approximate idea where the companies stand.

With 41% market share, American Home Shield leads the pack followed by First American (11%), Old Republic (8.3%), CCHS (6%), 2-10 HBW (5.3%), and Fidelity (4.3%). It is interesting to note that the major service providers account for only 76% of the market. According to the report, remaining 24% of the market is shared by small companies and half of which are Internet scam companies which have no credibility whatsoever.

Here is the breakdown of home warranty companies market share :

Company Name Market Share (%)
American Home Shield by Service Master 41
First American Home Buyers Protection 11
Old Republic Home Protection Co. Inc. 8.3
Cross Country Home Services (HMW) 6
2-10 Home Buyers Warranty Corp 5.3
Fidelity National Home Warranty Co. 4.3
Dominion Products and Services Inc. 3.7
Home Service USA Corp. 3.3
American Water Resources Inc. 3.3
Home Security of America (HSA) 2.1
Service America Enterpirse 2.0
Home Warranty of America – HWA 1.7
Land America – BHW 1.5
Broward Factory Service – BFS Less than 1%
Allied Home Warranty Less than 1%
The Warranty Group (ServicePlan) Less than 1%
Warrantech Home Service Less than 1%
Nations Preferred Home Warranty Less than 1%
American Home Gaurdian Less than 1%
America’s Preferred Home Warranty Less than 1%
HISCO Home Warranty Less than 1%
Blue Ribbon Home Warranty Less than 1%
Home Warranty Inc. Less than 1%
RAM Home Warranty (Rehak) Less than 1%
U.S. Home Protective Association Less than 1%
Nicor Services Less than 1%
Others 5%

The $1.5 billion home warranty industry was hit by the real estate downturn and but looking at the growth chart, 2009 was not a bad year. The growth was flat for the last 2 years, but the industry did not experience any negative growth unlike the real estate market.

You can read the home warranty market share report at their website

You can refer to home warranty companies and their offers on our website as well.




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




Comprehending if you should spend up the money, sometimes up to six hundred dollars on a home warranty is a thought buyers and current home owners must consider. There are many examples when buying a home warranty in position is well worth the money and other times that it may not be worth the price.

Is a Home Warranty Worth the Price?

Short sale homes and bank owned homes will usually not shell out for the buyer to have a home warranty in place and in these occurrences it may be wise to have a home warranty. One thing to remember is that home warranty plans normally do not cover pre-existing conditions so knowing that you have an air conditioning unit, that does not function is not a cause to buy the warranty. Since these homes have been possessed in general by people who are at risk of losing the home and possibly lived in the home for many months knowing they were losing the home tend not to take much care of the property. So problems could take place after you take ownership. In this case, you may want to think about a home warranty and the out of pocket cost might be money that is well used up.

Pre-Existing ConditionsIn case the home you are purchasing is quite new, say between one and 5 years, then you may skip home warranty as most things usually don’t go wrong in the first few years. However, a home that is six to twelve years old will possibly start having things like the garbage disposal needing replacing, water heater going out and air conditioning units needing repair so disbursing for a warranty might very well pay off.

First, it is vital to realize that Home Warranty plans are fine to have but it is not a catch-all for replacements and repairs. It is surely not a means to overlook home maintenance. The declaration about “my a/c gets replaced, and my a/c goes out” may or may not be correct in all conditions. Thus, understanding what your contract says will help save some heart ache of what to anticipate when you call the company for a warranty in the time to come.

How to determine KNOWN vs UNKNOWN Pre-Existing Conditions

None of the Home Warranty Companies will cover KNOWN pre-existing conditions. In order to find out an UNKNOWN pre existing coverage, a home inspection is used. If a problem was prominent in the home inspection report and no action was taken, it would be considered as a KNOWN pre-existing condition. Thus, the problem will not be covered by the Home Warranty.

Home warranty pre existing conditions

The reality is, most of the home warranty companies do not ask for or even acknowledge documentation as to the serviceability of anyone’s home which generates a HUGE LOOPHOLE permitting the warranty company the choice of declining the claim based on the convenient ‘Pre-Existing Conditions clause.

The immature homeowner informs them that his house and all the systems are in good operating condition. Initially, the homeowner is told that his/her word is all that is required, but when it is the time to file a claim, the homeowner will find his word against the home warranty’s service technician.

Certainly, the homeowner will lose if the technician finds a ‘pre-existing condition or other unforeseen situation, as the warranty company always goes with the word of their technician!

For instance: A home inspector observed that there was a leaky faucet in the kitchen, it becomes a known pre-existing condition for the buyer. If the buyer appeal that the Seller fix the issue and the Seller gave a receipt upon repair, the buyer would then be required to ask the plumber to warrant his/her work. The Home Warranty Company will not be accountable for the repair.

However, in some cases, where the home examiner did not account a problem or no home examination was carried out before closing, the Home Warranty Company would need a contractor to send so as to diagnose the problem. The Home Warranty Company would also request the contractor if it be a problem caught by the home examiner. In case the answer is “Yes”, then the buyers will be accountable for the repair and if the answer is “NO”, then the Home Warranty will suppose it as an unknown pre-existing condition, and so repair the problem at no cost to the buyer.

Keeping it Conveniently Unclear

Some home warranty companies even show off that a inspection is not required! But that is just what should be needed to begin the condition of the home and its systems and to remove the reason of the ‘pre-existing conditions’ clause. It is safe to have a third party inspection done to protect yourself from future claim denials.

Credentials would show that there were no pre-existing conditions, there were no inappropriately set up or sized systems. But the home warranty companies don’t want documentation as that would remove the chance to take your money.

Clearly the homeowner is the victim in the long run. However, realtors who sell them the incorrect warranty product will lose a future referral. To be fair, there has not been a substitute home warranty product obtainable until now.

So what you expect from your home warranty company?

There are companies which do business differently. One that

  • Requires an inspection first.
  • Has no ‘Pre-Existing Clause’.
  • Will pay on all warrantee able items
  • Realtors can have faith with their reputation
  • You will not find any complaints about.
You can trust the companies that require an inspection by their competent inspectors. First, you get the documents needed to establish the existence of a ‘pre-existing condition’.

If any item does not go by inspection, you have the choice to either have it repaired and be covered by the warranty, or to not repair it and eliminate it from the warranty.




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

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

10/11/08 Update

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

Coupon expires on 12/26/2008

Check out our reviews section for Choice home warranty reviews

11/18/08 Update

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

10/17/08 Update :

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

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

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




According to a news release, Atlanta based AGL Resources, Detroit-based DTE Energy and Tampa-based TECO Energy, Inc. have formed a joint venture to offer home warranty products and services under the brand name “UtiliPRO”

UtiliPRO

UtiliPRO home warranty plan will be launched in Georgia before opening for business in other AGL Resources territories, including Tennessee, Virginia, Maryland and New Jersey and possibly other states also. The firm was established at the tail end of 2009 and is based in Atlanta. UtiliPRO will be headed by former DTE Energy director of business development Kevin McCrackin.

UtiliPRO initially is offering a home warranty appliance repair program that will cover both natural gas and electric appliances as well. The program details are not available, but it appears the company will cover only heating and cooling appliances. Most of the home warranty companies such as American Home Shield offer a blanket policy covering many other appliances in the home. This program is unusual, however, the repair or replacement costs are much higher for heating appliances, so consumers might be willing to pay less and have coverage for large appliances.

“Given current economic conditions, this is an ideal time to launch this new business,” said John W. Somerhalder II, chairman, president and CEO of AGL Resources. “UtiliPRO will help people manage unplanned and expensive repairs of their most important appliances.”

Kevin McCrackin said the backing and experience of three well-regarded utilities – AGL Resources, DTE Energy and TECO Energy – with a desire to provide valued products and services during these challenging times will differentiate UtiliPRO from traditional providers of home warranties.

“UtiliPRO combines the utility business appreciation for effective, efficient processes that deliver consistent, quality service with in-the-home, beyond-the-meter products and services that extend the public trust of their utility into a more direct customer relationship,” McCrackin said.




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

Insurance Landlord needs

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

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

Essential Insurance for Landlords

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

Get a Home Warranty

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

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

Landlord House Insurance

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

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

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

Landlords Contents Insurance

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

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

Umbrella Insurance Policy

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

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

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

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

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

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




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

Fake Reviews

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

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

Penalizing Companies Posting Fake Reviews

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

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




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.




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

top dollar

Step 1: Research For Top Dollar

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

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

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

Step 2: Pricing For Top Dollar

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

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

Step 3: Negotiate For Top Dollar

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

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

Step 4: Add-ons

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

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

Step 5: Aesthetics

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

Strike A Good Deal For Top Dollar

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




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

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

What is Structural Insurance?

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

Structural Insurance & Home Warranty

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

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

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

Site Insurance

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

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

Builder’s Insurance

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

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

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

Why Insurance During Construction is Essential

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

Structural Warranty for self built homes

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

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

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

Home and Structural Warranty

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

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

 




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!