Common Reasons For Claim Denial [Infographics]

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

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

How to Minimize Your Chances for Claim Denials?

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

How to Dispute Unfairly Denied Claims?

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

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

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






air conditioning system

It’s actually not difficult to tell if your air conditioning system is in need of repairs, but sometimes inexpert and inexperienced homeowners might wonder whether the air conditioner is really not working or it is all in their head. Other homeowners might feel that though their air conditioning system is showing signs that it needs repairs, it is better to look after the problem before it gets worse or before their air conditioning system stops working completely.

When summer heat strikes, the best way to fight back is to turn on your air conditioner. Air conditioning keeps you cool over the summer, and with usual maintenance, your air conditioner ought to perform efficiently even during the hottest months. In case your air conditioner is not functioning as it should, it may be in need of expert attention. You should always call a qualified repair professional as soon as you decide that your air conditioner is not working properly. To know more about home appliances check out our Home Appliance Warranty section.

An Expert Diagnostic Air Conditioning Repair includes:air conditioning repair

  1. Visual inspection of all A/C components
  2. Full system performance test
  3. State of charge and system control tests
  4. Leak test, using an approved-leak detector
  5. Dye detection test (if a slow leak is difficult to detect)

Scheduling an air conditioning repair to ensure your AC system is working at maximum efficiency is always a good idea when facing the hot final weeks of summer.

6 Signs Your Air Conditioner Needs Repairs

Some of the signs are fairly obvious, while others are more subtle. Knowing the warning signs will help you search for professional service before the problems gets out of control.

1. No Cool Air

At some point, you may find that your air conditioning system simply isn’t doing its job. Even at full blast, the air coming from your vents just isn’t as cold as it used to be – or isn’t cold at all. This could be a sign that your system is need of serious repair. For instance, lack of cool air could mean that your system’s compressor has failed. It could also mean that you’re your system’s Freon levels are too low. When that time comes, you might have to to replace the unit.

2. Poor Air Flow

If you are noticing weak or little air flow through your AC vents, the unit’s compressor may be failing. In case your areas or rooms in your home are getting cold air while others are not, then the trouble might be with your duct work and it’s a sign that your AC system needs urgent repair.

Over time, debris can get stuck in your air conditioning vents. Not only this obstructs airflow, but it also presents a health risk to you and your family. Having your air conditioner’s ducts cleaned is a great way to restore airflow and ensure that your AC system is working well when you need it most.

3. Thermostat Problems

At times the trouble is not with the air conditioning unit, but with the thermostat itself. One way to tell if your thermostat is a problem is if one part of your house is very cold while another part remains at the same temperature.

4. Moisture Where It Shouldn’t Be

water leaking from the furnace section of your AC unit.Moisture or leakage around or near your system can be an indication of problems. When you see leaks from your air conditioning system, it can mainly because of two reasons.

In the most serious cases, the leak could be refrigerant. Refrigerant leaks can cause serious health risks to you and your family and need to be repaired at once. You must call an air conditioning repair expert right away.

Water pools adjacent to your air conditioner might show that the drain tube which disposes of the air conditioner condensation is either blocked or broken. This is not as serious an issue, but should be tackled quickly to avoid less important problems like mold growth.

5. Strange Sounds

Squealing, grating, grinding sounds from your air conditioner might be a sign that you need a replacement unit. These noises imply that something is wrong inside the unit. Failure to service the unit could result in a pricey breakdown.

A squealing noise means that the belt has slipped out of place. It may also indicate that a metal component in your air conditioner requires more lubrication. A grinding sound may mean that your motor’s bearings are broken.

6. Strange Odors

Pungent or foul smells from your air conditioning vents normally means that your conditioner’s wire insulation has burned out. Musty smells generally indicates that there is mold inside your unit or ductwork which must be taken care of without delay.

In order to keep away from these issues, it is important to maintain your air conditioning system habitually. It is a costly appliance and must be cared for to add to its lifespan and lessen the need for pricey repairs.

Even if your unit doesn’t need replacement, getting it repaired or serviced can boost up its efficiency and save you money.

Most repairs on air conditioners are quite simple, but homeowners frequently avoid calling a technician as they fear a large bill. In case your AC unit is new, you may find that the repair is covered under a manufacturer’s warranty. Even if it is not, it is good to fix a small problem quickly than to delay and let it grow into a larger problem.




Considering that you are on a website devoted to home warranties, you may already know what a home warranty is. It is essentially a service contract that agrees to provide you with  repair/replacement services for appliances or systems in your home. Most homeowners wonder whether annual premiums are put to better use if they are set aside as emergency fund instead of being paid to warranty providers, hoping that they will come to the rescue if a breakdown happens. The question here is, what if the annual premium is paid and no claim is raised in that year? This article will address the question in detail.

Protect Your Budget

Home Warranty & Budget Protection

 

How Does A Home Warranty Work?

A home warranty company maintains a network of technicians and service vendors, who are dispatched to a customer’s house as and when a claim is raised. The customer is often charged only a service call fee and not the entire expense of fixing a damage. Here’s how home warranty benefits the homeowner

  1. The homeowner doesn’t have to step out of the home to look for a contractor.
  2. The damaged appliance(s) does not need to be taken to a repair outlet.
  3. The cost of repairing the damaged device is usually in hundreds if not thousands.
  4. Some damages are irreparable, which would call for a replacement of the entire appliance, costing a lot.
  5. Home warranties are known in many cases, to increase the sales price of a property.

What they fail to recognize is the very real potential that they will spend more than a few years’ home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Don’t you think it’s worth?

How Does Home Warranty Protect Your Budget?

Many homeowners have expressed concerns about the annual premium that is paid for a year in which no claim was made by them. However, what they fail to recognize is the very real potential that they will spend more than a few years’ worth of home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Minus a warranty, an average repair cost would be around $500-$1000 for a typical household appliance. Replacing would definitely cost more, sometimes several years worth of annual premiums.

As you can see, annual premiums seem like a very small fee in comparison with the amount you would have to pay if an appliance breaks down.

Let’s take an example of a typical homeowner, we’ll call him Mr. Bond. Mr. Bond believed that setting aside $400 every year for emergency repairs would make more sense than purchasing a home warranty plan. Three years into this practice, his HVAC unit decided to call quits. Mr. Bond asks around and finds out (to his dismay) that a high end HVAC system would cost around $5,800. He had saved up around $1200 and all of that wouldn’t help him get a new one.

Had the story been different and if Mr. Bond had opted for a home warranty instead, he could’ve had the replacement done at a fraction of the cost.

When Is A Home Warranty Not Advisable?

The only time it doesn’t make sense to opt for a home warranty over saving that money is when your house and the appliances in it are new. As a rule, home warranty is only recommended for folks whose house and its contents are over four years old. If you belong to this category, then the chances of your appliances or systems breaking down are low. So paying annual premium to a home warranty provider may not make sense, especially when many of the appliances at your house are still under warranty.

The Final Word

If you meet any of the conditions mentioned below, buying a home warranty will likely provide you with budget protection and not to mention, feeling of confidence. Here are the parameters-

  • If your house is 4+ years old.
  • If you are not great at DIY repairs.
  • If you cannot afford expensive repairs and replacements at frequent intervals.
  • If you do not have time to do a repair yourself or go around looking for a contractor.

If you meet any one of the above mentioned conditions, you will probably benefit from an appliance warranty. As long as you go with a company that is reputable, you should find yourself with nothing but pleasant outcomes.

If you are still unsure, we suggest that you look into our guide for home warranty buyers. Once you do that, you may want to look at some of the best home warranty companies in the country to get things started. Should you have any concerns, don’t hesitate to holler at us. Cheers!




Home Warranty or appliance extended warranty are basically insurance policies for the appliances and systems in your home. Hope you never have to employ them, but glad you have it when your appliance breakdown. With cost of service & electronic components, your repair bill could end up being the same as the price appliance was bought for.

This article will help you in deciding on what is more pertinent, buying a home warranty or extended warranty.

Home Warranty and Extended Warranty – ComparisonHome Warranty or appliance extended warranty

Home Warranty – Valuing Your Possessions

Hands and little house.‘Home Warranty’ is typically provided by the builder to a new homeowner. This covers major household appliances and systems such as washing machine, refrigerators, gas system, central heating and plumbing. Remember, you are only covered if the failure of the appliances or systems is not a result of mishandling or misuse.

 

 

Appliance Extended Warranty

Extended warranty, as the name suggests is usually purchased for a specific appliance(s) or system(s) for a definite period. This warranty is generally provided by the OEM (original equipment manufacturer) or any of their subsidiaries or partners. Extended warranty begins once the standard warranty on the product expires and comes with a cost.

What You Get With Your New Appliance

Manufacturer’s Warranty

The least you must be expecting from a warranty on a new appliance is one year on parts and labor. This home warranty cover flaws in parts and workmanship for that year. Generally this warranty will be on site service except for smaller units that may have to be transported to the nearest service centre at the owner’s cost for repair.

This warranty generally starts from the date the appliance was purchased, delivered or installed.

Appliance warranties may or may not cover “cosmetic” or “customer instruct” claims. Cosmetic claims might be a scratch, broken plastic trim piece or knob. Some manufacturers will cover these claims for the first 30 or 60 days. Customers instruct calls can include installation issued calls or operation calls which will also be covered for the first 30 or 60 days.

Limited Warranty

Limited warranties are extended warranties on specific parts of your appliance. These limited warranties are stated in owner’s manual and have fine print, so ensure you read them carefully. Most of the limited warranties offer the part free of cost, the customer may be asked to pay for labor.

Below are some examples of limited warranties.

  1. Laundry products may have a 2-5 year limited warranty on parts that stop working. Other limited warranties may cover the transmission for up to 5 years and a limited lifetime warranty on a stainless steel tub. The part will be covered but you will generally be liable for the labor and any trip service charge.
  2. Cooking appliances may have an extra 2-5 year limited warranty on ceramic cooking surface, heating elements and electronic controls. This is normally only parts and you need to pay for labor and any trip charges.
  3. Dishwashers may have an additional limited warranty on the pump/motor assembly for 2-5 years. The inner tub may also be covered against rust after 5 years to the lifetime of the appliance. Labor and service charges are your responsibility.
  4. Microwave ovens usually have a 5 year limited warranty on the magnetron. You may be responsible for un-installing the microwave if it is an over-the-range model.

Parts replaced under a limited warranty will not increase the warranty period. Generally they will only be assured for the remaining life of the original product’s warranty period.

Lastly, these extended warranties or any appliance warranties are not transferrable to a second owner so keep this mind while buying or selling a pre-owned product.

Do I require Home or  Extended Warranty?

When repairs on appliances are needed, they can be pricey. Here is a list of appliance types and some repairs that we think might call for a purchase of a repair contract.

Built-in Models

When a major problem occurs, specially a built-in appliance, it may not be easy. Some built in appliances are not uniform in size and cabinet work may be required to replace this appliance. In this case, getting the appliance repaired may be expensive. Contract would definitely be best for this case.

Electronic Models

Many modern day appliances have electronic controls. If you live in an area that is prone to power outages, surges or fluctuations, electronic appliances have a bigger danger of being damaged. Most electronic boards are not low-priced to replace, as some cost well over $300 for the part alone. In this case, an agreement would perhaps be wise.

Gas Range

Majority of gas ranges use electronics for control and ignition of the gas. These parts need service or replacement through the life of the stove. Glow bar igniters in your oven are not hard to replace but the cost for these parts are $50-$150. Control boards cost generally from $100-$250. With these costs alone, you can purchase an agreement.

Standard gas ranges require fewer repairs. These stoves are very simple and can run for a lifetime without a repair. Moreover, of gas stoves can still be used even if you have a power outage. In this case, agreement is not recommended.

Electric Ranges

For electronic, self-clean, glass top stoves, a contract is always recommended. Parts on these stoves are usually pricey. Elements alone can cost almost $200; glass tops can cost $600, and controls up to $250.

In case you are purchasing a simple, basic coil type stove, repairs are fairly low-priced. In most of the cases these repairs can be done by the homeowner and he/she shouldn’t be worried about a repair agreement.

Gas Dryers

Gas dryers must be serviced by skilled technicians only. Sometimes heating problems are difficult to diagnose and can be dangerous if not corrected properly.

 

What you Should Know About Home Warranties and Extended Appliance Warranties

Do your homework BEFORE buying home warranty or extended warranty for your appliances or systems. Understand the “Terms and Conditions” of the contract, specially its limitations.

Be sure you know:

  • Any repair NOT covered
  • If you must get second opinions or price estimates before repair
  • The reputation of the selling agent
  • If the agreement contains a service repair cost “deductible” clause
  • If you have to take the appliance to the repair shop or it will be repaired in your home
  • If you will be reimbursed for consequential damage such as clothing or food loss resulting from freezer failure
  • If the agent is responsible for a repair when the necessary part is no longer available
  • If you can renew annually and what the cost is to do so

Asking the right questions BEFORE PURCHASING will prevent unwelcomed surprises!

 

Differences between Extended Warranties & Home Warranties

Extended Warranty

extended-home-warranties

‘Extended Warranties’ usually mirror your original home appliance warranty, offering repair, service and replacement of major systems and appliances within home that breakdown. Extended warranties can be provided by the manufacturer, the dealer where you purchased it, or third party. Manufacturers will generally let you procure an extended warranty at the time of purchase or during your warranty period. Since these warranties are offered by who made your appliance, so the service will generally be provided by the same people who provide the warranty work.

These service companies usually have the proper training for your appliance and are more knowledgeable about your appliance.  Dealer extended warranties will either service your appliance themselves or use an approved service provider. Either way, the service company must be trained for your appliance similar to the manufacturers extended warranty contract.

Third Party extended warranty is generally managed by a national company. One more thing that you should keep in mind is that some credit card companies extend the manufacturer’s warranty by a full year when you pay using one of their cards.

Home Warranty

Home warranties are all the time, a third party company and are a bit different than extended warranties. These warranties cover your entire home which includes plumbing, HVAC systems, electrical appliances and other items. The cost related with these home warranties is based on the items that are actually being protected and on the type of deductible or service fee you sign up for.

Home warranties can be procured any time without any age restrictions or an inspection of your home and equipment. In addition, sellers, builders and real estate agents provide these home warranties when selling their houses.

These home warranties need to be read very carefully. Home warranties have the most omissions and generally the highest deductible cost to the homeowner.

There are dozens of home warranty companies which do not perform the work themselves. They sub-contract all the work out to independent, generally local, service shops of all types.

 




Green Landscaping is a new trend of sorts and it causes the least harm to our nature so I suggest that you read on. You might already know that Landscaping is essentially the practice of improving the aesthetic appearance of a confined or set area by making use of colors, contours, trees, or plants, you name it. Altering the visible features of an area immensely influences the emotions of the people who constantly occupy that area.

Green landscaping

Over the years, Landscaping has become more than a hobby to many. With the rising amount of pollution and falling levels of energy resources, you may want to consider an alternate way of Landscaping. Why not adopt a method that will not only make your yard stunningly beautiful, but will also help you save the environment and conserve energy too?

That’s what Green Landscaping is all about. Green landscaping, also called as sustainable or eco-landscaping makes use of methods that do not harm the environment in any way. It uses less water, protects the natural vegetation by making use of native or naturalized species, manages the waste disposal efficiently and also optimizes energy usage. And guess what? The costs are much lower too! On the whole it offers healthier and inspirational spaces to people.

People who take up Green Landscaping are often called Green Landscapers, and trust me when I say this, they are not lazy, jobless people who took to Green Landscaping just to kill time. They are highly motivated and they don’t take environmental issues lightly. Green Landscapers treat their designs the way other people would treat Home Insurance, everything must be covered. Based on reading so far, if you genuinely want to start one on your own, do read the rest of the article.

Planning Green Landscape

1. Assess your property

Begin by assessing the site where you plan to start your green landscaping activity. Pay attention to the following:

  • Type of soil– Your soil could be acidic or alkaline. In certain cases soil may contain small amounts of lead, this could be dangerous if your little ones play in it. It is suggested that you get your soil checked. You can call the following number for details – National Lead Information Center at 1-800-424-LEAD
  • Location– Inspect the other details of your site. Determine the amount of sunlight received, mark areas where underground utilities and overhead power supplies are present. Note the shape and size of the property and try to convert that into a map on paper.

2. Research and Plan

  • Brainstorm– Decide what you want your yard to be. It could be a play area, outdoor dining or maybe a bubble to save you from the rest of the world. It’s your choice and it could be anything. However if you plan to start anything that primarily involves plants and vegetation, you should make sure that your site receives ample sunlight. You can also mark the areas that do receive sunlight and use them exclusively for vegetation.
  • Research– If you already have some vegetation there, try to do some research to identify what species they are. It is also suggested that you identify what plants grow in your soil. If you wish to attract a special kind of wildlife, study their behavior and decide what should be put up so that they would flock into your garden.
  • Plan– Once you have gathered all the information, draw up a map and start working on it by breaking it down into manageable parts.

Creating a Green Landscape

The most basic form of Green Landscaping requires minimum effort. All you have to do is reduce the amount of solid waste and conserve water. Eg, you could simply create a compost pile instead of bagging your twigs and leaves.

Don’t see what’s the fun in the idea you just read above? Fair enough, here are some elaborate methods

  • Go green: Since Green Landscaping essentially involves plants ( thats’ a no brainer), make sure you have plenty of them. If there isn’t enough native vegetation, you could plant some after determining the behavior of your soil.
  • Restore drainage conditions: All plants require moisture to thrive well. However excess water may cause them to rot. So it is important that water does not collect at the base of your plants. If you want to incorporate a method that saves water you could try to water your lawn less during summer. You see, grass are programmed in a way that allows them a certain period of dormancy during the summer heat.
  • Promoting soil chemistry and biota: Plants are the keystone species in any garden. What you plant should not contradict the natural ecological profile. If you have your keystone species in place, everything will turn out right.
  • Say no to chemicals: Reduce or better totally avoid the use of chemical fertilizers in your garden. These chemicals tend to pollute the soil, water and air around you. You can always use compost instead. However if you are adamant that you need fertilizers, make sure you use them during fall and spring only. That’s the time it is most beneficial to plants.
  • Reduce emissions: I’ve heard the EPA say that lawn mowers, snow blowers, leaf vacuums and chainsaws are major contributors to the rising pollution. Try to use them as little as possible. You can try shifting to electrically powered tools. This will only reduce pollution as electrical tools also produce emissions. The best way out of this is to use manual tools. It will make sure that no emissions are involved and will also give you some amount of physical exercise. You can cut your gym bills by doing this one.
  • Waste not, Want not: As mentioned before never dispose off your solid plant wastes. They can be the best of fertilizers once they decay. Also avoid throwing around clipped grass and leaves, they can be major sources of water pollution. Recycle your garden pots and flats whenever you can. Try to share large tools with your neighbors. Most importantly save and conserve as much water as you can. Place rain barrels in your yard if you live in a region that receives ample rainfall.

The Bottom-line

 If  I were to write down all the details about green landscaping, I would easily use up an entire hard-disk (of one TB). It is not an easy task, but once you can get into the flow of it, it will be easy and highly rewarding. With the current rate of  fuel consumption, our environment is dying out fast. Nobody wishes to leave behind rotten goods for their children. Do what you can to save nature. Let’s adopt Green Landscaping and make this world a better place to live in.

 




Buying a home is a cherished dream for many first time home buyers, a sort of milestone if you will. A home will probably be the most expensive purchase you ever make in your lifetime, which is why a lot of thought and consideration is given to it. For most home buyers, especially, first timers, the financial cost alone is monumental. If you are someone who is planning to buy a home for the first time, we’d like to warn you about some of the biggest challenges that you will face.

First time home buyers

For convenience, we’ve sorted the challenges into two categories – Financial challenges and maintenance challenges. Let’s begin with the financial challenges.

Major Financial Challenges: For The First Time Home Buyers 

Down Payment

Most buyers cannot afford to pay the entire price in one go. They will typically opt to get a home loan. However, even if you do opt for a home loan, you will still have to pay the down payment, which is a lump sum anywhere between 3%-20% of the sales price of the house. This is often a rather big amount which you will have to arrange yourself. The rest can be paid off with a house loan.

Credit Score

Your credit score is a numerical representation of your creditworthiness. It is often used to estimate risk involved in lending money or resources to a person. Credit scores also decide at what rate of interest a loan should be given to you. So if you do have a house loan, your credit score will be hugely affected. Should you require a loan before your home loan is paid off, the chances are high that such a loan would either be difficult to get or would come at a high interest rate.

Tight budgets

It goes without saying that purchasing a house will take up a huge chunk of your savings. Since you’ll also be using up money to furnish/decorate your new home, you’ll most probably be left with a very tight budget leaving very little room to afford holidays or other recreational activities. You’ll also be paying monthly installments to the bank to pay off your house loan for the next decade or so which would mean that the tight budget will remain tight for a very long time.

Home Maintenance Challenges: For The First Time Home Buyers

Maintaining a home in good condition is no easy task. It is not pocket friendly either, especially when the home is 4+ years old. First time home buyers find home maintenance very taxing, mostly because they are new to this. So, if you are one among the first time home buyers, then here are some things you should worry about-

Leaks and Squeaks

Leaking plumbing is a messy and inconvenient event. It could also cause further damages to the house. Fixing one requires skill and sometimes hefty sums of money. Leaks are one of the most common issues reported by first time home buyers and handling it will require the services of a skilled plumber.

Appliance Breakdowns

Possibly the most expensive kind of maintenance challenge that you will encounter is an appliance breaking down. Big appliances like built-in refrigerators or the HVAC units cost a lot and replacing them could cost you heavily. Sometimes a repair job could fix the issue, but even that requires the skills of an experienced technician and some amount of money.

Preparing Yourself For That Big Purchase

Houses or any kind of property are often considered as solid investments with a very little scope for depreciation. Hence, buying a home is often positively encouraged. Although they are expensive, they could be an asset unlike any other in the long run.

If you did buy a home, your homeowner duties don’t end there. Home maintenance, like we said before, is not an easy or cheap task. This is why most American homeowners swear by a home warranty plan. For older homes, an appliance warranty plan is your best bet for budget protection. They are affordable and come in wide range of coverages. All you need to do is alert your home warranty company when there is a breakdown and you can get the repair done at a nominal fee! Also, it is strongly recommended that you get a home inspection done before moving in to reveal potential damages with the house. It will also help you in deciding whether you need to look for another house if the damages are too many. We also recommend that you read up on whether your need a home warranty or not.

If this article got you worried, we would like to sincerely apologize. We were merely giving out pointers on what to expect when you don the shoes of a homeowner. And like we said, buying a home is a serious step and it comes with an immense sense of accomplishment for many. So if you’ve found your dream home, go ahead and get it! We wish you all the very best with your new home. Cheers!




When it comes to acquiring plumbing skills, there’s no time like the present. The idea has crossed your mind before, but you did not make the time to do it. Study the great advice in this article, and you will be happy that you finally took the time to do so, if you ever have plumbing issues.Fix Home Plumbing Problems

Learning how to put off plumbing problems such as bursting pipes, leaks, and clogged drains is simple with the right tools. Old and new homes similarly require year-round attention to plumbing details, so watching for the signs of plumbing troubles is a must.

Plumbing services can be pricey. Most homeowner want to do what they can to reduce how many time they have to call for help with their drains, pipes and other plumbing features. There are a few easy tips that you can pursue on a usual basis to lessen the need to use plumbing services in your home.

Always explore plumbers thoroughly before you make a decision to use their services. Sometimes plumbers will not be very good at their job, and can even make problems worse than they are. Ensure to look at online reviews, or ask for a referral from a family member or friend. To know more about these things check out our Home Maintenance guide.

If you pack a little knowledge and a few actions of the plumbing trade into your home care toolbox, you will be able to keep away from the kind of plumbing problems that can literally soak you.

Here are 8 tips for spotting and avoiding plumbing problems before they cause serious damage.

1. Leaky toilet. Leaky ToiletToilet repairs are one of the most common plumbing problems. While the toilets themselves don’t tire out, the working parts inside them can. Leaks are a frequent result, and one leaky toilet can waste around 78,000 gallons of water a year, sufficient to fill up a backyard swimming pool!

In case you inspect a leak, test out your theory by pouring a bit of food coloring into the toilet’s tank and waiting overnight. In case the dye shows up in the bowl the next morning, you have got a leak and it’s time to put back the flush valve, an simple job that requires only a few dollars’ investment and a little of your time.

2. Clogging shower, tub or bathroom sink drain.  Bathroom drains can get clogged quickly with hair and soap residue, which is not only a plumbing problem, but a cluttered one as well. Before you find yourself with a flooding backup, clear the way with a dry or wet vacuum, a useful trick of the trade that definitely beats time-consuming extraction with an auger.

3. Kitchen sink backup.  Grease, cooking oil and other fats can literally gunk up the pipes in your kitchen sink, causing serious plumbing problems. In its place, be smart about waste disposal and outfit sinks with strainers to catch errant items and keep them clean. Occasionally flush the drain with a few gallons of boiling water to soften accumulated soap and grease. Applications of products like Roto Rooter’s Pipe Shield can also stop kitchen clogs.

4. Main shutoff valve.  Water shut off valveYour home’s plumbing system can have hundreds of different valves, but knowing the position of just one can avoid thousands of dollars in damage to a home. The main water valve regulates the flow of all water into your home and should work properly to prevent disaster.

To keep away from severe flooding if a plumbing problem were to occur, find the main water valve, which is generally located at the lowest level of your home near the street, then test the valve to ensure it turns off properly. Suspend a large tag labeled main valve from the valve handle to make sure all members of your household can find it before the flood sets in. In case the home will be vacant for a prolonged period of time; it’s smart to shut off this valve before leaving so as to avoid a plumbing problem when you return.

5. Laundry connection.  Another important plumbing point that can be a possible problem is the set of rubber connection hoses on your washing machine, which can be a hazardously weak link in the system. These hoses can dry out, burst and allow thousands of gallons of water to rush into your home. In order to avoid this plumbing problem, check the hoses frequently for blisters and cracks, and be sure to turn off the water supply valves to the washer before leaving home for an extended period of time. Better yet, put back the hoses with steel models, and consider about installing an easy-to-reach, single-lever shutoff valve just for the washer.

6. Outdoor faucets. Keep an eye on outdoor faucets year-round to make sure they are not watering the property without your knowledge, and make repairs and replacements as needed. Once the freezing season begins, turn off all faucets and drain them for winter by loosening the brass cap on the side of each faucet’s valve.

7. Water heater.  Leaking Water heaterWater heaters have quite long life expectancies, but when one leaks, bursts or otherwise breaks down, you can be in for a waterlogged disaster. Check your water heater regularly for signs of rusting or leakage at tank fittings, and if you spot potential problem, call in a certified plumber for a more thorough check to decide whether repair or replacement is in order.

8. Old pipes.  Based on the age of your home and the water lines running to it, pipes made from bygone materials can be main sources for leaks and clogs. Old terra cotta waste lines can be broken and invaded by roots, and steel pipes are apt to internal rusting that can create quite a buildup, ultimately bursting or reducing water pressure to intolerable levels.

Broken-down waste piping can be treated with two methods:

  • Relining, where damaged pipes are left in place but lined with a fiberglass reinforced epoxy, and
  • Pipe bursting, in which a specially designed machine pulls a replacement pipe through the old pipe, dividing the old pipe separately to make room for the new.

As for steel plumbing pipes, take every chance to substitute them with up to date materials. The main horizontal pipes running through the crawl space, running from your home to the street, and pipes leading to bathrooms should be at the top of your substitution list, and sectional upgrades can be done anytime you’re making a home repair that involves opening walls or floors.

Learning a bit about plumbing can be a priceless tool to have in your possession. With the right awareness about plumbing problems and the appliances that they involve, plumbing problem prevention is easy. It can even minimize the need to call a professional for repair services.




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.




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

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

General guidelines

Pursue Insurance Claims

 1. Information

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

2. Maintain Call logs

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

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

3. Be nice and pay attention

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

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

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

They still won’t listen- What to do ?

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

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

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

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

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

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

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




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




Premium Home Warranties or a Deductible Home Warranties? Should I include a Home Warranty contract or not? These are just some of the many questions that you are to deal with before purchasing a home.

Buying Home Warranty Intelligently

You may have done a CIA level inspection of your home-to-be, but sometimes despite it, there is no telling when, why or how a machine will break down and force you to interrupt your everyday chores. Isn’t it a nightmare when you are forced to wait for days to simply wash your clothes or dishes? We don’t want a piling heap of clothes in our living rooms or even a stinking kitchen for that matter. Because with today’s employment demands it is hard and even close to impossible to manage work alongside home chores. So without your appliances to lend you a hand, you may never catch up on your housework.

Stop-Home-Warranties-Problems

 

So what happens if they break down?! The effective solution would be to use a home warranty contract to ensure a quick and reliable way to fix them in time, without coming in between your everyday schedules.

Buying Home Warranties are one such intelligent solution to your problems. Given how crucial it is, we want to cover all the mistakes people usually make while buying Home Warranties. In giving you a heads up, we hope to help avoid frustration, as well as cover all topics before an actual machine crisis ensues.

Here is a list of mistakes a consumer might make when choosing a Home Service Contract-

# 1 – Assuming Home Warranties Are Covered While Buying Properties

When purchasing a home, make sure you are buying from a builder who has covered the Home Warranty costs. While some states make the payment of warranty compulsory, otherwise, builders don’t usually cover the Warranty prices along with the price of the property/home. And in the states where it is compulsory, the home builders register with their respective regulator, thus escaping the need to make sure your warranty is paid. However, this is how it works only in the states where payment of warranty is compulsory. Hence, always make sure your builder is charging you the warranty along with the price of your home. If not, you may be falsely charged while not really availing a Home Warranty contract.

# 2 – Skipping The Inspection Of Your Home-To-Be

Not inspecting can be one of the first and worst mistakes you will ever make while buying a home. It should be obvious that home sellers have a tendency to hide defects within the property! Hence, always schedule a home inspection before purchasing a home which could avoid multiple costs later. If you are unfamiliar with the way a machine works or are ill-equipped to do so, rely on someone observant and knowledgeable in this aspect. Hence, with your own interests at heart, an inspection before moving in, i.e., at least prior to a month, have the home and its appliances inspected thoroughly.

If not the first time, do hire a professional Home Inspector before your warranty plan expires. Hence 12 or 24 months into use, some of the appliances might be showing signs of defect which are unrecognizable for a normal person. This will reduce the risk of ever having to spend either for labor and material costs since the defects would’ve been repaired when it has started to show the first signs. Also, since this will cover all the upcoming four seasons, we recommend you always hire a professional Home Inspector, at the expiration of your Warranty term if not at the time of delivery.

# 3 – Not Reviewing Your Home Warranty Contract

This can lead to disasters in terms of price, be it manual labor or material cost. Some Warranty companies don’t cover all the peripheral prices which are mentioned in the contract, which is why not reviewing a contract can lead to miscommunication between the buyers and the builders. While most plans cover all the appliances within, some might not cover the external structures. And if the model contract doesn’t cover the conventional structures, you can contact the contractor to add coverage to other appliances of your wish.

# 4 – Not Choosing The Right Plan

Since the market is flooded with hundreds of home warranty companies and hence, a mind-numbing number of Home Warranty Plans to pick from, it is all the more difficult to choose a Home Warranty plan that suits your home best.

It should be obvious that a Home Warranty plan used for a newly built home won’t necessarily be the right pick for a property that is a decade old. From HomeWarrantyReviews, you can use our Complaint Resolution Program (CRP) to complain or highlight a company based on your previous experience and also compare Home Warranty companies. This will give you a better insight as to which company could be the right pick for you. Since the CRP complaints can be reviewed by the companies themselves, they can immediately rectify it. Also don’t forget to read our reviews, checking out our Home Warranty Appliance Maintenance Calculator in order to make the right choice.

# 5 – Not Researching Home Warranty Companies

Sometimes after using our Home Appliance Maintenance Calculator, you might find that Home Maintenance cost could be more without a Home Warranty or vice-versa. Using an unbiased guide on Home Warranty plans which is not sponsored by any Home Warranty company, in particular, can help you give a balanced view without misleading you to purchase from a company. For such an unbiased opinion, it is always important to do your own research to evaluate your needs and costs before buying.

Our Home Warranty Appliance Maintenance Calculator calculates as well as compare the costs of repairing with and without a Home Warranty contract. This will hence give you a complete picture regarding whether or not you should buy a certain plan or a certain part of the plan.

Is That It When It Comes To Home Warranties?

Yes and No. As a leading platform for all of your home warranty needs, including getting your fresh quotes in a jiffy to using our knowledge resource of a wealth of articles and the free tools like that of a home maintenance calculator, we always create value for our readers.

So we always advise our readers to be cautious of not reading the fine print in the home warranty contracts, and we’re also against having predetermined opinions on certain companies or not researching enough on the new companies who’ve joined a long list of companies and who yearn to provide a quality service at your doorstep.

Go ahead and give our features a shot!




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




Buyers Protection Group Inc is reportedly buying two units of bankrupt LandAmerica Financial Group Inc for an undisclosed price. The purchase includes Land America Home Warranty division.

Buyers Protection

Once the No. 3 U.S. title insurer, LandAmerica filed for Chapter 11 bankruptcy protection in November 2008 and agreed to sell its largest underwriting businesses, after bigger rival Fidelity National Financial withdrew a $126 million takeover offer.

LandAmerica Home Warranty Company, founded in 1987, provides one-year home warranties in 30 states, concentrating on Arizona, California and Texas. LandAmerica Property Inspections Inc., begun in 2001, is now the nation’s largest employee-based inspection company, the release said. It provides residential and commercial inspections in 14 states. Both companies will change their names after the purchase is completed.

Buyers Protection Group Inc., is an Atlanta-based real estate services firm partially owned by The Stephens Group LLC




Most homeowners are quite concerned about maintaining their household appliances in good working condition. Any homeowner worth his salt will admit that it is no easy task. Hence it calls for some expertise in the form of appliance maintenance plans. What confuses homeowners is the fact that there are so many appliance maintenance plans out there and they end up wondering which ones to sign up for!

Here’s an article that’ll help you decide what plans you need to buy to ensure smooth running of your household appliances, while going easy on the pocket too.

HVAC Maintenance Plan

Plumber at Work

There are quite a few things you need to consider before you decide whether or not you need an appliance maintenance plan.

  1. Age of your appliances: If your appliances are 4+ yrs old, you may need a maintenance plan.
  2. Availability of a trusted contractor: If you don’t have a contractor you can rely upon, it is highly recommended that you purchase a home protection plan.
  3. Sufficient funds for frequent repairs and replacements: Repairs and replacements are expensive to get done. Makes more sense to buy protections plans, right?
  4. Time and skill for DIY repairs: Unless you are a contractor yourself, it is advised that you seek professional help in case an appliance crashes.

In short, folks who have old appliances, lack DIY repair skills and sufficient money and do not have a trusted contractor should purchase some form of protection for their household appliances.

What plan do I purchase?

Let’s make this easier for you. An HVAC maintenance plan covers only heating, ventilation and cooling units. A basic home warranty plan covers all the major systems and appliances in the home which includes HVAC units and other appliances too. In simple terms, the coverage is often more for home warranty contracts.

Let’s take a look at some of the common advantages

  1. Budget protection
  2. Service from qualified and skilled professionals
  3. Increases value of property at the time of sale
  4. Peace of mind.

Now let’s take a look at the advantages separately

Advantage of HVAC maintenance plans:

  • Often includes annual/ half-yearly maintenance routines.
  • Discount on labor and parts
  • May help lower electricity bills

Advantages of Home Warranty plans:

  • Wider coverage. Protects more than just HVAC units. Coverage can be extended as per homeowner’s wish
  • Covers damage that occurs due to regular wear and tear and sometimes even due to lack of maintenance. This does not apply to HVAC maintenance plans.
  • Affordable and transferrable
  • Increases the value of property at the time of sale

Who needs an HVAC maintenance plan?

  • Homeowners who have no time for repairing and maintaining their HVAC units themselves
  • People who don’t have the budget to carry out regular maintenance routines
  • People whose other appliances and systems are reasonably new and well-maintained
  • Folks who require budget protection

The U.S Dept. of Energy advises having your HVAC systems checked at least twice a year. This could be expensive for some.

Who needs a Home Warranty?

Homeowners whose homes are aged should definitely think about purchasing a home warranty plan. It covers more than just your HVAC units. Ideally, following are the types of homeowners who need a home service contract:

  • Homeowners whose homes and the components in it are 4+ yrs old
  • People who lack time and skill for DIY repairs
  • People who lack sufficient funds for costly repairs and replacement services
  • Folks who are first time homeowners

Still undecided?

Although most home warranty plans include coverage for HVAC units, the services are not as extensive as provided by an HVAC plan built specifically with heating and cooling needs in mind. If you feel that you are okay with basic coverage, then it would make more sense to go for a home warranty as your other appliances get protection too. Another option (safer one) is to buy a home warranty plan that covers on general household appliances and electrical systems and then to top it up with an HVAC plan. It may cost a little more than just a single plan, but it will be useful in the long run.

Yet another vital thing to do is to get your HVAC appliances get checked by a professional at least once a year. Regular maintenance checks are often helpful in diagnosing problems at an early state. Hence, no matter what the age or the make is, annual maintenance checks are a must for every HVAC appliance/system.

You can also read about Home Maintenance Tips on our website. We host several articles that explain the maintenance regimes for various household appliances and systems.

Remember, no matter how much thought you give into deciding a plan, if you don’t take the same effort for picking a reputable company, it may disappoint you. Always, we repeat, always select a trusted warranty provider and do sufficient research before you sign the contract. You can visit websites like ours, HomeWarrantyReviews.com, to see reviews and ratings about various warranty providers. Our website provide readers with reviews from genuine customers who are more than willing to share their experiences with others.




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

Stanley Warranty

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

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

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

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

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

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

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

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

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

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

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

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

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

What’s A Nice Homeowner To Do?

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

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

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




Life is certainly unpredictable, you cannot control the outcome but surely can prepare yourself through careful planning and minimize the risk and be on the safer side. Insurance is one such protection mechanism which covers major expenses with an understanding that you will pay a smaller fee as a premium.

Insurances

An insurance is a contract in which an individual receives financial protection or reimbursement against losses from an insurance company against the payment of a premium.

We have an inherent need to protect ourselves and our family, so why not buy insurance and secure the unknown future. According to needs you have various insurances. Some are a must while others are worth. Here is a quick tour into the world of insurance policies.

Insurances That You Cannot Miss To Have For Your Home And Family

Life Insurance

As the term suggests you are insuring your life with a certain amount. It is an insurance that pays out a sum of money either on the unfortunate death of the insured person or after a set period.

Benefits of a Life insurance

  • Risk Cover – Insurance ensures that your loved ones continue to enjoy a good quality of life against any unforeseen event.
  • Planning for life stage needs – Life Insurance not only provides for financial support in the event of untimely death but also acts as a long term investment which can reap benefits once it reaches a maturity period.
  • Assured income through annuities – Life Insurance is one of the best instruments for retirement planning. The money saved during the earning life span is utilized to provide a steady source of income during the retired phase of life.
  • Tax Benefits-Insurance plans provide attractive tax-benefits for both at the time of entry and exit under most of the plans.

Health Insurance

It is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insurer. Health insurance can either reimburse the insured for expenses incurred for illnesses or injury or pay the care provider directly.

  • Protection against rising health expenses – Life Insurers through riders or stand alone health insurance plans offer the benefits of protection against critical diseases and hospitalization expenses. This benefit has assumed critical importance given the increasing incidence of lifestyle diseases and escalating medical costs.
  • Provides peace of mind – You don’t have to worry about the huge bills when you visit the doctor or an unfortunate accident or an expensive surgery your insurance will take care of unpredictable medical needs.
  • Regular health checkups – Insurance gives you various benefits and one of such is that you can avail regular health checkups and keep a tab and stay healthy.

Auto Insurance

It is an insurance for all your automobiles against theft and accidents.

Benefits of Auto- insurance

  • With a high cost of living there is hardly much room for savings in case of an emergency. Unfortunate auto accidents are the kind of emergency situations that can easily drain your bank account. A premium according to the specified period can be of a great help.
  •  Even in case of a minor accident with no injuries, cost of paying for another person’s vehicle and your own can burn a hole in your pocket and an insurance is a friend in need to bail you out in such a situation.
  • It helps you in case of automobile thievery, you can claim the insurance with some existing terms and conditions whereas getting the complete value might not be possible.

Home Warranty

A home warranty is a contract for repair and replacement of major home appliances such as refrigerator, washing machine, garbage disposal etc. on payment of a premium.

Benefits of home warranty

  • Saves you huge cost of repairs
  • A Home Warranty will repair or replace any covered item. It adds value to your property and benefits everyone from a buyer, seller to homeowner has an advantage.
  • Assures you peace of mind

Home Insurance

This insurance covers the home including the structural elements as well as the valuables inside the home. However, you can claim this insurance only where there is a natural disaster such as flood, fire etc. Please note that this does not cover the appliance repair and replacement costs.

Benefits of home insurance

  • Protects your biggest investment that is your home in case of natural and manmade disasters.
  • Covers accidental damages to your interiors and exteriors as well.
  • Takes cares of any third party damages and legal issues if any incident occurs while in your property.
  • Assures you peace of mind and gives you a feeling of safety and security.

Often Home warranty and insurance are thought to be similar but they are completely different in the coverage they provide. Home insurance is a must to have whereas home warranty you can choose to get.

When it comes to insurances you have a plethora of options to choose. From travel insurance to disability insurance etc, you can choose and plan according to your needs. All insurances have advantages and disadvantages but insurance no matter which protects your peace of mind. While buying insurance always make sure to do a background check of companies you are dealing with and read the reviews and fine print thoroughly.

Click here to check for Home Insurance and warranty companies.

Future is unpredictable yet securable therefore get insured stay assured.




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

Qualities Of A Good Real Estate Agent

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

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

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

Analyzing Your Real Estate Agent

 Real Estate Agent

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

1. He/She is a part-time agent

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

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

2. Charges very low commission

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

3. Lack of or difficulty in communication

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

4. No, or negligible experience

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

5. No online presence

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

The Final Word  

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

Hope you enjoyed reading this. Cheers!

 




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

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

What is Structural Insurance?

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

Structural Insurance & Home Warranty

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

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

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

Site Insurance

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

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

Builder’s Insurance

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

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

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

Why Insurance During Construction is Essential

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

Structural Warranty for self built homes

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

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

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

Home and Structural Warranty

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

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

 




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

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

Home Warranty Companies in Georgia

1. American Home Shield (AHS)

Services Offered

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

Client feedback

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

Plans Offered

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

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

2. The Home Service Club

Services Offered

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

Client feedback

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

Plans Offered

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

3. Home Warranty of America

Services Offered

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

Client feedback

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

Plans Offered

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

4. 2-10 Home Buyers Warranty

Services Offered

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

Client Feedback

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

Plans Offered

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

5. Select Home Warranty

Service Offered

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

Client feedback

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

Plans Offered

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

Conclusion

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

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