Things you must know about home warranty

10 Things You Must Know About Home Warranty

Home Warranty Insurance provides you with protection against expenses that are incurred due to damage of your household appliances. The appliance warranty company shall either pay for repairs or replace your damaged appliance.

Home Warranty is not an ideal choice for customers who have fairly new equipment in their homes. It is ideal for appliances over four years old.

The Great Stuff

The advantages of Home Warranty are many. Its like an umbrella warranty that covers all the appliances in your home. These are the best aspects of an Appliance Warranty Insurance:

  1. If a major appliance or system breaks down, the Home Warranty company will pay for repairs or in certain cases may even replace the appliance.
  2. You need not go around looking for a technician to repair your damaged appliance. All you have to do is call up your warranty company and pay the deductible amount (usually around $50) and they will send a technician to service the appliance or system
  3. If you wish to sell your home, having a Home Warranty Contract adds value to your property. Buyers are often interested in getting an insured home rather than an uninsured one.
  4. It makes you stress free and you can rest assured that if an appliance breaks down, it will not burn a hole in your pocket.

The Not So Great Stuff

As much as there are benefits, like a coin with two sides, this too has a few limitations.

  1. Each repair will cost something as you have to pay a deductible amount anywhere between $50 – $100 for EACH repair incident. You will have to pay a separate deductible amount for each appliance that was damaged.
  2. The annual premium you pay can range anywhere between $ 500 – $ 1000. So if you are confident that you will not need annual repairs for your appliances, it is better that you hire a contractor for the occasional repairs.
  3. If an appliance part needs to replaced, expect delays. Contractors will have to wait for the company to send new parts in the mail and this delays the repair work.

Drawbacks

Being a top home warranty reviews site, we are aware of common problems faced by customers. Let us take you over a few such issues that you may find difficult to deal with:

  1. Often claim processing moves at a snail’s pace with the company quoting clauses from the contract to deem your claim invalid when the costs involved are quite high. Let this not deter you, there are Insurance companies around who provide impeccable service and ensure that you are well treated.
  2. Pre-existing conditions of your used appliances are not covered. Damages due to wear and tear and lack of maintenance are not covered as well. However, there are companies that do cover above criteria.
  3. Then there is  the fact that Insurance companies always opt for repairs rather than replacing the damaged appliance with a brand new one.

Always make sure that you read the Policy booklet and contract thoroughly so that future conflicts are avoided. Also ensure that the Insurance Company you choose comes highly recommended.

Choosing the right Home Warranty Plan

Choosing the right plan and the right Insurance company is a tough decision to make. The market does provide a lot of choices regarding this as well. If you have decided to proceed with your decision of getting a Home Warranty for yourself, check our reviews section for some insights and ratings. We hope that it will help you choose a plan that suits your needs and your budget. If you are still undecided, do check out our Home Warranty Buyers Guide for further help.





We’ve all experienced the hardship of receiving bills in the mail.  The envelope sits on your kitchen table like so many others.  But this one is different.  This one holds the reminder you dread seeing, the electric bill.

Okay, so maybe the electric bill isn’t the one you dread seeing most each month.  But it probably isn’t your favorite monthly obligation either.  If the amount you pay for power bothers you then you might want to give some thought to the causes of the problem.  And if you’ve never looked at how much it costs to run your major appliances then the following figures may surprise you.  You just might find out that it’s time to replace one of the appliances you own with one that is more energy efficient.

This article does focus on electrical appliances. If your home relies mostly or entirely on gas to power your appliances then please find out which gas appliances consume more energy.

Most Power Consuming Appliances

The Fridge (2 KWh Per Day)

The place where you keep your perishable foods is not just an appliance.  It’s a safe where you trust the hundreds of dollars you spend on groceries will be protected.  So keeping your electric usage to a minimum is just one aspect of this appliance.  You may have the most energy efficient model available, but if you fail to maintain it properly it may still use more electricity than is necessary.  If you have not already read my article on refrigerator maintenance please take a moment to look at it today.

According to a study concluded in 2009 by the U.S. Energy Information Administration titled “Residential Energy Consumption Survey” or (RECS), the average American household spends 6.2% of its electrical costs each month on appliances as a group.  Your fridge is quite likely the most expensive appliance to power in your home.  If you have an old refrigerator then you could save hundreds per year simply by switching to a newer, energy efficient model.  You might cut your energy costs by as much as ? for this one appliance according to information available on Energy.gov.  

Washer and Dryer (2-4.5 KWh Per Load)

Unless you use a laundromat or send everything you wear to the dry cleaner you’re spending some of your monthly electric cost on these appliances. The washer and dryer, because of the work they do, are probably next in line behind your fridge in terms of energy use. Unlike most appliances your washer and especially your dryer may also contribute to other energy related costs by putting a great deal of heat back into the house. For this reason the placement of your laundry area may have a big effect on your cooling costs in the warmer months.

Space Heaters & Small Air Conditioners (3KWh Per Hour)

Aside from the soothing hum of a window unit there’s not much to be happy about if your home is cooled by a small air conditioning unit. Size is not everything when it comes to electrical cost, and a little air conditioner can make a big dent in your bank account. The same may be true of portable electric heaters. Keeping a home without a central heating and cooling system comfortable during hot and cold months can be a big burden on a homeowner living on a tight budget. But replacing these small units with more efficient central system components is often financially out of reach. There is hope in some cases though. Some utility companies provide help to homeowners who need assistance financing such upgrades.

Dehumidifiers (1.5 KWh Per Hour)

Homes which require removal of excess moisture in the air have an added cost that can really impact the monthly electric bill. Dehumidifiers may add as much electrical usage as a refrigerator or freezer unit, according to data available on the Nebraska utility website, Cornhusker-Power.com.

Something Else to Consider

Though you may not think if your water heater as an appliance it is probably using more electricity than any single operating part of your home, aside from your heating and cooling systems. A high electric bill can sometimes be due mostly to an inefficient water heater.

About the Author

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




Home protection plans, commonly known as a Home Warranty or appliance protection plan is a service contract that agrees to offer discounted repairs and replacements of your household appliances. It means that if any of your covered appliances breaks, the home warranty company shall provide you with a qualified technician who will repair your device and cover the cost of repair as well.

Home Protection Plans

Ideally, appliance protection plans are best suited for people who have appliances that are fairly used and above 4 years in age, as this is the time where most of the functional issues arise. It is highly recommended that you purchase a home service contract if any of the following are or all are true.

  • Your appliances are over 4 years
  • You don’t have a trusted service vendor
  • You don’t have time for DIY repairs
  • You are a first time homeowner
  • You can’t afford frequent repairs and replacements

If you were to ask if these plans are worth the money, then we would have to admit that there is no straightforward answer to that. There are quite a lot of happy customers out there who swear that purchasing home warranty was the best decision they ever made and yet there are people who think otherwise. It is up to you to decide if you will benefit from a home protection plan.  If you are in need of more guidance, please read the Home warranty buyer’s guide.

This is how a home warranty works

You purchase the appliance protection plan from a home warranty company for a certain amount of coverage. This coverage could be vast and cover almost all the outside and inside appliances or it could be the basic version. If a device covered by the plan fails to operate properly, you simply place a call to your home service contract provider. They will then call up a service vendor with who they have contracted and tell them about your issue. Service vendor then collects your contact information and contacts you to fix an appointment.

He/she then comes to your home to take a look at the damaged gadget. If the repairs needed are minor, they will oftentimes be fixed on the spot. Major repairs and part replacements need approval from the home warranty company. If parts are to be replaced, the home warranty company shall procure them for you and get the appliance fixed. Sometimes, if the technician determines that the device can’t be repaired, depending on your coverage, the home warranty company may replace your device.

Hence, one can say that the benefits of Home warranty are the following:

  • Discounted repairs and replacements of household appliances
  • Qualified and experienced technicians at your doorstep
  • Protection of your budget against expensive repairs
  • Peace of mind
  • Covers all major appliances and systems.
  • Additional coverage can always be purchased
  • Affordable
  • Covers damages resulting from wear and tear

As mentioned before, there still exists a school of thought that home warranty plans are not worth the money. Hence, we must discuss the drawbacks of these plans.

  • Not free of cost. In addition to the annual premium that ranges anywhere between $250 to $1000, you will have to pay a service call fee each time you raise an issue. The amount is typically nominal, around $50
  • Home warranty companies will almost always try to repair and not replace the damaged gadget.
  • Some may feel that there is no flexibility. You usually cannot select a service vendor of your choice and sometimes conflicts may arise on the diagnosis provided by the vendor.
  • Claims can be denied on vague grounds or by stating fine print from the contract.
  • Pre-existing conditions quite often are not covered

Because of these reasons, we suggest that folks who fall under the following categories, don’t purchase a home warranty. This is only a suggestion, if you believe that you shall benefit from a home warranty plan, you should go ahead with it.

  • Your appliances are fairly new and are still covered by the manufacturer’s warranty.
  • You have a trusted repair vendor.
  • You have time and skill for DIY repairs
  • You have money for frequent repairs

You can consider an extended warranty to protect your new devices. You can read about the differences between home warranty and extended warranty to clear your doubts.

If your devices are new, chances are low that they may need repairs often. Also if they are still covered by the manufacturer’s warranty, any damage will be covered by them, provided it is not an excluded case. And all of this is unnecessary if you are a repair vendor yourself!

The bottom-line

Home warranties can be a great way to protect your budget and your appliances. As mentioned before, if you fall into the former category where your devices are old and so on, we highly recommend that you purchase a home warranty. Otherwise, you can do without one.

A lot of unpleasant instances occur due to lack of understanding of the working of the plan. Hence, we urge you to read the policy booklet and the offer document carefully before you make a commitment. These documents are highly significant and have to be studied and preserved carefully.  If you are certain that you want to purchase appliance warranty, please go through our reviews section to choose the best provider out there. Good luck!




Extended home warranty provides warranty coverage for major home appliances after the manufacturer’s warranty period is completed.

Buying the home warranty, avoids unnecessary stress and to assists you in peace of mind. It is truly a best insurance for your investment. The costs are very low compared to repair bills of any of your appliances.

Extended Home Warranty

Before deciding on extended warranty

Homeowners are generally provided with home warranty coverage along with the purchase of new house by the seller. But when your original home warranty expires, you have the choice of extending your existing warranty. Before deciding on extension of home warranty it is essential to know whether it is really beneficial to consider the warranty to continue hence let us find the facts on this issue.

Cost consideration on home warranty

The basic home warranties are available at about just $400 per year. Let us assume that the warranty period has expired on any major appliance where the device may have lost manufacturer’s warranty.  Just an initial visit may be charged minimum of about $50 to $100. Repair companies will also bill on an hour basis, for the first hour they may charge you about $50 to $70 and sometimes the subsequent hours will be charged less but varies from case to case. Addition to it you are expected to pay for the repair job.

Planning for home repairs is not predictable. Charges on repair job will differ depending upon the system, duration of time since how long you are using the device. In the usual cases home warranty policies covers up the equipments insured for the period of one year once the warranty is about to expire you can just extend the home warranty just by additional payment and renewal of documentation on what all appliances the policy should cover.

Importance of extended home warranty

Extended home warranty can surely help homeowners in leading stress free life and saves tons of money. It is realistic if you have been repeatedly spending on maintenance and repairs. Usually the breakdown period of appliances starts just before or after your warranty expires because of its usability, if you want to avoid such hassles of contacting repair services. Extended warranty service just makes things easier you are already guaranteed of competent and licensed repair company.

If you calculate, you will surely save thousands of dollars on all the possible repairs, this is quite a big amount of money that you have to set aside if you choose not to opt on warranty. At the end of each passing year you would get a clear idea on how much you need to pay on the renewal of your policy to extend the assurance. There is no need to search for fresh home warranty companies to renew the scheme you can just pay the extra amount and set your life in calm. Any unexpected issue will also be taken care of such companies hence it is truly worth to invest money in affording extended home warranty plan.

Based on your choice, these policies can be extended online or in person. You may be able to find better deals on home warranties online. On the other hand, a benefit of this is that you can take your time to make up your mind without salespeople constantly pestering you. You do not even have to browse the pages of your directory and call them one by one to ask for availability, if you have this service. All it takes is one call to make your life simpler and relaxed.




Decorate Your ApartmentThe majority probably have the disguise and feel of a well resided home. Apartment living is a great way to save money and it gives you the liberty to move around, as you wish for. Entertaining in a well designed apartment will make you feel good and will most probably make you like living there. Decorating your apartment economically will make you feel good when you entertain, and when enjoying your place on your own.

 

Decorating your apartment does not have to be pricey or boring task. It should be a fun process that lets you discover your creativity to create an apartment that defines you. Decorating also serves as an opportunity to allow your personality shine, while creating a home that is comfy, budget-friendly and attractive. To know more about this check out our Home Appliance Warranty guide.

8 Cheap Apartment Decorating Ideas

Moving into an apartment is always expensive with deposits and other costs, so here are 8 cheap ideas to decorate and furnish your apartment and to make it the best it can be.

Mirrors make your apartment feel larger1.  Small Spaces:

Apartments are usually small confined spaces. Using mirrors is a great way to make your apartment feel larger and give it a homey feel. You can find large ones to cover the total wall if you want, but prefer different sized framed mirrors. Framed mirrors give a little extra pizzazz and a more expensive look than plain border less mirrors. If you like conventionality, you can paint the frames to your liking.

2.  Furniture Placement:

If your room is large enough you can “float” the sofa in the middle and add a console or low dresser behind it. This can give a nice barrier between the dining and living area, as they are generally shared spaces. You may have to move it around a bit to get it the way you wish for. You may even put up a nice room divider at the back of the sofa to break it up even more.

3.  Paint:

Interior PaintingMany apartment complexes have set of rules about not being able to paint the inside of your dwelling. If they do, it’s likely an off white/boring white color. In order to avoid the plain bare walls you can paint your furniture instead. Be artistic and paint an old table, wood chairs or an end table a brilliant color. Paint is easy, cheap and a cost effective plan to bring color into your home. Another idea, go to a swap meet, yard sale or discount store and find bright cheap artwork to hang on your dull white walls to bring out the zest.

You could make use of curtains as a means to decorate your plain walls without painting or wallpaper. It gives the look of luxury and gives the delusion you have windows behind drapes. Use long drapes that hang from the ceiling to the floor to give height to the room rather than a tiny window or just a plain blank wall.

4.  Dining Area:

In today’s ultra-modern world many people telecommute for work. If you are staying in an apartment you may not have the room for a home office. In case you need a workspace, one idea is get rid of the dining room table and substitute it with a console table or an old farm table that fits the area. This will offer it an industrial look and provide ample space. Rather than dining chairs, get some folding chairs that can be folded and stored under your bed. You can use a ergonomic desk chair with wheels while working. This will give you the chance to use the table as a desk or as a dining table when you have guest.

lighting apartment ideas5.  Lighting:

Most apartments are boring and dark; proper lighting improves the decorating scheme in any room. There are many light sources obtainable right from natural light, lamps to salt crystals. Natural light is the best source when possible. It’s the most cost-effective.

6.  Shelving:

Shelving can be employed in any room of your home and it gives a nice placement for your general storage needs. You can make use of mason jars, baskets or any nice containers to keep on the shelves. Floating shelving are usually nice and can add extra elegance to any room.

7.  Carpet:

Normally apartments don’t come with polished hardwood floors many of us dream about; they generally have carpet with three generations of living already built in. Most will have a few marks and you will usually have to live with it. However, there is an answer to the problem and it’s called area rugs. Area rugs are great for covering stains and dull colored carpet.

Greenery inside apartment8.  Greenery:

Plants are a great way to bring life into your apartment. They appear great and have health benefits also. Plants help control humidity, clean the air and help lessen noise levels. They also improve the “energy” in your living space and add an organic touch.

 

Decorating an apartment can be a tricky task. There are limits to what can be done and rental rules you must pursue. Inexpensive apartment decorating ideas can help you plan the perfect apartment you will always adore. You don’t need to hire a costly interior designer.

Good taste does not have to come with a giant price tag. You can with no trouble stay within a restricted budget when decorating anything, particularly a small apartment. Sharp eye for bargains and creativity is all that you require decorating a small apartment on the cheap.




Buying your first home is a daunting thought. This article provides a list of things you need to know before purchasing your first home.

First home

So you’ve saved and saved and now you’ve decided to bite the bullet and try to enter the property market. No matter where you are — Sydney, one of the most expensive cities in the world, or the country, looking for a small cottage — laying down most of your savings, and a large amount borrowed from the bank can be daunting. It’s not just the commitment to pay it off for the next 20+ years that can weigh heavily on your mind in the lead up to signing on the dotted line, it’s the added expenses, like land tax, stamp duty and home insurance that all need equal consideration. Then there are other optional expenses such as appliance warranty that come into play later on. Although they are option, a home service contract and its benefits are totally worth the money. You may want to read about how to determine whether a homeowner needs home warranty.

If you’re preparing to take the big step, have a look at five ‘must-knows’ before getting started.

Time
One of the biggest things people don’t realise when buying their first home, is time plays a big factor in the whole process. From deciding to buy, to getting your keys, to making your final mortgage payment, buying a house is a big investment time.

The first instance where time plays a role is finding a house — not always as easy as you think. The amount of properties on the market at any one tie depends on the time of the year. And even if the property market is strong, and there is a lot to choose from, finding something you’re happy with, and can afford, can take months.

After finding your home, and choosing a bank, settlement — the period after signing the contract, and waiting for keys — is a long stretch. Before and during this period, be prepared to run to the bank a lot,to the agent, to your solicitor and back again.

Your bank loan
This is one of the biggest concerns for most people — borrowing hundreds of thousands and committing to repayments for the foreseeable future. Rest assured, you have some control. Ensure you don’t just go with your bank because you’ve always banked with them, see several bank managers and get several quotes before committing. Ask not just for the interest rate, but the comparison rate, which includes additional fees and is a more realistic Idea of what you’ll be paying.

Your solicitor
When buying a home, you need a solicitor. Buying seems like an easy thing to do, but behind the scenes, there are a lot of actions, searches and checks that need to be performed before you can settle — your solicitor takes care of this for you. The best idea, if you haven’t used a good solicitor before, is to use someone recommended by a friend — then you know you can likely trust them, their advice, and their commitment to your purchase. Ask them as many questions as possible, and determine how much their services will likely cost before getting started.

Property Inspection
Importantly, before agreeing to exchange contracts, have a full building and pest inspection (or a strata report search) conducted on your property. While a property may look good upon inspection, it’s difficult to know any faults of ongoing problems without having a professional look at it first. While this is an additional cost, it could save you a fortune in repairs later, or worst case, paying for a property that can’t be lived in.

Other costs
Don’t be fooled into thinking that paying your deposit, the balance of rates, bank and solicitor fees and building inspection are the last of the costs. Beyond this, you will need home and contents insurance, often mortgage insurance, stamp duty and other fees associated with your loan. Remember to save more than just the deposit to get over the line, and work out completely what you expect to pay before you decide to purchase.




These days, when people hardly have time to even talk with neighbors, cleaning the house has become a rarer activity. Yet, cleaning your home is a task that just cannot be ignored. The first rule of personal hygiene – keep yourself and your surroundings clean. Otherwise, germs may take up residence on you and in your home.

For those of you short on time and money for hiring a maid, this article would be the perfect cheat sheet to make sure that your home remains clean and well, disease free. If you think this article is too big, take a look at our quick home cleaning cheat sheet.

We’ve compiled a list of things that you can do to ease the task of cleaning your home. This includes tips and tricks that you may never have come across. So don your cleaning gloves and let’s begin!

Kitchen Cleaning Hacks

1. Cabinet Cleaning 

Home Cleaning HacksMost kitchen cabinets accumulate gunk, usually around the handles or the inside corners. Thankfully, they’re not difficult to get rid off.

Here’s what you need to do – mix baking soda and any vegetable oil. The consistency of this mixture should be like that of toothpaste. Use an old toothbrush and scrub away around the handles and corners of cabinets. You’ll have clean surfaces in no time

 

2. Cleaning The Sponges

Everyone has cleaning sponges in their kitchens. Without these soft friends, cleaning would be very difficult indeed. However, over time, they become ragged and home to a host of microbes and germs. If the condition is so bad that they are tearing in pieces, discard them. If they are still in a single piece, sanitize them before you use them again.

To sanitize kitchen sponges, sprinkle a few drops of water (lemon juice, if you have it) and microwave them on high heat for two(2) minutes. This should fry any germs in them leaving the sponges clean and bacteria-free.

3. Cleaning The Garbage Disposal

DrainGet an ice tray. Mix water and vinegar in the ratio 1:8. Chop up a lemon into tiny pieces. Pour the water-vinegar mixture into the ice cube tray and drop one piece of lemon into each square. Freeze this mixture.

Once frozen, drop the ice cubes into the garbage disposal and run it for several seconds (leave the faucet running). Make sure all the ice is ground. This is an easy hack to not only dislodge debris stuck between the blades but also to sharpen and deodorize the device.

4. Stove Burner Cleaning Hack

Stove-BurnerThis is an object that accumulates huge amounts of grime and grease and cleaning them is a task we often dread. Scrubbing them may be time-consuming, so here’s a no scrub routine to clean grime and grease from stove burners.

You’ll need basic ammonia and a zip-lock bag. Take around half a cup or less of ammonia and drop it into the zip-lock bag. Drop in the stove burner as well and seal the plastic zip-lock bag. The idea is not to soak the burner in ammonia, but to let it just sit in the ammonia fumes overnight. Ideally, leave the zip-lock outside, just in case it develops a leak and you don’t want your house smelling of NH3. You should be able to clean the grime off smoothly with a cloth. No scrubbing needed!

 

5. Cleaning The Blendershutterstock_84133486

Yes, there’s a hack for this one too. No, cleaning it in the sink with the help of a scrub won’t help much. Blenders are difficult to clean because there are many jutting edges which could cut your fingers if you try to scrub around them.

Here’s what you need to do. Add a few drops of dish-washing liquid to a cup or so of warm water. Pour it into the blender and turn the blender on. Pour the soap water out and repeat with clean water. Once this is done, you can clean the outsides and then give the whole jar a final rinse.

Bathroom Cleaning Hacks

6. Cleaning The Shower Head

Yet another beautiful, no-scrub hack to clear out hard water stains from the shower heads and other steel surfaces. You will need a leak proof plastic bag, rubber bands, distilled white vinegar and water. Pour the vinegar into the plastic bag and tie it around the shower-head with the help of rubber bands. Leave it overnight or at least for a few hours, rinse with plain water in the morning. All hard water stains will be magically removed.

For other steel surfaces, dip a cloth into the distilled vinegar or spray some on them. Rinse with plain water after a few hours.

7. Cleaning Grout From The ShowerCleaning Tile

Grout is generally a kind of filling used between spaces while laying tiles or similar structures. Over time, they often turn dark and become an eyesore, especially against light colored walls/tiles. To remove them, there is a very effective, homemade grout cleaner that works wonders.

You will need a scrub brush or an old toothbrush, baking soda and some bleach. Combine ¼ cup bleach with a ¾ cup of baking soda until it forms a paste. Apply this on affected areas and let it sit for a few minutes. Bleach usually does the job, however, scrubbing it will yield maximum results. Do remember to wear your protective gloves when handling chemicals like bleach.

8. The Bathtub Drain

Bathtub drains accumulate a lot of grime and debris and the most common culprit behind a clogged drain is (ewww) human hair. For clearing a clogged bathtub drain, you’ll need a screwdriver, skinny pliers, paper towels, vinegar and baking soda.

Remove the drain plug and pull out the insert with the screwdriver. You should see some really disgusting gooey debris there. Use paper towels to wipe around the area and then use skinny pliers to pick up the gooey mess. The gross part is now over. Finally, pour a cup or so of baking soda and then vinegar over it until the mixture bubbles up. Leave this for around 15 mins and then rinse with tap water. Put back the plug, and you’re done!

9. Cleaning Mold From The Shower

voegenschrobbenwebMold is a kind of fungus that happily grows in any region that is continually damp. Bathrooms are ideal for mold colonies. These fungi are not only unpleasant to look at but they are also high-risk allergens. Cleaning them is thankfully simpler than you think.

Get some straight bleach and cotton balls, the kind you use for cosmetic purposes. Soak a piece of coil in the bleach and place it over the mold-affected areas. Leave this overnight. Using skinny pliers or tweezers, pick up the coil pieces and discard them. Rinse the area with water. You’ll be happy to see that mold growth would be considerably reduced. Keep in mind that bleach is a harsh chemical and it must never be handled without appropriate safety measures.

10. No Scrub Tub Cleaner

Yeah, this one made a lot of people happy. Scrubbing a tub could be back breaking task for some people which is why this one is a big hit! All you need is dish soap and vinegar. Mix the two in 1:1 ratio and spray it generously all over your tub. Leave this on for an hour or two, wipe away with a soft cloth and rinse with water.

These days, cleaning grade vinegar has become available in department stores. The acetic acid content in cleaning grade vinegar is higher than the food grade version. This means the cleaning effect is improved.

 

General Indoor Cleaning

11. Carpet Cleaning 

Carpets take a lot of beating from the folks in the house and so it’s quite common that they end up with difficult stains and a lot of offensive particulate material. While dust can be easily removed with the help of suction, stains require additional tools.

Baking soda, liquid detergent, vinegar and warm water are the only things you will need. As step 1, drop baking soda/cornstarch on the stains. Let it sit for half an hour and then use a vacuum cleaner to remove it. Once that is done, mix liquid detergent, one spoon of vinegar with warm water. Using a sponge, wipe the stain with the detergent solution. Using a different dry sponge, absorb the vinegar-detergent solution out of the carpet. Your stain would’ve faded considerably!

12. Easy Mattress Cleaning

Dust that accumulates in the mattress can cause some serious allergic reactions in some people. It is generally advised that regularly used mattresses must be cleaned at least once in a few months.

To clean your mattress without breaking your back, you’ll need a few drops of your favorite essential oil, baking soda and your trusted vacuum cleaner. Open a can of baking soda and add a few drops of essential oil. Replace the lid and shake the container so that the oil and the soda mixes well. Sprinkle this all over your mattress and let it remain for an hour or so. Vacuum the entire mattress making sure that all traces of baking soda are removed. This is very effective in removing dust mites and other harmful microbes.

 

13. Cleaning A Microfiber Couch

Microfiber couches are one of the most comfortable couches ever. However, they become dirty quite easily and kids just love to create art masterpieces on them. Cleaning them may seem difficult and you may even consider replacing them. But do try this simple fix before you discard your lovely couch.

You’ll need rubbing alcohol, a sponge, a sprayer and a scrubbing brush. Pour the rubbing alcohol into the sprayer and spray it all over the stain till it saturates. The alcohol will evaporate quite quickly so spray continuously. Using your sponge, scrub vigorously till the stain starts to visibly reduce. Once you are done scrubbing, leave it to dry. Use your brush to ruffle the couch back once the alcohol has dried. We strongly recommend that you use a pair of gloves while handling the scrubbing alcohol and try not to drink it :).

14. Removing Pet Hair 

downloadHaving a pet is a wonderful feeling indeed.  If you have a furry friend, be warned that their fur has been known to cause a lot of diseases, including the very dangerous Toxoplasmosis. It would be a good idea to rid your house of their fur once in a while to avoid pathogens of various kinds.

Damp rubber works wonders for removing pet hair. You’ll simply need to dampen your rubber gloves and give the furniture and other surfaces a good scrubbing. For getting cat/dog fur off carpets, use a squeegee and wipe the fur away.

 

15. Cleaning tiny toys

Toys left unused accumulate a lot of dust and the idea of washing them all individually might seem time-consuming. If you want to wash them all together in one go, here’s something you can try.

Grab a small laundry bag and dump all the small toys into it. Hold them under the sink and run the faucet. The tiny holes in the laundry bag will allow water to come in and drain taking all the dust away.

 

A Word Of Advice

While you may not be able to do all of these at once, try going one section at a time – bathrooms, followed by the kitchen and so on. Remember – Safety first. Do not forget to use rubber gloves or overalls when necessary. Once you are done, put the chemicals away in a safe place where your kids cannot reach them. We also have a great guide on 10 ways to organize your home efficiently. You should read that too!

Home maintenance is no easy task. Keeping a home running does require some amount of effort. That said, there are some things that you just cannot prevent. Appliance breakdowns are a fine example. We strongly recommend that you purchase a home warranty to protect your budget and your appliances.

That’s all for now, do try out these hacks and let us know what you think. Don’t hesitate to ask us any questions, we’ll be more than happy to help. Thanks for reading, cheers!

 




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

Insure a Building

Buildings and risk management

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

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

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

Building insurance basics

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

The shopping around needs to include:

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

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




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

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

Claim Denials for Right ReasonsHome Warranty Claim

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

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

Claim Denials for Wrong Reasons

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

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

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

Improve your Claim Approval Rates

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

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

The bottom Line

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

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

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




United Services Automobile Association (USAA) began in 1922 with 25 Army officers who offered to cover each other’s vehicles when no one else would. Today, their tiny organization has grown into a respected institution offering a full range of financial products to millions of members.

USAAUSAA is committed to the financial well being of members of the military and their families for generations to come. That’s why it offers a variety of financial products and excellent services to assist its members attain their financial goals and plan for the future.

Home Warranties USAA

A few years ago USAA also offered home warranty backed by reputable partners but currently they don’t seem to offer it anymore.

When you procure a home, there is a very good chance that you will be offered a home warranty that aids cover the cost of repairs for a period of time after you have purchased it.

A home warranty is essentially an insurance policy that insures the electrical, plumbing and mechanical systems of a house. A home warranty offers the same comfort as any insurance against unforeseeable events.

Here’s what you need to keep in mind to make the most of the safety it provides.

New Home Warranties

If you are purchasing a newly built home, your builder will probably offer a warranty covering defects in workmanship and materials. The period of this coverage differs, but it’s generally not less than a year.

To stay away from unpleasant surprises, read your entire warranty booklet before closing on the contract. Ensure you understand the various exclusions and conditions. New home warranties usually don’t cover electronics, appliances and similar fixtures set up in the home, as those products are generally covered by manufacturer’s warranties. Confirm that you obtain the home owner’s guidebook and warranty information kit that comes with each of them.

Warranties on Existing Homes

Sellers of existing homes frequently purchase warranties to increase the appeal of their property to buyers. Towards the end of their terms, these warranties can usually be extended at the homeowner’s expense, often for $250 to $600 per year.

Study the warranty carefully as it is only as good as its terms. You may discover some limitations that can lessen the initial appeal. For instance, plumbing problems ahead of home’s foundation may be not included, which means many of the most common and destructive headaches will be your liability.

When you name for service, the warranty provider naturally sends off a local service company to remedy the situation. As they wish to pay out as little as necessary, be prepared for warranty providers to favor less expensive repairs over complete replacement.  And have your checkbook useful— even when the repair is covered, warranties characteristically need homeowners to pay a service fee for each repair maybe $25 to $75.

Receiving What’s Due

Like any other type of insurance, the rank of claims service linked with home warranties differs from company to company. If you require service, be ready to rise above obstacles. If the warranty company notifies you that your claim isn’t covered, ask them to quote a specific channel in the warranty document.

Note cautiously when your warranty expires. A few weeks before it does, give your home a thorough basement-to-roof evaluation to see if there are any covered problems that can still be fixed at the home warranty company’s expenditure.

The Value of USAA Membership

USAA membership is a benefit extended to those who have served in the U.S military and their families.

USAA provides life, home and car insurance, banking services, and independent financial advice from licensed financial planners. It also provides a buying service for diamonds and other jewelry, which will save you some funds if you are in the market of those things.

USAA Insurance

USAA Insurance provides one of the best values and their claims service is exceptional. The policy premiums are competitively priced and the coverage is better than anywhere else.

USAA provides a range of personal property and casualty (P&C) insurance, including automobile insurance, homeowner insurance, renters insurance, valuable personal property insurance, and umbrella insurance. Other than P&C insurance, USAA offers term life insurance, whole life insurance and annuities. USAA’s life insurance policies, while not completely unique in the industry, are different from most offerings since they do not include a war-exclusion clause.

USAA Banking Services

USAA banking services also save you a bundle and offer you more convenience. It operates limited-service financial centers in other cities, normally near military bases, which provide assistance and advice in obtaining services and opening accounts online. These limited service locations cannot process deposits or withdrawals, but ATM’s located on site do permit customers to make financial transactions.

Investing and Financial Planning

USAA offers a restricted discount brokerage service and a family of no-load mutual funds. Mutual funds established by other firms can also be bought and held in USAA investing accounts. USAA also provides limited independent financial planning advice, as well as a more systematic flat-free or hourly-rate financial planning service.

Other Business

Through its Alliance Services Company (ASC), USAA runs a mail-order catalog service focusing in the sale of diamonds and jewelry.

Besides, the ASC secures a variety of discounted services for members. These include travel-related services through rental car alliances with Avis Budget Group and Hertz Corporation, as well as discounts on cruise travel. Their retail alliances also comprise partnerships with FTD, FedEx, and ADT Security Services.




For homeowners who have aging homes, a home warranty plan is often the best bet for budget protection against unexpected repair expenses. Such plans also have the added advantage of eliminating the hassles of having to find a repair technician for your broken appliance. It is undeniable that home warranty plans have many benefits which are probably why a good percentage of American homeowners purchase them. That said, the market today is filling up with appliance warranty companies and several types of plans which leave an average homeowner confused about whether they are using the right plan. That is the question this article aims to address.

Features Of A Good Home Warranty Plan

A home warranty plan is only as good as the company selling it. Hence, the first question to ask would be this – is your home warranty sold by a reputable warranty provider? If yes, half your worries should be put to rest. For a home warranty plan to benefit you the most, here are two important features that you must look for –

  1. Pricing: Most appliance warranty plans are affordably priced. This means that it would not be too difficult to find one that suits your budget. However, what you must look for is whether you are getting adequate coverage and quality of service for the premium you pay. Also, the deductible charged per visit should not be very high.

  2. Coverage: Appliance warranties sometimes come in several categories – basic coverage, kitchen appliance plans, HVAC plans, outdoor appliances plan etc. Most basic plans are designed to include major systems and appliances in your household. Ideally, a good warranty plan will provide maximum coverage with very little exclusions.

If you are only contemplating about getting a home warranty for yourself, we recommend that you read our ultimate home warranty guide before you proceed.

Is Your Current Home Warranty Plan Good Enough?

If you are worried that you are using the wrong appliance warranty plan, you are probably right. While there is no fixed way of finding an answer to this question, customers agree that Internet research might help. A better way would be to make use of a feature available on HomeWarrantyReviews.com to compare your plan with others available in your locality.

For those unaware of this feature, here’s a description. HomeWarrantyReviews.com offers a ‘Free Quote’ tool to help new customers find a good company in their neighborhood and get estimates from them. The user simply needs to enter the zip code of his residence into the field provided and the website will run a search to come up with free quotes from companies that conduct business in the zip code provided.

This feature also offers the opportunity for existing home warranty customers to compare premium prices with others available in their area.

How To Use The Free Quote Tool To Find New Company?

Best-Home-Warranty-Plans

Like we said before, you simply need to provide your zip code. HomeWarrantyReviews.com has partnered with another service website called HomeWarrantyLeads.com to help customers find the best appliance warranty company in their region. When you enter your zip code and other relevant information, your details and requirements are communicated to companies in your region via HomeWarrantyLeads. The companies that do conduct business in your region will contact you with a price estimate and other details. This saves you the hassle of having to contact all listed companies to dig for details. Companies in your region will contact you via email or phone and give you the description of their plans and products.

This has been quite a popular feature on HomeWarrantyReviews.com for some time now. Potential and existing customers find this very useful to keep themselves informed about new and improved home warranty plans available in the market by just providing their details. No more chasing companies for quotes!

Your Personal Information Is Safe With Us

This is an uncommon question but if you still worry about the protection of your personal information given to us, here’s what we have to say. It is safe. Period. We only communicate your details to legitimate and reputable companies in your neighborhood so that companies can contact you to discuss their products. We do not sell or share your personal information with any source that may compromise your safety and security.

Hence, if you are someone who wants to know more about appliance warranty providers in your region, we urge you to try our free quote tool. And even if you are not looking for a change of company, we’d still recommend that you try our tool. So that you are better informed to make intelligent buying decisions in the future.




Texas Energy (TXU) has joined hands in partnership with Cross Country Home Services (CCHS) to provide customized and unique home warranty services for existing and new TXU customers.

TXU Energy

TXU Energy is a competitive retailer that provides electricity and related services to over 2.2 million electricity customers in Texas. It is a subsidiary of Energy Future Holdings Corporation founded in 1912 with its headquarters in Dallas (Texas).

Cross Country Home Warranty Services (CCHS) offers home warranties and maintenance plans directly to consumers and through a list of industry partners. The company is a member of The Cross Country Group founded in 1978 and is one of the largest privately held providers of customer services in the US.

Through this new partnership, TXU energy consumers can avail the following services –

  • TXU Energy A/C & Heat ProtectSM
  • TXU Energy A/C & Heat Protect PLUSSM
  • TXU Energy Surge ProtectSM
  • TXU Energy Surge Protect PLUSSM

“The TXU Energy home warranty program offers superior solutions that let our customers choose the level of service and coverage they need,” said Jennifer Pulliam, director of products and innovation for TXU Energy. “We want to help our customers protect the investments they’ve made in home electronics, appliances and even air conditioning and heating because repair or replacement costs can be high.”

Both companies maintain A+ rating with Better Business Bureau (BBB), demonstrating their commitment to superior business practices which makes the collaboration with each other strong and facilitate enhanced services to its consumers.

This association is sure to benefit consumers as claims are as simple as a phone call to CCHS’s service center, which operates 24 hours a day, 365 days a year. And all customers who sign up for a home warranty plan receive up to a 15 percent discount on non-covered repairs and savings on name-brand appliances by using CCHS’s exclusive Appliance Buyline.

“A home warranty program is a good idea for anyone who wants to have the security and convenience of knowing that if a major appliance or system in their home breaks, they will be able to have it repaired cost-effectively and without a delay by a pre-qualified expert,” said Sandra Finn, president of CCHS. “We are proud to bring our services and consumer satisfaction commitment to TXU Energy customers, who can rest assured that we’ll always be there when they need us.”




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

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

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

Six Steps to Choose a Home Appliance Warranty

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

This video will help you compare home warranty companies.




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

Fake Reviews

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

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

Penalizing Companies Posting Fake Reviews

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

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




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.




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

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

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

How to Minimize Your Chances for Claim Denials?

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

How to Dispute Unfairly Denied Claims?

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

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

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




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!

 




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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

Home Warranty Companies In Ohio

Best Appliance Warranties In Ohio

 

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

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

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

1. American Home Shield (AHS)

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

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

2. The Home Service Club

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

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

3. Select Home Warranty

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

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

4. HSA Home Warranty

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

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

5. Choice Home Warranty

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

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

Before You Buy A Home Warranty

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