TXU Energy Enters Into Partnership With CCHS To Provide Superior Home Warranty Services

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.”






Freon is not as common a word in the American lexicon as it used to be.  And that is greatly due to the phase out of the product that started decades ago. That common household name was once the main chemical component in central heating and cooling systems, but that started to gradually change in 1987 when the U.S. government decided to gradually get rid of the ozone damaging chemical. That chemical, technically referred to as r-22, is only a handful of years away from the end of its U.S. phase out timeline.

What does this mean for you as a homeowner?

Your home’s air conditioner, when it’s working the way it should, does not need added coolant.  But like most machines, the ideal condition and the real world condition of the average central heating and cooling system differ.

Cost of Freon

 

People who have recently discovered leaks in their older HVAC systems will already be aware that it’s getting more expensive to recharge the coolant. As less r-22 is available to technicians and homeowners the costs will probably continue to increase. Here’s what I learned about this trend and what we all may expect in the future.

Some U.S. homeowners are immune to the problem of rising Freon costs. Newer homes, particularly ones built after 2010, typically have HVAC systems that use newer coolants, ones that will be around for a long time and are produced and distributed in greater quantities. But those of us with the older systems face a dilemma. Do we upgrade to a newer HVAC system, a decision that involves lots of out of pocket costs, or do we continue to accept the rising expense of recharging the coolant in leaking systems that regularly require a refill?

How do I decide whether to convert my existing HVAC system to run with the new coolant type, replace the system entirely or just leave things alone?

After researching this myself I concluded that the most cost effective choice is to leave the existing system in place at least until 2020, but that is only true if the system is running well and not leaking coolant. I also believe that a system that requires some component repair or replacement but does not leak is cheaper to keep than replace. I found that to be true after looking at the prices of replacement parts. Long after r-22 is no longer made there will still be new parts manufactured for the older systems. Those parts will not contain any coolant though.  That is the most important thing to consider when making your own decision. At what point is it more expensive and time consuming to find a technician or coolant source still carrying the old coolant type? That will likely vary from one area of the U.S. to another. But keep in mind that some of that coolant will still be available in the form of reclaimed product, taken out of systems and reused, for years to come.

What if the system is leaking heavily or near to failing?

If your HVAC system is in poor condition then you may be better off trying to find a way to afford the cost of replacing the entire system. I arrived at that conclusion after examining the costs of replacing individual components of an older system. And here is the real problem with continuing to fix that old system. The newer coolant type, r410a, does not work with older systems. Trying to convert a system from r-22 to r410a is highly impractical. The system pressure is higher for r410a, the lubricant type is different and overall it’s a throwing good money after bad to even attempt a conversion for most homeowners.

So what is best for someone on a tight budget whose HVAC system is leaking and doesn’t appear to have much time left before things start breaking?

Anyone in this situation who plans to keep the house for more than a few years should think seriously about financing options. Some local utility companies and some HVAC installers offer financing options. And in some instances the monthly payments may be very reasonable. On the other hand a homeowner who does not intend to keep the house much longer can’t look at such a hefty cost as a good idea unless the new HVAC system will result in an equal or greater boost in the sales price of the house.

There’s another thing to consider in all of this. If your system is leaking heavily then it’s not just costing money to recharge. It’s also releasing a chemical into the air in your house and ultimately into the atmosphere.  And there is a good reason that the chemical was marked for phasing out in the first place. It certainly isn’t helping the environment to have it being released into the air from lots of older homes. For some homeowners that, coupled with the greater efficiency of newer HVAC systems from an energy use standpoint, is enough to make the cost of the new system acceptable.




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!




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

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

Coverage

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

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

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

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

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

Making a claim

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

Things to keep in mind

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

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

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

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

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

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

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

Difference between Home Warranty and Builder’s Warranty

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

Builder’s Warranty

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

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




Are you longing for a home decorated with our green friends? You want a home that is eco-friendly and looks pretty at the same time? You have come to the right place!

Over the years plants have become much more than just a source of food. While being a very nutritious edible species, members of Kingdom Animalia are also very visually appealing. Even the prickly cacti are never an eye sore.

For all you homeowners out there who wish to add a hint of green to your home, this article shall give you all that you have to know about before you decorate your house with plants.

Benefits of Green Life

Decorate Your House With Plants

There are indeed a lot of benefits associated with gardening and using plants as decor. Let’s discuss about them.

  • Plants are cheaper than most other decor items.
  • They are eco-friendly. Read further about Bringing Nature Into Your Home!
  • During mornings, they release oxygen as a bi-product of photosynthesis. This means that the area around a plant has pure and oxygen rich air.
  • Growing flowering plants can help you save money when the need arises to gift/ make decorations with flowers. Did you know? Some of the best center pieces for dinner tables are made out of fresh flowers and T- light candles?
  • Spending time in a space filled with plants lifts your mood.
  • Plants come in a wide range of varieties giving you unlimited possibilities to use them as decoration.
  • Makes your house look fresh!
  • They are like pets that you can love and care for but don’t move around and litter your home!
  • Living in an environment filled with healthy plants, help cure disease. Ailments like Asthma and other respiratory diseases can be controlled by placing plants in our homes, so that we can breathe fresh air!

Common indoor plants

Norfolk island pine, peperomia, aloe vera, English ivy, peace lily, snake plant, spider plant, bamboo palm, golden pothos etc are the most common varieties of indoor plants. Among them, aloe vera is known for its moisturizing properties and so it can double as an ingredient for homemade face packs. The English ivy is said to be a plant that purifies air effectively, while the most common indoor plant is the spider plant, which is also known for its air purifying properties.

Did you know, the golden pothos has the ability to remove formaldehyde from the air, if you thought plants simply stood lazily in a corner?

You can visit a local nursery or look up on the internet to identify the plants that best suit your lifestyle and home decor.

Where to place your green friends?

plant2

Window sills, kitchen counters, living rooms and balconies make ideal locations for plants. You can even use an assemblage of different plants to create a great ambiance.

Most indoor orchids require humid atmosphere to thrive well. They’ll make excellent additions to your kitchen or a sunny bathroom.

Bedrooms are not really recommended because, as you know, plants release carbon dioxide at night. This leads to reduced amount of oxygen in the air and that is most certainly not good for health.

How to place them?

plant1Pots and containers for these plants are also decorative pieces themselves. So make sure that the pots you use are not only functional but also visually appealing. If you don’t want to spend loads of cash on fancy clay pots, you can simply buy some normal brown ones and paint them in a variety of colors.

If you have enough space, use big terracotta pots and paint them in a bronze or copper color. It adds a certain old world charm to the whole area. Although metal planters are ideal for this look, they are a wee bit expensive.

As much as possible, place your plants in sunny areas and avoid keeping them in places that are not frequently visited. plants like cacti can be kept in tea-cup sized pots and placed in smaller spaces.

Caring for indoor plants

This part is vital. Even though indoor plants require less maintenance as compared to their outdoor counterparts, they will still wither and die if you don’t care for them. Here’s how you should care for your indoor plants.

  • Ensure that they get sufficient light. This does not mean that you should keep them in direct sunlight always and get them burnt in the afternoon sun. Few hours of sunlight per week would do. If your plants are big, place them in wheeled pots. This way you can push them around to locations where they receive light.
  • Water them regularly. Water requirements of each species of plants are different. Hence do sufficient research to find out exactly how much water is needed for a plant. Also plants should never be stored in pots that lack even a single hole. Excess water should never be allowed to collect beneath a plant as it causes the roots to rot.
  • Keep pests at bay. Vegetation is bound to attract insects. Hence you should make sure that such pests don’t cause harm to your beloved plants. A mild pesticide should do the trick.

Plants are indeed a joy to have around living spaces. Having them in your home shall freshen the air and also lift the moods of people occupying that space. If you are someone concerned about environment, you should know about how green landscaping benefits the environment. Hope you found this article informative. Cheers!




What’s it like right now out there for home sellers?  Well, for one thing, despite the wild gyrations of the stock market over the last several months, houses are still being sold.  Not only are houses selling but many regions are showing signs of solid home value increases as inventory hits a bottleneck.  This is the good news.  The not-so-good news is that parts of the western U.S. are not enjoying the rising sales prices.  As homes in those parts of the country stay on the market longer, sellers find themselves in competition with other home sellers.  And that leads to knocking prices down or making other costly concessions to close a sale.  If that sounds like your situation then what can you do?  What can any seller do when a house doesn’t sell as quickly as desired?  The answer to that question is many things.  But one thing in particular is relatively inexpensive and easy to accomplish.  That one thing is buying a home warranty.

Home Warranty

Home warranties have not exactly been praised in recent years, so it might seem unlikely that anybody will see these contracts as a big plus.  But that’s a widely adopted misconception and one that deserves some closer inspection.

I asked the founder of the home warranty industry, American Home Shield, to help me understand why their customers involved in real estate sales are choosing to cover their listing periods and buyers’ first years of ownership with a seller provided home service contracts.

Lisa Rice, National Vice President, Real Estate Sales at American Home Shield answered the call for information with some details that real estate professionals and home sellers may want to consider when deciding whether or not to buy a home service contract.

What types of home warranties are available to home sellers right now?

American Home Shield offers different levels of coverage for homeowners in any number of situations. Sellers can offer any of our AHS packages to the buyer at closing – Shield Essential, Shield Plus or Shield Complete.  Shield Essential, for instance, provides comprehensive coverage to a seller on their “essential” systems that could fail during the listing period.  Further, a seller’s portion of coverage is paid at “closing” – so there is no up-front out-of-pocket expense to the seller.

What is the average cost of these contracts?

Our prices vary based on the part of the country you are in, but in some parts of the country, you can get our basic Shield Essential plan for less than $2 a day. The Shield Essential plans cover major appliances and home system components.

Do these contracts typically help homes to sell faster?  If so then can you cite any statistics?

According to a 2013 real estate study conducted by NRT, we found that homes with an AHS Home Protection Plan sold an average of about 11 days faster and about $2,300 more than those without a home warranty — that’s over three times the average price of the plan itself.  Also, in many states where multiple offer situations are a reality, buyers might choose to provide sellers coverage during the contract escrow period to make their purchase offer more attractive. This is a tremendous benefit for the seller.

Can you say what percentage of these contracts result in paid claims?

An American Home Shield customer uses their plan an average of two times per year. We accept and pay more service requests than any other home warranty company in the nation. In the past three years, we have serviced about 93 percent of claims. That’s added up to $1.7 billion over the last 5 years and $3 billion in the last ten years.

Lisa’s feedback helped greatly.  Even as someone working on the marketing side of the home service contract industry I still need to understand why the industry keeps growing its customer base, despite so many consumer advocates and other critics lambasting home warranties as a waste of cash.  But there were still questions that I have seen and heard from homeowners not familiar with the home warranty.  And a few of those are important to air out, in my opinion.

Isn’t home warranty something that overlaps with homeowner’s insurance?

Absolutely not.  But this is still a good point to address.  It’s a common misconception among a large percentage of homeowners in the U.S.  Truth is, your homeowner’s insurance mostly covers the unforeseeable things that happen TO your house.  Home warranty covers the things that happen in your house that is expected, even guaranteed to eventually occur.  Your insurance is a wager of sorts between you and the company issuing the coverage, their bet being that you’ll pay a lot more in than you ever get out in claims.  Home warranty pays for things that are much, much more likely to happen to almost any coverage purchaser, things like dishwashers wearing out and refrigerators needing replacement.  This is where the common complaints about home warranty are most easily linked to the nature of the service promised to customers.  Homeowner’s insurance is typically far more expensive to maintain per year than a home warranty would be for the same house.  Why?  Well, the main reason seems to be the price that customers are willing to pay.  People just don’t want to spend as much on home warranties, it would seem, as they do their insurance.  But by looking for the absolute cheapest home warranty you are practically inviting problems down the road.  Like insurance, the home warranty can’t operate profitably for the company unless more money comes in premiums than goes out in claims.  Homeowners would do well to keep in mind both the differences between homeowner’s insurance and home warranty and the dynamic at work inside the companies.  Sometimes you really do get what you pay for!

How can I find the top home warranty companies?

This one is easy.  HomeWarrantyReviews.com is the best place to narrow down the options that a homeowner has for home warranty coverage, no question about it.  You won’t find a website that has been around longer than this one, when it comes to providing unbiased consumer feedback about home warranty companies.

How do I know if I’m the right customer for a home warranty?

This is the best and first question a homeowner can ask, in my opinion, when considering a home warranty.

Do you need one?  Do you not need one?  Is it better to put money in savings or have a credit card with a good sized credit line on standby for emergencies?  Is it better to buy the home warranty?

Answering these questions can be as arbitrary as a coin toss for some people, simply due to all the uncertainty involved.  Though a newer appliance is less likely to break and may be covered under a manufacturer’s warranty, there is also the matter of how time consuming finding a qualified, reputable contractor can be.  And if you’re an investor with multiple rental properties, that time you spend calling around to find a good contractor may be greatly multiplied.

To help you with this decision, I would suggest you read this article here on HomeWarrantyReviews.com, with helpful tips about deciding whether a home warranty is something you need or not.

Author Bio

Kevin Wallach writes about the home service contract industry and works in a marketing capacity within the home warranty industry.  He has followed the industry for five years and has worked just as long to help bring customers and companies together through Internet marketing.  He also is the administrator of the Home Warranty and Service Contract industry group on Linkedin.

 




When you imagine of the four seasons, certain images instantly come to mind. For summer, its swimming pools, lawnmowers and barbecue grills. For fall, its turkeys, footballs and pumpkins. Winter is snowmen, stockings and hot chocolate. And spring? How about mop, brushes and buckets? Though the season is a sign of new birth, it’s also the time when most people take the instance to clean up.

Spring

Spring House Maintenance For You!

Once spring has sprung, take some time to give your home a check-up along with its annual spring cleaning. Adding up some home maintenance tips to your schedule can assist your house function more proficiently. Precautionary maintenance is vital to the value of your abode. Keep your place in best shape with usual check-ups to put aside the headache and cost of emergency repairs.

Like many of us, homes require a tune up after the long winter months. Everything right from the roof to the sump pump requires an once-over after the season has taken its toll. For centuries, spring has been the cleaning time of year. In America, the thought of spring cleaning has become a custom for very sensible reasons. The cold and darkness that captured you in your house all winter grow fainter and are substituted longer days and warmer weather.

With much work to do, the job might appear overwhelming. The trick is to get organized. Prepare detailed lists of each set of tasks, possibly divided by room. After that, schedule one at a time, collect your tools, and get to it. Don’t allow the sum threaten you from beginning the parts.

Spring Home Maintenance Checklist

To help you protect your most priceless asset —your home—check with these potential issues and find out how to fix them. To make things easier, download our home maintenance checklist that covers all four seasons.

Foundation, Masonry & Exterior Surfaces

  • Test out chimney for loose, deteriorated or missing mortar. Mend problems.
  • Verify floors, concrete, floors and masonry for cracking, deterioration or jam packed. Repair problems.
  • Check for the patio, deck, porch and railings and external stairs for any damage. Fix now or this summer.
  • Take away debris from downspouts and gutters. Make sure you repair the leaks.
  • Check grading for proper slope away from foundation walls. Build up soil wherever required.
  • Ensure all wood surfaces-particularly at the soil level for peeling paint, dry not and weathering. Fix now or this summer.

Roof

  • Verify for open closures, bald areas or blisters on flat roofs. Get these fixed.
  • Test out flashing around sidewalls and surface projections.
  • Check antenna wires for possible leak sources.
  • Check for any loose, missing or damaged shingles. Have these substituted.
  • Check roof louvers for plugging or damage such as bird nests.
  • Check front and soffits for damage and deterioration.
  • If ice dams were a difficulty last winter, have your garret property ventilated and insulated.

Interior

  • Check crawlspace and basement for leaking water or moisture. Pay attention to all moisture problems.
  • Replace or repair broken windows or torn screens. Substitute broken sash ropes or hold-open devices.
  • Open vents crawl spaces in basements and open vents in crawl space.
  • Check your smoke detector when you alter clocks in advance.
  • Check your home’s cooling system before summer arrives.
  • Take notice of slow drains or back-ups. If required, clean your drain pipes before a really big back-up occurs.
  • Once windows can be opened, do varnishing, interior painting or other projects where smell can be a problem.

Lawn & Landscape

  • Spring is planting time of year, and a big time to clean up the yard from the winter.
  • Plant shrubs, trees, vegetables or flowers.
  • If required, apply pre-emergent weed preventer. Fertilize lawn, if wanted.
  • Plant grass seed in bare patches.
  • Take away left-over fallen leaves, lawn debris and dead plants. Trim bushes that brush against the house.
  • Unless trees are damaged by storm, postpone tree trimming until autumn or winter when it’s better to trim trees.

Consult this comprehensive checklist for undoing winter’s damage to your home. Take care for these issues every year and your home will express thanks to you. Make sure you pay attention to other important things in your life such as reviewing your financial needs this year, ensuring you have adequate insurance coverage, health coverage etc.




If you have been planning to buy a house or you have already bought a house, realizing the importance of homeowners insurance is very important. Make sure you have adequate coverage. Studies reveal that approximately 20% of the Americans have cut back on their insurance costs to meet their other monthly financial obligations.

Home Insurance Premium

However, insurance coverage is one thing that should never be compromised upon. Your home insurance should be such that it should not only give you adequate coverage but it should also do justice to the amount you shell out as premium. And your premium should be within your reach. It is only when you find it difficult to make payments for the premium that the insurance policy appears to be a financial burden to you.

The ideal way to find the best quote for homeowners insurance  is to shop around. You can compare quotes online or talk to insurance carriers personally. There are many insurance carriers that offer different plans to meet the requirements of the consumers. You can try out these and after evaluating the pros and cons of the plan, should you buy your  insurance policy.

It is very important that you are not underinsured. If you save some cash now by staying underinsured, you may have to shell out just the double in case of a financial emergency or an unforeseen event.

Ways to cut down homeowners insurance costs

Instead of buying inadequate coverage for your homeowners insurance policy, there are many things you can do to cut down expenses related to your insurance policy in a reasonable manner. Given below are few measures you can take to reduce insurance costs.

  • Do not insure the land, insure your home – The land that is attached to your house isn’t prone to theft, fire or windstorms. So, don’t waste money by insuring the land too. Insure your house and its belongings instead.
  • Enhance safety and security measures – You can install safety devices such as safety alarms and burglar alarm to enhance the safety and security of your house. It reduces the insurance cost to a great extent. And you may also avail discounts up to 20%.
  • Review your policy once a year – You want to get adequate coverage. So, if you review or check your home insurance policy every year, you will be able to make the necessary changes and adjustments as needed.
  • Stick to a single insurer – If you have been with one insurance carrier for several years, your insurance carrier may extend special discount to you. Studies reveal that several insurance carriers offer approximately 5% discount to consumers who have been with the same insurance carrier for a period of 3 years or more. And if you have managed to continue with the same insurance carrier for a period of 6 years, you can as well be given a discount of 10%.
  • Make electronic payments – It has been observed that there are many insurance carriers that charge approximately USD$5 for sending payments by mail. The best way to make your insurance payment is to have your premium deducted directly from your account. So, try to make payments electronically.
  • Review your credit rating – Maintain a good credit rating and make sure you keep track of the same. Often insurance carriers allow you to enjoy better rates if you have a good credit rating,

So, when you have the above measures to keep your insurance cost down, it is not necessary to reduce the coverage to save costs.




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.




Today’s topic:  Customer Service Success Through an Efficient Contractor Network in Home Warranty Industry

LOGO (1)

With thanks to the following participants:

Gwen Gallagher, President, Old Republic Home Protection

Dave Quandt, Vice President of Field Operations, American Home Shield

HomeWarrantyReviews.com is proud to offer the first in our new series of home warranty industry round table discussions.  In this first issue, we hear from two of the top companies in the industry regarding how each of their organizations meets the growing demands from their customers for high quality, timely service from repair contractors.

We asked each company the following three questions.  Their answers bring into greater focus how a very large home service contract provider deals with the challenges of a shrinking labor market while at the same time seeing its customer base increase and the demands of those customers increase as well.

HWR logos

1. Companies in the home warranty industry rely greatly on contractor networks. How does your company approach the job of ensuring quality customer service through a network of contractors?

Gwen:  Old Republic Home Protection sets high customer service standards for our Independent Network Service Providers… and it begins even before allowing them to join our network. Coaching service providers and establishing our service expectations begins with the first contact and continues throughout their tenure in our network.

As a standard, Old Republic Home Protection requires Service Providers to:

(1)  Provide timely and professional service

(2)  Be licensed in the trades they service

(3)  Carry General Liability Insurance

(4)  Charge fair and reasonable rates for parts and labor

(5)  Maintain the requirements on an on-going basis

HWR Industry round table

Prior to signing up, Service Providers receive our Contractor Guide, detailing our operations procedures, service processes, and service expectations. Calls throughout the sign-up process reconfirm our service expectations. We then follow-up each month to reinforce our guidelines, expectations, and commitment to our Plan Holders.

Customer feedback is paramount to the process. We respond quickly and appropriately when our Plan Holders, either through random surveys or interactions with our staff, indicate a potential service issue. We have a team of specialists dedicated to following up on customer feedback, rewarding service providers for excellent performance, coaching them when needed, and removing them from our network when they cannot meet our service expectations.

Dave: We hold our contractors to very high standards of performance and accountability. Last year we reviewed more than 3,500 applications from contractors that wanted to join the American Home Shield network.

Once a contractor joins, that contractor’s service quality is monitored on 15 different performance metrics, including quality and cost factors. Some of the tools we use include:

  •         Monthly quality of service report through customer surveys and comments
  •         Monthly work plan to monitor performance
  •         Monthly contractor scoring on quality and cost metrics

2. Is your company taking any steps to prepare for the forecast shortages of specialty trade workers, such as electricians, in the U.S. in coming years?

Gwen:  We work hard to establish a strong reputation with service providers. We reward service providers who perform well by giving them additional work, filling in the gaps when their retail business might be slow. We pay them quickly and fairly for services rendered and we treat them as part of our team. As such, service providers prefer to work with us and we’ve yet to experience shortages.

Even in regions where there might be shortages from a retail perspective, we seek out experienced tradesmen—those who’ve worked under the guidance of more seasoned professionals for some time—who are starting their own businesses. They find that working with Old Republic Home Protection is a great way to build their client base through word-of-mouth referrals and repeat business from satisfied customers.

We closely monitor every region, ensuring we have sufficient service providers to meet our customers’ needs. We focus recruiting efforts on those areas and trades that dip below our established thresholds. Recruiting can come internally through our team of service provider procurement specialists or externally through referrals from our nationwide sales staff and real estate professionals.

Dave: The biggest shortages we have seen are in the appliance and plumbing trades. We are recruiting in traditional ways, and are even expanding our contractor recruiting efforts using social media and advertising and engagement with trade schools. Getting connected with trade organizations will also help us find and recruit contractors in these areas.

Also, because we’re a business unit of ServiceMaster, we can approach thousands of franchise owners regarding available contractor services.

3. Summers and winters are bringing more extreme high and low temperatures each year. How does your company cope with surges in claims due to weather related strains on systems?

Gwen:  Meeting high demands begins with service provider procurement. Based on years of experience and data analysis, we are able to closely predict our service demands by region as the season’s change. We anticipate surges and plan ahead as opposed to reacting when they occur.

In those parts of the country that have weather extremes, we procure more service providers than meets the typical demand. As spikes occur, the higher number of service providers is most often sufficient to meet our needs.

In extreme weather surges, when spikes in demand are at their peak, we put the needs of our customers first. If our network service providers become overwhelmed, we’re quick to offer approval for Plan Holders to use their own service providers from outside our network. This process helps ensure fast and efficient resolution of the customer’s service issue.

Dave: We are strong advocates of customer education and engagement and share a lot of information and tutorials about the importance of regular maintenance on our Home Matters blog and YouTube channel. We also send out pre-season e-mail notifications to our customers about starting furnaces or A/C units early to ensure they catch any issues before temperatures change.

Because we have more than 1.5 million customers—and receive more than 3 million service requests each year—we have a lot of data around weather forecasts that helps us anticipate peaks in the heating or cooling seasons. With this data, we work with our contractors to plan for capacity in different geographic regions and make sure they are able to prepare from a staffing standpoint to handle the volume.

Our contractor relations teams also keep a close watch on customer saturation by Zip code to ensure we have adequate contractor coverage. If the demand is more than our capacity we immediately start recruitment of additional contractors to fill the gap.

HomeWarrantyReviews.com wishes to thank the participants in this first round table discussion.  For more information about the representatives from the two companies please scroll down.  If your company would like to participate in future round table discussions please click here for more information.

About the Participants of the Home Warranty Industry:

Gwen Gallagher is the president of Old Republic Home Protection (ORHP). For more than 35 years, she has held multiple positions within the company from customer service to financial reporting, becoming president in 1994. Gwen lends her vast experience and industry knowledge to charting the strategic direction of the organization, ensuring production and profit while maintaining its vision of “People Helping People.”

Dave Quandt is the vice president of field operations—and oversees contractor relations—for American Home Shield, the nation’s largest home warranty company. With more than 11,000 contractors in its network, American Home Shield has one of the largest home warranty contractor networks in the country.

Note from HomeWarrantyReviews.com to readers:  Would you like your company to be featured in upcoming round table articles?  Please contact us here.

 




I know it’s not normal to admit it, but I’m a warranty nerd. I spend a lot more time researching the home warranty industry than most people. But it’s sort of my job, so I feel less awkward admitting that I get excited over talking with people who are not familiar with home warranties, also called home service contracts. I like telling people about the service and helping them with their questions.

One of the questions I hear most often is “how do I choose a home warranty?”

The answer is initially easy but gets more complex as I go on with explaining the process. So I like to break down the process to five easy steps in order to make it all more manageable.

Step one: Do you need it?

Before you buy anything you really should decide whether you need it or not. With home service contracts it’s pretty simple to do this. First, is the home you want to cover with the contract brand new? If so then are you only looking to cover the appliances? If the answer is no then you probably don’t need the contract. If the answer is yes then the next question is whether or not the appliances you want to cover are out of the manufacturer or retailer’s warranty or service contract. If you say yes to this one then it’s time to shop for a home warranty. If not then you should probably wait until your appliances are no longer covered and then look into getting a contract to provide repair services.

Steps to Choose the Right Home Warranty

Step two: How much do you need?

This part is really important! Your livable square footage and the items you want to cover should be known before you begin shopping for a home warranty. Knowing these things ahead of time will allow you to get the most accurate price and coverage quote.  Do not go with a generic price and coverage quote or buy online without speaking to a company representative unless you are absolutely certain that the contract you are purchasing is exactly what you need.

Step three: Which companies cover your zip code?

Maybe you live in a highly populated place, or maybe you don’t.  This can affect how many service technicians are in your area.  And that can affect how many home warranty companies will offer to cover your home.  It pays to know whether or not a company covers your area before you get into examining price and coverage quotes.  You’ll waste time talking with the wrong companies if you’re not careful.

The easiest way is to go online to find home warranty companies that serve your area and short list them.

Step four: Do you already have things breaking or about to break?

This part is extremely important.  Some companies have periods of time after you sign up when they will not cover repairs.  You should ask if this is the case.  And you should also ask if things that were already broken or about to break are still covered by the home service contract.  Many companies in the home warranty industry have exclusions in their contracts for things that were not working properly or not properly maintained before you became their customer.  And in some cases the fine print in the home warranty contracts may require you to submit maintenance records or otherwise prove that something that breaks was not poorly maintained or repaired improperly prior to becoming a customer.

Step five: Read reviews and contracts carefully!

Along with understanding the exclusions mentioned in step four, this is the most important of all steps.  Do not buy a home warranty until you have read a number of reviews on reputable consumer review websites.  And do not trust websites that rank companies based on advertising dollars those companies spend with the websites.  You can usually trust services such as Angie’s List to provide objective information based on real consumer feedback.  But many fly-by-night websites cannot be trusted and will steer you toward whatever company is paying them the most for advertising or other marketing services.  The ultimate and best resource is a friend or family member who has experience buying home service contracts for their own homes.  Once you’ve gotten reviews or first hand experiences from other consumers you need to read the contracts you are considering buying, word for word.  Don’t skip things just because the contracts are dull reading material, and don’t overlook things that you think are not clear or worded suspiciously.  If you talk with a company representative about parts of the contract which concern you then you should either get a better feeling or an intuitive feeling that this company is not the right one for you.  And that’s how you make the best decisions when buying any product or service.

As you shop for a home warranty please keep in mind that these contracts do save some homeowners money, not to mention time finding a screened contractor on short notice.  But in some cases it makes just as much sense to put away money in a savings account that earns interest and leave that money for emergencies.  Ultimately the decision is up to each individual homeowner, and it’s not always an easy one to make.  If you are not sure you understand how best to calculate your potential savings on home warranty, you can use this excellent calculator provided here on HomeWarrantyReviews.com!

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.




Purchasing warranty plans for household items has become a common thing these days. Over time, it has become one of the best ways to protect your budget against unexpected repairs and replacements of damaged household devices.

A Home Warranty, sometimes called an Appliance Warranty is a contract that agrees to offer discounted repairs and replacements of the covered devices. They cover damages resulting from wear and tear and hence are ideally suited for houses whose appliances are over 4 years old.

insurance on appliances

Home warranties differ from homeowner’s insurances in the fact that the latter covers damages and losses resulting from natural hazards or crimes while appliance warranty covers damages due to regular wear and tear. You can never replace a homeowner’s insurance with a home warranty. It is generally considered that home warranties are best suited for the following people who –

  • Own appliances that are over 4-5 years old
  • Can’t afford frequent repairs and replacements
  • Do not have a trusted contractor to perform the repairs
  • Have no time for do-it-yourself repairs
  • Are owning a home for the first time

So naturally, they are not suited for people who

  • Own brand new or fairly new devices
  • Can afford expensive repairs and replacements
  • Have a trusted contractor or is a contractor himself
  • Have the time and skill for DIY repairs

There are a lot of home warranty companies offering a range of packages to suit your requirements. So never feel that you have only one option. In fact there are so many options out there that you may want to read a Home warranty buyer’s guide before you make a decision. In general, home warranties are affordable, with the annual premium ranging anywhere between $250 to $1000. The premium usually depends on the amount of coverage you are purchasing.

The advantages of owning a home warranty are many. And also, it is the closest thing you can get to peace of mind when it comes to protecting your budget. Let’s take a look at the pros.

Advantages

  • Being the repair contract that it is, home warranty takes care of repairs and replacements of damages happening to the covered device for a stated period of time. So if your appliances crash during the coverage  period, you will not have to spend much from your pocket.
  • Saves your budget from unexpected expenses due to appliance damages.
  • Almost all the major appliances and systems are covered. Electrical, plumbing, HVAC and wiring in general are included in a standard warranty plan. You can always purchase additional coverage too.
  • Each time an appliance crashes, you simply have to place a call to your service provider. They will send a technician to your doorstep to fix the issue. You have to pay a service call fee each time an issue is raised.
  • Depending on the coverage you purchased, home warranties sometimes even replace your device with a brand new one if the technician pronounces the device unrepairable.
  • Home warranties increase the value of your property at the time of sale as sellers prefer homes that are covered by appliance warranty.

If you have doubts about the devices that are covered and omitted, you can go through What is covered under Home Warranty plans to get a clearer picture. If you are still not sure if you need home warranty or not, we suggest that you read an article on “Do I need home warranty?”, this will certainly give you some guidance.

Working

Home warranty works in a very simple way. An appliance crashes and you call up the warranty company and inform them about the damage. They will ask you to give them all the necessary information like device name, manufacturer’s details, model no, batch no, and other relevant matters.

Once they collect this info, they will call up a service vendor with whom they maintain business ties. The vendor then collects your contact details to talk to you about fixing an appointment. A qualified and experienced technician then comes over to look at your device. If the repairs needed are minor, he will do them right away. However, if major repairs are needed or if parts need to be replaced, the technician waits for the approval of the home warranty company. Parts needed will be procured by the company. You will pay the service call fee to the technician when he comes to your home.

Drawbacks

This is not a free of cost arrangement. In addition to the annual premium, you will be paying a service call fee (around $50) each time you place a claim. Like a coin with two sides, home warranties too have a few drawbacks. Let’s discuss them.

  • Home warranty companies will always try to repair and not replace your damaged device.
  • Home Warranties do not cover pre-existing conditions or damages resulting from lack of maintenance. They also do not cover damages occurring due to crimes or natural hazards, that is the job of Homeowner’s insurance.
  • The technician sent over to your house will decide the extent and nature of your damage. The Home Warranty company will consider his word and not yours when it comes to determining the action to be taken up. If you have disagreements on this, contact the customer service operative of the company.
  • Claims can often be denied on unclear grounds and by stating tiny clauses from the contract which are often overlooked by customers. Ensure that you read the policy booklet and contract carefully to avoid any misunderstandings.
  • You cannot raise multiple issues in a single claim.

The bottom-line

Home warranties are indeed a great way to insure your household devices. It protects your budget too. It is necessary that you make a wise decision regarding the choice of company and warranty plan so that you make the best out of the deal. The policy booklet and the contract are vital documents and they must, without fail, be studied and preserved carefully.

You can go through reviews about various companies and their plans on our website to compare and choose the best.




There are few home warranty companies that do not charge service trade fee or “deductible”. If you are looking for such companies, please read on. Please note that we do not endorse any of these companies.

IMPORTANT: To read most recent list of companies that offer Zero dollar deductible, please visit our Home Warranty Plan Comparison section and sort the companies by Deductible (low to high)

Zero Deductible

Home Warranty Plans with No Service Call Fee

Following are the home service contract companies that offer zero deductible as of this writing:

  1. Complete Protection
  2. UtilPro Appliance repair
  3. HomeServe USA
  4. Stanley Warranty
  5. Hi Tech Home Warranty
  6. Certified Warranties
  7. AHPS Home Warranty

As a website dedicated to offering honest information about the various matters related to Home Warranty, we have collected the feedback of several appliance warranty customers in the form of reviews. Please check out our tool to find top rated home warranty companies in your area. There, you can sort through the various companies based on their premium amount, deductible amount, ratings and total reviews.

What is a deductible?

In an insurance policy, a deductible is the sum of money paid by the insured party before an insurer will pay any expenses. It is usually a fixed amount and is a part of most policies covering losses to the policy holder and must be paid by the insured before the insurance company’s own coverage plan begins.

For example, an auto insurance policy may bear a $500 deductible. If the owner of a car hits another car by mistake while parking and both drivers decide that the loss is minimal, he or she would pay the repair bill $500 out of his own pocket. Insurance companies would not support a claim for such small damages. Based on the incident, the deductible may apply per covered incident, or per year. For policies where we can’t restrict the incidences, the deductible is usually applied per year.

What is a premium?

An insurance premium is the definite amount of money charged by insurance firms for active coverage. Cost of a premium can differ widely for the same service, which is why experts strongly suggest getting several quotes before committing to an insurance policy. Insurance brokers or agents takes basic information from people and evaluate an insurance premium estimate depending on the answers and other factors.

The lowest quoted cost on a premium may be the better deal, but the level of coverage may also be lesser. Insurance premium is mainly based on statistics, while people’s habits and history can cause the premium to be lower or higher. For example, a 22 year old male looking for car insurance for a sports car can often predict a higher insurance premium than a 45-year old woman driving a mid-size sedan. Both may perhaps have excellent working records, but the insurance company considers the younger driver in faster car to be at more risk for accidents. Thus, the premium quotes will be clearly different.

In general, a faster car will cost more to insure, just because the owners of those vehicles tend to drive faster. The amount of a deductible is typically related to the amount of premium charged by the insurers. That is, higher deductible amount are usually related with lower premium rate and vice versa. Try to find stability between reasonably priced premiums and a fair deductible when buying insurance.




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

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

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

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

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

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

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

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

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

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

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




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

Green Advantage Warranty

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

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

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

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

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

About the company

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




HVAC Maintenance Checklist

 

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HVAC appliances are one of the most vital components in a home. Naturally, unexpected crashes and breakdowns of HVAC units disrupt a peaceful living. And once they crash, boy! They are really expensive to repair (or replace).

Any homeowner, in his right sense would therefore make sure that the heating, cooling and ventilation units are well taken care of and maintained. For all of you who are wondering how to extend the life of your HVAC appliances, this checklist is just the right thing for you!

Monthly maintenance routine

Yes, all HVAC appliances will do well if you give them some basic cleaning every month. Ensure that you do the following two steps at least once a month.

  • Check thermostat settings
  • Clean out the vents, replace filters, and keep it dust free as much as possible

Annual maintenance routine

The U.S. Dept. of energy advises homeowners to carry out a maintenance routine at least twice a year. This ensures that the power consumption is optimized and hazards are avoided. Here are the steps that you should carry out yearly to ensure healthy running of your HVAC appliances/ systems.

  • Hire a professional inspector to perform checks on your HVAC units
  • Hire a professional to clear the air ducts
  • Re check and tighten all electrical connections
  • Check refrigerant levels
  • Use suitable lubricants to lubricate moving parts
  • Clean the area around HVAC units and ensure that it always remains dry

If you think that these tasks are difficult and that your warranty plan will save you, here’s some incentive for you to get going in the right direction.

Home Warranty Companies usually DO NOT cover damages caused due to lack of  maintenance. Which means that if your system stops working and the technician diagnosis says that the damage was caused due to lack of maintenance, your claim may be denied.

If that is not compelling enough, here are some more things that will happen if you are careless about HVAC maintenance

  • Excess power consumption. Man! those electric bills are going to shock you (literally)
  • Unclean machinery heats up abnormally, this leads to fire hazards.
  • If vents are clogged with debris or other particulate matter, efficiency of the system drops
  • If you don’t monitor your gas/ fuel connections, health issues and fire hazards may happen

Appliances and systems in our home and around us help us lead a happy and easy life. So it is only fair that we do for them at least a fraction of what they do for us. Take good care of your appliances, don’t use them roughly and above all, purchase a home warranty plan to protect your budget against unexpected appliance crashes.

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With over 185,300 active Realtors in Los Angeles, selecting the right one to assist you with the sale or purchase of your home can be daunting. You will want to find someone who is proficient in buying or selling homes in your surrounding area in L.A as well as in your price range.

Best Realtors in Los Angeles

Below is the list of the top 5 Realtors in Los Angeles by their gross sales volume in dollar amounts and some other relevant information so you can feel confident when making decisions about buying or selling your home.

Brad Korb

Top Realtor Brad Korb

For more than three decades, Brad has focused his attention on helping families attain their goals of buying or selling a home in North Hollywood, Studio City, Burbank, Glendale, Tujunga, Panorama City, Sherman Oaks, Valley Village, West Hollywood, Van Nuys, and the wonderful and diverse surrounding areas. He listens to his clients’ needs patiently and then puts together the best strategies for reaching the results they want. He believes that true success comes from making objectives for what matters most in life. Whether he is with his family or assisting his real estate clients, Brad enjoys positive results owing to his unique ability to visualize a goal and make an effort for achieving it. This determination is what continues to take his career as a realtor to new levels of success. With over three decades of experience, Brad is an unmatched resource for all things from the real estate market to community services.

An alumnus from California State University-Northridge, Brad’s specialties include home sellers, home buyers, 1031 tax deferred exchanges, short sales, investment properties, first time home buyers, bank foreclosures, multi- residential homes, single family residences, condominiums, townhomes, downsizing, and relocation. The owner of The Brad Korb Real Estate Group, Brad and his team of  realtors have attained an incredible success for clients by offering services that go well beyond the average realtor. “We are very excited to have been endorsed by real estate mogul Barbara Corcoran, from Shark Tank, and also being ranked #1 locally by Wall Street Journal.” He believes that relationships with clients are based on accountability, dedication, loyalty, and clear understanding of client needs. There are three teams within the Brad Korb Real Estate Group. The listing team members concentrate fully on marketing client’s homes on every available marketing podium such as Internet, TV, and Radio. The buyer’s team is elite coached and sell up to 10 times as many homes yearly compared to an average realtor. The concierge team manages internet inquiries and phone calls along with the chat service on the website. Besides, Brad is also an owner of RE/MAX In Action and Civic & Social Organization Professional. He has received the following real estate industry awards:

  • #1 Realtor in the Valley (RE/MAX) Top 10 Realtor for California for 6 years (RE/MAX)
  • 2010 Best of Business Award (SBCA)
  • 2015 Best of Burbank Realtor
  • 2015 Best of Burbank Reader’s Choice
  • 2014, 2015  REAL Trends Best Real Estate Agents Award
  • 2014 Best of Trulia Top Agent Award
  • #37 in the country in 2010 (RE/MAX)
  • #1 Team in Burbank (RE/MAX)
  • Top 100 Team 2003 (RE/MAX)
  • Top 100 Team 2004 (RE/MAX)

Additionally, Brad is also proud to hold the following certifications sponsored by the National Association of Realtors (NAR):

  • Certified Residential Specialist (CRS) – the highest designation awarded to sales associates, recognizing professional accomplishments in both understanding and education
  • Certified Distressed Property Expert® (CDPE) – Brad has an in-depth understanding of complex issues in today’s dynamic real estate industry and understanding of foreclosure avoidance options available to homeowners. He can provide solutions, specifically short sales, for homeowners facing market hardships.
  • e-PRO – Brad is dedicated to making the most of today’s technology to help with your real estate needs

Brad’s interests include spending time with family, fishing, reading, Los Angeles Dodgers Baseball, Los Angeles Lakers Basketball, traveling, reading, concerts, and working out.

When you and your family are set to make the important decision to move, contact Brad Korb who is always focused on What Matters to You.

 

Jesse Weinberg

Best Realtor in Los Angeles

Jesse Weinberg is widely acknowledged as one of the Los Angeles’ leading realtors, focusing on the highly competitive Westside neighborhoods. With over a decade of experience in Playa Vista, Marina Del Rey, Playa Del Rey, and Venice, Jesse is a well-recognized member of Southern California’s brokerage community. He analyzes 20-30 new properties in person each week and can locate just the right home to match any search standards or set a precise value for a sale. His background in Business Administration and a decade of sales experience results in innovative strategies that make the most of his clients’ opportunities and aid them to reach their financial goals.

Jesse’s track record is unrivaled – he has sold more properties in Marina del Rey than any other agent for the last 5 years in a row! He believes that every client and every property is different, yet his goal remains the same: to surpass expectations in the course of a transaction as he works toward a preferred price and time frame. A Licensed Real Estate Agent at Keller Williams Realty, Jesse and his skilled team of realtors have built a thriving real estate empire. Jesse Weinberg & Associates delivers impeccable service and has effectively sold and leased more than 600 properties in the last decade with a very high customer service rating. The team has represented over 700 sales and 300 lease transactions – directly benefiting their clients by saving them time and money.  The seasoned real estate experts provide a robust database of skilled buyers, sellers, landlords, and tenants to the clients, resulting in a seamless offer-to-close process, shorter listing periods, and access to off-market opportunities. Jesse’s passion for real estate has earned him the following:

  • #1 Sales Team Nationwide for 2013 & 2014 by Keller Williams Realty, out of nearly 100,000 agents
  • #1 Sales Agent for (All Brokerages) in Marina del Rey in 2010, 2011, 2012, 2013, 2014, and 2015
  • #1 Sales Agent for Marina Pointe Drive in 2009, 2010, 2011, 2012, 2013, 2014, and 2015
  • Ranked Top 200 Agents Nationwide by Wall Street Journal and Real Trends (Top half of 1% of 1 million agents nationwide)
  • Named one of America’s Best Real Estate Agents by Real Trends in recognition of incredible results in 2013, 2014 & 2015
  • Top Los Angeles Seller’s Agent, ranking in the top 1% of 31,459 agents
  • A Condo Expert, ranking #7 of 31,459 agents
  • A Townhouse Expert, ranking in the top 3% of 31,459 agents.
  • A Single Family Home Expert, ranking in the top 19% of 31,459 agents

His specialties include Buyer’s Agent, Listing Agent, and Property Management. His loyalty and amiable attitude have led to a network of repeat and referral business. He is well-read and keeps up with the latest market trends and economic news. His transaction volume each and every year surpasses the last!

 

Danny Mahelka

Experienced Realtor in Los Angeles

Danny brings over two decades of experience to every transaction, where he focuses in the Greater Los Angeles area from Downtown to the beaches, North Hollywood, West Hollywood, Beverly Hills and everything in-between. As a motivated Realtor and Associate Manager, his proficiency has led to a lucrative and productive sales career with special emphasis on single family and condominium sales. Danny and his team always look out for clients’ best interest and deliver exceptional customer service in all areas such as marketing, escrow, and inspections. A consistent leader and a top sales producer, Danny is in the top 2% of all Coldwell Banker agents countrywide. Before moving to Coldwell Banker, he held a position as a commercial real estate agent with Silverstone Development Group, focusing on sales and leasing of commercial properties.

Danny accomplishes his goals by ensuring each property has a separate Business Plan on how, why, and to whom he is going to sell to. “It is specific, targeted and deliberate. Our specialization and full Business Plan marketing approach to selling property is a dedicated approach that is effective and relevant in today’s real estate market. We consistently win recognition from our peers and earn accolades from our Clients,” says Danny. His specialties include Representing Buyers, Representing Sellers, First-Time Buyers, Short Sales, Foreclosures, Relocations, Luxury Properties, Commercial Real Estate, Rentals, Condos, Resorts and Second Homes, Lease-to-Owns, Investment Properties, and Appraisals. His sprawling network, unmatched client service, outstanding sales production, and proven marketing tactics have made him recognized by Coldwell Banker from 1996-2012.

An Alumnus from Santa Monica College, Danny’s interests include reading and jogging. His professional appearance, integrity, communication and negotiating skills would ensure you a smooth and stress-free sale or purchase. “Relationships are about connecting, and I invite you to contact me about your real estate needs”.

 

Fredy Rodriguez

Awesome Realtor in Los Angeles

Selecting a right real estate agent is the first step in purchasing or selling a home. Fredy Rodriguez has been a licensed real estate agent in California for 15 years and is present with Fanthom Realty. Fredy’s coverage area includes Cathedral City, Coachella, Desert Hot Springs, Indio, Palm Desert, Coachella, Garnet, Palm Springs, and Thousand Palms. A top real estate agent listing website ranks Fredy as one of the top 2% of agents in Cathedral City for effectively selling homes and as one of the top 8% of agents for single family homes. “From suggesting mortgage lenders to explaining signing papers, I am here to make this normally daunting experience a smooth and successful transaction. My goal is to assist you in finding that perfect home.” Whether you want a big backyard or a 3-car garage, Fredy and his team find you that special property.

One of Fanthom Realty’s leading realtors, Fredy is recognized as a hardworking and trustworthy individual whose passion is to assist his clients in real estate transactions from inception to conclusion. Through his hard work and willingness to learn, he continues to beat his own records, year after year. His specialties include short sales, foreclosure, buyer’s agent, first-time buyers, and investors; financial (loans), and life insurance. Equipped with sufficient knowledge and expertise, he has received several awards and recognition such as:

  • Diamond Club No.1 Top Producer for 2015
  • Multi-Million Dollar Producer for 2014 and
  • Worked as a District Director of Fathom Realty from 2013 to January 2016

Fredy’s credentials and certifications include the following:

  • Council Of Real Estate Services (CRS)
  • Graduate Realtors Institute (GRI)
  • Short Sale and Foreclosure Resource (SFR)
  • Resort & Second-Home Property Specialist (RSPS)
  • Certified Broker Price Specialist (CBPS)
  • Five Star Institute, REO Certified
  • Five Star Institute, Short Sale Certified
  • Five Star Institute, Lease To Own Certified
  • Federation of REO Certified Expert (FORCE)
  • e-PRO Certified
  • Green Certification
  • Home Affordable Foreclosure Alternatives Program (HAFA) Certified
  • Certified Probate Real Estate Specialist (CPRES)
  • National Association of Hispanic Real Estate Professionals (NAHREP) member
  • Life and Health Insurance Licensee
  • RES.NET Certified

An alumnus of Palm Desert Community College, he is interested in networking with other realtors and seeking clients to assist them in the home buying and selling process. Fredy runs by his slogan “Under Promise and Under Delivery”. His only purpose is to earn referrals which are the life of his business. Contact Fredy Rodriguez if you have any questions or concerns about financing options, current listings, or the market in general.

 

Lynette Williams

Most sought after Realtor in Los Angeles

Lynette Williams has been a full-time real estate expert since 1997. As a practicing attorney, she specializes in real estate sales, development, and construction. Her other areas of practice include estate planning, contracts, and business structures. Her previous experience as a financial analyst, an insurance agent, and marketing coordinator gives her the talent to assess your real estate needs including financial analysis, tax strategies, legal ramifications, insurance requirements, and marketing strategies. She has also served as an officer in the United States Army. A graduate of the University of Florida and the University of Florida College of Law, Lynette’s goal is to offer the first-class service and build long-standing relationships with her clients. She works meticulously with the highest standards of professionalism to serve her clients’ needs. By implementing new tools and techniques and incorporating innovative concepts, she assists her clients to get the most of their home in the minimum possible time.

Lynette’s real estate record epitomizes her commitment to her clients. She has a record of selling more than 97% of all her listings with them being on the market an average of 19 days. 51% of all her sales have come from listings. She is equally dedicated to working with first-time buyers and buyers moving from their present homes. She especially comprehends the needs of the first-time homebuyers and is focused on their long-term real estate dreams. While most realtors look for new business from the general public, Lynette focuses her time on her existing clients and referrals. She has obtained the following designations and certifications:

  • Certified Residential Specialist (CRS)
  • Accredited Buyer’s Representative (ABR)
  • Graduate, Realtor Institute (GRI)
  • Short Sales and Foreclosure Resource (SFR)
  • NAR’s e-PRO

Lynette lives in the Los Angeles and loves going to movies, flying airplanes, real estate investing, rehabbing properties, reading photography, concerts, plays, and dining out. She is a member of the Beverly Hills/Greater Los Angeles Association of Realtors, National Association of Realtors, Los Angeles Bar Association, Toastmasters Int’l, and the California State Bar Association. Lynette is also involved with the 99s Club and the Los Angeles Area Chamber of Commerce.

Skeptical about home warranty? Leading home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator which allows customers to estimate costs involved in maintaining a typical American Household. The tool is absolutely free of cost and hence fascinates many potential home warranty customers. Also, there is a widget code (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>) for the home maintenance calculator tool to put in your website or blog post.




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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

Best Home Warranty Companies In Utah

Utah – Best Appliance Warranty Provider

 

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

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

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

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

1. American Home Shield

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

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

2. The Home Service Club

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

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

3. Select Home Warranty

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

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

4. Landmark Home Warranty

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

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

5. HSA Home Warranty

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

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

Do Your Research

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

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