Weichert to offer Home Warranty through HMS

Weichert Realtors announced the launch of its new Claim-No-Claim Home Protection Plan. This home protection plan, provided through HMS Home Warranty, now includes coverage for unknown pre-existing conditions, lack of maintenance and jetted bathtubs in addition to the coverage already provided by the previous protection plan.

Weichert

Its Financial Services said it is committed to offering its clients ‘best-in-class’ products and services. “The innovative Claim-No-Claim Home Protection Plan is a unique offering within the industry and lives up to the expectations we have for branded products.” said Bill McMahon, vice president for Weichert Financial Services.

Founded in 1969, Weichert Realtors has grown from a single office into one of the nation’s leading providers of homeownership services by putting our customers first. With nearly 18,000 sales associates, Weichert services all key markets in the U.S.

Unlike most home warranties, the Claim-No-Claim Home Protection Plan provides value to homeowners whether or not they make a claim. Buyers can have peace of mind knowing they are covered should something go wrong. However, the plan also provides value to those homeowners fortunate enough to not need any repairs. Buyers who have not submitted a claim during the first nine months of their initial year of coverage are entitled to a heating or air conditioning maintenance visit valued at up to $100. More details can be found at Weichert Gold Services or by contacting your local Weichert Realtor.

A premier upgrade option has also been added to The Claim-No-Claim Protection Plan. This optional coverage addresses disposal or removal of defective equipment, recapture or reclaim of refrigerant, permits and mandatory systems upgrades as a result of size and code violations.






Our lives in the twenty-first century are irrevocably bound to technology is one way or another, be it at work, home or for leisure time activities. Our daily routines are punctuated with the usage of machines and home appliances of all kinds, from a coffee maker to wake us up, an oven to heat the morning bagel, washed vessels out of the dishwasher to a carton of cold milk in the refrigerator.

Know your service repairman to maintain your home appliance

Now that convenient and comfortable living is synonymous with the usage of home appliances, keeping them up and running becomes an absolute necessity – imagine going even a couple of days without a garbage disposal, coffee maker or refrigerator! Adding to the day to day need of these home appliances as a reason to make sure they are maintained, there is also the simple fact that they don’t come cheap, and if a little sprucing up now and then can keep them new, shiny, energy efficient and functional for longer, then why not!

Home appliances are not always sturdy enough to survive rough and constant use without maintenance and require a routine round of cleaning, servicing, and safety measures to be followed to make sure they work right. The unseen side of burnt grease in your oven, deposits in your dishwasher or corrosion of your washing machine coils can lead to your home appliances malfunctioning, and if you wait too long then the only solution left at your disposal may be a replacement.

Another extremely important factor to keep in mind when it comes to home appliances is that they are directly linked to your electrical systems and usually take up a large part of your electrical load. Even if a perfectly functioning washer or air conditioner uses up a considerable part of your total electrical consumption, and as the appliance begins to deteriorate, its efficiency when it comes to energy consumption only drops further. In fact, if the appliance is left too long and is affected by rust, corrosion or damaged internal circuits then it could even cause your home’s electrical system to short circuit or blow out.

Each of the home appliances has its own mode of functioning and requires specialized care and attention to certain details like coils, filters and external switches and controls. Though the general thumb rule is to make sure an overall level of cleanliness is maintained, here are a few things to keep a check on when it comes to individual appliance systems.

Air Conditioners – Filters and Coils

HVAC Maintenance tips

The first step to maintaining your home appliances effectively is getting acquainted with its major functioning processes and parts.

Filters and coils are the life of an air conditioner, the former keeping the airflow steady and clean and the latter doing the actual cooling and temperature stabilization within the machine.

A routine cleaning of air filters and replacement them when just cleaning is no longer sufficient is essential to keeping your air conditioner in a suitable working condition. When air filters get blocked with dust, grime and larger particles, the normal airflow is obstructed and the appliance uses a much larger amount of energy to pump in the same amount of air, making it an inefficient use of power. The dust that has settled will also transfer to the coil, creating a layer of insulation that will hamper its capacity to absorb heat. Adding to that, the filter will be unable to serve its primary purpose of purifying the air, and the room will gradually get laden with dust, causing allergies and other respiratory issues.

Depending on the climatic conditions of where you stay, or even if you have furry cats and dogs in the house, the need to clean the filter may become more frequent. Dust storms, humid weather causing the filter to get damp and clogged and a lot of dust being sucked into the filter can have the energy consumption of your air conditioner to drop anywhere from 5% to 15%, if not more. Also, check if your filters are reusable or have to be replaced after a certain period of time, because after a point, cleaning a non-reusable filter doesn’t help.

Dirt and grime aren’t isolated in only the filter; the evaporator coil and condenser coil of an air conditioner collect layers of dust as well. As the whole purpose of the coil is to act as a conductor, when an insulative layer settles on it, its ability to heat and cool reduces, reducing the effectivity of the cooling system as a whole. This, in turn, sucks at more energy to keep down the temperature of the room. Usually, a clean filter helps keep coils clean for longer, but eventually they too need to be cleaned.

Condenser units which are outside must be maintained as well, as they collect dust and debris very easily. Any obstruction to the airflow around them can be the cause of overheating and excess energy usage.

Washing Machine

Washing machine: effective way to maintenance of home appliances

While the maintenance of an air conditioner is dependent on the air around your home, a washing machine’s upkeep is dependent almost entirely on the quality of water. Besides a general use of baking soda and detergent to run empty cycles and keep the machine fresh and smelling good, descaling and cleaning out lint are two essential tasks on your hand.

If you stay in a part of town that gets hard water supply, then cleaning your washer drum with an empty hot water cycle once a month is crucial. You can add a decalcifier right from your kitchen – either baking soda or white vinegar – to the hot water, or use a commercial decalcifier available in any supermarket.

The filter and pores of the washing machine are a part of keeping the drum fresh and dry, so make sure you check for any caught dirt, lint or hair in the filter and clean it out at least once a month.  

Once the drum is clean and sparkly, shift your attention to the dryer. Invariably, a normal weight load shouldn’t take more than an hour to dry, at most. If the speed is dropping below this, or the dryer still gives you partially damp clothes after a full cycle, then it’s a good idea to check the vents and get them cleaned or replaced. A damaged dryer vent could be dangerous even when it comes heating up of the appliance, which could cause internal short-circuiting or even fires.

You can choose to call a professional, a vent replacement shouldn’t cost more than $100. If you prefer to check and clean yourself, start by removing the exhaust from the back of the washer-dryer, clean out the clogged lint in the crevices, and inside the tubes and opening in the back. You can use a long thin object to help you reach the narrow crevices, but don’t use anything sharp that can scratch off the film and cause more damage.

Refrigerator – Coils and Water Filter

Refrigerator or Fridge, home appliance maintenance tips for Homeowners

Any clogging of coils in a refrigerator directly obstructs the flow of air, making the generator unit of the machine use up more energy and work much harder to maintain the temperature inside the unit. Any debris can cause the coil to clog up, from dirt and dust to pet hair and particle lint. Use a rag to dust off the visible portions of the coil – usually located in a panel beside the door or at the back of the unit – and then do one quick round of vacuuming to make sure all the fine dust is taken care off.

The water filter in the refrigerator serves the purpose of purification as well as temperature moderation of the water in the ducts. If the filter’s working is compromised due to impurities, then there is a chance that you are being exposed to contaminated water. The process of replacing the filter is specific to each model of refrigerator, but it is usually a simple turn on either side to unlock the old filter from its place and lock in the new one. Replacing the filter at least 3 to 4 times a year is usually recommended.

Garbage Disposal

How to resolve issue with Garbage Disposal?

A home appliance that is all about hygiene and is used on a daily basis, a broken garbage disposal can be a very difficult thing to deal with even for just a few days. To keep the foul smells, residue, and grime in check in the chute, a simple home remedy is to use a combination of ice cubes and either salt or white vinegar to sanitize it. Pour in the mixture, wash it down with cold water and then turn it on, adding activated carbon or lime peels and slices to cut out the odor.  

Oven and Microwaves – Self-cleaning and Otherwise

Ovens and Microwave maintenance, essential tips

Ovens that are self-cleaning are usually easy to maintain, but it is important to run regular cleaning cycles before the inside of the appliance is too caked with grease and food particles. A self-cleaning oven cuts out the need for chemical cleaning agents, using temperatures up to 900 degrees (Fahrenheit) to incinerate the leftovers within the oven and smoke them out.

Regular cleaning, in this case, is necessary to make sure that the smoke production in each cycle is kept to a minimum; it helps to use a soft absorbent pad and dust off the larger particles beforehand.

Ovens that do not have a self-cleaning preset must be maintained regularly and very carefully as well, especially since grease residue can cause fires and malfunctions in the thermostat, especially if the vent is clogged and doesn’t allow for fumes to escape. Warning: commercial cleaning compounds are safe to use but should never reach close to the electrical connections inside, or the heating elements as it could cause disaster reactions.

Microwaves can be maintained by just sponging them down on the inside and out to remove any dirt and spills. Check regularly if the door seal shut tightly, and in the case of an abrasion call for a professional to service it. If you feel the need to handle issues of smells within the microwave, one trick is to use a diluted mix of baking soda and water – keeping it to heat inside the appliance and removing it once it has completely cooled down.

Home Warranty for Home Appliances

While home appliances come with manufacturer warranties of their own, our usage of home appliances far surpasses the given period during which this warranty serves its purposes. What is more, when we buy a home then often home appliances come with it, many out of warranty or even maintenance.

Both in terms of cost effective servicing as well as hassle free problem solving, investment in a Home Warranty scheme can help you through every step of the process. From identifying the problem at hand to repair and replacement, companies provide unlimited support all year around on all your home’s major appliances and systems, giving you the freedom to delegate.

To know more about how to get yourself warranty, what coverage schemes are available, individual state laws and companies which are highly rated, scroll through the articles, reviews and guides on HomeWarrantyReviews.com – comprehensive information right from the consumer.




So, you have decided to purchase a warranty that’s going to protect your budget against unexpected repairs and replacements of your household devices. It is a wise step, but you might also want to know about the options you have when you buy warranties. We bring you the list of the most common types of warranties that are purchased to cover household appliances.

Warranty Plans for Household Items

Warranties can differ based on several criteria. The age of appliances, age of the home, current conditions of the device are all significant factors that you must consider before you zero in on a household appliance protection plan.

 The working is pretty much the same for all these plans. When a device cracks, you inform the folks from whom you purchased the warranty and then they send over a technician to fix the damaged device. You will pay a service call charge each time you raise an issue. And, you can’t report multiple issues in a single call.

Before we go into all that, we have to tell you that the Homeowner’s insurance is something that is not included in this article. It is an entirely different plan and if you wish, you can read about the differences between Homeowner’s insurance and Home warranty.

Let’s begin with the list

#1 Home Warranty

We bet that you have definitely heard about this one! This is also the most widely used plan. The Home Warranty also called as the Appliance Warranty/ Appliance protection plans ( it is known by quite a number of names, would take sometime to list them all out) is a service contract that agrees to offer discounted repairs and replacements of your household appliances.

This plan is ideally suited for customers whose appliances are over 4 years. Appliance protection plan covers damages that result due to regular wear and tear, so if you have brand new devices, chances are that you won’t need frequent repairs.

Also, this is not a free of cost arrangement. As a matter of fact, none of the plans discussed here are free. They do cost money, but the amount is nominal as compared to how much you will be paying if you had to carry out the repairs and replacements by yourself.

Home warranties cover almost all the major appliances and systems in your home. They don’t cover the outdoor devices like sprinklers and all that. Read your policy document to get a better idea. You can also read a brief description about the appliances that are covered.

If you think that this is the ideal plan for you, we suggest that you read more about Home Warranty before you make a move.

#2 Manufacturer’s Warranty 

This too is a familiar name. It is the kind of warranty that the appliance’s manufacturer provides for a limited period of time. Meaning that when you purchase a brand new appliance, the manufacturer’s warranty agrees to repair/ replace your device if something happens to it during the stated warranty period. The time frame changes from manufacturer to manufacturer. The average is often 1 year.

This warranty is a kind of legal binding. If they displease you by not honoring the conditions mentioned in the warranty contract, you can sue them.

Most new gadgets come with a manufacturer’s warranty, even if you buy them online, you can get the manufacturer’s warranty. Major appliances like HVAC units come with longer warranty periods. But keep in mind that the coverage doesn’t remain the same thoughout the warranty period. From second year on-wards, you will be paying for the repair service as the coverage becomes limited to certain parts alone.

You can’t use a Home Warranty to cover a device that is already covered by it’s manufacturer’s warranty. As stated before, Home warranty is for devices that are old, used and no longer covered by the manufacturer’s warranty.

#3 Seller’s warranty

Also called as the dealer’s warranty, and is the warranty that is provided by the seller of the device. This is a very short duration warranty, usually around 6 months and if a defect occurs within the stated time, you have to take the gadget to that particular seller itself and no one else. It is not a very flexible and easy plan, but it is definitely better than no warranty at all.

#4 Extended Warranty

This is the kind of warranty that gives you the choice to extend the manufacturer’s warranty as and when it expires. These are ideal for the devices that are not covered under the Home Warranty plans eg., TV, Laptops, etc.

You can’t avail extended warranty on used and old devices. They can only be taken for fairly new gadgets whose manufacturer’s warranty expired recently.

#5 Home service contracts

These are third party service contracts, often provided by the seller or repair vendors. The costs vary widely as these contracts are usually given by local yet licensed service vendors. The coverage also varies so it is difficult to give much details about this type of warranty.

Speak with a few vendors and compare with the other options you have.

Getting the best

Do your research to get the best out of Appliance warranties. Always ensure that you chose a reputable company. You can also check with the Better Business Bureau to ensure that the company you chose has a clean record. Friends and family can also recommend good companies for you.

Remember, any kind of warranty, if chosen wisely can benefit you immensely by protecting your budget and also by giving you peace of mind.




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

extended warranty

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

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

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

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

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

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

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




When fixing up your home, the kitchen is a great place to start. This is because the area is one of the busiest rooms of the house – it is the place where meals are cooked, dishes are prepared and sometimes food is also shared. Improving the kitchen area can help you bring about change in other parts of your life, like sticking to a better diet or resolving to be neater in other rooms.

Improve your Kitchen

 

Complete remodeling may not be the perfect solution always as it requires complete renovation and a decent budget too. However, the kitchen can simply be improved by employing few decorating techniques.

Here are a few ways to change the way your kitchen is treating you.

  1. Organize and enhance storage areas: The kitchen is a room where clutter tends o build up. Minimize chaos even in the smallest spaces. Pay for baskets or decorative storage bins to hide rarely used items above cabinets and free up cabinet space. Keep countertops clear, especially if counter space is limited and reflect on wall storage options instead. Shelving comes in different styles – including brackets that can be set up on angled walls. Don’t overlook backside of doors, corners as potential storage areas. Glance through websites for ideas and products to get solutions to the most hard-to-solve organizational troubles.
  2. Do some decorative painting: Decorative Painting Ideas On Kitchen WallsLook through and recognize areas that need spicing up. Don’t undervalue the impact of adding color in unexpected places. Paint the walls of the kitchen in relaxing or light colors. Light and bright colors shall make the room appear large and shall breathe in life to the room. Darker shades are to be avoided as they are known to make the room appear compact.
  3. Get rid of boring backsplashes: A portion of colorful wall next to countertop can brighten up the entire kitchen if painted in a contrasting color. Or, attempt applying textured vinyl-coated wallpaper. There are several other products obtainable to give homeowners the ability to upgrade such as peel-n-stick metal tiles, as well as DIY kits for setting up glass mosaic tile. In case there is an existing monotone backsplash, there are a variety of tile to pick from to create a new look reasonably.
  4. Refinish or paint old wood cabinets: Kitchen CabinetsIf you have old wood cabinets with a dull finish then think about refinishing or painting them. Add attractive trip to plain cabinet doors, or buy new door fonts. Paint or change old, worn hinges and hardware. Put in new hardware back plates – they are functional and will showcase new hardware while hiding defects and holes.
  5. Expand without gutting: Checking with a contractor is a great way to come up with ideas and implement changes to an inefficient, claustrophobic floor plan and is more inexpensive than most homeowners expect. Completely or partially removing a wall, or stealing space from an adjacent room, can make a great difference in the way a kitchen feels and is not nearly as expensive or inconvenient as demolishing the entire kitchen and starting from scratch.

Below is a list of some more efficient techniques to assist you improving your kitchen:

  • Rather than storing food items and other ingredients in the package they come, stock up them in containers or jars. Obtain different types of containers for storing different items. For example, you may choose transparent jars but with different lids or prints.
  • Put in new lighting to produce a fresh dramatic effect in the room. Try to put in different types of lighting in different areas of the kitchen rather than a single bright light. Ascent lights, pendant lights, task lights, under counter halogen are some well-liked options.
  • Add a mirror to the kitchen. Mirrors are wonderful decoration items and generate the illusion of larger space. You may hang the mirror or any idle wall of the kitchen, together with the wall above the stove.
  • Set up hooks or hangers on one of the walls of the kitchen. They can be used for hanging pots and pans, serving spoons and kitchen cloth. Hooks are a sensible option as they shall free up the cabinet space.
  • Buy a kitchen island for your kitchen. Kitchen Island CabinetsIt shall provide an additional work surface to the kitchen. It is suggested to buy collapsible or portable kitchen islands so that they can be removed or folded when not needed.

There are a dozen kitchen improvement ideas which when followed to the latter bring the change you have been wishing for in your kitchen. When settling on which one to begin you should give consideration to the value that it will add to your home. To know more about this check out our Home Maintenance guide.

No matter where you live, kitchens are often one of the most used spaces in a house. Whether you are chef, someone who loves to cook, or the one liable for family meals, having an intuitive, practical kitchen space makes being in that space more enjoyable.

Kitchen area is very important in the house and the health of your family is also lined up so ensure to keep the whole area clean, comfortable and beautiful all the time. Well it is certainly great to work in an area where you feel most comfortable in, so the ways mentioned above can ultimately improve your cooking for the whole family which is a great thing. In case you are planning to renovate your kitchen, you might well reflect on the tips mentioned.




Which home would you rather purchase? One that gives you no protection if the air conditioner, plumbing, furnace, garage door openers or dishwater go kaput or one the with a home warranty that fixes any repairs for less than $100?

Majority of buyers would opt for  the latter. It is simple to see why many sellers are making  home warranty part of the selling contract. Provide yourself a marketplace edge by giving buyers peace of mind.

Sell Your House Faster

A home warranty offers the buyer with peace of mind that helps in case there are any problems with major appliances, electrical or home systems. Generally there is a deductible service fee of about $ 60 payable per incident. The cost is generally around $300 to $400 in the form of an annual fee which buys peace of mind and adds value when you’re staring at selling your house.Sell Your House Faster

Additionally, some real estate companies may provide appliance and system protections plans to their customers at no extra charge. Nearly all real estate agencies will offer this service for free, which is generally built into the selling price of the home and brokerage of the realtor.

People who are procuring an older home will buy a warranty if there isn’t one already provided by the seller. This is where having a home warranty for your home is an excellent selling feature. Potential buyers are ought to be impressed if the home is already covered for its appliances and systems.

How to Compare and Choose the Best ?

You can effortlessly find a company that provides appliance protection on our website here or by asking your real estate agent. They will possibly have a list of good home warranty companies that they have used in the past and can advice. Your research also helps choose the best. It’s vital to find out what a company charges along with coverage and other clauses.

 

 

You must compare plans based on the categories below.

  • Systems and appliances covered
  • The cost of the home warranty
  • Service deductible fee
  • Exclusions
  • Other variables like add on’s and customization of plans

With a home warranty, you can give buyers with peace of mind allowing them to be assured that the home is worth their investment. This can be  an outstanding selling feature for any home, new or old. A home warranty can aid you to sell the home faster, standing higher than other homes for sale on the market that do not come with a home warranty.

Selling your home can be a daunting task. Providing appliance protection should do the trick. This service gives your home buyers the composure they look for.

Other Tips for Improving the marketability of Your Home

A few tips for you that will better the chances of finding a buyer for your house.

Kitchen Remodeling

One such improvement is kitchen remodeling. The key aspects you must bear in mind when remodeling are good floor area, sufficient storage space and other modern features. An agent in your locality will be the best person to advice. You can also look up on the internet for resources.

The most common reasons people go for kitchen remodeling are :

  • To improve materials, appliances and fixtures
  • To provide more floor space
  • To provide extra space so family members have a place to grab a quick bite or dine together

Putting back old kitchen cabinets with solid wood – whether cherry, oak or even something less pricey like pine and kitchen counter tops is a good way to increase the kitchen’s usability and appearance as well as the market value of your home.

Bathroom Remodeling

Like kitchen remodeling, bathroom remodeling needs the services of a professional contractor.

It is important  to have a comprehensive plan and know what type renovation work you want before beginning the project so that code compliance laws are met and essential permits obtained.

Be specific when making the list. Instead of just a lavatory, identify the type. Pedestal lavatories can cost over $300, while a simple wall-hung model can just be under $ 70. Designer toilets will be a little over $ 1,500 while a standard two-piece model will cost under $100. Shop for the finest quality fittings.

Besides, here is a list of 6 tips for selling your home that can change the way home buyers look at your home.

  1. Change the mailbox. The mailbox is one of the first items potential buyers see from the curb. A rusty mail box shows a poorly maintained home.
  2. Paint the front door.Depending on the type of door you have, it is prone to wear and tear making it look dull. The dirt from outside stains and the light it is exposed to fades the paint. A fresh paint can vary the image of the psychology of the buyer entering the house.
  3. Trim shrubbery. Shrubbery is good but overgrown shrubbery looks untidy. It makes the same impression – unkempt, not looked after and not clean. Sensible use of the clippers can make a huge difference in the curb appeal.
  4. Fertilize the lawn. Few things make a bigger impression than from the curb than a blossoming green lawn. And nothing will attain that for you than a little addition of fertilizer. Also apply a little seed to the balder patches of the loan and you can see improvements in a week.
  5. Change Light Switch Plates. Unavoidably, light switch plates and plates for outlets show signs of constant contract. Finger prints, dirt can be clearly visible. You could attempt cleaning them one by one but the plates are very cheap. However, clean plates would point to a home that is cared for to the last little item.
  6. Clean the windows. Dazzling clean windows make the house more attractive both inside and out while dirty windows showing hand prints, rain stains create a negative impression on the home buyer.

This list gives you a starting point on economical ways to improve your home’s marketability. Now you should walk your home and try to find the little things that could be made cleaner and brighter with very small expenses.




Garbage disposal is one of the best inventions for the convenience of homemakers. They have reduced the amount of garbage to deal with making your life hassle free. But throwing in wrong things can lead to clogs, jams, blockages, odors and huge plumbing bills. With little care and maintenance your garbage disposal can be kept in best condition, extend its life and save on repairs. Here are some handy tips to help you deal better.

 What should not be put into your garbage disposal?

Your Garbage Disposal  These disposals are meant for heavy duty but you need to be careful about what goes inside and what quantity? There are some items which can clog and damage your appliance due to their fibrous and starchy nature. Here is the list of things which you should watch out for

  • Chicken and fish bones are hard for your garbage disposal and it cannot break them into  small pieces to pass through the drain and can end up damaging the blades.
  • In the never-put-down-the-disposal category are banana peels, corn husks, papers and egg shells, these are very fibrous and while they won’t necessarily stop the disposal, they will eventually clog the drain.
  • Another absolute no is uncooked rice or pasta while it passes the disposal, it can get stuck in the drain and swell, creating a really tough and expensive drain clean.
  • If the pan has leftover oil do not pour it into the disposal, the grease has the tendency to solidify and clog your entire drain.
  • Watch out for those bottle caps, baby spoons  and anything which is non- biodegradable they are a strict no for your garbage disposals.
  • Always remember to run plenty of water when you use your garbage disposal. Most blockages are caused from using less water.

What can go down the garbage disposal?

garbage disposal cleaning

  • Vegetable and fruit peels cut into smaller pieces can be easily grinded by your disposal.
  • Leftover foods can also be put down.
  • Do dispose of liquid materials in the garbage disposal, if they are not hazardous or made of primarily fats or oils.

How to maintain a garbage disposal?

Maintenance  of your garbage disposal is crucial, negligence and non maintenance of the appliance makes it ineligible for home warranty coverage. Home warranty sellers may not state these factors clearly, and this will create dissatisfaction to you. Here are some easy tips for the maintenance of your appliance.

Not the hard way out

Do not put hard substances like plastic or bones into the disposal, they can get stuck and jam the rotating parts.

Bigger is not always better

Cut those vegetable and fruit peels into small pieces then add into the garbage disposal instead trying to push large chunks at once.

Cold water only

Turn on the cold water when the disposal is running. The waste still has a long way to go. Cold water prevents the motor, bearings and shredder assembly from overheating.

Citrus for the odor

Dispose some citrus fruits like orange and lemon to keep your disposal odor free. For stubborn odors pour baking soda into the drain and let it set for several hours before running the water into it.

Ice will do the trick

Grind up a tray of ice cubes once in awhile to keep blades sharp. If the blades of the disposal are worn out then consider replacing them with new ones.

 Tips to Garbage Disposal Repairing

A garbage disposal can run into many kinds of problems, some of which can be fixed easily while others may need professionals help. For safety sake never take risk if you find  the job not qualified for you to do, take a professionals help. Here are some common troubles you might encounter while using this appliance.

garbage disposal

Overheating

If you turn on the switch and your garbage disposal doesn’t even make noise, then it’s probably overheated due to overfilling and the switch might be  automatically turned off. The first step is to look under the unit and locate the red reset button and turn your disposal on once again.

Jamming

You can hear the appliance humming but still you cannot see it working, then probably it is jammed. Firstly never put your hand down into the drain and  grinding chamber, no don’t go by your instinct its extremely dangerous.

Secondly, turn off circuit breakers to the unit and then remove bottom housing to dislodge the blockage from beneath. If you find this task to be little tricky better seek professional’s help.

Clogged Drain

Food materials occasionally gets accumulated in the drain after it has gone through the disposal and cause a clog. To repair a clogged drain, place a bucket underneath the drain. Next, use a pipe wrench to loosen the fittings on the P trap. Remove the P trap. Once it’s been removed, try to locate the clog and clean it out. If the clog is not in the P trap, you may need equipments to free the clog.

Whenever you are dealing with your garbage disposal, it is wise to turn the power off at the fuse box because there is a greater risk that the switch will get bumped and the blades might end up giving you a surprise.

Home appliance warranty covers garbage disposals under major appliances, but damage due to lack of maintenance and replacement are not covered in the scheme. A bit of alertness and regular maintenance can save huge costs of plumbing and keep your appliance in good working condition, where you don’t have to juggle with the trash bin.




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.




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

Home Warranty Claims

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

Common Causes of Home Warranty Claims Denial

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

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

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

How to Dispute Home Warranty Claim Denials

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

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

 




Company: American Home Warranty (AHS)
Reviewed by: Jon, Jacksonville, Florida

As you review the responses contained here remember there are people who have relatively good and bad experiences. No one here should be gripping like our friend from Bowie, MD. Reading your contract, if its like mine is very simple. Getting maintenance if required is a service call to your provider and will cost you no different than a complaint call.

The point here is the point of a contract is to work in good faith. Unfortunately AHS doesn’t work in good faith.

AHS does however work diligently to minimize their costs to increase their profit margin as an INSURANCE company. They are hedging their bet the more difficult it is for you to go through them for repairs the more likely you will be to get a needed repair fixed yourself and forego the hassle of using their CSR’s. This is how any INSURANCE company works.

It is clearly not the fault of a person to believe they have paid for a degree of service as a contract states only to find the fine print states otherwise. This is why we need more fair contract laws. This is not a liberal or conservative point. It is a point that a company needs to be regulated properly and AHS is on a fringe between regulatory agencies. How did our country get in its current financial condition? Poor regulation and advice like that from our friend in MD.

Please use your own best diligence in considering a home warranty (insurance) policy. There are few firms who will do what a homeowner wants, but fewer still who will actually provide quality repair/replacment other than what they can get away with (breaking state and local ordinances on workmanship and unskilled work crews.)

Don’t become a poor service statistic, do your own diligence, call your provider, call back when you get your service call, call the service representative in advance to confirm and describe your service need, call and remind your warranty provider of the service you get and confirm the repair meets your local ordinances (ask an inspector to verify it!).

IF you do these things you’ll at least get complete and sound service. It may be on their schedule, which may not meet your expectation and it may not provide you with the expected solution you want but it will be complete. Miss anyone of these steps and you could find yourself out of pocket for both your warranty fees and additional service fees




The joys of home ownership and delight of self-sustenance comes hand in hand with maintenance anxiety and budgetary concerns. Let’s look at how to lighten the load and delegate some of the upkeep and repairs with the help of a home warranty plan or a home service contract!

Working towards keeping your home new, resolved and looked after always, Home Warranty is your one stop shop for all your servicing needs when it comes to your home – and all that without any unnecessary worry. Taking care of all issues when it comes to day to day wear and tear or appliance breakdowns, Home Warranty is like a homeowner’s insurance policy, but for the little things and routine aging of your home appliances and systems, which can be done by getting a free quote from HomeWarrantyReviews.com’s website. On the other hand, insurance tends to focus on major damage because of unforeseen circumstances and natural disasters.

If you’re diving into the deep end of the Home Warranty pool for the first time, here is some basic information to guide you through the process and keep you afloat.

Buyer, Seller or Realtor?

Investing in a Home Warranty scheme can work out great whether you are a new homeowner, a seller looking to strike a no-nonsense deal, or even a realtor offering a perk to both parties.

home warranty guide

From a homeowner point of view the incentives are straightforward. You have just sunk in a considerably large sum of money into a house, and for just a little more you can save yourself needless hassle and sudden repair and maintenance payments for at least the first year of owning the home. If you happen to be new to the home owning side of the fence, and have always lived as a tenant, then getting a Home Warranty works out even better – all the fixing the landlords usually took care off will still not be yours to worry about.

From a seller’s perspective, Home Warranty boosts the value of the home, builds trust in the prospective buyers that the current owner has confidence in the structure and appliances enough to invest in Home Warranty, allows for the buyer to know that a year in their lives after the purchase if taken care of and last but definitely not the least, lets you sleep peacefully at night knowing that you won’t be getting calls in a few months with complaints about the home.

Confused as to why Home Warranty can be a realtor’s best friend as well? In the time of market lows and steep competition, a Home Warranty scheme added to your list of services can act as quite the spur. Encouraging for both sellers and buyers, throw in a year’s warranty to the upcoming purchase and it shows not only your commitment to the deal but also your trust in the home they are about to call their own!

Extent of Coverage On Home Warranty Plan

Depending on the plan you choose, which in turn will depend on the extent to which your home needs upkeep and you wish to delegate, Home Warranty plans generally cover all the major plumbing, heating, cooling and electrical systems, major appliances like refrigerators, dishwashers, and ovens, amongst other things. The core plan may vary to include leakage and seepage, structural defects, drainage systems and outdoor mechanisms, pools and garages, but most companies prefer to keep these as additional maintenance factors.

Most companies also allow for unlimited service requests during the contract period, which can act as a great incentive when it comes to investing in warranty schemes, as well as replacements of appliances that cannot be fixed.

Exemptions from Coverage By Home Warranty Companies

Most often, all known issues with appliances or systems that pre-date the purchase of the warranty are not covered by the company, and neither are unknown conditions that are due to mismanagement in the past.

That being said, certain unique cases are taken into account where in pre-dating issues are considered, but only if they were not known off before. The most common of these is when a Home Warranty scheme is purchased as a part of a real estate deal, wherein the coverage is extended to include circumstances where unobservable defects already existed in the home that was purchased.  

Adding to that, when an appliance is already under warranty from the manufacturer or requires fixing of cosmetic damage or damage that is not related to its core functioning, then too the appliance will not be applicable for coverage. The most common example of such a claim is physical weathering, noise, and corrosion on the outside.  

If you don’t treat your appliances right by the rules, or have a pet that could cause accidents, then any such damage will not be taken into account. As an extension, the Home Warranty does not overlap in function with insurance, so any acts of God such a fires and floods will not be covered either.

Lastly, any damage due to mold or pests are usually left out of Home Warranty terms and conditions as well, but some companies do tend to add it in their extended schemes.  Knowing your scheme is important, and while we have covered the generalities, make sure you look through the terms, conditions and limitations of your schemes before you sign the papers.

Pre-Warranty Home Inspection

Even though it isn’t a necessity to have a professional home inspection done before you get yourself Home Warranty, it is never a bad idea to get your new home checked for quirks and components that may need a little extra care along the way. In the opinion of most experts, getting a thorough home inspection done before the purchase can tell you all you need to know about the property, and get you up to speed about the kind of warranty scheme and coverage you should invest in. It is important for you to have an idea of the proceedings of an inspection as well, and not miss the essentials.

Just as a general rule, a warranty should cover appliances regardless of how new or old they are, as long as they are properly maintained and are in working condition when the contract begins.

From Request to Repair

Even though Home Warranty is about giving up responsibility and being able to delegate, it is just as useful for those of you who like to choose and have some control over who does the fixing.

Home warranty guide to take care of your home

Whether you’ve had a trusted repairman for years and prefer to call him when in need, or would rather make a quick call and call the service company down the road instead of waiting for the warranty service provider, all companies provide schemes that reimburse servicing charges as long as it falls under the terms and conditions of your specific coverage.

It is essential that you inform your Home Warranty company prior to calling for any repair, as failing to do so automatically nullifies your warranty.  The first step is for you to thoroughly review your coverage and understand the repair, servicing and replacements limitations that going to be applied to the issue at hand. One you have identified the issue and gotten clear on the specifications, report the issue to the company, and they will call for a diagnosis and an estimate cost of the repairs.

The company will schedule an appointment, come and cross check the claim, and do some basic examining before calling for either replacement or repair. Simple repairs are easily tackled in the first appointment itself, but if the task at hand is complicated and requires further attention, it may take some time for spare parts to be ordered. Some companies choose to use service providers from their own list, whereas others may work with you to find one that is trustworthy and reputable.

Expense Limits

Most often, you can decide whether your warranty scheme has an upper limit cap on expenses by picking the right deal for your needs. While schemes with unlimited spending when it comes to repairs and servicing can be enticing, they do often cost a lot. On the other hand, certain companies may choose to meet you halfway and not have a pre-set limit but yet reserve the right to decide, depending upon on each case that you bring them.

Terms and Renewal On Home Warranty

Most Home Warranties last for exactly one year from the date of payment, after which it requires an extension – the same as any legal lease. Extended plans for more than a year at a time do exist, but it isn’t the best plan to make such a long-term investment right at the first go. Your home and its systems will change and age as each year goes by, and often the premium on your warranty will increase as the appliances need more maintenance. It is best to take it one year at a time and give yourself the freedom to alter the plan when need be, unless the warranty you are purchasing is for a home that is new or nearly new.

All Home Warranties are easily renewable – most companies allow not only for quick and speedy renewal of schemes but also help you set up payment plans as per your convenience. Certain companies do have strict termination clauses though, which can be rather annoying if you wish to take a step back. The clause usually applies for cancellation or termination before a certain period, so make sure you keep your eye open for such sections in the terms and conditions before you sign! Last but not the least, laws change from state to state, so make sure to just information specific to your zip code.

Other Consumers as a Source of Comfort

The best way to find the perfect deal or company for you, know what to look out for, get to know the tricks of the trade and make the absolute most out of your warranty is to throw yourself into reviews and remarks from other Home Warranty users. Based on consumer research and a rating system that gives you both subjective information as well as statistics, HomeWarrantyReviews.com acts as a platform for all homeowners to share secrets on how to survive the complex world of being homemakers, and also provides for a systematic Complaint Resolution Program (CRP). It isn’t only about finding reviews; you can add to the data by leaving your own comments on the website as well – HomeWarrantyReviews.com acts as a bridge between you and the company without you having to get your hands dirty.




10 Things You Must Know About Home Warranty

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

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

The Great Stuff

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

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

The Not So Great Stuff

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

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

Drawbacks

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

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

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

Choosing the right Home Warranty Plan

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




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.




There are five types of warranties plans available such as manufacturer warranty, home warranty, seller’s warranty, extended warranty, appliance service contract etc. All the above mentioned terms are basically protection policies of your household appliances. All these warranty contracts are slightly different and we will get into them in just a moment. Please note that we do not cover homeowners insurance here but you can refer to the article that talks about home insurance and home warranty differences

Types of Warranties

Home Warranty

Home warranty is a service contract on your home appliances and it covers repairs and maintenance of household machinery. Home warranty plan takes care of repair and replacement of all your insured appliances by the qualified service provider. This plan is also referred as

  • Appliance Protection Plan
  • Appliance Service Contract
  • Home Maintenance Plan
  • Home Protection Plan
  • Home Appliance Insurance
  • Appliance Repair Service
  • Home Warranty Insurance

Manufacturer’s Warranty

One of the basic thing people look for while purchasing any appliance or gadget is the warranty. A warranty is a kind of assurance provided by the manufacturer for the product and if the item does not meet the expectations then the insurance provider is bound to repair or replace the product within the stated warranty period. The standard coverage is generally for the period of one year. A warranty is a legal binding which means if the seller does not stick to their words, then you can legally file lawsuits against them.

These days all the online stores and offline stores are providing manufacturer’s warranty and the original bill along with the purchased product. The products shipped are also completely sealed and as good as what you can get from retail stores. You can extend the warranty for additional years if you desire, although it is not necessary in most cases. Generally, big ticket items such as HVAC units come with 5 years warranty, but the coverage will be limited to parts only from second year onwards. That means you will have to pay for the repair service.

Home appliance warranty companies generally do not cover an equipment when it is under manufacturers warranty.

Seller’s Warranty

Seller Warranty is also known as dealer warranty. The warranty is basically provided by the respective seller or the dealer of the products. Most of seller warranties last for the period of 6 months. In case of any sort of defect of malfunction of the product, you have to take the product particularly to the seller from whom you bought it.

Extended Warranty

You have an option to extend manufacturer’s warranty when it expires. It is recommended only for those appliances that are not covered by home warranty, such as laptop, PC, TV and other electronics.

You can also extend home warranty when your original plan expires. Usually the breakdown period of appliances starts just before or after your warranty expires because of its usability. If you want to avoid such hassles of contacting repair services, extended warranty service just makes things easier

Home Service Contracts

Service contracts are also considered as agreement or protection agreements. Most of these are offered by vendors selling the appliance, a service company, or a third party service provider. Home service contractors are basically local, licensed, and insured team to provide service. The price, terms and coverage choices widely vary as these companies tend to be local service providers. The repair and customer service may also vary depending on the vendor. Make sure you thoroughly understand the contract before you sign it.

Do your homework before buying home warranties, extended warranties, or service contracts for your major appliance. Understand the “Terms and Conditions” of the contract, especially its limitations.

Make sure you know and understand:

  • The reputation of the selling agent or the service provider
  • If the agreement contains a service repair cost “deductible” clause
  • If you must get second opinions or price estimates before repair
  • If you renew annually and what is the cost to do so
  • Any repair not covered such as plastic, glass, rust, corrosion non-functional parts, and installation, wiring or plumbing corrections
  • Costs involved if you have to take the appliance to the repair shop (against being repaired in your home)
  • What happens when the necessary part is no longer available
  • Any other terms and conditions of the contract, especially its limitations

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




Here’s a funny pictorial story that gives a peek into how does a Home Warranty work. Mr.Fox here is our friend who purchased a home service contract. His beloved washing machine crashed one day while the contract was still valid.

How Does a Home Warranty Work

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Now, back to the story.

Mr. Fox had an appliance warranty, so he did not have to

  • Look for a technician
  • Pay for repairs
  • Carry the device to a service center
  • Do the repairs himself

Mr. Fox simply called the home warranty company who in turn called up a service contractor with whom they maintain business ties. The warranty company sent a technician to Mr. Fox’s home to take a look at the appliance. The tech fixed the issue right there as it was a minor problem. You see, if the problem was big and if parts needed to be replaced, the tech would have had to wait for the approval of the warranty company before doing it.

Once the problem was fixed, the tech collected the service call fee and departed his way. Mr. Fox lived happily ever after resting assured that if his appliances crashed, he would always have his home warranty company to rely on!

The end




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

Qualities Of A Good Real Estate Agent

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

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

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

Analyzing Your Real Estate Agent

 Real Estate Agent

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

1. He/She is a part-time agent

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

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

2. Charges very low commission

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

3. Lack of or difficulty in communication

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

4. No, or negligible experience

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

5. No online presence

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

The Final Word  

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

Hope you enjoyed reading this. Cheers!

 




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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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Texas is the second largest state in America, regarding the number of people living in it. That means a great number of households that need protection and maintenance. Also, statistics concerning the trends of population evolution are pointing towards growth in the future. Soon, new residences will have to be built to accommodate the growing no. of people. In a state with so many homes, a Home Warranty should be a must. Anything can go wrong and get broken, leaving you with the inability of doing your everyday tasks. Yes, there are companies that take care of these matters, but considering the high number of households that might need their assistance, you may have to wait for a while. As an advice to homeowners, here are five of the most reliable Home Warranty companies in Texas, as of June 2015.

1. The Home Service Club

The most important appliances in your home, in case they malfunction and regardless of their age, will be repaired and handled by the Home Service Club. And in case your appliance cannot be repaired, their solution also foresees a replacement of the malfunctioning device. The company has an extensive network of sub-contractors, meaning that interventions at the client’s house will be done in a short time frame. Customer service is available around the clock, in any day of the week, so you can call them any time you need assistance. Besides phone calling, any customer can access their website in case they need any of the services they provide.

The company is getting great reviews from former clients. They appreciated the short period of solving the matter and the professionalism of technicians. Customers expressed their contentment and stated that company is reliable and trustworthy.

They have two available plans for their services. The Standard plan, which cover some of the most significant appliances and systems within a home. And the Comprehensive plan, which includes almost anything needed in a house, regarding devices and household appliances.

Home Warranty Companies in Texas

2. American Home Shield

A large number of technicians and contractors who compose the American Home Shield team, are ready all the time to take care of any systems or appliances that might get broken in your home. They have built quite a reputation in their extended activity in this branch, earning thousands of satisfied customers, who got their appliances running in the shortest notice.

Customers are happy with the services received from the company, pointing out promptitude, respect and well-trained technicians on the field. Most of them did not wait longer than 24 hours to get their appliances working again, which is extremely important for every homeowner.

Regarding their plans, the company has quite a diversity. The most preferred by clients is the Combo plan, destined to take care of the majority of appliances and systems a house may have, at a very low price. They also offer a customizable Build Your Own Plan, which allows the homeowner to designate his priorities. Shield-Essential takes care of the devices that are most costly to buy and repair. Shield-Plus works the same way as the previous plan, but having a few extras. And Shield-Complete that gathers all the benefits of both of the previous plans, plus a couple of other advantages.

3. Complete Appliance Protection

As the company claims, everything that comes with an outer metal case and gets plugged in, will be covered by their services. They also have a customer service available regardless of day or hours, and there are no fees for calling in each time you have a problem.

Reviews show that customers appreciate the company, some of them using their services for more than 10 years. They appreciate the availability of the customer service, the professionalism with which their issues are treated and the quality of the services.

The Complete Appliance Protection has four plans to offer to their clients. They have the Kitchen and Laundry plan and the Heating and Cooking plan, which both state what their cover in their names. They also have the Full House and Full House Plus plans, with extended covering regarding the type of appliances.

4. Landmark Home Warranty

The services offered by this company regard both homeowners and real estate agents as well. They can take care of any appliance or system that refuses to work properly. Besides the traditional customer service, a client can also visit their website to find out information about plans, services or to become a member. There will also be a call fee of $65, regardless of the plan you chose.

Customers seem to be impressed by the services they receive. They appreciate the high quality of the repairs, fast solving of the matter and reliability at each call for a problem. Being there for the customers and offering the best support is the success recipe for this company.

The company offers four types of plans. Standard, Premier Plus, Value and Deluxe, each having specific coverage and price. From all these, Deluxe is the plan that offers the most coverage and solves most of your issues regarding appliances.

5. Select Home Warranty

Repairs or replacements should never be a worry with the services provided by this company. It doesn’t matter what type of home you have or what appliance gets broken, as long as the terms mentioned in the contract are met, Select Home Warranty will repair it for you. Their network of technicians and contractors is rather large so that they can be at your place in no time.

Customers are quite happy with the services and promptitude, claiming their issues were solved in a relatively short period. Also, they mentioned that the quality of the services is also reliable. Still, there were some customers wishing for some more coverage in the company’s plans.

They have three types of plans available. Bronze Care, Gold Care and Platinum Care, and each plan has a specified coverage and a payment plan. If you wish to get maximum coverage, then you will have to opt for the Platinum care. Also, do remember that there is a service call fee for all customers, regardless of the plan.

To view a complete list of top rated home warranty companies use the link below: