The Top 5 Real Estate Agents in Washington DC (Hagerstown MD)

Hagerstown, Maryland is one of the prime cities in Western Maryland. The Hagerstown-Martinsburg urban area is home to almost 270,000 residents, while the Hagerstown suburban area has over 40,000 people and about 30,000 jobs. Currently, there are approximately 500 homes for sale in Hagerstown at a median listing pricing of nearly $180,000.

Washington-Best-Realtors & properties for sale

The top-rated realtors in Hagerstown are well aware of properties, neighborhoods, and newest for sale listings in the city. The experts can provide you with updated information about home buying and selling trends in Hagerstown. Below is the list of top 5 real estate professionals based on their recent activity, years of experience, and total sales volumes in dollars.

Tina Long

Best-Realtor-in-Washington-DC

Tina is a Realtor with Exit Preferred Realty and licensed in Pennsylvania and Maryland. With an experience of more than three decades, she specializes in short-sale, consulting, and buyer’s agent. She is a proud Member of Pen Mar Regional Association of Realtors, Member of Metropolitan Regional Information System, Member of Realtors Association of York and Adams County, and Member of National Association of Realtors. Tina is an accredited short sales and foreclosure resource (SFR) as she knows how to help sellers maneuver the intricacies of short sales as well as help buyers pursue short sale and foreclosure opportunities. Tina understands that buying or selling a home is one of the most significant things you do in life and she assists in making the experience as smooth and successful as possible. Her extensive experience and expertise in the Hagerstown, Chambersburg, Fayetteville, Greencastle, Mercersburg, and Waynesboro real estate market benefit her customers in their buying and selling process.

If you want to buy a home, Tina and her team can help you find the home of your dreams by patiently listening to your needs. She works untiringly to find the right home so that no one has to compromise when it comes to such a huge purchase and decision! Besides, her real estate knowledge ensures that you get the best price possible for your property. Her strategic marketing program makes sure the right people view your home. Whether you are seeking Homes for Sale or Mortgage information, Tina and team are always available for service by phone, email, or appointments. Experienced in all facets of real estate, Tina enjoys spending time with her children and grandchildren, gardening, riding horses, and taking a hike.

“So if you or someone you know is looking to Buy or Sell a home give me a call. Thinking Real Estate! Think Tina Long!”

Joan McLernon

Top-rated-realtor

Joan possesses more than 33 years of experience in the real estate industry spanning across Residential and Commercial Development in the Washington D.C. Cosmopolitan Area, Property Management, and Certified Buyer and Seller Representation in the Western Maryland and South Central Pennsylvania neighborhoods. A consistent multi-million producer, she can assist first-time buyers and people scaling up or down with their home size or moving to a new area. Joan is skilled in all facets of real estate including but not limited to equestrian or farm properties, urban, suburban or rural homes, historic properties, primary or second homes, and Country Properties. Currently a part of the management team at Coldwell Banker Innovations, she operates mainly in Hagerstown, Boonsboro, Braddock Heights, Clear Spring, Funkstown, Sharpsburg, Chambersburg, Mercersburg, Greencastle, Waynesboro, Knoxville, Fairplay, Saint James and more. Joan believes that experience and understanding are priceless when purchasing or selling a home and hence she provides the right guidance to attain your real estate goal.

An alumna of the University of Buffalo, Joan is constantly acknowledged as one the area’s leading real estate professionals. She has served as President of PenMar Regional Association of Realtors providing guidance for the local membership to boost their abilities and opportunities to prosper through cooperation, participation, promotion of professional integrity and moral standards, and providing educational opportunities to further their careers. She is also engaged in teaching the Introduction to Real Estate licensing course at Hagerstown Community College. Joan has steadily maintained a multi-million dollar award winning sales position in the top 10% each year. She has won the following awards:

  • 2007 Realtor of the Year, PenMar Regional Association of Realtors
  • Rookie Realtor of the Year, O’Conor Piper & Flynn

Call, email or text JOAN anytime with real estate queries you may have.

Mike Baldwin

Top-class-realtor-for-sale

Mike has spent more than two decades working in the real estate industry serving the needs of both the residential and commercial market. He is a resident of the Frederick and Washington County neighborhood and displays an amazing sense of leadership and integrity in everything he does. Mike received his Bachelor of Science from the University of Maryland University College and operates mainly in areas such as Hagerstown, Adamstown, Saint James, Brunswick, Boonsboro, Middletown, Smithsburg, Keedysville, Ijamsville, Williamsport, Maugansville, New Market, Point Of Rocks, Thurmont, Cascade, Cavetown and more. After spending his initial 17 years with Mackintosh Realtors, a local independent firm in Maryland, Mike established Atlantic Real Estate in January 2013 and since then is building a business model that incorporates the customary services expected from a real estate brokerage firm while combining state-of-the-art technology and advanced ideas. Atlantic Real Estate manages all aspects of real estate including property management, buyer & seller representation, real estate investor strategies & planning, professional marketing & sales, consulting & advisory services, land development, and new home sales & marketing. He established Atlantic Home Construction in 2015 after renovating & remodeling investment properties for many years. The company builds custom new homes and remodels existing homes for resale.

In 2016, Mike established Atlantic Companies, recognizing the void between the real estate and building industries. Atlantic Companies is comprised of a real estate division (Atlantic Real Estate) and a construction division (Atlantic Home Construction) along with other ventures. This allows both divisions to work together providing superior quality and long-term value, forward-thinking ideas, and honest customer care.

Mike’s commitment to work responsibilities sets him apart from the rest and has helped him achieve the following:

  • Owner/Broker/Realtor® – Atlantic Real Estate
  • Accredited Certified Residential Specialist, CRS®
  • Accredited Seniors Real Estate Specialist®, SRES®
  • Accredited Graduate REALTOR® Institute, GRI®
  • Member of National Association of Realtors, NAR®
  • Member of Maryland Association of Realtors, MAR®
  • Member of Frederick County Association of Realtors, FCAR®
  • Member of PenMar Association of Realtors®
  • Licensed in Maryland & South Carolina

In addition, Mike has earned the following:

  • Acquired Associate Broker status obtained by only 1% of Realtors nationwide
  • Achieved sales consistently exceeding personal and company goals
  • Consistent top-producing agent in Maryland
  • Winner of numerous real estate awards: “1996 Rookie of the Year” and “Frederick County Hall of Fame”
  • Represent several local builders with marketing, sales, and planning
  • Consistent Top Realtor in Frederick and Washington County
  • Manager/Team Leader to include sales associate(s) and assistant(s)
  • Platinum Award
  • Platinum Team Award
  • Round Table Award
  • Gold Club Member
  • Silver Club Member

Karen Horejs

Real-Estate=Proffesional-in-Washington-DC

A licensed agent with Keller Williams Premier Realty, Karen serves neighborhoods such as Hagerstown, Clear Spring, Chambersburg, Fort Loudon, McConnellsburg, Mercersburg, Orrstown, Williamsport, Boonsboro, Shippensburg, Waynesboro and more. Whether working with a first-time buyer or a seasoned homeowner, she believes in striving for excellence. Her specialties include short-sale, investors, senior real estate consumers, residential, distressed homeowners, luxury homes, listing agent, and relocation. After graduating from Mercyhurst College, Karen spent 25 years as a registered nurse in Erie, PA. When her husband relocated to the Cumberland Valley around 17 years ago, her 5 children were very young. Her passion for bringing the best to a community led her to get involved with the local Boy Scouts of America. She held numerous leadership positions such as Cubmaster and leading district training events. Later she also became a board member of the Mason-Dixon Council as Vice President of Cub Scout Program. Karen is a recipient of the Silver Beaver Award which is the highest Council award and her 4 sons have earned their Eagle Scout award. Her daughter is the pharmacist at the local Greencastle CVS and one of her sons is a pilot for the United States Coast Guard.

Karen’s expert skills along with hard working attitude and interest in marketing led her to pursue a career in real estate in 2004. In her very first year of service, she was awarded PenMar’s Rookie of the Year. Since then, she has continued to be a top volume producer. “Helping people with one of the biggest decisions of their life is such an honor. Being their advocate and making their move as easy as possible are my goals. People look to us for guidance with life changes and this is a responsibility that we cannot take lightly. I BELIEVE that Realtors who base their practice on the latest guidelines and marketing principles are “doing their best” for their clients and their client outcomes are then optimized.” Karen helps the first-time buyers by making them understand the assets and liabilities of a property. She believes that preparing the home for selling and staging the house are critical when buyers are so selective. Premium virtual tours are her specialty.

Finding Keller Williams, the second largest Real Estate Company in the US has been impeccable for Karen’s wish to be the best. Working at Keller Williams has offered her the following:

  • Top of the line marketing for her clients
  • State-of-the-art technology
  • An environment where agents collaborate and synergize and most importantly a culture of giving back through KW Cares

Karen has earned the following designations and certifications:

  • Accredited Buyers Representative (ABR)
  • Certified Residential Specialist (CRS)
  • NAR’s e-PRO
  • Graduate, Realtor Institute (GRI)
  • Seniors Real Estate Specialist (SRES)
  • Certified Distressed Property Expert (CDPE)
  • Certified Luxury Home Marketing Specialist (CLHMS)

“My mission is to always “DO MY BEST” in providing professional real estate services to you the buyer or seller!”

Kari Shank

Realtors-REMAX-in-Washington-DC

Kari Shank is a full-time realtor with RE/MAX Achievers and licensed in Maryland, West Virginia, and Pennsylvania. She is keen in making your real estate transactions as seamless as possible. She is a permanent resident of Washington County, MD and also has great exposure to the Washington and Baltimore areas. Kari loves working with both buyers and sellers and always takes a tailored approach to the business. Besides, she works as a buyer’s agent emailing you with new listings, setting up custom home searches, negotiating deals, and setting up custom home searches on your behalf! She has a proven track record selling real estate and is available to you seven days a week to answer any of your concerns. Kari has a long list of clientele as she carefully listens to understand the goals and guides them through the complete process of selling their property from listing to sale.

With nearly 11 years of distinguished service, Kari has won the following awards:

  • REMAX Platinum Club Award 2014 & 2015
  • 100% Club Award 2013
  • REMAX Top Listing Agent
  • REMAX Top Sales Agent
  • Presidents Club Award
  • Executives Club Award

Kari is mainly active in neighborhoods such as Hagerstown, Middletown, Smithsburg, New Market, Falling Waters, Boonsboro, Adamstown, Chambersburg, Shepherdstown, Brunswick, Clear Spring, Fairplay, Frederick, Keedysville, Maugansville, Myersville, Sharpsburg, Williamsport, Greencastle, Waynesboro, and Martinsburg. Her skills include sellers, buyers, first-time buyers, relocation, condos/townhomes, short sales, foreclosures, investment properties, and new construction. She is very active in the real estate community serving on the PenMar REALTOR® Association’s YPN Group and as a presenter at the Hagerstown Home Store. As a certified distressed property expert (CDPE), Kari is proficient in effective short sale negotiations. “If you must sell and the current value of your home is no longer enough to satisfy your mortgage a short sale can be a wonderful opportunity to avoid foreclosure. I have worked on many of these sales and would be glad to help you consider your options.” An alumna of University of Maryland College Park, Kari is interested in historic properties, music, photography, traveling, animal rights, and vegetarianism.

“Just tell me what you are looking for and I will search all of my sources and provide you with a convenient report of all the properties that you may be interested in complete with photographs of the properties and detailed neighborhood information.” Kari guarantees to advertise through multiple sources, competitive commission rates, and guides you through your next move! Call her today for more information on the current market.

For Sale : Take Away

It is not surprising that homeowners often wonder whether home warranty is more cost-effective than the actual repair expenses. Top home warranty review, rating, and comparison website, HomeWarrantyReviews.com has introduced Home Maintenance Calculator to better make an informed decision in purchasing a home warranty. There is also a widget code for all the realtors out there to use it on their websites and blog posts. This is a nice to have feature and sends out the right signal for all of the potential customers coming your way! (<iframe src=”https://www.homewarrantyreviews.com/home-maintenance-widget”></iframe>)






HomeWarrantyReviews.com is dedicated to providing our readers the best and most complete source of real, honest reviews and ratings of home warranty companies.  Our reviews come from real homeowners who have firsthand experience with the home warranty companies, not paid writers who only evaluate the companies that pay for advertising.  We are the largest, and longest standing source of objective testimonials about home warranties on the Internet.  

Home warranties, also called home service contracts, cover the cost of repairs in the home.  These contracts also provide homeowners with prescreened contractors, something that is very valuable to anyone with a broken appliance or major systems such as air conditioning or heating.  Through reviews on our website readers can really get a feel for the service they might expect from certain companies.  But what else can be learned from reading our reviews?  Quite a lot actually.  For one, you just might learn which covered appliances and systems break down most often.

Recently we asked our team to tell us what appliances are mentioned most often in our reviews.  This is a good question, since reviewers on this website usually include some information about their recent repair claims.  Here’s what we found out.

We started with 11,000 reviews.  We chose words that relate easily to specific appliances and system components.  Words like “air” would most often relate to air conditioning.  Words like “dishwasher” are even easier to correlate to a specific home appliance.  The list also included words like “furnace.”  In the end, we had a list of 15 terms that we wanted to look for in those 11,000 reviews.  The results were not so surprising.

Which Appliances Break Most Often

Which appliances break most often?

According to our research, the HVAC system is mentioned in 72% of reviews!  Does this mean that you have a greater risk of your HVAC system breaking down than any other appliance or system in your home?  No, not at all.  What it does mean though is that homeowners who use home warranties and who take the time to review those companies on our website are using those contracts to repair central heating and cooling systems quite often.  And that can lead to some inferences that might help you if you’re in the market for a home warranty.

What about dishwashers?  Those appliances get used daily in the average home.  You might assume that dishwashers would be a pretty commonly reported appliance.  The numbers we looked at told a different story though.  Only 3% of the reviews we used for this study contained the word “dishwasher.”

Roughly 9% of reviews reported problems with the home’s water heater.  Another 2% had trouble with ovens.  When you look at ovens, water heaters and dishwashers, those three appliances only account for 14% of reviews.  Compare that with HVAC units and you can see what a huge difference there is between that one, a single category of repairs and all the others.  While this is not enough data to base a conclusion on, it would seem that anyone who purchases a home warranty and who has an HVAC system should make sure that the HVAC coverage is very good and that the company has a good history of covering HVAC repair claims.

Among the final 14% of reviews, there were many other items listed including furnaces (3% of reviews,) clothes dryers (2% of reviews,) and plumbing, which appeared in 5% of reviews.  The remaining 4% of reviews had a range of different appliances listed, including microwaves, both installed and free standing.

What can our research do for you as a home warranty shopper?

The main thing we’d like readers to take away from our findings is that reviewers overwhelmingly described problems with HVAC systems and other cooling and heating systems.  No other single category even came close to stacking up next to these major systems.  And that makes sense.  No other system is worked harder, particularly in homes that experience very hot and very cold seasons.  For you, as a reader, this might mean that you should seriously consider opting for a home warranty that covers your heating and cooling system, versus one that only covers the appliances in your home.  But there’s a bit more to consider.  Having coverage is great, but having good coverage is much better.  It doesn’t help you at all to have a home warranty if your claim is denied.  To choose a company with a good history of approving claims you need to do your homework.  And to do that you should read reviews here on our website until you feel confident you’ve found the best company for the most reasonable price.

 




Usually, appliances last for several years, mainly when they are properly maintained. Adequate maintenance actually brings down faulty function incidents considerably. When household appliances no longer work, you have two alternatives. You could either substitute it or repair it. In order to make the right decision, many points have to be kept in mind. Firstly, make sure your commercial appliance’s age and warranty period. If the particular warranty period continues, your repair could fee you nothing, or much less than what you suppose to pay otherwise.

The Cost of Appliance Repair – Are they worth Repairing?

Average appliance repair costs

Assuming that the warranty period is over and consequently repair shall be pricey, then you certainly must consider a few points. You must begin with obtaining estimates and quotes from no less than four different service providers. If the cost is about 50% of the cost of a new appliance then it is worth getting the repair done. If not, it would make more sense to just upgrade to a newer model. An amazingly old kitchen appliance may give you the situation of hard-to-find spare parts. Your repair guy might have a tough time discovering suitable appliance parts and he could charge extra for that too.

Getting original parts to be substituted by spare alternatives is not a very good idea. There are high chances of making more troubles than answers. Even if it does not prove to be a fix, you will face stumbling blocks later on. Throw away your appliance and get yourself a new one instead. New models from reputable warranty companies tend to be more energy-efficient and reasonable. By employing environmentally friendly commercial appliances in your business, you will also be promoting goodwill and sales among your patrons. It also transforms to lower energy expenses and more savings. The extra cost will surely be justified over the years.

How Much Does Replacing or Repairing an Appliance Cost?

Commercial appliance repair service is normally billed for on hourly basis. Average hourly rates for the first half an hour could vary between $50- $70. After that, for any subsequent moment block the rates will be a few dollars less per half hour. On average, if you are a regular customer of a company, you can anticipate to pay 10$-20$ per hour for time slots from your technician. Lower rates are charged if your appliance is delivered to the provider shop and the technician did not have to go onsite for the repair. Sometimes based on the complexity of the job, the rate will vary. This will usually adjust in benefit of the client as then, the duration of time taken for repair is not of importance. The person will not be anxious about being charged too much.

When calling your repair services call center or offices, bear in mind that ‘overtime calls, i.e. the calls taken after business hours, on holidays, and on weekends, will naturally cost you extra. In fact, charges might even be as much as 25% over. Thus, take thin in account. If the repair is not an emergency, calling for an urgent ‘overtime repair’ is not a very smart idea.

A Pre-Owned Home Warranty Can Protect You From Costly Repairs

If you are most consumers, you would not even consider buying a new or pre-owned car without some type of warranty. So why would you purchase a home without similar protection? Well, the simple answer is the majority of people just don’t know that home warranties exist. But as home sales are rising, buyers are negotiating for the best possible deals and sellers are seeking for advantages to make their home more pleasing. As a result, home warranties are rapidly becoming part of home sale transactions on both sides.

What is a Home Warranty

Get Covered!

A typical pre-owned home warranty is a service agreement provided to the sellers and/or buyers all through the sale of a home that protects the home’s essential mechanical systems and appliances. Usually, home warranties protect sellers and new homeowners from repair and/or replacement costs that are not covered by their homeowners’ insurance. While specific coverage differs, some of the most common items covered are the water heater, HVAC system, plumbing and electrical system.

Cost to Repair Appliances 2012

According to Homewyse, in 2012 the average cost to Repair Appliances varies from $184.63 to $242.40 per each appliance.

Your cost depends on material costs and local labor, level of preparation, finishes quality and job complexity.

Cost to Repair Appliances – General Information

The cost estimate includes:

  • Costs to material delivery and service provider transportation to and from the job site
  • Costs to set up the worksite for Appliance Repair, together with costs to project existing finishes, components and materials
  • Costs for site cleaning and debris removal once work is complete
  • Costs for machinery or tools to complete the Appliance Repair
  • Costs for tools or machinery used to complete the Appliance Repair

The cost estimate does not include:

  • Cost to modify or add present electrical, plumbing or HVAC systems
  • General contractor charge fees for directing and managing the Appliance Repair. You would expect 12.3% to 19% to the total cost if a general contractor supervises the project

Appliance Maintenance

The following list comprises major work tasks commonly performed during Appliance Maintenance.
Make use of this list to know the timing and sequence of different steps in the Appliance Maintenance project.

Example:

The table mentioned below is provided by Homewyse which is a vendor neutral, comprehensive online reference for the home. It is published by competent home design and construction professionals who seek to produce a “level playing field” for trade professionals and consumers. By relevant professional knowledge and expert insight which is easily accessible to the average homeowner, Homewyse facilitates effective decision making in all matters related to home.

Task Service Provider Duration Do-it-yourself difficulty Target Cost 
Install Electric Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $513 – $932
Install Gas Cooktop Appliance Service and Repair Technician 1 d Level 2 – Challenging $583 – $1,062
Install Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Range Appliance Service and Repair Technician 1 d Level 2 – Challenging $895 – $1,643
Install Vent Hood Appliance Service and Repair Technician 1 d Level 2 – Challenging $445 – $811
Install Washing Machine Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $695 – $1,273
Replace Washing Machine Appliance Service and Repair Technician 1 d Level 2 – Challenging $695 – $1,273
Install Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $70 – $117
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Repair Appliances Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dishwasher Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Dryer Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Repair Refrigerator Appliance Service and Repair Technician 1 d Level 3 – Complex, Difficult $70 – $117
Replace Built-In Refrigerator Appliance Service and Repair Technician 1 d Level 2 – Challenging $1,820 – $3,354
Replace Trash Compactor Appliance Service and Repair Technician 1 d Level 2 – Challenging $520 – $949
Install Waste Disposal Plumber 1 d Level 2 – Challenging $105 – $175
Install Ice Maker Plumber 1 d Level 2 – Challenging $230 – $407
Install Dishwasher Plumber 1 d Level 3 – Complex, Difficult $488 – $886
Install Garbage Disposal Plumber 1 d Level 3 – Complex, Difficult $250 – $444



In a quite short period of time, home protection plan have grown considerably in recognition. Today, the plans are almost standard in every city real estate transactions, where 8 of every 10 homes sales are covered. Homeownership can be one of life’s many pleasures, but it’s not always cheap. Most likely the last thing a homebuyer wants to do after closing on their new home is to shell out even more money on appliances or systems that unpredictably break or malfunction. It’s a usual part of being a homeowner, though, and procuring a home warranty protection plan is one way you can attain some peace of mind.

When your appliance breaks down, don’t worry about whom to call to fix it, or what it will cost. There are various options by which you can protect your budget from pricey emergency repairs.

  1. Home Warranties
  2. Extended warranties on expensive appliances
  3. Appliance Service Contracts
  4. Service contract for specific items such as HVAC
  5. Hire a pro when something breaks down

Want to know how home warranty works? Watch this video –

Home Warranties

Home Protection Plan

Home warranty plans, also called home protection plans, are basically service contracts or insurance policies that cover major appliances and systems of a home. It’s a good idea if you are a first time home buyer without any understanding in maintaining a home or property. Homeowners insurance does not cover breakdown of a home’s major systems or appliances, but a home warranty protection plan can help with repair expenses such as refrigerator that stops running, or your air conditioning system breaks down in the middle of the night.

When a breakdown happens that involves a system covered by the home warranty plan, the homeowner calls the insurance firm and desires a service call. The cost of the service call, which ranges from $35 to $95 per visit based on your location, is salaried by the owner. The warranty company allots the call to an approved contractor, and the home protection company shells out for the system repair or replacement.

What parts of a home are covered by a Home Warranty?

Home warranties naturally cover the mechanical systems of a home such as heating, plumbing, water heater and most built-in appliances. Structural components and pre-existing conditions are usually are not covered. For instance, if the water heater hasn’t worked properly for some time, it possibly that it won’t be covered in the buyer’s home warranty plan. Other items which are typically not covered include faucet repairs, sprinklers and permit fees. Some home warranty cover roof repairs and garage door openers with certain limits.

Another common problem with home warranties is that you will not be able to decide the repair provider that will care of your problem while the warranty is in effect. Normally, if a covered item breaks down, you will put notify your home warranty company, which will select a service provider with which it has an agreement.

Additional coverage is accessible under most home warranties at an extra charge for a spa, pool, air conditioning and freestanding appliances, such as washer, refrigerator and dryer.

Coverage usually runs for a year, but it may be extended at the owner’s choice for a renewal fee. Some people keep their home warranty policy in position for years and years. If the home protection plan is ordered at the time a home is bought, inspections are normally not required.

If you don’t want to have to be anxious about repairs in your first year of home ownership, a home warranty may be a good idea. However, it is imperative to weigh up your warranty, to ensure that you will be properly covered.

Know the basics of home warranty.

Extended Warranties Protect Appliances from Expensive Breakdowns

Extended warranties, by providing protection for pricey purchases and increasing the span of a product’s original warranty, have become the standard for many retailers. These warranties often appeal to economical consumers, for whom purchasing big-ticket items like appliances and electronics can be a challenging decision.

An extended warranty or service contract is like an insurance policy – your savings buys off only when the most evil happens. But do you actually want one? These days, almost all the brand – name appliances are sturdily – built and generally last their usual life span with few or no repairs, rendering extended warranties pointless. In case you do choose to get one, ensure that you do your homework.

Buying Extended Warranties on Appliances

Are Extended Warranties For Expensive Appliances Worth It?

There might be instances where an extended warranty is affordably priced and makes up for a limited warranty that covers little ground and has short period of time, and thus, is worth it. But too often, they are a waste of money. Before you purchase an extended warranty, ask yourself the following questions:

  • What are the odds that this appliance will break down in X amount of years,
  • What will the price of a replacement or repairs to this appliance be in X amount of years?

You frequently forget that while your product may certainly break down later on, the price of the product will also depreciate later on. Only when the forecasted cost of replacement or repairs become considerably greater than the present cost of the extended warranty, should one consider buying the extended warranty. And still, a warranty must only be thought out if there is also a significant chance that the appliance will stop working in the first place!

Certainly, warranties are significant and you must always ensure that when you buy pricey appliances – like clothes dryer for example – that it has a warranty to follow with it. But if a salesperson is attempting to get you to buy an additional extended warranty, be doubtful. Think about sales and advertising. There is always an income motive and retailers and merchandisers can regularly make money off consumers when they purchase extended warranties than when they buy replacement products or pay for repairs! This is why third party companies and retail stores provide extended warranties, not the manufacturers.

Think about sales and advertising. There is always a profit motive and retailers and merchandisers can often make more money off of consumers when they buy extended warranties than when they buy replacement products or pay for repairs! This is why retail stores and third-party companies offer extended warranties, not the manufacturers themselves.

The moral of the story is that you must do a little math and significant thinking prior to buying an extended warranty. Possibly it will be a wise purchase, and may be the money will be better used up toward other services or products.

 

Appliance Service Contracts

Appliance Repair Professional

Don’t lose your cool over unforeseen home repairs; call the experts for a home service contract. One such company that provides Service Contract is Service America. Never again will you have to worry yourself with the hassle and high cost of unforeseen repairs.

Service America is protecting its customers from unpredicted air conditioning, appliance and plumbing repairs for over 38 years saving them a ton of money, time and unnecessary frustration. When something breaks down at home, it becomes necessary for you to rush and find the right technician to fix the problem. Many times it’s an urgent situation and you don’t have the comfort of shopping around for the best price. But you can avoid these types of stressful circumstances, save money and experience peace of mind at the same time by buying a Service Contract.

A Service America Service Contract covers all these appliances and services for just one low yearly cost.

Quoting and buying a service contract takes a few minutes but expectantly you will find it effortless. In order to obtain the best possible coverage you need to give basic information about your home.

 

Service Contract for Specific Items such as HVAC

HVAC-Fort-Lauderdale

In the heating, ventilation, and air conditioning (HVAC) industry, equipment servicing is generally headed by the issuance of HVAC service contracts. The key purpose of this is to describe the terms of service as well as the cost, the length of service and what requires to be done, and each package of contracts is exclusive to each type of service. These service contracts incorporate full-coverage, full-labor, preventative-maintenance, inspection contracts, and end-use contracts.

All of these HVAC service contracts cover the tasks of each party, material cost, wages and how to decide arguments with a complete document. The equipment, procedures, tasks, unique descriptions and reports on the precise work to be done ought to be covered as well. Every contract also sketches processes and details the responsibilities of the contractor and owner. Regardless of which contract is signed, there can be several contracts put into practice for the same parties at any given time.

 

 

Hire a Pro When Something Breaks Down

Appliances are a vital component of a well running home, as they are utilized every day. When they stop working, an appliance repair professional is able to restore the item to full working order. Along with repairs, professionals will regularly service your appliances to make sure that they run as safely and efficiently as possible.

Appliance repair professionals can render the following services amongst others:

  • Parts and labor warranty
  • Supply and installation
  • Emergency services
  • Service or repair several brands of appliances
  • Safety checks

While hiring your appliance repair professional, make sure that you get a quote on the work that needs to be performed. Ensure that the quote incorporates the call out fee and the cost of any parts that must be replaced. The professional must also be ready to give assurance of their work for a certain period of time. It’s good idea to investigate several repair pros in your area and pick the one that offers experienced technicians, reasonable prices, and good customer service. Always make sure that the professional is insured and licensed.




Consider this: it’s a lazy Sunday and you haven’t worked out all week, your stress levels are high. And the doctor says you need to get going and get some physical exercise into your daily routine. You have considered your options – hitting the gym, joining that community swimming pool, going for those morning runs that everyone’s been vouching for – but it hasn’t worked out yet and nothing seems to click. Here’s your answer: start gardening.

Health benefits and peace of mind from Gardening and home warranty

A chance to not only get some quality time with nature but calm your nerves, work your muscles and burn a few calories as well? Gardening just an hour a day is proven to have far reaching impacts on your life. Especially if your day comprises of concrete jungles, desk jobs and skyrocketing stress levels.

Gardening boosts your metabolism and we have studies to prove it!

Research conducted by the Pennsylvania University of Scranton a decade ago showed clear results in favor of gardening as a way to stay fit. This proves that extended amounts of time spent partaking in light physical exertion is a much more effective way of burning calories than bouts of cardio and gym sessions.     

Another study conducted in Michigan State showed that even a mere ten percent increase in greenery in the immediate environment of an individual resulted in a drastic drop of health issues – from lifestyle illnesses to even depression and mental health. 

Getting Your Hands Dirty

The key to a good workout is duration, not just intensity.

It’s not just about burning calories and toning muscles – a consistent routine of balanced physical activity can have an impact on heart functioning, blood pressure, stroke, diabetes, obesity and its side effects, and even premature death. How does this work? Gardening ranges from low to medium intensity, but the constant monitoring of the garden and the level of involvement is never limited to just a single workout cycle; automatically weaving it into your daily routine and making it a habit!

Squats, weights, cardio and sweating it out, all in one.

With the majority of our daily activities involving the maximum use of our arms – and even that not usually in ways good for our bodies – gardening can incorporate the metered use of muscles like hamstrings without adding undue stress to them. Countering the effects that hours of typing on a keyboard or driving a car can have on your back, shoulder, and neck, getting down on all fours and getting your hands dirty can be therapeutic and stretch every muscle in your body all at once.  

Organic vegetables, herbs, and seasoning, all right at home.

Another perk to introducing gardening into your lifestyle is eating what you grow. Directly linked to better diets, organic production of food right at home or within a community can encourage you to follow a diet with nutrition as a priority and simultaneously assure the quality of produce.

Having a hard time getting your children to eat their spinach and peas? Give gardening a shot, working it into their play time as a fun way to grow their own lunches and dinners – who wouldn’t want to proudly eat a tomato picked right from their own backyard!

Anybody can do it!

Ranging from organic farming in the backyard of your country home to just a few potted herbs on the kitchen windowsill, depending on your space constraints, the time you have to spare and your physical capabilities, you can choose the kind of gardening that suits you best.

One for all and all for one

Living in an apartment building which doesn’t allow you space to garden? Community plots are the answer to the space crunch any urban dweller faces today. A great way to catch up with neighbors and blow off steam, all while tilling, weeding and celebrating the earth, community plots give you a chance to delegate and divide responsibilities as well – saving you the worry of who will tend to your precious daisies, trim the hydrangeas and ward off pests from the squash and melons while you’re out on a business trip.

Sky high stress levels and an increase in lifestyles illness in the past couple of decades is evidence enough for the need to go back to our instincts of nature and nurture, and the benefits of gardening seep into areas besides immediate physical well-being.

Nature, nurture, and responsibility.

An equalizer not bound by any hierarchy, gardening is often used as a form of therapy to boost self-esteem as well as inculcate responsibility and appreciation. Giving our nurture gene a space to grow, just the act of giving back can have a tremendous impact on our stress levels and anxiety. Time spent watching each seed sprout and saplings flourish and flower, gardening is a gentle reminder that we humans are not the center of the universe.

Happy hormones!

What is good for the body is also good for the mind.  Exercise, whatever the intensity may be, has a direct impact on not only adrenaline levels but on levels of serotonin and dopamine as well. Both hormones that play a role in fighting depression, the time spent tending to each root and bud isn’t just uplifting in spirit, it literally translates into happy hormones.

Home Warranty For Gardening Buffs

Be it an apartment, a duplex with a yard all to yourself, community plots or a country house, the joy of having a garden can come with an added expense and hassle of maintaining tools and machinery, worrying about seepage and waterproofing and even the occasional crack or two when it comes to deep-rooted plants and creepers.

Don’t let the stress of maintenance come in the way of your quality time with your garden – let the happy hormones flow and pass on the responsibility of care for the home to home warranty companies.

Giving you a chance to delegate home and domestic appliance maintenance to a professional, home warranty saves you the effort of having to rummage through websites and newspaper advertisements for service agents and repair contractors. Providing full coverage of repair, servicing and replacements costs, Home warranty is all about planning ahead. HomeWarrantyReviews.com brings to you a comprehensive list of companies to choose from – giving you access to pros and cons, detailed reviews, do’s and don’ts when it comes to warranty and insurance and even a free Home Maintenance Calculator to get on the spot estimates.

Finding the right match for your Home Warranty needs is of utmost importance; just like every insurance coverage plan is tailor-made for different budgets, levels of involvement, age and usage intensity, Home Warranty has its own set of criteria. Research is key, and the best place to start with is the Awards and Reviews section of consumer research based sites. From categorized awards ranging from service, top rated and regional service, HomeWarrantyReviews.com uses consumer review rates of credibility, retention, satisfaction, online presence, and consumer issue resolution to judge companies that provide nationwide Home Warranty coverage, offering all-round information to customers. What’s more, the companies are divided according to a region as well, accounting for state law differences and tweaks in the coverage plans in various geographical pockets.

Stress, anxiety and an ever-growing list of errands are a part of everyone’s daily routines, why add home repairs and maintenance to the mix? Give yourself the peace of mind to tend to your herbs, flowers, and ferns without the worry of repercussions, after all, what is the point of canceling out the mental health perks of gardening by worrying about broken lawn mowers?!




Household appliances are mostly large pieces of equipment which cost quite a lot of money. Most homeowners use their appliances until they break down, which is usually a span of 10 – 20 years. However, if you don’t practice caution or do adequate research, you may end up buying a product that does not suit your needs, which causes both financial loss and frustration.

While planning a purchase in advance helps you find the lowest price, it may not always be possible. If your AC breaks down during summer when the heat and the AC unit prices are high you will not have a choice.

We bring you a quick and easy guide to enlighten you about the do’s and don’ts of appliance shopping. Follow this and it will ensure that you will remain happy with your purchase!Appliance Shopping Guide

Step 1: Analyze your needs

You could be someone who is either needing an appliance urgently or you could be someone who expects a certain appliance to crash soon and is looking for replacement. In the first case, you will rush to the closest store or look up online to find one that suits your needs. While doing this, you may ?tend to get sidetracked and forget your actual needs.

Some people buy appliances because they are visually appealing or if it comes at a very low price or if it has attractive freebies. All of this leads to you ending up with an appliance that does not suit your requirements. You’ll probably regret your purchase immediately.

To avoid this, before you start to shop, analyze your requirements. Make a list of the following-

  • What specifications do you need – energy efficient, CFC free etc
  • Decide the size range of the appliance
  • How much are you going to use it
  • Do you want a brand new one or a second hand one
  • What is your budget

Write down the answers on a paper and keep it with you while you shop. If you are merely looking for an exact replacement, write down the model no. and manufacturer’s name and pay a visit to your closest appliance store.

Step 2: Measure the space

Imagine the horror if you buy an appliance and bring it home only to find out that it doesn’t fit where you wanted it to?

To avoid that, measure the space where you plan to keep the appliance. Do it twice to avoid minor errors. Keep the measurements with you while you shop. Once you visit a store, select appliances that match your measurements.

However, if you feel that appliances that come in the size you need do not have the features you require, it’s best to either make space for a larger one or find out if there are used variants of the model you need.

Step 3: Browse several stores

If you wish to get the best price, don’t expect to find it in the first store you look. Visit several shops or websites, if you are purchasing the appliance online and compare prices. Don’t get swayed by the freebies. Most e-commerce websites and shops provide great deals during festive seasons. If you are planning your purchase in advance, Black Friday sales are the best time to buy appliances (or most things, for that matter).

If the requirement is urgent, you’ll have to make do with whatever’s available. Once you zero in on a model, look up online to see who offers the best price.

Step 5: Warranty

It might be a good idea to look an appliance that comes with a warranty. Most products come with a manufacturer’s warranty, but some stores do sell extended warranties for products they sell.

Some stores like, Home Depot and Lowe’s also offer extended warranty for specific appliances. Extended warranties are different from home warranties and are ideal if you need coverage only for a certain appliance which is no longer covered by it’s manufacturer’s warranty.

Step 6: Things to remember while buying used goods

If you are planning to purchase an used appliance, you need to be extra careful. Find out why the appliance is being sold – is it because the owner upgraded or is it because the appliance sustained major breakdowns?

Examine the appliance thoroughly before you make the buy. Also ask for warranty papers and bills. Buying one without the relevant papers may not be a wise step.

The final word

Appliance purchases cost substantial amounts of money. Buying the wrong product will leave you troubled. Make the purchase only after you are convinced that it is the best option.

Hope you enjoyed the article, happy shopping!




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

Top tips to clean your roof

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

Dangerous Or Just An Eyesore?

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

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

Identifying The Problem

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

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

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

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

How To Fix It

Roof cleaning can be done in one of three ways.

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

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

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

Dos & Don’ts Of DIY Roof Cleaning

Tip 1: The Right Time

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

Tip 2: Safety Before All Else

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

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

Tip 3: A Quick Sweep

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

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

Tip 4: Choosing The Right Cleaning Solution

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

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

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

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

Not All At Once

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

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

The Last Step

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

More Than Just Cleaning

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

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

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

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




Your home is the center of your everyday life and possibly your most valued asset. When your home is destroyed or damaged, you want your claim sorted out by an insurance company that realizes this simple fact. A right homeowners’ insurance company best meets your needs and provides you with the most valuable blend of quality service, custom-made coverage, and fair pricing in policies.

Am I Required To Have Home Insurance If I Own A Home?

Depending on where you live – an apartment, house, or condominium – the right home insurance plan can give you peace of mind along with the money you need to replace or repair your home and/or stuff. Home insurance policies vary by the type of coverage you choose, the losses covered and the type of residence you own. You pick a policy that is best for you, whether it’s an all-inclusive policy that covers losses such as smoke, fire, falling objects, and theft of personal property, or whether it’s a policy that covers specified losses.

New age policies for American Homeowner

Your home insurance plan is made up of the precise options you select. The amount you pay for your policy depends on what coverage you buy, how much you want to cover, and where you set your limits. There are many types of homeowners policies available when once you decide to be a homeowner or not. The most significant part of homeowners insurance is the level of coverage. Avoid paying for more than you require. Below are the most common levels of coverage.

  •  HO-1 & HO-2 – Broad policy that guards against 16 perils that are stated in the policy
  •  HO-3 – Covers the structure against all perils except those specifically excluded by the policy
  •  HO-4 – If you rent or lease your home, you need a renters policy to cover your personal property and liability
  • HO-5 – Premium policy that guards newer, well-maintained homes; it covers against all perils except those specifically excluded by the policy
  •  HO-6 – Insurance for co-ops/condominiums, which includes liability coverage, personal property coverage, and coverage of improvements to the owner’s unit
  • HO-7 – Similar to an HO-3 policy, but for mobile homes
  •  HO-8 – Policy particularly for older homes, with similar coverage to an HO-2 policy. However, it only covers actual cash value. In Florida, many insurers are offering this policy

Comprehending Your Policy

As insurance policies come in many shapes and sizes, the same is true for insurance companies and agents, who can charge different rates for the same coverage. Bigger insurers are not always better and small don’t essentially have the best customer service. So, it’s always good to shop around for the top deals and ask the precise questions in an attempt to know what you are really receiving.

Prior to signing on the dotted line, you should understand that not all homeowners policies are the same. This is always one of the most common misinterpretations about insurance. According to a survey, more than a third of the homeowners said they did not have or didn’t identify if they had adequate homeowners insurance coverage. In 2005, after Hurricane Katrina affected the city of New Orleans, and again in 2012, when Superstorm Sandy damaged numerous communities in New York and New Jersey, thousands of worried survivors got a rude shock when they found their standard homeowners’ policies did not cover flood damage.

Additional Insurance And Endorsements

Many catastrophic events are not covered in the basic homeowner’s policy, but they are still insurable and require additional levels of insurance. In some cases, homeowners need entirely different policies, which are usually several times costlier than the typical homeowners’ premium. Some homes are situated in high-risk areas such as flood, hurricanes and earthquake zones, which make buying additional insurance a top priority for these homeowners. Instead of the usual $250 to $1,000 deductible under basic coverage, you have to shell out 1 to 5% of your home’s insured value (up to 10% in Florida).

Hurricane season is an old threat for many residents living along the southeastern coast of the U.S. Hurricane Matthew, which made arrival on Oct 8, 2016, left an expected $6 billion worth of property loss in its devastation across states such as Florida, South Carolina, North Carolina, Georgia, and Virginia. If you live in a region that is prone to hurricanes, you must have certain emergency plans in place. Homeowners in hurricane-prone areas need to act fast to file damage claims with their insurance firms. For instance, if your home is insured for $200,000 and your plan has a 3% deductible for hurricanes, you will have to expend $6,000 out-of-pocket on a storm-related claim.

Some Popular Endorsements And Extra Policies Include:

  •  Guaranteed Replacement Cost Coverage – A policy that pays to reconstruct your home completely, even if the cost is above your policy limits. You can expect to pay $400 to $1,000 more in premiums each year for this endorsement
  • Inflation Guard – A policy that automatically raises your dwelling coverage limit yearly in proportion to inflation, so that your limits are at least 80% of its value. Incremental premium increases in relation to the limit are often charged when the policy is renewed
  • Personal Umbrella Liability Insurance – A policy that broadly covers assets. It increases your liability coverage above the limits available in any of your “basic” policies, comprising auto, boat, and homeowners insurance. Umbrella coverage can extend to other excluded coverages, such as the invasion of privacy, false arrest, and slander, which can kick in once your primary coverage is exhausted. Premiums for this coverage begin at around $150 to $300 per year for $1 million in coverage, an additional $75 for $2 million, and $50 extra per year for each additional $1 million in coverage
  • Scheduled Personal Property – A policy that covers high-value objects such as stamps, jewelry, coins, antiques, guns, computers, furs, and other items that could go beyond the limits of your homeowner’s policy

Creating Your Home Inventory

When you buy a homeowners insurance policy, one of the must have insurance policies, you must prepare the latest home inventory to speed up a claim settlement if you ever need to make one. A complete home inventory, help your insurance company verify the property easier, which in turn makes settling your claim easy. Additionally, you can validate losses for your income tax return with the latest home inventory without any hassles.

For many homeowners, insurance is something to be thought of again, i.e., until the worst occurs. Homeowners who wait until they experience a loss before assessing their own policies do not get the full value – may be little value – out of their incalculable premium payments.

Homeowners insurance is a monetary agreement, but it should also be treated as a living entity to be cherished over time. By reading your policy wisely, shopping around for the suitable agent, comprehending your coverage limits, and create an updated property inventory.




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

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

General guidelines

Pursue Insurance Claims

 1. Information

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

2. Maintain Call logs

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

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

3. Be nice and pay attention

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

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

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

They still won’t listen- What to do ?

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

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

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

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

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

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

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




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

LOGO (1)

With thanks to the following participants:

Gwen Gallagher, President, Old Republic Home Protection

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

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

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

HWR logos

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

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

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

(1)  Provide timely and professional service

(2)  Be licensed in the trades they service

(3)  Carry General Liability Insurance

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

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

HWR Industry round table

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

About the Participants of the Home Warranty Industry:

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

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

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

 




Not every home needs home warranty coverage. So, as a homeowner, you should get appliance warranty plans if only it makes financial and practical sense.

Home Warranty is a appliance repair contract which takes care of repairs of electrical, plumbing and appliances inside the home. You will pay an annual premium (in the range of $300 to $500) in advance for repair or servicing of most important appliances in your home.Do I need Home Warranty?

If you don’t have a plan in place and wondering what would it cost, get an estimate on home warranty for your house.

If you are an existing homeowner, appliance warranty simply provides peace of mind. It protects your pocket from expensive repairs. If something breaks down, you will place a call to the service provider and they will repair or replace the system within a reasonable timeframe.

If your house is more than 5 years old, you are likely to encounter many repair issues. So, it is a good idea to have home warranty insurance unless you have time and money at your disposal and you like fixing things around.

Imagine your air conditioner or heating unit breaks down and you need to replace the old unit. It may cost anywhere from $6,000 to $14,000 to replace. If you have warranty contract, it would be the service provider’s responsibility to replace the unit.

For a lot of people purchasing a home for the first time, the issue of home warranty arises before completing the transaction. Is this type of protection plan truly necessary?

Benefits of Home Warranty Insurance

Benefits of Home Warranty

The new home buyers have fears when procuring a home and fairly so. They do not want to come across a major repair bill soon after purchasing their new home. In order to ease these fears, real estate agents at times offer home warranty insurance to help close the deal. Most of the times they may have the seller pay this or they might even shell out it themselves. The average price for this is $300-$500 a year.

So now you can be sure, it will be purchased at the lowest costs for one year. After all, this is just a concession to help you relax with your worries and close on the house. So in your mind, if it’s FREE then go ahead and take them up on the contract. Or, you can decide the provider and see if they will employ the company you suggest.

Now, you should keep a few things in mind.

First of all, you get what you shell out. Second, most of the home warranty firms are not reputable. Many among them have a record of complaints and displeased clients. So be careful while choosing a reputable company as it requires exhaustive research.

How Does a Home Warranty Protection Plan Work?

If any of your appliances such as garbage disposal, washing machine or heating and cooling systems malfunction or break down, all you have to do is call up the home warranty company which will arrange a technician to come by your home to fix the problem. Most companies have a service call fee that is called as a deductible and will normally charge you about $60 to $100. There are a handful of home warranty companies that offer zero ($0) deductible as well.

Should I Purchase Home Warranty?

Purchase home warranty if any one of the following is true:

  1. You have appliances that are getting old
  2. Your house is more than 5 years old
  3. You do not have time and patience to get the repair done yourself
  4. You do not have a trusted contractor and you do not want to go through the pain of cold calling contractors from Yellow Pages, screening them, getting quotes, and checking their work.
  5. You do not have cash cushion to handle costly repairs
  6. You are buying a home for the first time.

If you are are a first time home buyer, you should definitely get some kind of coverage. New home owners are generally short of money, so the risk of having to pay for a pricey HVAC repair is just too much for them to manage. Having to mend or restore a heating and cooling system could cost thousands of dollars.

So, What Should You Know about Home Warranty?

Top reasons to buy Home Warranty

Firstly you must know precisely what is covered and broad this coverage is.

The short list of coverage is:

  • Inside Electrical System
  • Appliances
  • Heating and Air Conditioning
  • Interior Plumbing not including the Fixtures

How much does it cost ?

Price depends on the type of coverage and also on the city you live in. If you would like to know how much would it cost to get a service contract, choose one of the Top Rated Home Warranty Companies and request a price estimate.

Your work will be to find out how much coverage you have and for how long. You must comprehend that there are various levels of coverage. In some cases they may cover the furnace but not the air conditioning outside. You have to ask and need to understand.

Before you buy, you need to be acquainted with the reputation of the company. You can check home warranty reviews on our site and shortlist few good companies. Almost all of the companies will have some complaints, but you should look how many they have and are they determined.

One thing about this type of protection plan is that the warranty companies are interested in repairing, rather than replacing your appliance in most cases. In most cases, they will service the units only if the fault is due to regular wear and tear conditions. If the units are poorly maintained, then they may not repair. One more thing you need to be cautious for is “pre-existing defects or deficiencies” since these are not covered. You will discover that almost all home warranty companies won’t allow the policy to take effect unless you have stayed in the house for at least 30 days.

The good thing about having home warranty insurance is that it can give you calmness since you are likely stretched out on the budget anyway. The final thing you want is to have an appliance or a furnace go away in the first year after moving in.

The Bottom Line

For older homes, it is a “no-brainer” choice. But before buying a home service contract, homeowners should study the fine print in the home warranty contract and cautiously think whether the warranty is going to pay off. Home sellers who want to provide a warranty to buyers and homeowners/buyers who would feel more relaxed having a home warranty should also carefully investigate to find a reputable home warranty company that will in fact pay for genuine repairs when they are desirable.




Do you possess a home warranty program? Chances are, if you are a new homeowner, you likely do. But after you have been in your home for a year, you are likely speculating if you should renew your home warranty or not. So many families get themselves in the same situation and expectantly this article will be able to offer you some help.

Renew Your Home WarrantyIn all possibility, when you bought your home you obtained a home warranty covering a range of items in your home, i.e. roof, air conditioner, appliances, heating and plumbing systems, possibly your spa/pool etc. If you had a great Realtor he or she can get the seller to pay for the warranty. So here you are approaching date and questioning if you should renew it or not.

Consider Your Options

Firstly all you should ensure that you inspect your situation properly. This means that you must be careful not to purchase too much insurance or procure coverage for items that you don’t have. So many times, people buy coverage for things like home telephone wiring when they don’t even have a home phone or landline any longer.

How much peace of mind do you require?

For some people, they do not have sufficient money in their savings to pay for a major system repair like a HVAC system. That’s the same thing as a heating or cooling system. You also require making sure that you only purchase coverage for your heating and cooling system if you don’t need for your kitchen items and refrigerator covered as well. Or in case you are not bothered about the AC going out, you may only require coverage for your other major systems and appliances.

Should you renew your home warranty program?

Majority of first time home buyers get to the end of that first year and feel like they want to take the chance on not having a system to be unsuccessful. And the reality is, many of them won’t. But for some people anything that can happen will happen if luck is involved. So for them making the choice to renew is a no brainer.

Things to Consider When Renewing

Consider Several Factors for RenewalWe all are familiar in these economic times coming up with $350 to $600 is a lot of money for most of us. If you certainly did not have to pay for the initial coverage, then there is a doubt that you paid much attention to the cost of your home warranty. No doubt, you had to pay the $50 – $55 service call if you had one and that likely felt like a fine deal, particularly if you had something major go wrong like your hot water heater going bad. Maybe you didn’t have any service calls at all and now you are faced with this renewal expense and there’s a good chance you’re saying “I don’t think so”.

For people who reside in older house, age is definitely a factor to consider. How old are your appliances, your AC and heat pump, the filter motor for your pool, hot water heater, your roof, garage door opener and some of many other things that a home warranty can cover.

You must also factor in the additional costs of the service calls; they have a means of adding up if you have 3 – 4 of them in a year. These certainly are costs over and above the cost of the warranty itself. Study the fine print of your policy before you renew to be sure the items that you may be worried about are really covered. Some of the items you desire to be covered are not in the standard policy but are considered “optional coverage and have supplementary fees. You may have more than one surprise and can be very disappointed if you find out the warranty did not cover “that specific” item.

The additional thing, as a homeowner, you must know that if you don’t have an existing home warranty you can always acquire one. These companies don’t just cater to the new home buyer of a resale home. You can procure a home warranty any time, but you recognize that there will be a 30 day waiting period for it to go into effect.

So how do you approach the renewal question if you are about to purchase a new home warranty?

One way to deal with the query of your right to renew is to just ask the contractor you work with, whether it’s a real estate professional or a home warranty company. If the home warranty that is being offered to you for consideration does not permit you to renew without the company’s consent then you must compare that service contract to others which would allow you to renew freely. It is never a benefit to have a home warranty contract that does not guarantee your right to renew. Actually you risk a lapse in service coverage if you purchase a home warranty that does not guarantee you the permission to renew. Your next home warranty might not provide you instantaneous coverage after buying it, which would leave you with a period which any repairs required, would be 100% out of pocket.

It might appear like you are getting ahead of yourself by distressing about the renewal of contract you might not be interested in renewing. Although you just give yourself the choice of renewing you are better off than being refused or canceled renewal. Never let your policy lapse.  You can continue renewing your policy for the period of time in which you own your home, except if you have had lapses in coverage.




HomeWarrantyReviews.com started in 2006 with one mission, to help U.S. homeowners find the right home warranty company.  Since then we’ve seen the home warranty industry prove again and again that, despite the loud voices of critics, there are lots of happy customers receiving a great value from home warranties.  If not for the success stories we receive from customers of many of the top home warranty companies and lots of smaller ones too, we might have adopted a similar opinion of the industry as a whole as those of consumer advocates, journalists, and various other commentators who largely view the home warranty industry as a ripoff.

Television-Ads-Impacts-User-Decision-To-Buy

Building a positive image is a challenge for any company in any industry these days, it’s true.  Every consumer can be heard online, on social media channels, in real time and with the credibility that was once lacking in consumer complaint websites.  It’s hard to discount the opinion of a close friend or family member, after all.  In this sense, social media has become the battlefield for reputation control.  But websites and user platforms like Facebook and Twitter are not the only place that industries go to repair their images or expand their reach.  As old-fashioned as it may seem, there is still cause for advertising on television.

You would think that TV would be a foregone conclusion for every company looking to advertise, but the expense of television and the emergence of effective performance marketing tools that allow advertisers to know precisely what their return on advertising dollars amounts to drive many companies away from television advertising.  Knowing all this, it’s refreshing to see that some of the most well-known companies in the home warranty industry are putting more focus on TV ads.

Take American Home Shield for example:

This ad features a very important topic, confusion among homeowners about what is covered under their homeowner’s insurance.  In a 2007 survey conducted by the National Association of Insurance Commissioners (NAIC,) one-half of respondents believed that a break in the water supply lines connecting to a home would be covered by their homeowner’s insurance.  This is a remarkable statistic in that it reflects a profound gap between the real value of those policies and the value assumed by so many policy owners.  As an industry, home warranty companies are tasked with educating consumers who oftentimes know little or nothing about the service offering commonly referred to as a home warranty.  Though American Home Shield’s ad might seem a bit comical, and it is fun to watch mind you, there is a legitimate reason for portraying the homeowner in it as shocked by the actual coverage he has, compared to what he thought he had.

And then there is this television advertisement from First American Home Buyers Protection:

First American Home Buyers Protection’s advertisement focuses on the frustration and anxiety produced in homeowners by sudden system and appliance problems.  To consumers who already understand what a home warranty is, focusing on cost savings and reduced homeowner stress might seem like an obvious choice for a home warranty advertiser.  But it’s possible that the main point in spending money on TV ads is to expand awareness of the services offered by home warranty companies.  If you look at it that way then it makes more sense to start with the essentials of what a home warranty can do for a homeowner.

If you consider that the strategy of home warranty companies using television is to expand their market, and not just their share of the existing market, then the logical question is whether TV is the medium that will do the job.

A study published last year by MarketShare, a marketing analytics company, would support answering “yes” to that question.  In an article in June 2015, ADWEEK cited that TV ads are still very effective.

“MarketShare’s analysis found that TV advertising effectiveness has remained steady during that time period and outperforms digital and offline channels at driving key performance metrics like sales and new accounts.”

So it’s fair to conclude that TV is still the boss in the advertising world, right?  Well, maybe, but that still doesn’t answer the specific question about whether it will work for the home warranty industry, assuming market growth is the goal.  The reason for our skepticism is that the home warranty market has been around for decades, without a significant increase in market penetration.  Some industry projections assume that the home warranty market will grow annually by roughly 2.5%.  With market penetration at a very, very low rate, perhaps lower than 10% based on our own rough calculations, 2.5% growth is not at all dramatic.  But these are the pessimistic views. So what would the optimistic ones be?  Here’s one possible scenario, one that’s much more optimistic.

Homeownership has changed dramatically in the U.S. since 2008’s housing market collapse.  Many, many more homes are owned by investors now than back then.  And the value proposition from home warranties may just prove to be more compelling for investors than for owners who use their property as a personal residence.  Why?  Well, the assumption we make is that investors have less time to deal with problems than residential homeowners.  When you have many properties and many tenants you naturally have less time to spend calling around to find contractors, coordinating appointments with the ones you choose, and dealing with the payments owed after the work is done.  For owners of investment properties, the home warranty offer may be a much bigger time saver than anything else.  And for businesses that time is money.

If MarketShare’s analysis is correct then there’s little question that TV can still reach consumers. But whether or not those consumers will respond to such a little-known industry as home warranty may take the time to understand.  Industry intelligence providers, ones like IBISWorld, put out detailed studies of industries, home warranty included.  And through those types of studies, it’s possible that industry growth trends that exceed previous estimates may help to infer that TV ads are helping grow the industry’s customer base.  If it does turn out that homeowners who don’t know about home warranty come to know it through TV ads then it will certainly be a compelling sales pitch for agencies selling expensive television ad inventory.

 

 

 




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

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

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

Six Steps to Choose a Home Appliance Warranty

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

This video will help you compare home warranty companies.




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

Stanley Warranty

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

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

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

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

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

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

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

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

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

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

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

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

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

What’s A Nice Homeowner To Do?

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

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

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




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

Green Advantage Warranty

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

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

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

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

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

About the company

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




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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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Any homeowner who lives in Nevada and is shopping for a home warranty, also called a home service contract, will want to read this article. Why?  Well, for one reason, HomeWarrantyReviews.com is one of the most established sources of reviews for home warranty companies in the U.S. And thanks to the thousands and thousands of reviews we’ve compiled on our website, we can offer you fair and objective input regarding the home warranty companies in Nevada that are doing the best job serving their customers needs.

Home Warranty Companies in Nevada

So, which home warranty companies are the best in the state of Nevada? Let’s find out!

Nevada is a state with extreme temperatures.

Nevada is famous for its desert areas, Las Vegas in particular. And with desert days you can expect several months of daily average temperatures above one hundred degrees Fahrenheit. As if the desert days are not challenging enough, desert nights can be a bit extreme too, temperatures plummeting from the daytime highs. When you push your heating and cooling systems to their limits you increase wear and tear and increase the chance of encountering frequent problems. With this in mind, Nevada homeowners should carefully consider their choices of home warranty companies, assuming the heating and cooling systems will be covered items.

All of the top companies listed in this article have something in common. That common thread is quality service. No matter what appliances and systems you want covered, you primarily want to know that when something breaks down it will be fixed quickly and correctly. And for that reason you can compare one common aspect of every home warranty company, that being the performance of the company when claims are filed by customers. To do that though you need real, accurate, fair feedback from homeowners like you. Luckily, you’re at the right place for that.

Ranking Nevada’s top companies requires real, honest consumer testimonials and ratings.

HomeWarrantyReviews.com ranks companies based on user feedback, not based on how much companies pay for advertising. You will find that some other websites that rank home warranty companies do not do the same thing. If you trust a website that ranks companies arbitrarily then you may not be happy with the end result. What we can offer you below is a list of top companies that service the state of Nevada, a list that is only influenced by consumers just like you, people with direct experience filing claims with these companies. So get out your paper and pen. Here is the list of top companies servicing Nevada, based on the current standings on our website.

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

A great home warranty company needs an outstanding repair contractor network.

You may be familiar with these companies. All of these companies advertise their services widely. But what makes them so successful in Nevada? As is the case with nearly any home warranty company, a great repair contractor can make the customer experience much better than it would have been if the home warranty company didn’t have a good network of qualified contractors in the area. Home warranty companies have to work very hard to make sure they have enough contractors in each area they service. The companies also must maintain records of customer satisfaction in order to ensure that the contractors are making their customers happy with each service call. So how do these companies do with regard to customer satisfaction if you focus on the contractors doing the work? Read on to find out.

1. American Home Shield (AHS)

When you have as many customers as American Home Shield does it becomes a challenge to keep them all happy. But AHS has clearly made a good impression on its customers in recent months. Just scanning through the top ten reviews we found nine of ten reviews with very high ratings and very positive comments specifically mentioned the great service from the repair contractors. In several reviews the comments referred to AHS’s consistent delivery of timely, high quality repair services via the company’s contractor network. And that network is one of the strongest reasons for choosing a top rated company like AHS.

2. The Home Service Club (HSC)

In eight of ten recent reviews we examined we found specific praise for the repair technicians that The Home Service Club sent to their customers’ homes. Though there were two negative reviews in the group we looked at, overall the customer reviews were consistently positive, particularly with regard to the time it took to receive repair services and the accuracy and cleanliness of the work performed. HSC appears to have good contractors working with them in most areas they service and appears to have a very efficient process for dispatching contractors when claims come in.

3. Select Home Warranty

In the case of Select Home Warranty we found that nearly all of the recent reviews had extremely positive things to say about the claims process, from start to finish. One reviewer contacted Select after 11:00 pm to report an air conditioning problem and had a contractor at his home within five hours. Another reviewer wrote that Select Home Warranty authorized the use of a repair contractor the homeowner picked, instead of asking the homeowner to wait for a network technician to be available. Stories like this are not altogether unheard of in the home warranty industry, but when you see consistently high praise for the timeliness of repair contractors arriving after claims are filed you know you are looking at an exceptional company. And that is the type of company that every homeowner wants to do business with.

4. Landmark Home Warranty

Landmark Home Warranty has some very happy customers. Looking through the company’s recent reviews we noticed that all are positive and nearly every one gives specific credit to the customer service representatives and the repair contractors. This sort of applause from customers is important, because when you see that most reviewers are happy with the entire claims process, end to end, you can expect that the company will deliver similar results to any of its customers.

5. Home Warranty of America

Home Warranty of America, like the other companies listed here, has a very high rate of great review comments and ratings. With only a handful of negative reviews among the many that we examined it’s not surprising that HWA consistently ranks among the top companies on our website in most of the areas the company services. Many of the reviewers indicated that they were introduced to HWA’s services by a real estate professional. In some cases real estate professionals themselves took the time to write reviews. So it’s possible that many of our Nevada readers can learn first hand about HWA from the professionals helping them list or purchase their houses.

Now we see why these companies are tops in Nevada.

Being great in any business means being great consistently. What our readers can take away from this article is the benefit of thousands of consumers’ personal experiences. Knowing that so many customers in Nevada have been pleased with the service from these companies, readers can be much more confident in considering any one of these companies for a home service contract. But don’t just take our word for it. While you’re on our website we encourage you to read reviews about home warranty companies, not only for these ones but for any others you may be considering.