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>)






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

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

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

Most Power Consuming Appliances

The Fridge (2 KWh Per Day)

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

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

Washer and Dryer (2-4.5 KWh Per Load)

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

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

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

Dehumidifiers (1.5 KWh Per Hour)

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

Something Else to Consider

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

About the Author

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




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.




The intensive cultivation of plants in small living spaces, growing a micro-garden has become an urban phenomenon in the past decade. Using gardening tricks like vertical gardening and hanging planters, you can optimize the space at your disposal to garden away from your worries and reap rich health benefits out of it!

What To Do To Have A Micro-Garden?

  • The best the space can give                                       

Growing a micro-garden is all about the management of space – be it a little strip of soil at the base of your porch or a few feet of a landscaped garden on your terrace.

Creating depth and dimension by using mounds, tiny hills and valleys can add to the surface area, and provide for different plant types at the same time.

Give the carrots and beets a little extra room to grow below the surface, allowing for the daisies to flourish in the shallow end.

How to grow a micro-garden in a urban jungle?

Micro-gardening also requires you to plant in tandem with what the space can handle. Planting broccoli and cauliflower in pots for example, narrows down the yield to one plant per pot, each only giving you crop once. On the other hand, salad leaves, peas, peppers or vegetable creepers can last a whole season and feature at the dining table pretty much every meal.

  • Edible yards

Choosing to landscape your yard, however small, with only grass uses up the nutrients in the soil and requires way too much water to maintain. Hit two birds with one stone – aesthetics and fresh organic produce, and all from your own garden.

It doesn’t have to be all about the produce, and along with chemical-free homegrown vegetables can be great for your health, the lush maroons of beet leaves along with dwarf lemon trees and even cherry tomatoes can make for a beautifully landscaped micro-garden – a decorative landscaping strategy!

  • Bees, birds, and butterflies

For your fruit bearing plants to flourish and the plants – both edible and flowering – to retain their strength and reproducing ability each year, pollination cannot be ignored. Herbs such as rosemary and basil act as great pollinators, as do flowers of plants such as squash and eggplant with their bright shades of yellows and violet calling for attention.    

  • Nutritional needs

Gardening in limited yard spaces, pots and containers confine the availability of soil nutrition to a great extent, making it all the more important to consciously fertilize the soil during the planting process with compost and then keep it up with regular top soil additives.

Making sure that the plant grows to its fullest though the space available is restricted, fertilizers can not only boost the speed of fruit bearing but also keep the plant healthy and pest-free.

Nutrition can be kept at its optimum by using companion planting as well. A technique known often as soil real-estate, planting pairs of creepers and trees with tubers – potatoes under tomatoes, or carrots and onions under herb bushes for example – can not only save space but also allow the soils nutrients to cater to the different needs of different plants, often even replenishing itself.

Where To Do Your Micro-Gardening?

  • Anywhere with a little sun

Not all plants require yards and balconies, in fact, those precious kitchen spices and herbs can grow right at the kitchen window sill, as long as they get a daily dose of sunlight. From thyme and parsley to even ginger and tender garlic and pepper, windows work as just the right bridge between the elements outside and the comfort of your home.

It doesn’t have to be herbs in the kitchen, pretty much any window which is east facing can act as an active decorative space – full with pansies, gardenias, and purple passion, amongst many others.

Look at every space with a new perspective, and you can extend your micro-garden to creepers on the mailbox posts, cacti in broken crockery, lettuce along the walkways and even grapevines on the gate.

Hanging gardens aren’t off the table either – containers hanging on fences and railings or even simple hooked pots from the ceiling can overflow with creepers, maybe even some fruit bearing. The added benefit of hanging gardens, as opposed to those rooted in the soil, are that they can be moved around, making them easy to clean and shift according to season or sun exposure.  

  • Creative Upcycling

The fun of micro-gardening is its perfect balance between creativity and good-old landscaping. Don’t think of it as just a conventional utilization of your green thumbs; you can grow your garden in anything from old tires to broken tanks and fish bowls!

Cracked vessels make great containers as well, especially since the crack acts as a ready drainage system.

Decide which plant to pot according to your container size, a large plant will not grow in a small container and the other way round is just a waste of space. Also provide enough water to your container garden, as containers that have soil in them dry out faster and those nutrients flush out sooner.

  • Grow up!

Everyone’s heard of the famous vertical gardens scaling up walls in Hong Kong and Singapore, but they can just as easily be recreated right at home. With vertical gardens, there is a range of methods that you could employ; from the use of a traditional trellis to a recycled pallet planter or hanging hydroponic window gardens.

Accommodating everything from tomatoes and strawberries to squash and melons, these micro-gardens function just the same way as any others do, as long as the plant isn’t one that has very deep roots.

  • Upside down Planters

We’ve explored possibilities flat on the ground, scaling walls and even creeping up poles and pillars, but we have one last treat for you micro-gardeners – upside down hanging gardens.

Provided you choose plants with a dense root structure and support them well, upside down planters can hold and nourish anything from cherry tomatoes to strawberries and even kale – all with the added fun of seeing your garden head first!

  • Just off the ground

For those of you who have space for soil beds, raising the bed a few inches or even a couple of feet off the ground can greatly help the gardening process. Giving the roots more space, allowing the excess water to drain and letting you restrict the soil to only where you want it, raised soil beds maximize space and minimize effort.

Having the plants a couple of feet off the ground reduces your need to hunch as well, a sure blessing for your spine.

Repairs And Maintenance

Besides the weekly dusting off of topsoil, checking for cracks in the containers and weeds strangling the plants, micro-gardening is too close to your living space for you to not keep an eye on its possible repercussions.

None that can cause serious immediate damage, any micro-gardener must know that a part of the job is to keep a check out for seepage on the walls and possible weight bearing issues related to rooftop gardens and heavy planters.

Not allowing these concerns to come in the way of you keeping your green fingers busy, HomeWarrantyReviews.com acts as a threshold for you to enter the world of Home Warranty. A simple, quick and reliable escape from service and repair related errands and coordination. Home Warranty Reviews ensures peace of mind for you by providing with the vast knowledge base of research, ratings, and free tools so that your home never runs out of home warranty coverage according to your specific needs by calculating what exactly you want!

Just as we have discussed the various aspects of micro-gardening, what to do and what not to do when you garden at home and all tips and tricks on how to get the best out of it, HomeWarrantyReviews.com gives you a chance to explore the world of home warranty from the inside, with tips and tricks of its own. With access to reviews from professionals as well as customers, consumer research based articles give you the best of both worlds – the technical aspects as well as the personal experiences of users and agencies.




Warranties for newly built homes guarantee to replace or repair certain elements of the home, if needed, within a definite time. If you are bearing mind a new home warranty, it is significant to realize what it covers, how to make a claim, and the procedure for resolving disputes with the builder or warranty company.

Protection for your Newly Built Home

Home warranty for new homes

A new home warranty can offer peace of mind for homeowners, assuring that if something goes wrong in the early stages of a home’s life, it will be covered. Many appliance service contracts sold to homeowners are backed by the builder; others are procured by the builder from an independent company that presumes liability for certain claims. For added protection, homeowners may pay for coverage on their own from third party warranty companies in order to supplement the coverage their builder offers. The Federal Housing Authority (FHA) and the Department of Veterans’ Affairs want builders to buy a third-party warranty as a way to defend buyers of new homes with FHA or VA loans.

New Home Warranty: What’s Covered?

New home warranties usually offer limited coverage on workmanship and materials relating to different components of the home, such as heating, windows and air conditioning (HVAC), electrical systems, and plumbing for definite periods. A warranty also normally defines how repairs will be made.

The length of coverage differs depending on the component of the house. Coverage is offered for workmanship and materials on most components all through the first year. Coverage for plumbing, electrical systems and HVAC is usually two years. Some builders offer coverage for up to 10 years for “major structural defects,” sometimes defined as problems that make a home insecure and put the owner in danger. For example, a roof that could crumple is a “major structural defect.”

Nearly all warranties for newly built homes, however, do not cover costs an owner may acquire as an outcome of a major construction defect on warranty repair, similar to the expense of having to move out of one’s home while repairs are being made. Nor do they in general cover:

  • Household appliances
  • Small cracks in brick, tile, cement or drywall
  • Components covered under a manufacturer’s warranty

To know more about coverage, look into what’s typically covered in a home warranty plan.

Filing a Claim

If you have a flaw in your new home that may be covered by your warranty, first study the warranty or service contract cautiously to ensure that your problem is covered. Give particular concentration to the length of specific types of coverage.Home Warranty Claim Form

Specialists suggest that its owners pursue the matter with both the original builder and the home warranty company. The builder possibly will defer to the warranty company, but at least they have been alerted.

Homeowners must make a list of the troubles that they want to get resolved and should make sure that the problems are covered under the home warranty. Pay attention to the “performance standard” section of the document, which records common problems and explains to what extent the builder is liable for fixing them.

Next, file your claim as per the instructions in your warranty, and put your application for repair in writing, even though the company offers a hotline for urgent needs. Ask for a return receipt, and keep a record of your correspondence and conversations with the company. Probabilities are your claim will be managed to your satisfaction, but if a dispute occurs, it’s good to have a record of your dealings with the builder and the warranty company.

In best-case scenario, the builder or the home warranty company will fix the problem. If issues continue, however, the problem could go to settlement.

Protect Yourself from Future Problems

One way to safeguard against future problems is to appoint a home inspector to inspect the house before taking custody. Many new homeowners think that they don’t need a home inspection since municipal building inspectors have signed off on the work done in the home; the house is new; and it is covered by a home warranty.

New homeowners should also bear in mind to keep a maintenance file comprising documentation of everything done on the home, including regular and special maintenance. The paperwork will come in handy if a claim is required.

In filing a claim, homeowners must keep in mind to be persistent. It may take a while. In the end, diligence pays.

New Home Warranty: Disputes

Frequently, a dispute occurs between a homeowner and a builder or third party company over whether a defect is covered or whether repair was finished appropriately. Many warranties provide for meditation of disputed warranty claims on newly built homes, followed by compulsory binding arbitration. In meditation, a unbiased third party – a mediator – assists the homeowner and the company resolve the problem by making the discussion easy between both parties. It is up to the homeowner and the company to settle an agreement.

In case meditation does not work to resolve the dispute, it is possible that the homeowner would be needed to put forward any claim to arbitration, instead of going to the court. In this procedure, an “arbitrator” or panel makes a decision or award once the participants present their cases. Some warranties let the homeowners pick an arbitrator from a list acceptable to the builder or the third-party warranty company.

Arbitration is less formal than court. Most warranties want that both parties obey the arbitrator’s decision, without appeal. If your loan is funded through the FHA or VA and you file a claim against the third-party warranty company, you can opt between arbitration and going to court. If you pick arbitration, realize that you are bound by the verdict.

Costs of a New Home Warranty

Home Savings

Even though arbitration is normally less pricey than going to court, home owners can anticipate shelling out several thousand dollars so as to take their claim through the process, based on the complexity of the arbitration. Understand your warranties carefully to decide what arbitration outlays or costs the homeowner is liable for and what expenses the builder must pay.

A few companies provide homeowners the option of arbitration or going to court. Sometimes builders disburse all costs related with arbitration to support a homeowner to agree not to take the issue to court.

You can also use our absolutely cool tool to get a free home warranty quote!

More Information on New Home Warranty

To discover more about warranties on newly built homes, get in touch with your state or local builder’s board. If you have loan insured by FHA, call the closest U.S. Department of Housing and Urban Development field office for additional information. In case you have a VA loan, you can contact the nearest VA office.

Further, you can also compare and choose home warranty companies depending upon your requirements.




This is the electronic age. Hundreds of new gadgets and appliances throng the buyer’s market every day. The consumer is literally spoilt with options that tend to reduce the burden and thereby bringing handiness into our lives. The convenience however, comes with many riders. Remember, the onus is on us to conserve energy and shield our resources from superfluous depletion.

Energy Conservation Tips

An energy-efficient home will keep your family comfortable while saving you money. Whether you take simple steps or make larger investments to make your home more efficient, you’ll see lower energy bills. Over time, those savings will naturally pay for the cost of improvements and put money back to where it belonged, your pocket.

Now, let us deliberate and gather some thoughts on saving energy at home. Remember; following these tips promptly have added repercussions too, like increasing the lifespan of your appliances.

Small Appliances

  • Cook with small appliances. Cook with your toaster oven, electric skillet and slow cooker for specialized jobs, rather than the range. Small appliances use less energy.
  • Use the microwave. Microwave ovens shorten cooking times, which saves energy.
  • Run cold water for disposal. Hot water requires energy to warm the water. Cold water saves energy and solidifies grease, moving it more easily through the garbage disposal and pipes.

Refrigerators and freezers

  • Purchase an Energy Star model. When buying a new refrigerator or freezer, look for the Energy Star label. Energy Star refrigerators and freezers can save you hundreds of dollars on your electric bill over the life of the appliance.
  • Select the right size. Determine your household’s needs before purchasing a refrigerator or freezer. One that is too large wastes energy.
  • Defrost a manual-defrost unit regularly. Frost makes your unit work harder and wastes energy. Don’t allow more than one-quarter inch of frost to build up.
  • Stay away from direct heat. Place the refrigerator or freezer away from direct sunlight and other heat sources such as ovens or ranges. Heat will cause the unit to use more energy to stay cold.

 

Dishwashers

  • Run full loads. Always wait until you have a full load before running your dishwasher. You run fewer loads and save energy.
  • Use short cycles. Select the shortest cycle that properly cleans your dishes. Shorter cycles use less hot water and less energy.
  • Skip rinsing dishes. Rinsing dishes before loading them into the dishwasher wastes energy. If you do rinse, use cold water.

 

Ranges and Oven

  • Reduce the heat. Begin cooking on a higher heat setting until liquid begins to boil. Then, lower the temperature and simmer the food until fully cooked. A fast boil doesn’t cook faster than a slow boil, but it does use more energy.
  • Don’t peek in the oven. Resist the urge to open the oven door while baking. Every time you peek, the temperature drops 25° F and requires additional energy to bring the temperature back up.
  • Use retained heat. Turn off cooktops or ovens a few minutes before food has completed cooking. Retained heat finishes the job using less energy.

 

Washers and Dryers

  • Adjust the water level. If you have a washer that allows you to control the load’s water level, adjust the level according to laundry load size. You can save energy by using less hot water for small loads.
  • Run full loads. Always run a full load in your washer or dryer. Running full loads allows you to run your washer or dryer less often.
  • Wash laundry in warm or cold water. Washing laundry with warm or cold water works your water heater less. Use hot water only when the greatest cleaning is needed.

Water Heaters and Water Usage

  • Purchase an energy-efficient model. The initial cost may be more but operating costs are less in the long run.
  • Purchase the correct size. Consider your family’s hot water needs. If your water heater is too large, it uses more energy than needed. If it is too small, you may run out of hot water.
  • Purchase a natural gas water heater. If you currently have an electric water heater, consider replacing it with a natural gas water heater. When it comes to heating water, natural gas is less expensive than electricity, and it heats more water faster during heavy use.

 

Lighting

  • Use Energy Star compact fluorescent light bulbs. Energy Star compact fluorescent light bulbs last longer and use up to 75 percent less energy than standard light bulbs. You can cut your electric bill by $60 per year if you replace the standard bulbs in your five most frequently used light fixtures.
  • Use natural lighting. Open curtains and shades during the day instead of using lighting. Consider skylights and solar tubes during remodelling or new construction design. This allows the maximum use of natural daylight.
  • Plan your lighting. Not every room needs the same amount of general light. Plan within a room to provide general background lighting and supplementary task lighting.

Air Conditioners

  • Purchase an Energy Star model. Energy Star room air conditioners cost at least 10 percent less to operate than conventional models.
  • Use a timer. Set the plug-in timer to turn off the air conditioner when you leave home and to turn it on just before you return.
  • Purchase a unit with varying fan speeds. Use a room air conditioner with fan speed control. This allows faster cooling when needed and quieter, more efficient operation at other times.
  • Keep the unit centrally located. To allow better air circulation, install your room air conditioner in the window or area of the wall that is nearest to the middle of the space being cooled.

Making your home energy efficient can be as easy as discussed above. Who doesn’t want to save money and the planet at the same time?

If you are a responsible homeowner, make sure you have appliance warranty policy to protect yourself from costly repairs.




Condos are a great substitutes to renting an apartment or possessing a single family home and they have their own unique insurance needs.

About Condo Warranty Insurance

Condo Warranty

Condo Warranty is similar to appliance warranty and provides condominium owners with coverage for repair of major appliances and home systems.

Appliances are intended to make your lives simple. Refrigerators, dishwashers, stoves, and other kitchen compliments not only assist you in doing everyday chores and prepare food faster, but they take some of the monotony out of your day and allow you more free time, as well.

Unluckily appliances, like any other piece of machinery can stop working. When that occurs, instead of saving your time and hassle, your malfunctioning appliance can actually add to your stress. This problem becomes even bigger when the malfunction occurs soon after you buy an appliance. To avoid the extra stress of dealing with faults of a brand new appliance, an appliance warranty is a brilliant tool to have in your corner.

Condo Warranty Types

When procuring an appliance, inquire if the appliance is issued by the dealer or if the appliance is covered by a manufacturer’s  warranty. Some retail chains and dealers buy appliances from the makers without a manufacturer’s warranty, so as to lower their costs. There are quite a few disadvantages to this.

  • First, if the dealer or chain goes out of business, you will probably be left without warranty at all. Whenever service is required, the dealer will fix up for someone to service the unit at no cost to you. But if you are not happy with whom they have chosen, you are caught up with them.
  • Conversely, if the warranty is covered by the manufacturer, you must be able to address any of their official service agents to get the repairs done.

Comprehend Your Condo Warranties Systematically

In case you buy a product for commercial/store use for a boarding house, townhouse, or apartment building with an ordinary kitchen or laundry room, make sure to study the warranty limitations. The majority of domestic appliance warranties are only meant for single family use.

Bear in mind that the majority warranty companies, no matter at what condition your appliance is, they would still repair it than replace it.

Condo Warranty vs. Home Warranty

Condo Warranties are there to cover you when a trouble happens due to a defect.

A home warranty is planned to cover repair and replacement costs for major home systems and appliances (like wiring, plumbing etc.). Usually, a home warranty is bought as a contract for a year, with either annual, monthly or quarterly payments.

Even if you might have to pay a small deductible when you raise an issue, with a home warranty, you will have less worries about large, unforeseen bills caused by appliance or home system breakdown. When merged with your  dealer condo warranty, a home warranty must ensure that, one way or other, if something goes wrong you will be able to manage it without breaking the bank.

About Condominium Insurance

Condo Warranty Insurance

Condominium insurance is a unique insurance intended to fit the detailed needs of condo owners. Similar to renters insurance, condo insurance offers liability and personal property protection. However, condo owners need to consider additional coverage for the building based on their condominium association’s master policy and it’s coverage.

So take a look at this article, you can learn about condominium insurance below, and then obtain a free quote to see if it can help you get the coverage you need to defend your residence and your belongings.

Why Do I Need Condo Insurance?

Condo insuranceYou possess a condo and the association has insurance. So what’s the big deal? Well, your condominium association insurance covers the condominium building, commonly owned property, and liability insurance for the association.

Regrettably there are many instances where that insurance policy won’t cover you or your things – like water damage to your living room walls, break in, or someone gets injured by slipping on your wet kitchen floor. For this reason, you need condominium insurance planned specifically for condo or co-op owners.

If something happens to your condo or townhome, it may be up to you to put back things like flooring, drywall, light fixtures, cabinets and more. That’s where condo liability insurance comes into the picture.

Many condominium associations only insure the building’s structure and general areas, typically leaving each unit’s interior construction to the homeowner. However, condo insurance coverage may also vary by state.

What Does A Condo Insurance Policy Cover?

All-risk contents coverage insures the possessions inside your home for the most common types of losses. When you have this coverage, your contents are insured for the whole thing, unless it’s particularly excluded from your policy.

Named-Perils coverage includes a catalog of the most common types of items covered under your insurance. It includes theft, fire and water damage. All the items are clearly listed in your policy booklet so that you have a thorough knowledge of what your insurance policy covers.

A standard home policy usually offers for the Actual Cash Value (ACV) replacement of your possessions. This means you only obtain the value of the item, less reduction. For instance, if you bought a TV 5 years ago for $500, you might only receive $100 for it if it were damaged in a fire. Even if it may cost you $600 to substitute that same TV, your insurance would only give you $100.

Many people opted to add the Replacement Value option to their contents coverage. Replacement value coverage means that the contents of your home are insured for the amount it costs to replace them. When you substitute the item(s) with a similar kind and quality, within a definite time, the insurer will pay you what it cost you to replace the item(s). This means if your 5 year – old TV was lost in a fire, you would obtain the full amount it would cost to replace it.

When you replace the item(s) with a similar kind and quality, within a specified time, the insurer will pay you what it cost you to replace the item(s) not what they were actually worth in their used state. This means if your 5 year-old TV was lost in a fire, you would get the full amount it would cost to replace it, even if that is more than you paid for the TV in the first place.

Detached Private Structure. This type of coverage applies to structures that belong to your property, but that are not connected to your primary residence. For example, a separate garage could be integrated under this coverage. There is normally a definite limit to this kind of coverage, but you can always increase that limit by buying additional coverage options.

Additional Living Expenses. If you are compelled to leave your home because of a loss, this coverage pays for your logical and necessary expenses to momentarily live away from home. Hotel and food expenses would be covered under such circumstances. There is generally a limit on this kind of coverage.

Personal Liability. Liability insurance guards you from having to pay damages to people, if you have been found liable for accidentally injuring them or damaging their property.

Voluntary Payments for Medical Expenses. This covers medical costs if someone unintentionally hurts themselves as a result of your personal activities or the way you have kept your building. It also covers injuries caused by resident employees.

Voluntary Payments for Damage to Property. The unintentional physical damage to the property of others is covered. It may also be caused by your pets or animals, or by actions of your resident employees. This kind of coverage would also comprise the intended acts of other insured persons under a certain age.

Improvements and betterments. Investing money to get your residence better increases the worth of your investment. The Improvements and Betterments Protection recompenses you for all the additional you have put into your condominium – on top of what the builder initially provided for you, up to the limit of your replacement value.

For example, your unit was initially furnished with a $5000 medium-grade carpet. You want to upgrade to a high quality carpet, valued at $10,000. The ‘Improvements and Betterments’ protection will guarantee that you obtain the full value of your new carpet in the event of a loss. So if there were a fire, and the builder only gave you $5000 to cover the value of the original carpet, the insurer would give you the remaining $5000.

Supplemental Coverage. Aside from insuring your betterments, you may also need to insure your condominium unit itself. This will ensure that you are sheltered should the corporation’s insurance not fully cover a loss to your unit.

Loss Assessment. A significant feature of a condominium insurance policy is loss assessment. This is when you share liability with others for common property. The insurer will shell out, up to a set limit, your portion of any particular assessment that’s valid under your condominium corporation’s governing rules:

  • If it’s due to a direct loss that influences a shared part of the premises and if it has been caused by an insured hazard
  • If it’s due to legal liability arising out of shared ownership of common areas of the condominium premises
  • Providing that the assessment has not been made essential because of a deductible in the corporation’s own insurance policy

Condo Insurance Quotes ProvidersCondo insurance quote

You are likely finding out there are a lot of decisions to make and details to work out before you make a choice.

The home insurance agents recognize that a condominium is not a traditional home. However, it does need homeowners insurance of a particular type. In case you want to protect your condo, ensure to inquire about how condo insurance differs and what it covers.

Homeowners insurance agents who focus on condo insurance are an exceptional resource. In all reality, you are asking for tailored homeowners insurance quotes, when you ask for condo insurance quotes. So there is guarantee that you are receiving what you actually require in a policy.

Ensure you speak with a Condo Insurance Professional

All agencies or insurance types are shaped equal. Make sure that when you get condo insurance quotes,  you follow up with the insurance agents who offered you with the quotes, so you are alert about all the details before you invest in a policy.




Recently, there was an interesting review posted at AHS warranty discussions page about dealing with insurance claims. The legal option suggested by the reviewer might be useful to some homeowners, who have difficulties dealing with home warranty insurance claims.

Insurance Claims

It is not practical and cost effective to take legal route to pursue your insurance claims and you may want to read How to pursue insurance claims article before you go that path. However, if you are fighting an insurance claim on a big ticket item, and you have exhausted all other options, this is definitely an effective strategy. Author of this post himself was an attorney and he effectively used the legal threat to beat the home warranty company.

Here is the excerpt:

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American Home Shield – how to beat home warranty companies at their own game

I have discovered how aggrieved homeowners can turn the tables on home warranty companies and beat them at their own game. Please share this with everyone you know.

I’m an attorney and after having a problem with my home warranty company, American Home Shield, I decided to investigate whether other homeowners had experienced the same or a similar problem. What I found were web sites devoted to consumer complaints on which numerous homeowners had recounted incidents of fraud, deception, and rip-offs by their home warranty company. I also found a blog written by a former American Home Shield employee and another written by a former plumber for a home warranty company. Both recounted situations that would not pass the “smell test” in a court of law.

I also investigated lawsuits that had been filed against American Home Shield in Georgia, which is where I live. I found about 15 cases. The majority of cases had been filed in small claims court. As I reviewed the cases, I discovered that none of the cases had been litigated. In every instance, the case had been settled to the Plaintiff’s satisfaction although the details of each settlement were not part of the case file. With the knowledge that all cases had been settled to the homeowners’ satisfaction, I realized that American Home Shield would settle with an aggrieved homeowner before allowing a case to go to trial. My conclusion is that the only thing aggrieved homeowners need to do to beat home warranty companies at their own game is to file suit. The last thing American Home Shield wants to do is litigate a homeowner’s claim and the reasons are obvious to me.

The most obvious reason American Home Shield would not want to litigate a claim is that in most instances, the cost to American Home Shield to settle a claim would be less than the cost to litigate. The average amount of a claim in the cases I found was $3,800.00. Two were for less than $1,000.00 and only one was for more than $10,000.00. I’m sure far more than the 15 homeowners who have filed lawsuits in Georgia have had their claims denied. American Home Shield wins when a claim is denied and the homeowner does not sue, which is exactly what American Home Shield is counting on homeowners not doing.

Another reason American Home Shield does not want to litigate is because the company does not want to have to defend its craftily drafted contract or its questionable business practices, which is exactly what it would have to do if a case went to trial. American Home Shield also does not want such information to become public knowledge, which is also likely to happen. Additionally, a judge or a jury would also be hard pressed to return a verdict favorable to a company that engages in questionable business practices.

The final reason American Home Shield does not want to litigate is because a lawsuit actually places American Home Shield in a precarious situation. American Home Shield would have a difficult time defending any claim by a homeowner because the company has no first hand knowledge about the claim; it would need the testimony of the service contractor who, for its own reasons, may be less than eager to testify. The only knowledge American Home Shield has is what the company has been told by the service contractor. And any testimony from American Home Shield about what it was told by the service contractor is hearsay and not admissible in court.

To defend a claim, American Home Shield would need to subpoena the service contractor who actually made the diagnosis to testify about the claim. If the homeowner has done his/her homework, he/she would subpoena witnesses who could dispute the witnesses for American Home Shield. The homeowner should subpoena one or more service companies who had been called either for a second opinion or to make the actual repairs to dispute the testimony of the American Home Shield service contractor. The homeowner might also consider locating one or more other aggrieved homeowners to testify about their problem with American Home Shield. Another good witnesses for the homeowner to subpoena would be a former service contractor for the home warranty company or a former employee of a service contractor.

Since American Home Shield has at least three significant reasons why it does not want to litigate, the best and easiest way an aggrieved homeowner can beat American Home Shield at their own game (and most likely any other home warranty company) is to file suit. The one thing for an aggrieved homeowner to keep in mind is that if he/she does not sue, the home warranty company will win. But if he/she sues, the homeowner will most likely win. And that is how an aggrieved homeowner can beat American Home Shield at their own game.

My advice to aggrieved homeowners is not to stress over a denied claim, the denial of a situation as an emergency, repeated “band-aid repairs,” or a delay in authorization or in the repair of an item. I would also advise a homeowner not to waste time arguing with American Home Shield but to set a reasonable deadline for the appropriate action. Upon expiration of the deadline without receiving satisfaction from American Home Shield, the homeowner should then proceed as if they did not have a home warranty and then sue American Home Shield for reimbursement. The homeowner should also remember to document every action or inaction by both himself/herself and American Home Shield. Although the disadvantage to the homeowner is initially having to pay for the repairs, the advantage is that the homeowner can choose the service contractor and the brands and quality of products. I won’t guarantee all aggrieved homeowners will prevail every time but I have good reason to believe most aggrieved homeowners will prevail the majority of time.

For aggrieved homeowners whose claims were denied at sometime in the past, you may still be able to sue for reimbursement. To make that determination, the homeowner needs to research the statute of limitation for suing on a contract in their state. In any event, a homeowner should be safe filing suit for a claim that was denied during the past twelve (12) months.

Within the next six months, instead of reading homeowner’s stories about being scammed and ripped off by their home warranty company, I want to read stories about how homeowners turned the tables and beat their home warranty company at their own game.
If anyone has any questions, I can be contacted at [email protected]

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Review filed under: National Home Protection
Author: Donald Walker

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On Aug 11, 2008 I contacted someone named Jeffrey at national home protection located in the city of New York City, NY: 42 West 38th Street 8th floor suite 800 New York, NY 10018. I have two properties in the State of California that I was considering home warranties for. I wanted to know if there were discounts for multiple properties. Jeffrey told me he had special pricing for multiple homes called the “realtor pack “which was 15% off quoted prices with a 45.00 Dollar service call deduction. He told me in order to receive these discounts I had to purchase a minimum three year policy. My main concern was what the policy exclusions were. I call it a policy because that’s how national home protection advertised their service on the internet as an insurance policy.

I asked if I could review the home warranty policy first and Jeffrey told me that once I purchased the policy he would immediately e-mail me a copy of the policy to review and also send me a copy through the U.S. mail that I would receive in about three days, along with 300.00 Dollars in Home Depot gift cards (50.00 per property per year) that were part of a promotional link to their web site and that I had 30 days to review the policy before it went into effect and that I could cancel at any time and keep the gilt cards, and after 30 days I could cancel with a pro-rated refund .I then gave Jeffrey my credit card number over the phone to complete the purchase. On Aug 13, 2008 I checked my e-mail and had not received the policy from Jeffrey, I did receive an e-mail from someone named Victor Hakim Sales Manager at national home protection (nhp) who offered me the same so-called “realtor pack” deal (see attachment #B) that I had just purchased from jeffrey but without the requirements that I was subjected to earlier. I now realized I had been the victim of false and misleading business practices at nhp. On Aug 18, 2008 I finally received the (2) insurance policies. In the mail from nhp and after further review found that Jeffrey misrepresented the facts about their cancellation policies and promotions (I received no home Depot card nor could I cancel the policy at anytime). He clearly committed fraud over the phone. I immediately contacted nhp and spoke to someone who refused to give her name, about cancelling the policies. I was told my request was being forwarded to a manager for review and a decision would take 72 hours then someone would call me. On Aug 20, 2008 I sent two e-mails as a reply to victor hakim about dissatisfaction with nhp and demanded a full refund. I explained that Jeffrey had not explained the terms or conditions to me as stated in their policy, and that as I looked further into their company I found out that it was common for his employees to deceive the public. Further nhp does not make assurances that the public understands their cancellation policies, nor do they provide reasonable time to review or an opportunity sign their policies. My e-mails were never answered.

On Aug 20, 2008 I faxed to nhp a formal notice to cancel all policies and continued to call. All faxes were verified as received. On Aug 22, 2008 I called nhp and again spoke to someone who told me that my cancellation request was still being processed and my final call to nhp was on Aug 25, 2008 when I was told nhp will not accept my request to cancel the policies. It’s very clear based on the sampling of hundreds of complaints which I have enclosed with this letter that National home Protection engages in deceptive business practices to obtain their customers. Consider that fact that a policy that takes seven days to reach a customer via U.S. mail would be impossible to review with three day (72 hour) clause or the fact that nhp employees do not inform their customers of the importance of these conditions and assures that they fully understand them.

Nhp has an extensive history of deception and fraud and has an unsatisfactory rating with every known consumer protection agency, and was doing business under the name of United Home Warranty, and are currently under criminal investigation in the state of New Jersey for consumer fraud. They have now changed their name to National Home warranty and are currently doing business in the state of New York.
Their customers are being denied service for no reason, hundreds of customers never receiving their (Home Depot) promotions and cancellation requests denied.

I hope this information will encourage you to do what’s necessary to protect thousands of Americans from consumer fraud and deception by National home Protection as witnessed at:
1. Complaints.com 6.Abclocal.go.com
2. Scams.com 7.The squeakwheel.com
3. My3cents.com 8.Consumeraffairs.com
4. Complaintboard.com 9.thestuccocompany.com
5. Ripoffreport.com 10.viewpoint.com


Additional advice about home warranty:
Home appliance warranty coverage varies and you should be aware that not all home appliances and furnitures are covered. While Kitchen electronics, and electrical system are covered, storage cabinets, ceiling fans, and furniture repairs are generally not covered




Can a Contractor benefit from the Home Warranty Companies? There may be universal consensus on the subject which is why this article is dedicated to show how work can be extracted and also examine the full scope of benefits a Contractor can draw from a Home Warranty Company.

Contractor looking for job

Why Work With A Home Warranty Company?

The better the reviews for a Home Warranty Company (New York, Virginia, Texas, California, etc.), the better your chances of earning and saving more at the same time. What makes it so attractive is the almost nullification of advertising costs for the contractor. All companies that work along with Contractors offer free referrals to Contractors, to all their home warranty customers.

In order to make the most of the significant market that exists, it is never enough to know the technical know-hows of how to repair electronic appliances but you should also be ready to expend a part of your revenue into marketing your brand.

Another reason it is beneficial to work with a Home Warranty company would be because it guarantees continuous work, and you are less prone to be out of work on a not-so-profitable season. With increasing work calls from the Home Warranty Company, the more chances you have at expanding your brand, either by hiring new technicians or buying new work-enhancing technology. With this sort of reliability, you could be fixing an AC and heater at any time of the year.

This can also prove beneficial to the Home Warranty company too as the contractors provide good reviews of the companies they are working with, increasing their chances of contacting them again or even spread goodwill by word of mouth.

When you decide to take on this relationship with a Home Warranty Company, it is also important for a Contractor to remember that he/she must be efficient in receiving calls from customers, who are directed from the Home Warranty company itself. Customer service is the lifeline on which the success of Contractor business can rely on, especially in the case where you are working with a Home Warranty Company where all your customers are directed from the contact number you provide the company.

Joining bigger Home Warranty Companies can give you a form of exclusivity if one outperforms all the contractors a company has hired. This will allow you to appear at the top of their list of contractors, especially if they provide reviews’ section.

How To Work With A Home Warranty Company?

Almost all leading Home Warranty Companies offer online applications which you can fill up in your leisure time and submit with all the relevant information typed in.

Some of these leading Home Warranty Companies include,

  1. American Home Shield
  2. Select Home Warranty
  3. Home Warranty Of America
  4. Choice Home Warranty
  5. One Guard Home Warranties  

The customer reviews’ section within our own website can also be found for some of the top rated Home Warranty Companies like American Home Shield, The Home Service Club, Secure Home Warranty, America’s Preferred Home Warranty-APHW, Select Home Warranty and First American Home Warranty (also picked as 2017’s Editor’s Choice, a brand new category introduced this year).

However, all contractors are requested to review the home warranty companies they’ve worked with on an exclusively dedicated space called the Vendor’s Area. Here, one can dish out all the good and bad experiences one’s had by taking up the jobs given by the home warranty companies.


Some of the benefits to the contractor by working with a Home Warranty Company like above, in addition to the ones already mentioned, would be:

  1. Phone claim approvals
  2. Detailed information of their employers / the company
  3. Administrative support
  4. Online invoice
  5. Ability to review payment history
  6. Cancel or resolve service fee
  7. General management of claims online

Renowned Home Warranty Companies also help their contractors in times of need, which include an experienced support team and a high limit on calls. Companies like Home Warranty of America also helps Contractors claim costs.

What To Remember Before Becoming A Service Contractor?

Before filling up your application form to become a Service Contractor, it is a necessary step to license your contractorship. Every Home Warranty Company expects the Service Contractor they are about to work with are certified contractors with a license and hence you are required to fill up your license ID in the application form.

Also you are required to fill in your Auto Insurance Policy Number, and your General Liability Insurance Policy Number (optional). Insurance Policies are in your own interest, hence even if some of them are optional we recommend you create one if absent.

Diversifying your skills can also be very beneficial before applying for a Contractorship with a Home Warranty Company. As you fill up your application, you are asked of your specialization and hence learning new skills can help you strike off more blanks, increasing your popularity among the reviews and consequently help increase your revenue.

Consistent work can be guaranteed when you are able to juggle with different kinds of repairs be it plumbing, garbage disposal, weed/lawn mowing, ceiling fans, gas fireplace or septic system. These numbers can go up to a hundred so a little bit of extra skill can only put you so much ahead of the rest of the contractors.

If you are looking to expand your presence in contractorship, applying to work with a Home Warranty Company is the best as it can get. You can save and earn more at the same time, a chance usually deprived for those working outside of these companies. There are many ways you can utilize such an opportunity, more so as there are numerous Home Warranty Companies and your chances at getting in at any one of them aren’t nearly dim. Go ahead and fill your applications now!

Our portal also lets you access some of the most sophisticated lists of best home warranty companies, ranked on a various different criterion. This is, in addition to the Complaint Resolution Program (CRP) and Home Maintenance Calculator. Be sure to check them out!

Recommended Articles




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

Buying Home Warranty Intelligently

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

Stop-Home-Warranties-Problems

 

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

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

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

# 1 – Assuming Home Warranties Are Covered While Buying Properties

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

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

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

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

# 3 – Not Reviewing Your Home Warranty Contract

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

# 4 – Not Choosing The Right Plan

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

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

# 5 – Not Researching Home Warranty Companies

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

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

Is That It When It Comes To Home Warranties?

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

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

Go ahead and give our features a shot!




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.




By:  Kevin Wallach


One of last year’s most talked about movies, “The Big Short,” got people thinking once more about the great housing market crash of 2007.  The film, based on true events, cut to the heart of the abuses of government regulatory weaknesses that allowed one of the worst market collapses in history to occur.  Though that financial crisis is behind a great many, plenty of U.S. homeowners are still feeling its effects in the form of an upside down mortgages, loans bigger than the value of the houses that collateralize them.  According to NBC News, 13% of U.S. homeowners are still seriously underwater.  This estimate was based on figures provided by RealtyTrac, and the basis for the term, “underwater,” was that the home’s value is 25% less than what is currently owed by the homeowner.

From Buyers Market to Seller’s Market The U.S. Housing Shortage

Imagine what this means for the homeowners.  You face the choice of holding on to a house that may or may not ever reach a value which would match or exceed the mortgage.  For many families, this just is not an option.  The other prospects are not any better, though.  Accepting foreclosure or a short sale can be as damaging to a consumer’s credit rating as a bankruptcy.  The long term effects of having poor credit can be devastating, particularly so for families barely hanging on financially and experiencing long-term decreases in household income.

It’s no surprise then that homeowners who owe more on their homes than the houses are worth should be cheering the current situation facing the housing market.  That situation, of course, is the housing shortage that is being realized nationwide, worse in some regions than others.  In a blog post on Trulia’s website just days ago, the online publisher of real estate industry information broke down factors that are contributing to the shortage of homes and particularly the shortage of affordable ones.  According to that Trulia article, 95 of the 100 largest U.S. metropolitan areas have seen dramatic drops in the number of new starter homes being built.  If you compare these metro areas with various measures of employment opportunities, you begin to see that what’s driving the economic recovery in some regions may also be driving a split between housing that is affordable for the most fortunate among us and that which is affordable for the average worker or for the working family.

Talk of a housing shortage may seem bizarre to those who are still watching their property values hover, stuck in a zone that seems almost permanent.  These homeowners are witnessing a recovery in a housing market that has not been evenly experienced nationwide.  While places like southern California see spikes in prices of even undeveloped land, much of the country is seeing stagnation, except in neighborhoods with premium housing options.  So while inventory nationwide is shrinking, it’s not necessarily translating into big opportunities for owners of homes around the United States to sell at break even or a profit.  And those who do sell their lower-priced houses as such are running into problems finding houses that they can afford at the next price level.

So, what is it that’s really driving housing shortages, if not healthy employment and more people moving from their first house to their second, and more expensive one?  This is where speculation can lead to some pretty grim possibilities.  Back in January of this year, The Washington Post gave some predictions for the housing market in 2016.  Among those visions of the coming year were sunny forecasts of continued rising home values, built on solid ground this time, unlike the lead up to 2007.  But what the Post’s article may be wrong about is how solid the ground is under these increasing housing costs.  According to some market analysts, a new type of real estate investor is largely taking the place of larger institutional investors.  These “mom and pop” investors are, unlike their larger predecessors, using credit, not cash, to make these purchases.  In this article from RealtyTrac about mom and pop investors in the real estate space, the purchase of homes is secondary to the effort to purchase the loans themselves.  And it doesn’t end with small investors who buy distressed houses on credit or who buy non-performing loans (NPL) and usually foreclose, adding to reduced house values in areas already struggling to rebound.  There is evidence, as Fortune reflects in their recent article, that a number of large scale investment factors are directly contributing to overvalued real estate in the U.S., an undercurrent that is buoying sales of overpriced homes, thus leading to a shutout for prospective buyers with budgets that just are not big enough for the market’s demands.

If worst case scenario predictions prove to be true then American homeowners should not expect to see the continued value increases predicted by optimists and eager salespeople.  And if it proves to be true that the shortage is mostly built on speculation, much like the bubble that burst in 2007, then that 13% of underwater mortgages reported by NBC News may, in the not-so-distant future, grow much bigger again and abruptly end the housing shortage.


About the Author:  Kevin Wallach has written about the home warranty industry and other homeowner related topics since 2009.  He is actively involved in the marketing of home warranties, as well as being an active member of the larger industry.  He is the administrator of the Linkedin group for the home warranty and home service contract professionals.

HomeWarrantyReviews.com is proud to bring our readers editorial articles such as this one. If you would like to see other topics related to home ownership covered in future editorial articles, please let us know. And if you came here today to read about home warranties then please consider one of our recent articles about home warranty companies and their services.




Maintaining everything in the home is one of the major concerns homeowners have to deal with. Every homeowner worth his salt will tell you that the primary expenses incurred in the process of home maintenance are due to appliance and system faults.
Home Maintenance Plans

Having said that, we’re sure that everyone has heard of Appliance / Home maintenance plans or simply put, home warranty plans. Such plans are contracts that agree to provide you with discounted repairs and replacement services for household appliances and systems. Do keep in mind that such plans are for ageing appliances that have suffered quite a bit of wear and tear over the years. Appliance warranties only cover damages that are due to age, wear and tear.

Home Warranty – How Does it Work?

The working of such plans are quite simple. You purchase the warranty from a home service provider for a specific duration. During the coverage period, if your appliances / systems breaks down, you only need to  call the your warranty provider. They will send a technician to fix your faulty item at just a nominal service charge fee. The actual cost of repairs will be borne by the company.

Hence, in many ways, a warranty is a wise way to protect your budget from unexpected expenses. To know more about home service contracts, read things to know about home warranty. You’ll find that helpful.

Cost of Home Maintenance Plans

Now, coming to the actual problem that this article addresses, cost of home maintenance plans. In general such appliance warranties are affordable and reasonably priced. Most companies offer a specific set of plans from which you can choose, based on your requirements.

The annual premiums for a home service contract ranges between $200 – $ 600, for a home under 5,000 sq.ft. When you purchase a plan, you will be provided with a policy booklet that explicitly specifies all the items that will be covered. You will also be provided with information about various other terms and conditions. Like we said before, home service contracts do not cover damages due to anything other than age and regular use. For faults due to crime, hazards and other perils, you may want to check the difference between home insurance and home warranty.

In addition to the annual premium, you may also have to pay a nominal fee as the deductible each time you raise an issue. Deductibles usually cost between $50 – $100. There are some companies that offer zero deductible appliance protection plans

Like we discussed before, different providers charge different amounts for their plans. Following are the facts that decide the cost of home warranty.

  • Extent of coverage
  • Type of plan
  • Additional benefits/ services
  • Size of the house
  • Age of the house

If you want to purchase a home warranty plan, we suggest that you get your home inspected first. While some companies offer this service prior to the contract being signed, some companies do not. A home inspection reveals a lot of potential problems that your house may face and the inspector may even recommend a plan to make the best out of home warranty.

Bottom Line

If you are still unsure about home warranty, we suggest that you go through our web site and read some informative articles that may help you solve some confusion. That said, we still think that a home warranty is a clever way to protect your appliances and save cash in the process. Cheers!




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

Fake Reviews

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

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

Penalizing Companies Posting Fake Reviews

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

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




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

Types of Warranties

Home Warranty

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

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

Manufacturer’s Warranty

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

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

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

Seller’s Warranty

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

Extended Warranty

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

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

Home Service Contracts

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

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

Make sure you know and understand:

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

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




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

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

What is Structural Insurance?

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

Structural Insurance & Home Warranty

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

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

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

Site Insurance

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

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

Builder’s Insurance

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

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

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

Why Insurance During Construction is Essential

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

Structural Warranty for self built homes

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

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

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

Home and Structural Warranty

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

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

 




If you’re a resident of Oregon, this is an article you wouldn’t want to miss. Every homeowner worth his salt must be well informed about the best home warranty companies in the state they reside. Being a coastal state in the Pacific Northwest region, Oregon has a diverse landscape which makes it a very popular choice for potential home buyers. All the more reason why you should go through this article because who knows, you may settle down in Oregon one day!

Home Warranty Companies

Oregon’s Best Home Warranty Companies

 

As you know, our website hosts reviews from actual customers of home warranty products from across the country. These reviews form the basis on which various companies are ranked on our site. For your convenience, we also have a list of top ten home warranty companies in the country. And based on the reviews collected from the customers in Oregon, here’s a list of top home warranty providers in this region-

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

In more detail, here’s the list of top competitors.

1. American Home Shield

Considered as the founder of the home warranty industry, American Home Shield, or AHS as it is commonly called, is a company that has over 40 years of experience. AHS has come to be a company that has a nationwide footprint with many customers praising its services. AHS claims that their plans are designed to help out homeowners, sellers, buyers and Realtors alike.

With plans that cover most appliances and systems in the home that too at compelling prices, AHS has garnered many rave reviews. On an average, a standard plan comes at an annual premium of $249-$500+ and the deductible per service visit charge ranges between $75-$125. AHS claims to have a massive contractor network with over 11,000 technicians who are selected after a stringent screening process. With positive reviews flowing in from all parts of the country, AHS rightly deserves to be called one of the best home warranty companies.

2. The Home Service Club

Serving across 49 states in the US, The Home Service Club (HSC) is yet another major player in the home warranty industry. HSC, like its counterparts, have designed plans that are suited to cover major appliances and systems in a home at affordable prices. The company believes that they are innovators who constantly come up with new ways to help improve customer satisfaction and the quality of the services they provide.

A standard plan offered by HSC costs around $400 and the deductible charged per service visit ranges between $75-$125. HSC is also one of the few companies that don’t mandate a home inspection prior to purchasing a warranty product from them. The company’s contract network is extensive and like most of their counterparts, HSC too has around the clock customer service facility and also an online claim submission feature.

3. Select Home Warranty

Yet another tough competitor in the state of Oregon is Select Home Warranty or SHW for short. Select Home Warranty is headquartered in New Jersey and has quite an extensive coverage across the country. And like other companies on this list, SHW too takes pride in its massive contract network with over 10,000 carefully selected technicians.

For homeowners in Oregon, select has three main plans to offer. They come in varying levels of coverage and are priced between $299-$499. Service call fee per visit is on an average around $60. SHW does not place a restriction on the age or the size of the property to be covered, neither do they mandate a home inspection prior to signing the home warranty contract. This is a rare feature and it makes them all the more loved.

4. Landmark Home Warranty

Landmark Home Warranty(LHW) is a company that provides services in the states of Arizona, Oregon, Idaho, Utah and Texas alone. Despite the lack of nationwide footprint, LHW has managed to garner rave reviews in states that operate in. They also offer pest control, re-keying and heater tune-up services in certain states.

LHW too provides plans that are designed to provide peace of mind to the homeowners. With most of major appliances and systems being covered, the plans come at reasonable prices, ranging between $425-$625. Deductibles too are charged nominally, at around $60 per service visit.

5. HSA Home Warranty

Home Security of America Home Warranty or just HSA Home warranty, is the final company on our list of top 5 companies in Oregon. With over 30 years of experience in home warranty sector, HSA has grown to become a popular choice among American Homeowners. Headquartered in Cross Plains, Wisconsin, HSA is a company that claims customer satisfaction is their prime area of focus.

Home warranty plans by HSA come in two variants each with varying levels of coverage and priced between $589-$619. The deductible per service visit charge ranges between $75-$100. The company also allows customers to customize and extend their coverage by adding items from a select list of add-ons. The annual premium would then vary based on the level of coverage picked by the customer.

The Final Word

What we have provided you is just a list based on the reviews that we have gathered on our site. There would be other companies in the local market who are equally commendable. So the only way to make a wise choice is by doing ample amount of research. Our site offers profound insights about various companies across the country. You could also take a look at the award winning home warranty companies to help with your decision. As always, we welcome your questions and would be more than happy to help you out. Cheers!