The Top 5 Realtors in Los Angeles

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

Best Realtors in Los Angeles

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

Brad Korb

Top Realtor Brad Korb

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

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

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

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

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

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

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

 

Jesse Weinberg

Best Realtor in Los Angeles

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

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

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

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

 

Danny Mahelka

Experienced Realtor in Los Angeles

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

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

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

 

Fredy Rodriguez

Awesome Realtor in Los Angeles

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

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

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

Fredy’s credentials and certifications include the following:

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

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

 

Lynette Williams

Most sought after Realtor in Los Angeles

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

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

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

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

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Living in the modern times is a blessing in many ways. When we look back at the way our ancestors lived, we certainly feel grateful about the various developments and innovations in technology. Science is indeed a marvellous field.

Every invention that man has ever made has always been done with the idea of making human life easier. The very first machines, be it the blunt stone tools or the wheel, the idea behind every one of them was to reduce manual effort. Several centuries later, the world we live in today has developed so much that we have a machine for anything and everything.

Let’s take a look at some of the most genius inventions that science has given to the average homeowner.

HVAC units

Appliances That Make Our Lives EasierMan’s need for protection against the bitter cold started with the invention of fire in the early stone ages. Today, we have electrically operated Heating, Ventilation & Air Conditioning units that provide us with the much needed warmth/cool.

HVAC units are large systems which take in air through filters, use coils to alter its temperature and then blow it out through a vent. If you care for your HVAC unit, take a look at our Checklist for HVAC maintenance.

Washing machines

washing machineCan anyone imagine a world without clean clothes? Of course, no! Washing machines are yet another gift the world of technology has given us, one we can’t thank them enough for. Feed in a pile of dirty laundry and out comes fresh, clean fabric!

They save us the effort of hand washing our clothes or the money to buy new clothes, which ever way you want to look at it.

Refrigerators

refrigaratorIf science did not gift us with the refrigerator, we would’ve been surviving on take-outs or slaving away fetching fresh ingredients and cooking them daily. Fridges too make our life

immensely easy by ensuring that we have the provision to store food in our homes.

Refrigerators too have become a staple in every average kitchen. The work by reducing the temperature of edible items which in turn reduces the chances for decay and spoilage. We also have a very informative Refrigerator Maintenance Guide, do take a look!

Dishwashers

Dish washerNobody wants to spend their post-dinner time scrubbing dirty utensils. Dishwashers do that job for us. These appliances provide us the luxury of allowing us to sit back and relax post dinner. All you need to do is load the dirty dishes into it and press a few buttons.

They easily fit into kitchens as they are not that space consuming and is yet another appliance that makes our lives so much more easy. You can also take a quick peek at our Dishwasher Maintenance Guide.

Microwave ovens

Washing MachineThey are a fairly recent invention, nevertheless, they too have become an integral part of the modern kitchen. This gadget is tiny compared to the other appliances. However, its quick cooking time and ease of use has earned the microwave its place in every home’s kitchen. While the radiation it emits is still a heated topic of discussion among staunch environmentalists, this appliance continues to help us immensely in our day to day life.

 

 

And that’s not all!

While we’ve talked about five appliances alone, we want our readers to understand that they are just the few of the many systems that make our life easy. We’re sure everyone who reads this agrees with us on that.

Now, since these beloved appliances do so much for us, shouldn’t we do something for them? Of course we should! If your appliances/ systems are 4+ years old, it is strongly recommended that you purchase a home  warranty to protect your appliances as well as your budget. You can read more about home warranty and its features and benefits!

We hope you found the article interesting, do share your concerns and doubts with us. Cheers!




Home appliance protection plans are getting popular these days among homeowners. Such home warranty plans cover appliance repair costs and help homeowners with maintenance and repair services.

Home Appliance Protection Plan

What exactly is home appliance warranty plan?

Home warranty plan is a contract to insure the appliances in case of breakdowns to cover-up the repairs or replacement.

Watch this video to know the basics of Home Warranty –

Why do I need a home protection plan?

Home protection plan relieves you from unwanted stress and buys you peace of mind by providing the confidence that any repairs and replacement of your insured appliance will be taken care of by qualified service providers.

How does a home protection plan work?

In case any of your insured appliances break down, first step is to place a service request by simply calling up your insurance company. Once the request is confirmed the same is sent out to schedule an appointment. Only the service fee will be collected to determine the problem and sort-out the issue.

Are all the appliances in the house covered in the warranty plan?

Only the products listed in the insurance contract will be taken care of by the Home protection plan. Generally all major appliances  like refrigerator, washer/dryer, bathtub, plumbing systems, electrical systems, ceiling fans, water heaters and garage door opener are covered in the insurance plan. If it is determined that your insured item cannot be repaired by a service contractor, then it will surely be replaced.

Before deciding on home warranty plans and policies:

There are lots of home protection plans available in the market today. But it is not really hard to find which plan suits your requirements best, besides you just need to do some basic groundwork before deciding-

  • First you need to find out what your entire plan should cover
  • How much do you prefer to invest on the warranty plan?
  • Find a suitable home warranty company that offers the kind of plan you are looking for at a particular price to invest on.
  • Go through the policy booklet and fine print of the company contracts
  • Do check whether the policy has any pre-existing condition exclusions and if so what those conditions are
  • Does the company add up any additional fee on repair or service charges?
  • Will the appliance be replaced or repaired? Will they replace items with new or used items?
  • Check company’s response time obligations. Generally it is within 24 to 48 hours for non-emergency repairs.

These are all the questions that you need to find the answers to before purchasing a home warranty policy.  Some company policies cover only certain appliances while few are expensive. You need to be clear on all these issues.

Once you are certain about which plan suits your needs, compare the policy premiums and ensure the coverage plan. Finally, make sure the home warranty  company is available 24 hours a day, 7 days a week, including weekends and holidays, so they are there when you need assistance. You can find such companies in our home warranty company directory. A home warranty company should have a toll-free number so it doesn’t cost money to call. Ensure that the customer support is available on easy track so that it helps in fast communication and service. Sign up with a company that has all the above mentioned facilities.

Planning to buy a Home Warranty policy? Watch this video –

 




Extended warranty sometimes also called as a maintenance or service agreement, is a prolonged warranty given to customers who wish to insure their fairly new devices. They are not always provided by the manufacturer and are usually procured along with or as and when the manufacturer’s warranty expires.

Such extended service agreements are often purchased for gadgets and appliances that don’t come under Home warranty. Eg. laptops, TV, desktop computers. They can be purchased over an existing manufacturer’s warranty so that damages due to accidents are also covered.  They cover repairs and replacements of the insured device for a fixed period of time, which is usually around 2-3 years.

Do I need extended warranty?

If you are wondering whether you need an extended appliance protection plans or not, consider this –

You have a reasonably new device which cost you a lot. It is still covered by it’s manufacturer’s warranty but you are not certain if that will be enough. You fear that accidental damages may occur and you cannot afford to repair or replace the device if it happens. If this is what is going through your head, we recommend that you purchase an extended warranty.

There are quite a few advantages that make you want to consider buying an extended appliance protection plans. Here are a few of them:

  • Extended warranty agrees to repair or replace your appliances if it breaks down after the manufacturer’s warranty expires.
  • They cover most of the electrical and mechanical damages.
  • You may never have to claim anything on your manufacturer’s warranty as the chances of a device failing in the first 12 months of it’s life are low.
  • They are easy to acquire and they give you peace of mind.
  • Almost all major appliances can be covered with an extended warranty.

Although, the advantages may seem great, some experts have the opinion that extended warranty is a waste of money. This is because a decent appliance/gadget manufactured by a reputable company stands very little chance to fail in the first 2 years. It has been noted that retailers make huge profits from extended protection plans as very few consumers claim them.

Also, when it comes to electronic gadgets, it sometimes makes more sense in replacing it with a new one rather than repairing the damaged one. These days you can get a DVD player for around $30, so why then would you spend $20 repairing your damaged DVD player?

Technology is advancing at a very fast pace, unless your device is precious and expensive, we suggest that you think twice and explore a few options before you purchase extended warranty.

You may want to look at the repair rates of the various gadgets in the first 3 years of their lives and then decide if you need to go for an extended protection plan. However, the same cannot be said of Home Warranty, which is always recommended for most homes.

If you feel you don’t need an extended warranty as your appliances are 4+ years old, the best option for you would be a Home Warranty. Find out more about Home Warranty and Home Warranty Companies!

Buying Extended WarrantySource: CBS News

Extended Warranty vs. Home Warranty

extended warranty vs home warranty

Things to keep in mind

While you consider purchasing an extended warranty, ensure that you contemplate on all the points that follow.

  • Contract Terms and Conditions

Make sure that you know how the plan works. Read through the terms and conditions mentioned in both the contract as well as the policy booklet. Understand what damages are covered and what damages are omitted.

  • Term of coverage

All extended warranties do not have the same duration of coverage. The term can vary anywhere between 6 months to 3 years. Be clear on this.

  • Extra charges

Beware of this one. In certain cases you will have to ship your damaged gadget to some other location. If this happens you will have to pay the shipping charges. Not only this, there could be several cases where you will have to spend extra money in addition to the amount you pay for availing the warranty. You can speak to the retailer to clear any doubts you have regarding this.

  • Comparison shopping

A lot of warranty companies are out there that sell extended warranty. Sometimes  it makes sense to consider a few options before you jump into a decision and purchase extended warranty from the retailer. Some companies offer plans that cover a group of devices instead of a single device. These may be much more profitable that purchasing one warranty for a single gadget.

  • Credit card benefits

Before you purchase an extended warranty, check with the bank issuing your credit card to know if you are automatically entitled to an extended warranty if you make a purchase with the card. In certain cases, platinum and gold cards offer this feature to customers.

Getting an extended warranty is not a bad idea. However we urge you to go through everything carefully before you purchase an extended warranty from the retailer. Extended warranties, like we said are only for a single appliance/gadget. While they are not pricey as such, sometimes, for homeowners with ageing appliances find Home Warranty plans more ideal. They are affordable and cover a host of appliances and not just a single one. If you think, an appliance warranty plan is what you need, take a look at the top 10 home warranty companies in the U.S.A. Good luck!




Getting and staying organized is a bit of a challenge for many of us. This challenge often feels impossible to meet, resulting in the individual getting trapped in an overwhelmed mode. It is probable, however to overcome the overwhelmed feeling and efficiently get your home arranged by breaking the task into smaller steps and following an organized approach to achieve each step.

Get Your Home Arranged

Reasons for getting Organized

After a tiring day at work, you require to get to place where you could take enough rest and relax for recharging your energy. No other place can be more appropriate to do that, than your own home. But, first and foremost, you need to get your home organized to make it your favorite place for relaxation.

Your house is not just a place where you take your sleep, stock up your belongings and nurture your body with food and other basic requirements. But, your home is your sanctuary for the reason that whatever happens through the day, you would always go to the place where you could ease your victories and judge your failures.

Those are the reasons why organizing your home should be a main concern if you want to keep its comfort. Since you are too busy at work and usual activities, you would find it a major challenge to get your home organized. Generally, people complain that it is hard to organize the home as there are just too many stuff that are stored in. They are too busy to fix the mess and clean the dirt regularly.

That is why the ability to get your home planned is a must for you and for everyone. Once you gain knowledge of how to get your home organized, you would surely realize that it is not a hard task. Moreover, you would surely develop the practice of being responsible and reliable in keeping your place as pleasant as possible.

Get Your Home Arranged in 7 Simple Steps

After implementing the following organizing tips, you’ll speculate how you or anyone else manages without being organized.

  1. Schedule time to de-clutter your home and do this regularly.
  2. Place your things in such a manner that there would be sufficient space for free movement within the house.
  3. Keep the orderliness of your cabinets, shoe rack and even your refrigerator. Throw away unwanted stuffs so that they would not pile up and will be trouble-free to get your home organized. If the stuffs have sentimental value, you could just pile them up in the garage or in the storage room.
  4. Keep your house hygienic and clean it regularly. Ensure there is no dust piled up at furniture and appliance surfaces.
  5. Arrange the books in the book shelf and label your compact discs and place them as per their categories.
  6. Use every room as per their proper functions to get your home organized. This would avoid unnecessary mess everywhere inside the house.
  7. Do not file the bills with personal letters and other important documents.

Keep to your goals and get your home organized. You would find that a planned home would surely make you feel good in the future as you would not be messed up inside the premises of your own sanctuary. If you still face difficulty to get your home organized, you need to consult experts.

All the Best with the re-organization!




The thing is, we at HomeWarrantyReviews.com are so delighted for your continued support in providing useful reviews of the home warranties, along with using our outstanding free get quote tool for comparing various companies and its policies. We bet that the insights gained will continue to grow and remain invaluable, like always.

Home is where the heart is – everybody needs to delve deeper into their comfort zones. What’s going to aide us in this constant search? Technology. slowly, but surely technology is going to overhaul your way of life. You have to wait, til the cows come back home, ain’t it?

Modern Technologies To Homeowners

Trimming The Clutter Down

It takes constant effort and dedication to keep a home well-managed. (How else could you create that suave impression on your visitors?) You can run through our Ultimate Home Cleaning Hacks for some much needed inspiration. Keeping your home organized in easy steps is also a saver!

Get this into your head, make a habit out of each and every individual of your family. See to it that these handy tips are followed regularly and you’ll thank us later. It’ll be such an invigorating experience for sure.

Making Edges Way Smoother

The information seen here is the impending future, hopefully being materialized at a local store near you, within a couple of years.

Let’s see them all one-by-one over the next couple of engaging minutes-

Solar Paint

Imagine the paint on a car self-powering a battery, how cool is that for the automotive industry? Paints on a sidewall of a home silently swindling energy to power lights on your front door, you read it right!

Using thin solar films loaded with minuscule photo-voltaic cells, these solar paints can be sprayed to achieve a superior finish. Look how this mind boggling technology is generating power and maintaining the beautiful aesthetics of a home too!

With due technological advancements, the solar paint is able to generate around 8.1% to 10% of solar energy whereas the traditional solar panel harnesses around 18% to 20% of sunlight into useful solar energy. Isn’t this revolutionizing our current trend? Wouldn’t you love to be a part of this remarkable move?

Solar Transparent Panel

Yet another technological breakthrough was seen in the form of completely transparent solar panels. When a normal window pane back home could potentially generate solar energy, undoubtedly skyscrapers can act as a potential source to harness unlimited power of the sun. Further, cities can work on a more self-sustaining energy consumption model. Even our mobile phone screens can be equipped with these transparent panels and according to researchers, these transparent solar panels can reach 50% more efficiency than the traditional solar panels being widely used world-over. Imagine the energy boost you’ll all get and how economically beneficial it can get in the long run! Not to forget the clutter you’d get rid off your rooftops. Ain’t that a charm for any homeowner?

Smart Homes Using Internet-of-Things

This is a huge and promising topic having the most applications under one umbrella. These technological features can relatively be convenient for any homeowner to access and this category gives the kind of satisfaction of comfort, at a deeper level.

Being able to take precautions with the help of a Weather Detection System, you could easily minimize the wrath of nature’s fury. (Probably it’s a good idea for homeowners down south to know which are the best home warranty companies in Florida, for it witnesses the most hurricanes in a calendar year!)

Next comes the state of the art home security systems which manages alarms for break-in, informing the police department to take immediate action at your location. Active surveillance cameras sense body motions and send movement alerts across your smartphones. Smart locks reading your fingerprints can trigger actions which either lock or unlock your front door. Lights can be turned on and off from a remote location, portraying the perspective that the home is not left unattended, even though you’re enjoying a holiday overseas.

The modern kitchen these days are a heaven, since the advent of the IoT, your appliances are more versatile, the age old plain looking front of the refrigerator can now smartly connect online and play your favorite show right on the refrigerator door itself. Yes, imagination can run high and you could potentially see appliances doing more than what they were originally meant to do.

Not only that, the lighting in the living space can be dimmed, music can be played with a flick of the wrist, and the heating and cooling systems can be activated just by the mere presence of a person. Moreover, even the water in your bathtub could be set to a temperature you fancy with nothing but hand gestures. And Light Fidelity (Li-Fi) is going to redefine the meaning of super-fast, crossing a whopping 200 gigs per second!

Conclusion

Imagine how wonderful self cleaning clothes sound, just run it with plain potable water! Visualize your home looking new and fresh every time a rain showers down at your place. Exciting, isn’t it! From rooftop tiles, paints on the walls and to the clothes you wear, newer disruptive technologies are making a significant impact and bringing in more types of appliances to the local store near you. And in due course of time, all appliances fail under certain circumstances. Hence, it’s always a good idea to cover for unexpected costs due to failure. So here’s a fair idea on how much you can annually save from a home warranty and as the technological barriers are brought down and implemented on a large scale, so does the price of the product becomes affordable. Since savings is a word not to be ignored in this fragile economic condition, we strongly advise you to protect your budget with home warranties. Hope for the best and prepare for the worst, eh Cap’n?




The world has become a smaller place, thanks to our advancing technology. Information about anything under the sun (sometimes even about things beyond the sun) is available to us in a few clicks. In this day and age when everything is available to  professionals on the touch of a fingertip, why should a homeowner struggle to keep up with the responsibilities of owning a house ?The app market was quick to catch up on the home front and release applications that ensure an easy to maintain and more organized home. Let’s take a look at the top ten mobile applications designed with a homeowner in mind.

 1. HomeSavvy

Mobile Apps For Homeowners

Runs on: Android, iOS
Rating: 4.0
Pricing: Free

This app is basically your assistant in home maintenance.
It allows you to set a plan for home maintenance and sends you timely alerts to ensure that you stick to the plan! Chores like fertilizing the lawn, changing batteries etc will be prompted via alerts. The app also has a directory of local businesses too!

Pros:

  • Allows customization of home maintenance schedules
  • Alerts to remind user about tasks
  • Explains DIY tasks
  • Provides preventive methods to save money

Cons:

  • Flexibility is limited
  • Minor bugs on some devices

 

2. Billminder

Billminder App

Runs on: Android, iOS
Rating: 2.4
Price: $1.99

Falling behind on your insurance, electricity, gas or other utility bills can sometimes be troublesome. It will cause a financial penalty too. Hence this is something that no homeowner wants to forget about. Billminder makes sure that it does not happen. Billminder sorts your bills as per  their due dates and alerts you about it. You can even set up for an autopay option. Use this app to make sure that you never have to pay a late fee ever again!

Pros:

  • Tracks all your expenses
  • Personalised charts and reports
  • Syncs important data

Cons:

  • Bugs are not uncommon
  • Displays duplicate bills in some cases

 

 

 

3. BrightNest

Brightnest App

Runs on: iOS, Android
Rating: 3.8
Price: Free

This is an IOS app that assists a homeowner to keep his/her home neat, clean and shiny. The app helps you do home tasks by providing you with a set of simple instructions. It also allows you to a set a schedule for your home maintenance regimes and even alert you to make sure that you stick to the schedule. Be it home decor or cleaning guide, BrightNest provides you all the information you need regarding your home!

Pros:

  • Good performance. No spamming

Cons:

  • Minor bugs and inconsistencies

 

 

4. Priority Matrix

Priority matrix App

Runs on: Android, iOS
Rating: 4.0
Pricing: $2.99

This is an award winning and highly effective task management app. Though this was not designed with a homeowner in mind, many homeowners have attested to the fact that they found this app very useful to perform household tasks on time. Use this app if you are someone who often forgets about urgent tasks around the house.

Pros:

  • Very effective productivity management app
  • Free cloud sync

Cons:

  • Requires an online account

 

 

 

5. Dream Home

DreamHome App

Runs on: Android, windows, iOS
Rating: 3.5
Pricing: Free

Any color, design, decor needs are tackled by this app. You can find inspiring ideas on how to color your home or style your home by looking through the high resolution photos in the app’s gallery. Famous interior designers from around the world have contributed to the gallery. This can in a way be considered as the electronic replacement for magazine clippings that we carry to convey our point across to the sales representative! The paid version is priced at $2.99.

Pros:

  • Large gallery of pictures
  • Designs from world famous interior designers

Cons:

  • Limited use

 

6. HomeLogic Mobile Control

Homelogic App

Runs on: iOS
Rating: 3.5
Price: FreeIf you can access information at the touch of a fingertip, why not do things too? HomeLogic lets you control the lighting, heating, alarm and audio systems through your mobile phone! Working over wifi or Internet, the app is highly useful for controlling already installed HomeLogic products around the house.Pros:

  • Easy and powerful interface
  • Good functionality
  • Optimized for iPhone 5

Cons:

  • Not available on non-iOS devices

 

 

7. Aroundme

Aroundme App

Runs on: Android, iOS
Rating: 4.1
Pricing: Free

Perfect for homeowners who are new to the area. Like the name suggests, the app tells you about all the local businesses, restaurants, grocery shops and anything important around your new home!

Pros:

  • Highly useful for people who are new to a neighborhood
  • Easy to use

Cons:

  • Is inaccurate at times

 

 

 

8. Photo Measures

Photo Measures App

Runs on: iOS, Android, Windows
Rating: 4.3
Pricing: $2.99

Measuring your room with your tape and then writing it on paper is so out of style. Do it the cool new way using Photo Measures! Using this app, you can simply take a photo of the room and write in it’s measurements. Hassle free and easy!

Pros:

  • Highly useful for a variety of professionals

Cons:

  • Crashes have been reported
  • Reload fails often

 

 

9. My home Scr.App.book

My Home sca.app.book

Runs on: Android, iOS, Windows
Rating: 3.2
Pricing: Free

Great to have in case of a peril. Let’s face it, things will go wrong and disasters can happen. And when it does happen, it’s great to have this app on your phone. My home Scr.App.Book lets you take pictures of your home, place bar codes on your possessions and sorts them based on which they are in. Great to use while determining how much insurance you are going to file claim for.

Pros:

  • Useful for estimating insurance claim amount
  • Easy to use

Cons:

  • Errors reported while exporting inventory
  • Minor bugs

 

 

 10. Home Budget

Home Budget App

Runs on: Android, Windows, iOS
Rating: 4.2
Pricing: Free

A very popular money tracking app for homeowners. This is an integrated app designed to make your expense tracking simple. You can input your income and expenditures and and obtain assistance for budgeting.

Pros:

  • Photos of receipts and bills can be attached
  • Budget rollover

Cons:

  • UI not up to the mark
That’s our list of top 10 homeowner friendly apps. Do use them for an enhanced and easier homeownership. Now why don’t you tell us about your favorite home maintenance apps so that the other users could use them? We look forward to hearing your suggestions. Cheers folks!!



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.




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

Home Warranty Claims

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

Common Causes of Home Warranty Claims Denial

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

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

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

How to Dispute Home Warranty Claim Denials

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

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

 




Home warranty companies take lot of heat from consumers especially on reviews sites like ours. Consumers think home warranty plans provide blanket coverage just like auto insurance. But these are different kinds of insurance products. Chances of your appliances needing repair are much more than your car getting involved in a road accident, although premium you pay is about the same. So, obviously insurance companies have to make some profit to stay alive and that is why there are small print clauses that exclude certain conditions. Not many people will read the contract and will be surprised when their claims are rejected. As pointed out by Mr. Lehmann below, positive experiences are less likely to be talked about and many reviews here on this site are overly negative.

HSA

The president and CEO of HSA Home Warranty has responded to the criticism and negative reviews on this site. We appreciate home warranty companies coming out and explaining the facts. We also think they need to ensure home owners understand the product terms before signing the contract. Homeowners warranty is one of those products that needs little bit of consumer education.
Here is the complete response –

I feel that I have to respond to the comments that I read on this blog. I have been the president of this company for 25 years. It disturbs me to read these comments when I know that we work so diligently to deliver the best service that we possibly can. Unfortunately, the individuals who post their opinions are overwhelmingly those that feel that they were treated unfairly. I think that some statistics might be helpful to those individuals who read this site. We have 100 opinions posted on this site. Of those, approximately 25 are people who had a good experience and wish to share it. All others express negative comments. This is out of almost 85,000 people who filed claims with us last year. So you are hearing from far less than 1% of our claimants on this site. What you don’t hear is from the 85% plus who had claims and were very satisfied.

Furthermore, over 40% of our business comes from renewal customers who thought highly enough of our product and service to renew their warranty coverage. In other words a huge majority of our customers are very satisfied with their coverage and keep their warranty coverage with us for a long period of time.

While I applaud the high satisfaction rates of some of our competitors, you might notice that they do not have very many opinions registered. That is possibly because they only conduct business in a single community or state. The national companies, like HSA, have a more challenging situation in that they cover the entire country from Fargo, ND, to Abilene, TX to Philadelphia, PA to Orlando Florida. It is a tremendous challenge to form a network of vendors that covers the entire country. With this challenge comes some variance in the quality of service contractors performing the repairs. We do our best, every day, to bring on high quality service people. However, the alternative is no warranty protection if your community is smaller, more rural, or difficult to access.

There are those who complain that they had to wait several days in high heat or extreme cold to have their furnace or air conditioner repaired or replaced. If you look in your yellow pages you may notice that there are a finite number of companies who do this work. When there is a heat spike or a heavy freeze they are under tremendous pressure to accomplish all of the repairs. Whether you have a home warranty or not, it is likely that you will have to wait to get your repair work done. In fact, we believe that we do get repair people to you faster than if you did not have a warranty, because we send these companies a lot of business and have service contracts in place to establish high expectations with our service people.

Further, if you need a rare part or a new unit, we might be able to get them faster than the local company because we often buy directly from the manufacturer. Still there are only so many service companies and it takes time to get to you when there are weather extremes in your area. We also have a service guaranty in our contract that ensures we will respond to your service request in a timely manner or we will let you contact a vendor outside of our network to ensure fast service. Our people do their very best to bring you the fastest service possible. It is in our best interest to have satisfied customers.

Our CSR’s are monitored and trained on a daily basis. All telephone calls are recorded. We review these for quality assurance purposes and if there is a complaint about “rudeness” we listen to the call and review it with the CSR. As we review these we frequently find that the “rudeness” may have occurred after a customer became irate, abusive or profane with the CSR. We do instruct them to end the call if they are subject to extremely abusive language or profanity. The CSR’s are nearly always friendly, courteous and helpful. If not, they are retrained. If that is unsuccessful, further corrective action is taken up to and including termination.

With this response I pledge that all complaints about our service surfaced on this site will be fully reviewed to be sure the proper claim decision was made. While there are times when customers are upset that our contract terms do not allow us to cover every claim, I am confident that we stand by our service experience and address problems as they arise.

Some customers complain about being non-renewed after a claim. On average, we pay 1.1 claims per contract. That’s our business. We pay claims and provide service to people. However, you may have seen allusions to receiving $10,000 in claims. Obviously we cannot pay that kind of money out on every warranty. These individuals usually have eight to twenty claims. If we did renew this type of property, the cost of the warranty would be raised very high for everyone else and make the product less available to consumers who need the budget protection our warranty provides. We also will non-renew for persistent abusive or profane language and for behavior we consider unethical. Just as you have the choice of warranty providers, we have the ability to choose not to do business with individuals who exhibit this type of behavior.

Some complaints are about hold times. We continually strive to improve our hold times. In these economic times longer hold times are a problem. You may have experienced them with airlines, banks, credit card companies, insurance companies, etc. We are actually pleased that we have been able to keep the standards that we have and even improve our hold times in several target areas. We have not moved to a foreign call center or outsourced our call center operation. All of your calls are answered here in the United States by HSA employees trained in the values of our organization. They take tremendous pride in providing you industry leading customer service.

I wrote this letter because I could not tolerate without response the people who call us thieves, liars and con men. We work very hard to deliver the best service and coverage that we can with integrity and fairness, and have done so for 25 years. We judge our success by the number of people who renew their warranty coverage with us year after year. These are the more than 85 percent of our customers who file a legitimate service request and receive fair and prompt service. If that were not true we could not keep our customers.
Robert Lehmann – CEO & President of HSA Home Warranty




Hello there! You have landed at the right place if you want to find out as much as you can about Home Warranties. Let’s not tarry, we’ll tell you all that you need to know about Home Warranty or Appliance Warranty.

About Home Warranty

Home Warranty sounds like a great way to protect yourself from financial strains incurred during repairs and replacements of your household appliances.  You have to understand that Home Warranty is not the same as Homeowner’s Insurance nor does it replace a Homeowner’s Insurance. There are a lot of things you need to consider before you purchase Appliance Warranty.

Understanding Home Warranty

Appliance Warranty is a kind of insurance that you purchase for covering the major appliances and systems in your home. It is a contract between the homeowner and the insurance company stating that it agrees to provide discounted repairs and replacements for insured devices, provided certain conditions are true.

The Homeowner’s Insurance covers damages caused due to crimes, natural hazards and water damage also to some extent. Whereas the Appliance Warranty Insurance covers damages that are caused due to regular wear and tear. Almost all your major appliances and systems are covered. You can purchase additional coverage if you wish.

Now let’s move on to the specifics.

Coverage

Here’s the list of components that are commonly covered in standard plans. This is only a basic idea, you will have to read your contract to find out exact details about coverage.

Air conditioning Plumbing stoppages Telephone system
Telephone wiring Plumbing system Electrical system
Attic and exhaust fans Sump pump Instant Hot Water dispenser
Refrigerator. Toilets Built-in-trash compactor
Central heating system Hot water pump Built-in-dishwasher
Heating and duct work Bathroom whirlpool motor pump Cooktops
Built-in-microwave Water heater Doorbells
Smoke detectors Ceiling fans Garbage disposal
Range hood Oven Humidifier

Here’s another list that tells you about the components that are usually omitted from basic coverage. However, as mentioned before you can always purchase additional coverage.

Faucet repairs Spa or pools Hot tubs
Hauling away debris Hauling away old devices Outdoor sprinklers
Outdoor water systems Combo ceiling fans Second Air conditioner
Second freezer/ fridge Food spoilage Ice maker & wine cooler
Well pump Central vacuum Limited roof leak
Septic system Septic tank pumping Standalone freezer
Home entertainment Office package Central AC unit
Washing machine. Heating system Additional spa

Benefits

The advantages of purchasing a Home Warranty insurance are many. If your appliances are fairly old (over 4 years) the chances are that you may reap many benefits from an Appliance Warranty plan.

The prominent advantages are as follows

  • Protects your budget by covering for costs incurred due to repairs and replacements.
  • It saves you the effort of looking for an experienced and trustworthy contractor to repair your broken device.
  • When you inform the Insurance company about the malfunction, they will send a qualified technician to your doorstep.
  • If the issue is minor, the technician shall fix it right away.
  • If parts need to be replaced, the Insurance company shall place the order and procure them for you. You may not have to pay for this.
  • Depending on your coverage, your device will be replaced with a brand new one if the technician declares that your broken device cannot be fixed.
  • Covers damages caused due to regular wear and tear.
  • Increases value of your property during sale.
  • Provides on-going home protection. Your plan can be renewed each year.
  • Provides you a stress free life by giving you guarantee that if a household appliance crashes, your budget will not have to suffer much.

Costs

Appliance warranty plans costs around a few hundred dollars per year. They are not that expensive unless you are looking for a plan that has extensive coverage. These are the things that you will have to pay for.

Annual premium

It is often between $400 – $1000. This can vary depending upon the coverage you choose.

Variations

The cost of premium does not vary depending on the age of the house unless it is a brand new one.  Also, unless the area of the property is above 5000 square feet, the premium will not vary much.

Deductible

In addition to the premium, you will be expected to pay a service charge often called as the Deductible, each time you raise an issue. The amount for this is usually around $50.

Technicians fee

A technician shall be sent over to your house to evaluate and repair the damages. The fee for the technician must be paid by you as well. In certain cases, more than one technician may have to inspect your device, in that case you may have to pay separate fee for each contractor. You will have to pay the Technicians fee irrespective of whether the repair was performed or not.

How does it work?

The working is very simple. Every time you approach the Insurance company with a service request, they will take down details and request you to pay the deductible. These Insurance companies often maintain business ties with vendors/contractors in the appliance repair industry. So when you request for a service, the Insurance company in turn calls up a contractor and places your request with him. The contractor then calls you up to fix an appointment and later comes to your home.

Once he arrives, he will examine your damaged device and fix the issues if they are minor. If major repairs are needed, the Technician informs the insurance company and requests approval. If they are approved, the technician will perform them and fix your appliance.

In certain cases, appliances may need replacement of individual parts. If this happens the insurance company will procure them for you and send it along with a technician to fix the device. In certain other cases, the technician may declare that your device cannot be repaired. The insurance company will then replace your broken device with a brand new one. This feature depends on the Insurance plan you purchased.

Things to keep in mind

As much as it looks appealing, it is not a perfect arrangement. Home Warranties do have a few drawbacks although they can be resolved.

  1. The warranty company will always try to repair and not replace your damaged appliance.
  2. Appliances that crash due to lack of maintenance are not covered. Pre-existing conditions are also not covered.
  3. You will still have to pay a service call fee per repair incident, even if the Tech could not repair the appliance. Also, you cannot raise multiple issues in a single claim. If at all you do so, you will have to pay separate deductibles for each issue.
  4. Claims are sometimes denied on unclear grounds and also by quoting fine print from the contract which is usually overlooked by the customers.
  5. It is not suited if your appliances are new and in fairly good condition. If you won’t need frequent repairs, this may seem like a waste of money.

Get the best out of Home Warranty

This is easier than you think. All you have to do is ensure that you do the following.

  • Read the policy booklet and Insurance contract thoroughly. Do not ignore content written in small font sizes either. You can have someone look at it if you wish.
  • Choose companies that comes with excellent recommendations. There are quite a few companies out there that are not very reputed. Make sure that the company you pick has a good and clean record.
  • Get you major appliances serviced once a year. This will ensure that you don’t have to spend lots of money later on repairs. Lack of maintenance causes several issues and such issues are not covered by Appliance warranty.
  • To be on the safer side, check with the records of the Better Business Bureau (BBB) to ensure that the company you are considering does not have a bad history.
  • Check the cancellation and renewal clauses. Some companies do not allow termination of contract before a certain period of time. This could be slightly annoying in some cases.
  • If you have a contractor that you trust, speak with him to know if he has tie-ups with any Home Warranty Companies so that you may continue to avail his services.
  • If you ever find yourself unsatisfied with the service you are getting, do not keep that to yourself. You must spread the word through the internet and various social media. You can also retaliate by posting comments and reviews through websites like ours. www.homewarrantyreviews.com

Home warranties are a great way to insure your household appliances. They often prove to be highly helpful in protecting the budget when an appliance breaks down. If your appliances are over four years old, it is suggested that you purchase an appliance warranty plan. It is also suggested that you get your home inspected before you purchase Appliance Warranty.




Home Warranty Hidden CostsWhen is the homeowner supposed to buy home warranty? A home warranty is not a plan that can be purchased and used for the life of a home, but it is a warranty coverage for home appliances. It is procured before the sale of a home and acts as insurance for the new homeowner. Selling a home can be much easier if there is a home warranty drawn in. Shopping for a new home is a pricey endeavor.

People accept loans to purchase real estate, not wanting or expecting to spend extra on repairs for systems, appliances and things such as roofing. These hidden costs usually leave new homeowners in complex positions. A home warranty protects the new homeowner against these unexpected problems. Sometimes issues with different household features such as appliances come up in the closing days of a real estate contract. This can make a closing tricky and cost the original owner large sums of money they had not intended on spending. These issues might also convince the potential buyer to pull out of the deal, resulting in a failed transaction. The seller must then perform the necessary repairs before putting their home back on the market. A home warranty can only be implemented to working appliances and systems. The age of the item is not taken into consideration as long as it is in working order.

Prior to Purchase

Retailers, installers and manufacturers may provide separate warranties, each of which covers a different part of the home. Inquire for copies to take home and contrast against other packages from other retailers. Ensure that you get a copy of the complete warranty, not only a summary brochure. Glance at the combined terms of all the warranties that cover a home. All new homes must have a warranty but old or used homes may not, or may have a limited warranty. Be cautious of homes sold with no warranty – there may be several hidden problems with the home.

What is and not covered before purchasing any home warranty

  • How long does the warranty last? For existing homes, warranties last about a year after which you can renew them. For newly built homes sold by the builder, the warranty provided by the builder can last for as long as 10 years, but incorporates shorter coverage terms for certain systems and materials. For instance, the doors, trim and drywall may be covered for the few years of the warranty term, while major damage or structural defects to load bearing portions of home are covered for quite a few years longer, as long as it meets the severity of defect stated by the warranty coverage. Again, make sure to read the fine print.
  • What is covered and what is barred? Warranties usually disclaim responsibility for consumer abuse, normal wear and tear, neglect of maintenance, and site preparation. Many exclude “cosmetic” items and some exclude important items such as wall cracks and leaky faucets, and doors and windows. Used homes typically have extremely limited warranties. To learn more, check out What is not Covered by Home Warranty article
  • What can cancel the warranty? Sometimes moving or selling the home together with improper site preparation can void the warranty. Does the home need regular maintenance to keep the warranty in force? If yes, what kind of maintenance?
  • Are appliances covered by a separate warranty? Whom do you contact for service? Who performs the warranty work? How does the retailer, manufacturer, and installer split job? Whom do you contact first? It is recommended to purchase directly from a manufacturer, but it is not possible in all states due to licensing laws.
  • Be wary of “extended warranties.” These are often little more than high-priced insurance products issued by 3rd party companies. Terms of the extended warranties may be dissimilar than the original warranty, so assess them as closely. If you are financing the extended warranty, then interest costs should be considered as one of the factors.
  • Arbitration Clauses: These contract terms restricting your right to take legal action are more common in manufactured homes than conventional buildings. You must ask whether any of manufacturers, retailers or the finance companies uses mandatory arbitration clauses in their contracts. What does it cost file a claim? Will they sell you the home warranty without the clause, or with the clause changed to your satisfaction? Request to see the argument while shopping.
  • Quality of Service: Check whether the retailer has references from previous customers. Verify with more than one, possibly people who have been in their homes long enough to endure the excellence of warranty service. You can also check the history of the manufacturer, retailer and installer. Many states want retailers to be licensed.

After the Purchase of Home Warranty

  • For new homes sold by builders, store all documents pertaining to the sale of your home, in addition to any correspondence with the retailer, manufacturers and state or federal agencies. Evaluate the homeowner’s guidelines and other information found in the homeowner’s manual that your retailer gives you upon receiving your new home. This manual is needed by the Federal law. There must be facts on how to deal with warranty issues, as well as maintenance necessities that may need to be pursued to keep your warranty valid.
  • Maintain credentials of maintenance performed on the home.

Small Print Clauses and Hidden Costs of Home Warranty

  • Waiting period – normally 30 days from the date of purchase of home warranty
  • Claim denials are very common and some of the reasons include negligence and lack of maintenance of appliances. For HVAC units are you supposed to get the annual maintenance performed by a professional. Make sure you keep maintenance records.
  • Trade/Service Call Fee – You are required to pay service call fee per repair incident. The amount is anywhere between 50 to 100 dollars.
  • Repair Over Replacement. Even if an appliance is faltering very often, the service providers tend to repair it rather than replace it as it will cost them less. Due to this tendency of service providers, you have to face the same problem repeatedly, without having much control over it as you are tied down by spending in the plan.
  • Max Limit – Some companies will set the ceiling on maximum amount on repair expenses they incur. Make sure you understand these limitations.
  • As you near the end of your warranty period, cautiously examine the home for signs of problems.

As a consumer, identify what is and is not covered before purchasing any home warranty. Ensure the details are clarified in any contract before you sign it.

None of these aspects should deter a buyer from purchasing a warranty that meets his or her needs but it takes a fair amount of due meticulousness to identify all the hidden costs in buying a home regardless of whether it is new or used.




First American offers financial services through its Title Insurance and Services segment and its Specialty Insurance segment. The First American Family of Companies’ fundamental business lines includes title insurance and closing/settlement services, home warranty products, title and other real property records and images, title plant management services, valuation products and services, banking and investment advisory services, and property and casualty insurance.

first american

The California-based company serves homebuyers and sellers, loan originators and servicers, real estate experts, commercial property pros, home builders, and others involved in residential and commercial property dealings with products and services specific to their requirements. With experience dating back to 1889, the company provides its services and products through direct operations and a network of competent agents across the United States as well as worldwide. In 2015, First American achieved revenues of $5.2 billion and was also acknowledged in 2016 by Fortune® magazine as one of the 100 top companies to work for in America.

First American Sets Itself For The Future

First American has announced the acquisition of a New Jersey-based RedVision Systems, Inc., the biggest national provider of the title and real property research. RedVision applies data, technology, and managed services solutions to transform the procurement and processing of title information. The firm is renowned across the industry for its state-of-the-art, proprietary NOVA® and  TitleVision2 technologies and the cascade of best-practice standardized Redi® products – ExamRedi®, SearchRedi®, ClearingRedi®, and CurativeRedi® to empower clients with SLA attainment, transaction cost savings, compliance and risk management. RedVision has been successfully examined against SOC 2 standards, named on HousingWire’s TECH100™, chosen as an American Land Title Association (ALTA) Elite Provider, and repetitively listed as one of the rapid-growing companies by Inc. The organization has delivered over 7.5 million title reports to 1600+ client organizations, comprising title underwriters, financial institutions, national agents, settlement service providers, local agents, attorneys, lenders, and foreclosure/default processing organizations.

“We’re excited to soon welcome RedVision to the First American family of companies. RedVision’s data, technology, and services complement First American’s existing title search and title evidence production and will further expand First American’s industry-leading position in title and property data,” said George Livermore, executive vice president of First American’s Data and Mortgage Solutions division, which will include RedVision. “RedVision’s nationwide title production platform, coupled with First American’s title and property data, and billions of recorded documents, will offer our customers unmatched quality, coverage, and operational flexibility.”

RedVision Welcomes The Change

The possession will let First American’s Data Trace group to leverage RedVision data to build extra title plants efficiently and rapidly. RedVision will become part of First American’s Data and Mortgage Solutions division and will function as a business unit under its management team, with CEO Brian Twibell continuing to head the business.

“We’re delighted with the opportunity to combine our technology, services and expertise with those of First American, a company known for its integrity, innovation and leadership in the title and settlement services industry. RedVision’s platform, now powered by industry-leading title and property data, will offer title evidence and packaged title reports with enhanced quality, accuracy, and efficiency,” said Twibell.




Most homeowners are quite concerned about maintaining their household appliances in good working condition. Any homeowner worth his salt will admit that it is no easy task. Hence it calls for some expertise in the form of appliance maintenance plans. What confuses homeowners is the fact that there are so many appliance maintenance plans out there and they end up wondering which ones to sign up for!

Here’s an article that’ll help you decide what plans you need to buy to ensure smooth running of your household appliances, while going easy on the pocket too.

HVAC Maintenance Plan

Plumber at Work

There are quite a few things you need to consider before you decide whether or not you need an appliance maintenance plan.

  1. Age of your appliances: If your appliances are 4+ yrs old, you may need a maintenance plan.
  2. Availability of a trusted contractor: If you don’t have a contractor you can rely upon, it is highly recommended that you purchase a home protection plan.
  3. Sufficient funds for frequent repairs and replacements: Repairs and replacements are expensive to get done. Makes more sense to buy protections plans, right?
  4. Time and skill for DIY repairs: Unless you are a contractor yourself, it is advised that you seek professional help in case an appliance crashes.

In short, folks who have old appliances, lack DIY repair skills and sufficient money and do not have a trusted contractor should purchase some form of protection for their household appliances.

What plan do I purchase?

Let’s make this easier for you. An HVAC maintenance plan covers only heating, ventilation and cooling units. A basic home warranty plan covers all the major systems and appliances in the home which includes HVAC units and other appliances too. In simple terms, the coverage is often more for home warranty contracts.

Let’s take a look at some of the common advantages

  1. Budget protection
  2. Service from qualified and skilled professionals
  3. Increases value of property at the time of sale
  4. Peace of mind.

Now let’s take a look at the advantages separately

Advantage of HVAC maintenance plans:

  • Often includes annual/ half-yearly maintenance routines.
  • Discount on labor and parts
  • May help lower electricity bills

Advantages of Home Warranty plans:

  • Wider coverage. Protects more than just HVAC units. Coverage can be extended as per homeowner’s wish
  • Covers damage that occurs due to regular wear and tear and sometimes even due to lack of maintenance. This does not apply to HVAC maintenance plans.
  • Affordable and transferrable
  • Increases the value of property at the time of sale

Who needs an HVAC maintenance plan?

  • Homeowners who have no time for repairing and maintaining their HVAC units themselves
  • People who don’t have the budget to carry out regular maintenance routines
  • People whose other appliances and systems are reasonably new and well-maintained
  • Folks who require budget protection

The U.S Dept. of Energy advises having your HVAC systems checked at least twice a year. This could be expensive for some.

Who needs a Home Warranty?

Homeowners whose homes are aged should definitely think about purchasing a home warranty plan. It covers more than just your HVAC units. Ideally, following are the types of homeowners who need a home service contract:

  • Homeowners whose homes and the components in it are 4+ yrs old
  • People who lack time and skill for DIY repairs
  • People who lack sufficient funds for costly repairs and replacement services
  • Folks who are first time homeowners

Still undecided?

Although most home warranty plans include coverage for HVAC units, the services are not as extensive as provided by an HVAC plan built specifically with heating and cooling needs in mind. If you feel that you are okay with basic coverage, then it would make more sense to go for a home warranty as your other appliances get protection too. Another option (safer one) is to buy a home warranty plan that covers on general household appliances and electrical systems and then to top it up with an HVAC plan. It may cost a little more than just a single plan, but it will be useful in the long run.

Yet another vital thing to do is to get your HVAC appliances get checked by a professional at least once a year. Regular maintenance checks are often helpful in diagnosing problems at an early state. Hence, no matter what the age or the make is, annual maintenance checks are a must for every HVAC appliance/system.

You can also read about Home Maintenance Tips on our website. We host several articles that explain the maintenance regimes for various household appliances and systems.

Remember, no matter how much thought you give into deciding a plan, if you don’t take the same effort for picking a reputable company, it may disappoint you. Always, we repeat, always select a trusted warranty provider and do sufficient research before you sign the contract. You can visit websites like ours, HomeWarrantyReviews.com, to see reviews and ratings about various warranty providers. Our website provide readers with reviews from genuine customers who are more than willing to share their experiences with others.




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

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

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

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

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

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

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

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

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

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

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




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

Types of Warranties

Home Warranty

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

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

Manufacturer’s Warranty

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

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

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

Seller’s Warranty

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

Extended Warranty

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

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

Home Service Contracts

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

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

Make sure you know and understand:

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

Asking the right questions BEFORE PURCHASING will prevent unwelcome surprises.




HVAC Maintenance Checklist

 

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

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

Monthly maintenance routine

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

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

Annual maintenance routine

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

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

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

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

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

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

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

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

Top tips for Structural Warranty for Newly constructed homes

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

What is Structural Warranty?

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

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

Is Structural Warranty Necessary for me as a Buyer?

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

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

The Builder’s Perspective

Settling Terms of the Deal

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

A Middleman

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

Value of the Home

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

How Structural Warranty Works

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

What Structural Warranty Covers

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

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

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

The basic coverage usually covers the following:

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

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

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

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

The Cost

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

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

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If you’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!