Home Warranty Scams – What Do You Need to Know?

Are there scams in the home warranty industry?

When you look at the words most often used in emotional complaints about home warranty companies you may find that “scam” is a very common term. But if you look very closely at the home warranty industry it’s hard to find evidence of a scam rooted in the established home warranty companies.

Home Warranty Scams

Though homeowners are not always happy with the speed or manner of the response to their claims it takes more than just complaints to make a true scam. So are there no scams in the home warranty industry? My personal opinion is that there are plenty of scams and if you look back you’ll find plenty more in the past. Does that make the home warranty industry unique? I definitely don’t believe so. Auto insurance, health insurance, home building, government, religion – you name it, there have been scandals and grounds to throw words like scam around. A home warranty is not unique in that it has unhappy customers. Show me an industry without unhappy customers and I’ll be the first to change careers. But like I mentioned before, home warranty customers have been victimized and are probably being victimized even today.

Spotting the scams and the companies that are not operating with the best interests of their customers in mind is the very first priority. This is where homeowners and legitimate home warranty companies can work together. Real estate agents, home repair contractors, home inspectors, and many other professional and customer advocacy groups can also help to point out the signs that home warranty companies are not doing what is right for their customers.

How do you spot home warranty companies that may be scamming customers?

How can homeowners identify home warranty companies that are likely to be scams or just not be doing what is right in terms of their commitments to customers? There are a few basic approaches to getting a good read on a home warranty company and all of them involve some time spent doing homework. What this comes down to really is customers taking their time and not making impulse purchases of home warranty contracts. And during that period of finding out about a home warranty company here are some things homeowners would be wise to look out for:

  • Is the home warranty company well established? This one is important. Many home warranty companies that fail to take care of their commitments due to greed or negligent management practices still cannot be labeled scams. But like the companies that are intentionally misleading customers, the ones that do a bad job with customer service or mismanage the company’s assets tend to wind up being fly-by-night companies. If a company hasn’t been around long then homeowners should be extra cautious.
  • Are people you know talking about the company? If you ask everyone you know about a home warranty company and nobody can tell you a thing about them then, again extra caution is wise. Keep in mind that hearing about other people you know signing up for a home warranty doesn’t necessarily mean a company will be good to deal with as a customer. Until you file a claim you don’t really know what you’ve gotten yourself into.
  • Do your state government’s insurance regulatory authorities or other public offices know anything about the home warranty company? Some states have rules for home warranty companies while others do not. If you live in a state that has no regulations, licensing requirements, or other rules for home warranty companies then you should tread very carefully. If you choose a home warranty company that fails to deliver on its promises your state may have little or no recourse available for you. If your state licenses or otherwise sets limits on home warranty companies don’t sign or buy anything until you know where the home warranty company stands with your state’s regulatory entity. And ask about complaints. Some officials can tell you if there have been complaints filed with their office or other offices against the home warranty company you are inquiring about.
  • Find out more about the company in terms of physical location and ownership. As mentioned earlier in this article, there are sometimes signals that a home warranty company isn’t legitimate. The harder it is to find out about the ownership and location of a company the more cautious a homeowner should be about doing business with it.

What sorts of home warranty scams should you watch out for?

It’s difficult to predict what sort of stunt criminals will pull tomorrow but in terms of what scams I’ve heard of up to now, here are a few. The names may be funny but the financial losses and wasted time on the parts of the jilted customers are nothing to smile about.

“The Emperor’s New Clothes”

This one involves a company that isn’t a company at all. It has none of the financial depth that is required to cover the costs of handling repairs and replacements when home warranty customers file claims. In fact, these companies rarely have a real office and follow the same pattern almost every time. They deny all the claims they can, approve the ones they can’t but then don’t pay anyone for the work performed, and then when frustrated customers cancel they promise refunds which they also fail to pay.

“The Ponzi Scheme”

These companies oftentimes pay their contractors and approve returns but do so in such a way as to gradually put the company further and further behind on various debts. While they do this they use positive customer reviews to attract more customers and also spend a great deal on advertising in some cases. By the time they become fat with customers and reach their peak they’ve already bankrupted the company through poor management. The customers who are holding new home warranty contracts the day the company finally sneaks out its back doors and turns off the phones are the ones who get hit the hardest. Sometimes this type of scam leaves a long-term trail of customers who don’t find out their contract is worthless until they attempt to contact their home warranty company’s customer service center. This grab-the-cash-and-dash routine has burned many, many homeowners over the years.

“The Disguise”

Some people who found bad home warranty companies get away with their misdeeds or only receive a slap on the hand that holds the checkbook. They then go on to start other home warranty companies using new company names and sometimes using different people as the officers or owners of the company. By disguising themselves they evade the public scrutiny that would otherwise stop their scams cold. Homeowners caught up in the web of these characters can count on denied claims, shoddy work, unpaid contractors pursuing the homeowner for debts the home warranty company owes payment for, and many other unpleasant circumstances.

What can homeowners do if they suspect they are dealing with a fraud that is posing as a home warranty company?

For the sake of other consumers, friends, and the home warranty industry where companies work diligently to satisfy their customers, any homeowner who feels that a claim was handled unfairly or that there are signs of misconduct on the part of their home warranty company should not remain silent. All too often home warranty companies give the overall industry a bad name with their poor handling of claims, contractor relations, or other important areas of their businesses. And in the case of true scams, more often than not, the people behind the scams only get away with what they do because it takes so long for anyone in a position to stop them from realizing what is happening. As consumers realize their options to use government offices, social media, and word of mouth to sound the alarm about bad home warranty companies it will become more and more difficult for new scams to find victims.


This is a guest article written by Kevin Wallach. As owner and writer at CompareHomeWarrantyQuotes.com  Kevin spend a great deal of time collecting information to help his readers better understand home warranty plans. Though home warranty is not the most popular topic online, it does mean a lot to homeowners who need help with questions about it.






Maintenance has never been about just appearance and aesthetics – more than anything, it is vital to maintaining your home and its appliances for safety. From electrocution to sparks, and short circuits to full blown fires, faulty electrical wiring can be extremely dangerous and must be dealt with caution and professional expertise.

What To Look Out For In Your Electrical Wiring System

Wondering how you know when to check your electrical wiring systems? Besides the fact that a routine check of all your sockets and circuits is recommended at least once a year, there are a few signs to look out for when it comes to possible electrical damage

Electrical wiring maintenance tips

  1.   The presence of live current in switch boards and sockets, however mild they might be, can be a sign that your wiring has been exposed to water or is not getting earthed right. If a switch in the washroom or kitchen gives you even a tiny shock when you turn it on and off, chances are that there is an issue.
  1.   Notice frequent dips in voltage, flickering lights once in awhile or bulbs fusing more often than they should? Definitely a sign of internal electrical wiring damage.
  1.   Appliances can get damaged by short circuiting, but there are times when the only sign of the fluctuation or short circuit is through the appliance malfunctioning itself. If your plug sparks when it is in the socket or an adapter heats up and doesn’t work even though the voltage is appropriate, then there could be a problem with the electrical outlet.
  1.   Each circuit board has a specific limit to the load it can take, but within that limit, the appliances connected to it should function perfectly. If the turning on of the dishwasher or air conditioner causes lights to dip, the circuit may be damaged and unable to take the load.
  1.   Besides visible signs, make sure that you keep an eye out for open wiring being chewed by rats or raccoons in the attic, or rainwater accumulating around the circuits in the basement. Even though the impact may not be immediate, any noticeable damage to the wires can lead to serious internal havoc.

The far-reaching effects of faulty wiring bring to mind the much used saying ‘better safe than sorry’. A small investment in a professional, DIY check-ups of your electrical wiring or getting the home warranty for your home can be imperative to keeping you and your loved ones safe. Repairs are costly and maintenance is no doubt an easier way to prevent future problems, so we bring to you seven simple tips to keep track off and maintain your entire electrical wiring system.

Routine Testing

Mark your calendars and keep a monthly check on your electrical outlets, you can do this by yourself and won’t need any assistance. The testers are inexpensive – you can find them at any home hardware store. A three-prong plug, the tester will have indicator lights on each prong. As you plug the tester into each outlet, the lights indicate any problems with the individual outlet. The earlier you know the problem the easier it is to get it solved and the risk of fire or a greater electrical malfunction is avoided.

Out With The Old, InWith The New

Damaged and worn out wiring should be replaced immediately. The process is very simple and you might be able to change the wiring outlets on your own. If the problem seems to be more complicated do not hesitate to call a professional electrical who can perform the work. In fact, if such handy-work isn’t your cup of tea, a home warranty is a simple preemptive measure to rid yourself of unnecessary worry!

Original, Branded, Tested And Certified Electrical Wiring

There are many occasions where it might seem preferable to procure a cheap knock off, but substituting your wiring outlets is not a place to economize. It is ideal to choose parts that are certified by a recognized safety certification institution, as you are rest assured that the product is completely safe and has gone through extensive testing.

Water And Electricity Never Mix

This might seem the most obvious one, but most cases of electrocution are direct results of electrical appliances close to water outlets – kitchens, outdoor sockets, garages, and washrooms especially. Keep appliances as far from the taps and showers, constantly check the wiring in such parts of the house, don’t multitask with things like your hair curler and washing your hands and immediately get outlets tested if the tap or any pipes give you a shock when you touch them.

DIY Isn’t Always The Answer

If the problem seems to persist and is more than your normal wear and tear, it is best to hand over to a professional electrician and in such situations, you should refrain from repairing your own wiring. Large numbers of electrical fires are likely to be caused by faulty repairs. By handing it over to the professional, you become risk-free and it is cost effective in the longer run.

Overloading The Electrical Wiring

To help prevent power outages, make sure there are not too many appliances plugged into one circuit. Overloading is one of the widespread problems of any wiring issue. When you have too many outlets working at once that exceeds your wattage consumption, the components heat up, causing your breakers to trip or spark up. So it is prudent to know which appliances are power hungry.

All’s Well Which Ends Well!

Electrical systems should be maintained well in its entirety – outlets, cords, trip breakers, circuit box, and bulbs amongst other things – and should be replaced if they show signs of malfunction.

Bulbs are especially prone to malfunction, especially when their wattage doesn’t match that of the outlet. Open outlets are dangerous, make sure that such ones are sealed and are untouched by seepage.

Do not disregard the wattage consumption, which is a common problem with bulbs. By putting high wattage consumption bulbs, it would increase your bills and cause the bulb to burn out faster, also causing the base to heat up and in turn risking a fire.  

While you are getting your home checked for faulty wiring, you should also check the wiring outdoors, in the attic and the basement. These are places that you might forget to get checked and unattended, they could cause greater damage.

Home Warranty And Added Benefits

Even with all the steps above, maintaining the entire home’s wiring can be a task – making home warranty a worthy investment, especially during the winter season. Similar to insurance but a lot more specific in nature, Home Warranty takes care of repair and replacement of your appliances and wiring systems, amongst other things.

Repair and maintenance as a task as well as a financial burden can kill the joy of being a homeowner. The responsibilities only pile up, however trivial the task may seem, and keeping track of servicing and fixing is never easy. Taking care of both regular maintenance as well as problem-solving when your electrical system may hit a snag, Home Warranty can be life changing when it comes to the keep up of your home’s electrical wiring and appliances.

In a typical Home Warranty scheme, central air conditioning and heating systems, all appliances however big or small in your kitchen, washer and dryer of both clothes and vessels, entire electrical systems, plumbing systems, leaks, and seepages are covered for all levels of repair and replacement. Nevertheless, it is a good idea for you to do some pre-research before signing the papers!

There are a few simple ways you can get a hang of how Home Warranty works, what it covers, whether or not you need it and what plan will suit you best. Besides asking for recommendations from friends and family, reading up on consumer research based websites can give you not only a clear understanding of what you are getting into, but also substantiate the information with honest reviews from consumers.

HomeWarrantyReviews.com is one such site, giving you a comprehensive list of reviews from users across the country – many of which are specific to the laws of each state. The buying and selling of a house and all the laws that go with it are essential to follow when it comes to such procedures, making it tricky if you land up getting into a deal which doesn’t go hand in hand with the policies of the state.

The website also brings you a Home Maintenance Calculator to help you understand the expenditure your home will require in the long run, as well as awards and ratings of different companies, across the country.




Considering that you are on a website devoted to home warranties, you may already know what a home warranty is. It is essentially a service contract that agrees to provide you with  repair/replacement services for appliances or systems in your home. Most homeowners wonder whether annual premiums are put to better use if they are set aside as emergency fund instead of being paid to warranty providers, hoping that they will come to the rescue if a breakdown happens. The question here is, what if the annual premium is paid and no claim is raised in that year? This article will address the question in detail.

Protect Your Budget

Home Warranty & Budget Protection

 

How Does A Home Warranty Work?

A home warranty company maintains a network of technicians and service vendors, who are dispatched to a customer’s house as and when a claim is raised. The customer is often charged only a service call fee and not the entire expense of fixing a damage. Here’s how home warranty benefits the homeowner

  1. The homeowner doesn’t have to step out of the home to look for a contractor.
  2. The damaged appliance(s) does not need to be taken to a repair outlet.
  3. The cost of repairing the damaged device is usually in hundreds if not thousands.
  4. Some damages are irreparable, which would call for a replacement of the entire appliance, costing a lot.
  5. Home warranties are known in many cases, to increase the sales price of a property.

What they fail to recognize is the very real potential that they will spend more than a few years’ home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Don’t you think it’s worth?

How Does Home Warranty Protect Your Budget?

Many homeowners have expressed concerns about the annual premium that is paid for a year in which no claim was made by them. However, what they fail to recognize is the very real potential that they will spend more than a few years’ worth of home warranty premiums when a major appliance or system component breaks down without any service contract coverage. Minus a warranty, an average repair cost would be around $500-$1000 for a typical household appliance. Replacing would definitely cost more, sometimes several years worth of annual premiums.

As you can see, annual premiums seem like a very small fee in comparison with the amount you would have to pay if an appliance breaks down.

Let’s take an example of a typical homeowner, we’ll call him Mr. Bond. Mr. Bond believed that setting aside $400 every year for emergency repairs would make more sense than purchasing a home warranty plan. Three years into this practice, his HVAC unit decided to call quits. Mr. Bond asks around and finds out (to his dismay) that a high end HVAC system would cost around $5,800. He had saved up around $1200 and all of that wouldn’t help him get a new one.

Had the story been different and if Mr. Bond had opted for a home warranty instead, he could’ve had the replacement done at a fraction of the cost.

When Is A Home Warranty Not Advisable?

The only time it doesn’t make sense to opt for a home warranty over saving that money is when your house and the appliances in it are new. As a rule, home warranty is only recommended for folks whose house and its contents are over four years old. If you belong to this category, then the chances of your appliances or systems breaking down are low. So paying annual premium to a home warranty provider may not make sense, especially when many of the appliances at your house are still under warranty.

The Final Word

If you meet any of the conditions mentioned below, buying a home warranty will likely provide you with budget protection and not to mention, feeling of confidence. Here are the parameters-

  • If your house is 4+ years old.
  • If you are not great at DIY repairs.
  • If you cannot afford expensive repairs and replacements at frequent intervals.
  • If you do not have time to do a repair yourself or go around looking for a contractor.

If you meet any one of the above mentioned conditions, you will probably benefit from an appliance warranty. As long as you go with a company that is reputable, you should find yourself with nothing but pleasant outcomes.

If you are still unsure, we suggest that you look into our guide for home warranty buyers. Once you do that, you may want to look at some of the best home warranty companies in the country to get things started. Should you have any concerns, don’t hesitate to holler at us. Cheers!




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

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

Coverage

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

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

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

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

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

Making a claim

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

Things to keep in mind

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

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

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

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

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

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

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

Difference between Home Warranty and Builder’s Warranty

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

Builder’s Warranty

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

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




Green Landscaping is a new trend of sorts and it causes the least harm to our nature so I suggest that you read on. You might already know that Landscaping is essentially the practice of improving the aesthetic appearance of a confined or set area by making use of colors, contours, trees, or plants, you name it. Altering the visible features of an area immensely influences the emotions of the people who constantly occupy that area.

Green landscaping

Over the years, Landscaping has become more than a hobby to many. With the rising amount of pollution and falling levels of energy resources, you may want to consider an alternate way of Landscaping. Why not adopt a method that will not only make your yard stunningly beautiful, but will also help you save the environment and conserve energy too?

That’s what Green Landscaping is all about. Green landscaping, also called as sustainable or eco-landscaping makes use of methods that do not harm the environment in any way. It uses less water, protects the natural vegetation by making use of native or naturalized species, manages the waste disposal efficiently and also optimizes energy usage. And guess what? The costs are much lower too! On the whole it offers healthier and inspirational spaces to people.

People who take up Green Landscaping are often called Green Landscapers, and trust me when I say this, they are not lazy, jobless people who took to Green Landscaping just to kill time. They are highly motivated and they don’t take environmental issues lightly. Green Landscapers treat their designs the way other people would treat Home Insurance, everything must be covered. Based on reading so far, if you genuinely want to start one on your own, do read the rest of the article.

Planning Green Landscape

1. Assess your property

Begin by assessing the site where you plan to start your green landscaping activity. Pay attention to the following:

  • Type of soil– Your soil could be acidic or alkaline. In certain cases soil may contain small amounts of lead, this could be dangerous if your little ones play in it. It is suggested that you get your soil checked. You can call the following number for details – National Lead Information Center at 1-800-424-LEAD
  • Location– Inspect the other details of your site. Determine the amount of sunlight received, mark areas where underground utilities and overhead power supplies are present. Note the shape and size of the property and try to convert that into a map on paper.

2. Research and Plan

  • Brainstorm– Decide what you want your yard to be. It could be a play area, outdoor dining or maybe a bubble to save you from the rest of the world. It’s your choice and it could be anything. However if you plan to start anything that primarily involves plants and vegetation, you should make sure that your site receives ample sunlight. You can also mark the areas that do receive sunlight and use them exclusively for vegetation.
  • Research– If you already have some vegetation there, try to do some research to identify what species they are. It is also suggested that you identify what plants grow in your soil. If you wish to attract a special kind of wildlife, study their behavior and decide what should be put up so that they would flock into your garden.
  • Plan– Once you have gathered all the information, draw up a map and start working on it by breaking it down into manageable parts.

Creating a Green Landscape

The most basic form of Green Landscaping requires minimum effort. All you have to do is reduce the amount of solid waste and conserve water. Eg, you could simply create a compost pile instead of bagging your twigs and leaves.

Don’t see what’s the fun in the idea you just read above? Fair enough, here are some elaborate methods

  • Go green: Since Green Landscaping essentially involves plants ( thats’ a no brainer), make sure you have plenty of them. If there isn’t enough native vegetation, you could plant some after determining the behavior of your soil.
  • Restore drainage conditions: All plants require moisture to thrive well. However excess water may cause them to rot. So it is important that water does not collect at the base of your plants. If you want to incorporate a method that saves water you could try to water your lawn less during summer. You see, grass are programmed in a way that allows them a certain period of dormancy during the summer heat.
  • Promoting soil chemistry and biota: Plants are the keystone species in any garden. What you plant should not contradict the natural ecological profile. If you have your keystone species in place, everything will turn out right.
  • Say no to chemicals: Reduce or better totally avoid the use of chemical fertilizers in your garden. These chemicals tend to pollute the soil, water and air around you. You can always use compost instead. However if you are adamant that you need fertilizers, make sure you use them during fall and spring only. That’s the time it is most beneficial to plants.
  • Reduce emissions: I’ve heard the EPA say that lawn mowers, snow blowers, leaf vacuums and chainsaws are major contributors to the rising pollution. Try to use them as little as possible. You can try shifting to electrically powered tools. This will only reduce pollution as electrical tools also produce emissions. The best way out of this is to use manual tools. It will make sure that no emissions are involved and will also give you some amount of physical exercise. You can cut your gym bills by doing this one.
  • Waste not, Want not: As mentioned before never dispose off your solid plant wastes. They can be the best of fertilizers once they decay. Also avoid throwing around clipped grass and leaves, they can be major sources of water pollution. Recycle your garden pots and flats whenever you can. Try to share large tools with your neighbors. Most importantly save and conserve as much water as you can. Place rain barrels in your yard if you live in a region that receives ample rainfall.

The Bottom-line

 If  I were to write down all the details about green landscaping, I would easily use up an entire hard-disk (of one TB). It is not an easy task, but once you can get into the flow of it, it will be easy and highly rewarding. With the current rate of  fuel consumption, our environment is dying out fast. Nobody wishes to leave behind rotten goods for their children. Do what you can to save nature. Let’s adopt Green Landscaping and make this world a better place to live in.

 




In general home warranty covers up the service on repair and replacement cost on insured home appliances. If a policy covered equipment breakdowns due to wear and tear, an insurance agency pays for its maintenance.

Home Warranty Essential

Planning to sell your house? Then home warranty really adds-on

Houses offered with a comprehensive home warranty plan will obviously sell quicker with a better price than those without. Sounds like a great deal, yes it is and it certainly can be. As a seller you are in a competition with many other sellers in the market with the very similar houses and price range. Offering a home warranty may work as bonus attraction to the buyers.

What is seller’s home warranty?

Seller home warranty insures on certain aspects of a property. While coverage period varies, generally covers for a period of 1 year. The purchaser could then renew the policy at the end of every year. This could be a bargaining tool for the seller.

What covers in the policy?

That differs, basic plan would cover home appliances like refrigerator, washer/dryer, bathtub, plumbing systems, electrical systems, ceiling fans, water heaters and garage door opener. If you want to add-on equipment, then you will have to go for an extra coverage.

How much does it Cost?

So how much does a home warranty cost?  Basically the cost depends on the company you decide, the devices to be covered and the amount of insured time. The basic home warranties are available at about $400 annual premium, with a deductible per repair that ranges from $50 to $80. Home warranty companies sometimes offer special sales, discount policy prices or offer additional coverage for the same price which can be considered as extra benefit. The overall idea is the same; to help save some money and give the buyer quick repairs and thus sellers home warranty, is a good buyer incentive to purchase house.

Is home warranty buyer’s best bet?

Before closing the deal home buyers will give attention on their home warranty. Since the contract can cover on multiple items, it is always better to go through the sample copy of policy before you commit the sale. If you are a first-time buyer then it is a really good idea to get home warranty since you have no experience in maintaining your home equipments.

Who pays for the home warranty insurance?

Now the very next question arises is who pays for Home Protection Plan? Whether the seller or the buyer pays for the policy. It depends, seller normally pay for the coverage since it adds-on seller’s benefit to close the sale and buyer will not disturb the seller if any equipment goes wrong. Buyer could renew the policy in future with add-on equipment with extra coverage if necessary.

How does it Work then?

Although specific plans provide for specific types of coverage, most operate the same way.

  • If a home system or appliance breaks or stops working, the home owner needs to call to the home warranty company.
  • Then the home warranty company calls a provider with which it has a business arrangement.
  • Continuing to it the specific provider calls the home owner to make an appointment.
  • The provider fixes the problem. If an appliance is malfunctioning and cannot be repaired, depending on contract coverage, the home warranty company will pay to replace and install the appliance.
  • In return the home owner pays a small trade service fee (less than $100).

There are several benefits of home warranty. Home protection policy is surely not an added expense but it is a sort of investment for safety. Even if you spend extra expense on this, you can certainly be assured of the long term benefits, since you are already saved from paying the repairs or replacements expenses.

Watch this video to know some research facts on Home Warranty.




Hardwood floors look remarkably stunning and add luxury appeal to your home. Brazilian Cherry, Exotic Acacia, Maple, Classic Oak are popular but you have  a wide variety to choose from. They compliment any kind of decor and keep your home warm in the winter.

Although stone and tile floors are significantly sterile and easy to maintain, they do not have the same warmth and feel as timber floors. Homes with wood flooring never go out of demand and sell faster comparatively.

You have a wide variety to choose from and some eco friendly options as these trees grow back faster.

Types of Flooring

Hardwood Flooring Maintenance
Types of flooring currently available in the market:

Engineered Wood Flooring

This is manufactured using three to nine layers of different wood veneers. Top layer consists of high quality wood and sub layers can be of same or different class.

These floors expand and contract less than solid wood flooring during changes in humidity and temperature, but cannot be sanded and polished as many times compared to the solid wood flooring.

Solid Wood flooring

These are thick and are composed of solid wood from top to bottom. The benefits of this kind of flooring is that it can be easily installed on any kind of surface and can be sanded and refinished umpteen times. Solid wood floors cost you little more than the engineered counterparts. Engineered floors are easy to maintain compared to solid wood floors.

So you have wooden floor? Or planning to get?  Wondering what it takes to clean and maintain them here is a piece of advice to help you.

Cleaning

cleaning floor Cleaning your floor is important and it depends on the environment of your home. If you have kids and pets at home then you need to clean it more often to prevent scratches. Use a vacuum cleaner without a beater bar.

Water is an enemy of hard wood floors. Never put water directly on the floor instead use a damp mop if it is recommended by the professionals who installed your flooring or by the experts at the local hardware store.

Wipe away liquid spills immediately, else they penetrate and damage the flooring.

6 Quick Maintenance Tips

Well maintained flooring can give you comfort and last for decades. Here are some maintenance tips.

  • To minimize the dust and dirt at home, place floor mats at entrance.
  • Never use steam on wooden floors as it can lead to cupping.
  • Fix furniture pads under the legs of tables and chairs to avoid scratches. These pads can be found at any hardware store.
  • Heavy shoes and heels can create dents on the floor. You can leave the footwear outside and use light footwear at home.
  • If you have pets then clean up pet mess immediately and dry the area really good. Keep their food dishes on a mat and keep their nails trimmed.
  • In kitchens and bathrooms where sinks, refrigerators, dishwashers and other water based appliances are located, it is helpful to place area rugs in front of such appliances to prevent water from getting into your floor.

How to repair scratches?

Scratches ,wear and tear in hardwood flooring is a common occurrence. You tried your best to protect your flooring but somehow it did not work, worry not. Here are some quick fixes for those scratches.

Camouflage scratches

To hide minor scratches in wood floors rub wax sticks or markers which suit your floor color, these are great scratch busters because they include stain and urethane, which protects the floor’s finish.

How To Make Homemade Polish?

Mix equal parts olive oil and vinegar, which work together to remove dirt, moisturize, and shine wood. Pour a little directly onto the scratch. Let the polish soak in for 24 hours, and then wipe off. Repeat until the scratch disappears.

Fix The Gaps In Floor

Do you see gaps in between your flooring ? Its a common phenomenon. You can fill the gaps with colored wood putty or if you have some leftover planks, rip a narrow band and glue it into the gap.

If your floors are aged and have undergone wear and tear beyond repair then it’s time to consider replacing them. Well maintained floors can last longer and save you the cost of replacement. Therefore you have a reason to maintain your wooden floors to make them look new. Since home warranty does not cover your flooring, you might want to take extra care. Click here for a list of appliances which are covered in home warranty.




Building insurance is a type of insurance most people don’t know enough about. This is the cover that provides for dealing with storm damage, accidents, malicious damage and a range of other things most people understandably prefer not to think about at all if they can help it. Building insurance is a type of “catchall” insurance, which covers damage to buildings which can run into very heavy costs for owners. So how do i insure a building? Read this article to get clear insight about building insurance.

Insure a Building

Buildings and risk management

This is a very versatile type of insurance, and it needs to be. Building damage can include some extremely difficult, capital-intensive issues that owners have to deal with quite regularly. It’s a form of investment protection, very common in commercial properties, to deal with the risks of businesses. If you own several million dollars worth of building, you need to know you’re properly covered.

The fact is that any type of building ownership includes a lot of basic risk management by definition. If you own rental properties, you’ll be well aware of the possibilities of damage from various sources, and the fact that premises really need to be maintained. Damage has to be fixed, and if that damage isn’t adequately covered, it’s money out of pocket upfront, a loss in any terms unless you have a very good homeowners insurance policy.

That’s not good business practice, and it’s exactly what building insurance is designed to deal with. For homeowners, the issues may be different, but the principle is the same. If you’re paying off a mortgage, and the budget is looking a bit fragile, the last thing you need is building damage running into thousands or tens of thousands of dollars. That whole scenario has to be covered, and covered properly.

Building insurance basics

The best approach to building insurance is to take a long hard look at your needs and then start shopping around for insurance that covers your needs. You’ll probably be surprised to hear that online buildings insurance is quite easy to get, complete with upfront quotes and adjustable cover, which can be tailored to your needs. This is the new paperless insurance, bureaucracy-free to the extent that it’s possible to be, and it’s getting a lot of market share because it’s highly efficient for both private and business purposes.

The shopping around needs to include:

  • Clear understanding of policy values. This is critical. Ask questions, and you’ll get straight answers. The insurers need informed customers, particularly about cover values. Sales and quality are now inseparable in this highly competitive industry, so expect good offers and good information.
  • Clear policy operation values: How a policy is operated, including outlay on premiums and policy variations is often critical, particularly to people having property portfolios to manage. Efficiency pays off in time and value, so go for the best you can get in these areas.
  • No “grey areas”. Best practice in insurance includes Product Disclosure Statements, and these statements are comprehensive. Read them.

Buildings insurance is easy to get and easy to manage. Stay in front of the issues, and your cover will do the rest.




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.

 




Every year, thousands of companies get sued. This is due to a number of reasons such as defective products, poor service, harm that it could cause to you or your properties and others.

Sue a Home WarrantyIn case your home came with miserable surprises like broken mechanical systems, dishwasher, air conditioner or other defects, the financial liability may not be yours alone.

Such problems may come to light days, weeks or years later, leaving you speculating whether you have to shoulder entire financial burden. Indeed in such cases, you may be able to ask the responsible home warranty company to pitch in. Home Warranty Protection Policy is designed to protect you from unforeseen repairs and if something happens to any of the items during the warranty period, the cost should be covered. Ideally, you will be able to resolve matters without filing suit in court. But this article will start by examining whether a lawsuit is possible, so that you can work your way up to one, if need be.

Dealing with a company that proves unreliable in its business practices can be irritating and stressful. If you have bought services or products that include a warranty and the company will not honor the warranty when necessary, a consumer has way out through support from the Better Business Bureau and with the law. Learn whether it is worth suing appliance service companies and protect yourself from dishonorable companies.

How to deal with a Warranty Company for Non Coverage on a Stated Covered Part in a Legal Contract?

Don’t get emotional about the issue. You should file a suit only if you exhaust all other options explained below.

  1. You will have to threaten to report them about filing lawsuit and going to the media. You will actually have to get tough with these people.
  2. Contact State Attorney General: If no response comes, talk to a local attorney with your particular facts.
  3. Contact State Insurance Agency: If your attempts to settle the dispute are ineffective, you should determine whether your case is one that should be handled by a state insurance agency or you want to pursue other alternatives.
  4. Contact BBB: After your complaint is forwarded to the Better Business Bureau, it will be reviewed, and assistance will be provided to help you receive the warranty benefits you were promised.
  5. Small Claims Court: In small claims court, the amount you seek to recover cannot exceed $10,000. In case the seller refuses to honor the warranty, you can file a claim in small claims court only if you are over 18 years old.

How to File a Lawsuit Against Home Warranty?

Suing a Home Warranty CompanyFor filing a lawsuit against home warranty company, you have to first hire a lawyer. Before you spend thousands of dollars over a few hundred bucks in AC repairs, you likely need to read your warranty, and see why the warranty company denied coverage. You must find out the basis of denial. Have them send you the reason for denial in writing along with a copy of your policy. In case the denial is legit – it’s a waste of time to file a suit because you would lose.

If you still want to file a lawsuit, you have two options.

  1. Go to your local magistrate court and file there. That’s “small claims” or People’s Court where you don’t need an attorney but have to represent yourself.
  2. If you are looking for more than the maximum amount allowed by small claims court you will need to hire an attorney. Get the policy and the letter from the insurance company with you. In case you find that no attorney will take your case then that’s a sign you don’t have a case.

If you actually read your policy you will see what your options are. Suing is not the option. If it isn’t covered, it isn’t covered!




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

Contractor looking for job

Why Work With A Home Warranty Company?

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

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

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

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

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

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

How To Work With A Home Warranty Company?

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

Some of these leading Home Warranty Companies include,

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

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

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


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

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

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

What To Remember Before Becoming A Service Contractor?

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

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

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

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

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

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

Recommended Articles




How a home warranty benefits for aged? You might ask! Visualize this scenario: In your later part of life, when all the burdens have been released, you decide to finally live in peace. Enjoying all the luxuries of life, you decide to have a cup of coffee with the morning newspaper. And right at that time, you notice your ceiling fan is not working leaving you to sweat out all your calmness. You are now sitting there, brooding over the broken fan.

It is at this time, the role of Home Warranty comes into play and you can comprehend the home warranty benefits for aged.

Home Warranty Reviews and home warranty benefits for the Aged

Home Warranty aids you by taking up your responsibilities of such broken appliances and types of machinery. American Home Warranty  Companies provide you with the service contract of repairing or replacing the damaged appliances. Thus, the elderly at home need not fret about any appliance that has gone old. Now that’s a home warranty benefit for aged if you ask us!

Why Home Warranty For The Aged?

The Physical Inability of Aged

There are a lot of incapabilities that comes along with old age. Elderly folks do not have the energy to go out every time when an errand has to be done. Thus, an intervention into the lives of the aged, in the form of a home service contract can make a lot of differences in their lifestyle. Home Warranty or Home Service Contract helps them immensely this way by interceding to help them out. The elderly have to just dial the number of their preferred Home Warranty company.

When a repair has to be done, the Home Warranty company will send a technician to their home for repair. The incapacity to go out and search for a technician is a serious problem. With Home Warranty, the elderly would not have any such unwanted physical stress.

After thoroughly checking the Top Rated companies on the HomeWarrantyReviews.com, evaluate the companies that offer maximum benefits and get a quote. The problem is sorted. Thus, turning the negative of old age to a positive of peace of mind garnered by the home warranty benefits for aged!

Trustworthiness In The Technician

By sending an authorized technician from the Home Warranty company, the vulnerability of being tricked on repairs is avoided. It is often a serious affair to find a trustworthy technician who knows what is to be done and how it can be done with minimum cost.

An efficient technician is one of the home warranty benefits for aged, who are not aware of the technicalities of appliances and can be easily fallen into the pit of deception. The elderly at home can pick up the phone and the companies are just a call away. And moreover, as an icing on the cake, the repair contractors provide the aged customers with necessary insight for further maintenance, which is such a relief to understand the proceedings.

Financial Capacity

After retirement, the income of the elderly decreases relatively. Keeping that in mind, if any major repair or maintenance has to be done, a huge chunk of money is spent on a single appliance itself. This adds to the insecurity of the elderly. To avoid such bulky expenditure, home warranty provides with the option of repair contracts with lesser spending.

Even with a standard Home Warranty Plan ranging from $200 to $600, most of the appliances are covered. After every issue is raised, a mandatory deduction of $50-$100 is done. Some companies even provide with Zero Deductible Services. Hence, Home Warranty assures a sheltered old age.

Home Warranty For A Tension Free Old Age

Here’s a thing for the children who are either working/living away from your Aged parents. A peaceful life is all that the elderly look forward to. Who would expect a heater break down in the cold American winter when your parents are all by themselves? A situation of helplessness arises. It would be an unpleasant state for you to see them suffer. Therefore think afar and get a Home Warranty quote for your aged parents.

Home Warranty covers the repair works of the appliances at home to avoid any kind of panic at old age. All you need to do is go to our website and read some of the home warranty guides completely. Decide on which warranty provider you are going to opt for after going through the Reviews.

On another note, your warranty provider may sometimes deny covering your claim due to various reasons. Unless there is a valid reason, no claims are denied.

Meanwhile, for the convenience of elderly, HomeWarrantyReviews.com provides you with the option of estimating your Home Warranty costs with the Home Maintenance Calculator. Thoroughly assess it and come to a conclusion. Choose the wise way to be protected. Then sit back and relax! Enjoy the perks of being old! With a lot of free time and favorite things to do, but never have to sweat when the Air Conditioner breaks. Because all you need to do is make a call to your warranty provider!




Home warranty coupons and deals:
02/17/14 Update

As of now, many of these coupons have expired. However you can still get a price quote for home warranty on our website. This will be a free quote and there is no obligation to buy

10/11/08 Update

Choice Home Warranty is offering 25% discount on premium and $15 off of service call fee. Use the code “HOLIDAY25” here – http://choicehomewarranty.com/quote-start.php

Coupon expires on 12/26/2008

Check out our reviews section for Choice home warranty reviews

11/18/08 Update

Choice Home Warranty is offering 15% discount on premium and $15 off of service call fee. Use the code “15OFF” here – http://choicehomewarranty.com/quote-start.php
Check out our reviews section for Choice home warranty reviews

10/17/08 Update :

We found this discount deal on deal catcher forums – National Home Protection is offering 20% off, and $50 Gift card

Sign up for a new home warranty and get 20% off your monthly bill, $45 service calls (usually $60) & a free $50 Home Depot Gift card. Offer expires 10/31.

Use Promotional Code SAVE20 Check out our reviews section for National Home Protection home warranty reviews




Freddie Mac has started offering free home warranty coverage for 2 years when you buy bank owned or foreclosed real estate property. The “Smart Buy” program was started in late August and is expected end at the end of October.

free home warranty

The promotional program applies to real estate owned homes sold through the agency’s HomeSteps unit, which deals with foreclosed properties that have been turned over to the lender. Called SmartBuy, the program seeks to address one of the major concerns homebuyers have about buying foreclosed property, namely, the potential cost of repairs on a home that may have been poorly maintained or allowed to deteriorate.

A typical home owner’s warranty costs anywhere from 300 to 600 dollars and will have a deductible per incident. There are several companies (AHS home warranty, Old republic home warranty, First American home warranty etc.) that offer home protection plans.

Freddie Mac will also pay closing costs of up to 3.5 percent of the purchase price. For example, on a $200,000 home, the program would pay up to $7,000 in closing costs, however it does not cover down payment.

Freddie Mac plays a critical role in the mortgage industry. Serving as one of the nations largest agencies that securitises conventional home loans, they have been in a precarious financial position over the last two years as home foreclosures have swept over the housing markets. Freddie Mac, along with Fannie Mae, another large national agency covering the mortgage markets, have both received billions of dollars of capital from the U.S. government in the last twenty four months. The companies financial problems escalated as they were leveraging the value of their loan portfolios in multiples over ten percent

Second and vacation homes, investment properties or property purchased solely for rental purposes are not eligible. There is a minimum purchase price of $25,000. More information on the program, including localized listings of eligible HomeSteps properties, are available through www.homesteps.com web site. Local real estate agents can also provide information on which properties are offered through the program.

As an advice, if you are buying a home make sure you hire a professional home inspector. They will inspect appliances, backyards, plumbing, electricity etc. to make sure everything is in good and working condition.




As a landlord, legal responsibility is a bigger issue for you. You need to guard yourself against the losses that can potentially crop up to your properties and in general financial health. What if your occupant is hurt on the rental possessions? You want to be sure that if you are prosecuted, you have the adequate insurance to lend you a hand.

Insurance Landlord needs

As a landlord, you should guard your income stream and that’s your rental income. If the structure is adequately spoiled then it is not possible for the renter to dwell in your property, so you require a protection to your rental income so as to meet your obligations, together with the mortgage on the property, if any. This is where you have to reflect carefully on what your exact needs are and purchase the right coverage.

Take heart! While it may sound scary, insurers have previously designed policies for the landlord’s requirements. Always remember that there will be a dissimilarity in these policies, so you will have to verify the fine print and choose the one that suits your situation. By shopping around, you will get a better idea of what is obtainable in coverage and at what price.

Essential Insurance for Landlords

There are some forms of insurance you can take to make your life simpler and less of a burden. Here is a list of essential insurances that a landlord must have:

Get a Home Warranty

Landlords most likely take issue with this one, as it appears to take money out of their pockets-especially those with the ability to do repair work themselves. However, you can draw a better class of tenant if they recognize that there’s a warranty in place. (i.e., they won’t have to hunt you down and request you to come by to make repairs). Besides, it will free you up to truly manage your belongings as an owner rather than just a handyman. To end with, a home warranty policy will pay for itself with one or two repairs.

To get an estimate of home warranty costs for your rental properties, visit our home warranty price quote section

Landlord House Insurance

If you possess a home then you likely know the significance of ensuring that it is properly protected. Having the correct insurance for your property is a good step towards making sure that you have the guard you require. Landlord house insurance is essential for anyone who possesses a home. The key to home insurance policies is ensuring that you receive the best price for your insurance.

Below is a list of ways by which you can decrease the rate of your insurance policy.

  • Security System– If you set up a right security system that can sense fires or thieves, then you can find a reduced rate on your insurance policy.
  • Increase Deductible– You can ensure to pay a lower amount for your insurance plan by increasing your deductible payment. The deductible is the payment that you are required to pay once you make a claim on your insurance plan. Make sure that you find a good deductible rate for yourself.
  • Remove Potential Hazards– If you stay in an area that is bounded by trees then likely you have a high risk of a fire occurring. By clearing the trees you may be able to save money on the insurance. Based on the circumstances you may have to shell out a higher premium for your contents house insurance.
  • Find the Right Lender– The best way to save money on your landlord house insurance is to gaze around. Start a search online and hunt for different companies that provide reasonable insurance for your home. You can obtain free online quotes for house insurance from different companies but make sure that you get comprehensive quotes for your insurance. Get the details of the coverage and don’t be fooled by any company as the offer really low prices because they normally have high deductibles and bad coverage.

Landlords Contents Insurance

Many landlords believe that they do not require any insurance for the contents in their buildings. They hold the impression that these contents are taken care of by the building insurance they procured. However, that is not the actual case. To get the contents covered, they will have to spend extra in landlords’ contents insurance. Some landlords even feel that the contents will be covered by any insurance policy the tenant holds. But the actual fact is that the policies bought by the tenants will only cover possessions of the tenants and not that of the landlord.

If the landlords truly worry about the contents for which they put in a huge amount of money, they must procure landlords contents insurance. In this way, they can expect to get some reimbursement for the items in case they are damaged. Having no insurance for these items will leave them totally destructed if they face any incident causing damages.

Umbrella Insurance Policy

It’s called “umbrella insurance as it is intended to give liability protection beyond when the liability on other policies has been exhausted. Depending on the insurance company, you can obtain an umbrella policy with an extra one to five million in liability protection.

Umbrella Insurance gives an added layer of liability coverage. It’s isn’t just for rich and famous. Whether it’s an incident on your policy or a serious auto accident concerning costly medical bills, you can find yourself liable for damages that exceed the limits on your homeowners, auto or boat policies. A pricey judgment is the last thing you want to be anxious about.

Landlords habitually handle different types of policies, but one of the most significant and frequently unnoticed types of insurance is the umbrella insurance policy.

Consider these factors if you are not sure if you would benefit from procuring umbrella insurance or not.

  • Rentals– Though you carry an independent fire policy for each home, umbrella insurance can help you protect in case your tenant or tenant’s guest are injured on a rental property.
  • Vacant land-Your vacant land can be used by neighborhood children to play. If one is hurt it could result in an expensive lawsuit. In such situation, umbrella insurance can offer additional coverage.

Taking no notice of these insurance policies is not recommended anytime. The consequence of such ignorance could lead to serious losses that will be hard to recover. On the contrary, landlords are strongly suggested to make an investment in such policies that will save them a lot of money in case of any accidents.




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

Green Advantage Warranty

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

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

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

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

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

About the company

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




This infographic depicts the most basic definition of what a Home Warranty is all about. Although the title says that it is for dummies, we’re sure that even people with average/ above average intelligence can keep up!

Now, an appliance warranty is a form of protection your purchase for your household appliances and systems. It is a contract that offers to provide you discounted repair and replacement services should your device sustain any damages.

Home Warranty Dummies

Share this Image On Your Site

Coverage

As you can see in the infographic, all major systems and appliances are covered. Now that would include refrigerator, built in ovens and microwaves, washer/ dryer, HVAC units and major systems like plumbing and electrical units. Additional coverage can always be purchased, so you can rest assured that all your devices can be protected!

How Does Home Warranty Plan Work?

This is how it works. When your covered device gets damaged, you simply place a call to the warranty company explaining your situation. If the damage is not an excluded one, your claim will be taken up. The warranty company then sends a technician to your home to fix the damage.

Claims

Let’s discuss the claims part. Like we said, when you notice a damage, all you need to do is inform the warranty company about it. Did you notice that title saying “Common reasons for claim denials”? Yes it is true. Although this does not happen often, it is still noticed that companies often deny claims. The grounds for claim denial varies from company to company and can be understood only after you go through their policy booklet.

However, common reasons for denial are as follows

  • Insufficient maintenance
  • Improper installation
  • Code violations
  • Unusual wear and tear

Don’t worry too much about it. If you choose a reputable company, chances are low that your claims will be unjustly denied.

Premium and Deductible

Moving on, let’s discuss the premiums and deductibles involved. As the image says, the annual premium for most basic warranty plans are somewhere in the range of $250- $500. This can vary depending on the extent of coverage. Larger the coverage, higher the premium.

Each time you raise an issue, you will be expected to pay a deductible/ service call fee (it’s nominal, around $50). The happy news is that there are some companies offering plans at zero deductible.

So there! That’s what the infographic is all about. Isn’t it an awesome image? Cheers!




No human need is greater than a home to live in. While not all of us can afford to buy our dream houses, there are people who are not even sure buying is a good idea. The decision between buying and renting is one that has reduced many a strong willed man to tears.

As folks who work closely with homeowners, we have, over the years gathered knowledge about handling such dilemmas. So we thought we’d write an article to help those faced with the doubt that has plagued many of us – Should I buy a house or should I rent one?

Buying a house

Buying Vs. Renting A House

We know that it is not a silly decision. So here are some points you should give thought to before you lean towards one decision.

1. How long are you planning to live in that area?

This is something that should be considered before anything else. If you are in that city for an assignment or for a short duration, buying a house may not seem like a sensible option. If you plan to settle there permanently, looking into buying will be wise. Rent is often considered by many as dead money. That money never comes back or turns into an investment. So, give due thought to how long you plan to stay in an area and put that down on your list of things to consider.

2. How are your finances?

Does your bank balance match that of Arab Royals’? You could buy a mansion in that case. Is your balance the typical American average? Well, you could maybe buy a house with some aid from loans then. But if you don’t have enough for a down payment, don’t even think about taking loans from several lenders to buy a house. Also, if you have no source of income, loans will never even be an option.

3. Are you looking for an investment or just a roof over your head?

If you plan to buy a house, redecorate and sell (which is an expensive but rewarding business idea), you could probably look into some options for buying. If you are just looking for accommodation, renting an affordable place might seem sensible.

4. Worried about landlord issues?

Believe us when we say this, some folks steer clear of the idea of renting because they are worried that the landlord might be a nightmare. However, don’t let this be the reason that deters from renting. Having a home of your own is indeed a satisfying feel but there is no reason why you should feel small because you stay in a rented house. For many, renting may make more sense financially than buying a home.

Perks Of Buying A House

Buying a house does have formidable benefits. Here are some of them-

  • Tax exemption for all payments you make towards buying a house.
  • A house of your own is a huge asset and can serve as an investment.
  • Mortgage rates are mostly fixed, unlike rent which could go up annually.
  • You could become part of the local community.
  • You’ll be free to do whatever you want in your space – decorate your home as you wish, invite guests as you want and live the way you chose :).

Disadvantages Of Owning A House

Like everything has two sides, owning a home too has a trying side. Let’s take a look at some common disadvantages of owning a house-

  • Maintenance. Or the excess of it. You may want to look into home warranty plans if you want to protect your budget from unexpected repairs.
  • Various kinds of taxes. You’ll have to pay them all!
  • Potential depreciation costs. If a crime/hazard happens in your neighborhood, the value of your home may fall below what you bought it for.
  • Paying for mandatory homeowner’s insurance, if you have a mortgage plan.

Perks Of Renting A House

Well, since it’s better suited for the not so well off, financially, renting offers many advantages over buying. Let’s take a look at some of them –

  • Very little maintenance required. If major systems get damaged, it’s mostly the landlord’s job to get it fixed.
  • No worries about owning a depreciating asset.
  • No mandatory insurances or protection plans, except maybe renter’s insurance.
  • Moving from one city to another or shifting, in general, is easier if you stay in a rented home.

Cons Of Renting A Home

Often called as a dead investment by many, renting comes with its set of heartbreaking disadvantages. Here are some of them-

  • Can’t redecorate/remodel your home as per your desires. Most rental agreements lay down clauses preventing the tenant from making any permanent changes to structures of the home.
  • No tax benefits. The money you pay every month is as good as lost.
  • Not your house, so not your rules. Some landlords are pretty strict about what activities can be done in their house.
  • Most landlords demand a yearly increase in the monthly rental amount.

The Bottom-Line

We can’t decide for you, but we can urge you to strongly consider every aspect before you make a choice. Owning a home is indeed a wonderful experience that is unmatched. If you are already a homeowner and if you are thinking about buying an additional house, we would recommend that you look into easy home maintenance tips & cleaning hacks. You may also want to compare top home warranty companies to ensure that your budget stays protected.




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

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

What is Structural Insurance?

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

Structural Insurance & Home Warranty

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

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

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

Site Insurance

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

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

Builder’s Insurance

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

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

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

Why Insurance During Construction is Essential

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

Structural Warranty for self built homes

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

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

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

Home and Structural Warranty

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

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

 




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

Home Warranty Companies in Nevada

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

Nevada is a state with extreme temperatures.

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

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

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

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

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

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

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

1. American Home Shield (AHS)

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

2. The Home Service Club (HSC)

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

3. Select Home Warranty

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

4. Landmark Home Warranty

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

5. Home Warranty of America

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

Now we see why these companies are tops in Nevada.

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