Structural Insurance for Self-Built Homes

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.

 






Imagine how messy your kitchen would be with unwashed dishes and bowls if your dishwasher breaks down! Washing those utensils & dishes manually can be cumbersome.

You can stay away from such tricky situations by taking good care of your dishwasher. We have provided below, a simple list for maintaining the appliance. This guide will not only help you to reduce maintenance expenses but also increase the life of the dish washer.

Even if you have an appliance warranty plan, warranty companies expect you to maintain your appliances in good condition before carrying out any repair related work.

Maintenance & Cleaning Tips

If you have been using your dishwasher regularly, then frequent cleaning is not recommended for the interiors of the dish washer. Fortunately, dishwashers don’t need cleaning very often and it’s not hard to clean them.

When you decide to clean them, follow the steps below.Dishwasher Preventive Maintenance

  1. Firstly, empty the dishwasher completely. The steps that follow should be performed when the dishwasher is empty.
  2. Check all the spinning arms. Look to make sure all the holes are open so that water can run through them freely.
  3. Clear any debris out of the holes in spinning arms. Use fine pointed or needle-nose pliers if you have some. Otherwise, try a toothpick or something similar. Take care not to scratch anything if you’re using a tool with a   metal point.
  4. Wipe around the edges of the door and around the gasket. Use a damp cloth and, if you like, a mild spray cleaner. An old toothbrush or other soft, household brush can help get into corners and up under the gasket.
  5. Clean under the bottom of the door. In some dishwashers, this is a dead spot where water doesn’t go, so it can accumulate debris. Wipe this off.
  6. Inspect the bottom of your dishwasher around the drain. There will be a grate or grill under the arm. This is where waste water exits. Look for debris clogging up this area. You shouldn’t have to clean this often if you’re careful about what you put in your dishwasher, but you should remove any solid matter that builds up, especially bits of food, shards of broken dishes, gravel, etc. You may be able to pick up solid objects accumulated on the outside by hand.
  7. Remove hard water deposits or scale, if needed. Run one cycle of your dishwasher empty, with a mild, food acid of your choice. Avoid using bleach and detergents containing bleach if your dishwasher has a stainless steel interior or door.
  8. Spray the front of your dishwasher with a mild spray cleaner of your choice and wipe it with a sponge or soft cloth. Pay particular attention to the controls and the handle. Also, don’t miss the little ledge between panels. It tends to collect dirt.
  9. Refill your dishwasher’s rinse aid dispenser about once per month. Rinse aid helps to prevent spots on your dishes.

The above simple maintenance tips can make your dishwasher run efficiently and reliably. They also help in extending the life span of your dishwasher leading to prevention of high replacement or repair bills.

http://www.youtube.com/watch?v=iABhGWZN778




Do you have a trusted appliance lying around your household for the past few years that you don’t want to give away or replace? Yet you are worried that it’s going to crash pretty soon leaving you with no other option other than repairing it or replacing it with a new one? Fret not! This article will shed some light on how to insure your household appliances against potential breakdowns

Let’s begin by comparing Home Warranty from the Homeowner’s insurance policy. The primary difference between the two is that Home Warranty covers repairs and replacements of failed appliances and systems, while the the Homeowner’s Insurance covers damages caused to your home and its content by natural hazards or theft. You can always find a contractor to repair your damaged appliances, but more often than not the costs involved in such scenarios are rather high. The other option that you have is to apply for a Home Warranty plan.

The Home Warranty plan is a contract of service that covers repairs and replacement of appliances and systems in your home. Depending on the kind and extent of coverage you wish to avail, the annual premium for the Home Warranty plan can range anywhere between $ 250 to $ 450. In addition, each time you approach the warranty company for a service, you have to pay a service fee usually called as the deductible. This is around $ 50. You can take a look at the table below if you want to know he systems and appliances that are covered under the Home Warranty Plans.

Home Appliance Warranty Plans

If you have doubts regarding whether or not your appliances need a Home Warranty Plan right now, take a look at the following chart. It tells you what the average lifespan of the common household appliances.

Table2 for Appliance Warranty article

Now lets discuss the most important question.

What kind of plans are available and do I actually need them?

Let me clear the former first. You have two options, you can either avail an extended warranty for each appliance or you can get a Home Warranty which covers all your appliances. Although, getting extended warranty on each appliance is not a wise decision, the best way out is to get a Home Warranty.It is also suggested that if your appliances are not new and over four years old, getting a Home Warranty will turn out to be highly useful. However, if your home and the appliances you own are reasonably new and still covered by the Manufacturers warranty, you may want to consider taking an extended warranty. You can click here for further details and comparisons between the two.

If you are wondering how this works then here’s the answer. The company offering a Home Warranty plans often sign contracts with vendors offering repair services to appliances. Each time you approach your warranty provider with a claim, they  call up these repair facilities which in turn sends a technician to evaluate the condition of your appliance.He shall decide if your appliance needs to be repaired or replaced.Service charges(deductible fee) of the technician shall be paid by you and it is always nominal.

Things to know about appliance protection plans

If you have read so far, then it would mean that you are genuinely interested to know as much as possible about Home Warranty plans. Few hiccups that you may encounter are as follows:

  • Home warranty plans are a way to ensure security and to reduce maintenance costs. They don’t provide blanket coverage nor do they pay for pre-existing issues.
  • All companies do not offer the best customer service. Make sure that the Home warranty company you choose comes with high recommendations.
  • Ensure that you read the contract for Home Warranty thoroughly.This ensures that conflicts do not arise later.
  • Many a times, it is often seen that Home Warranty companies opt for repairs rather than replacement of the damaged appliance. Further, waiting period for this is also considerably long in some cases. Worst of all, claims are sometimes rejected on unclear grounds or by bringing up small clauses from the contract that are often overlooked by the customers.

It is again stressed that you read your contract carefully and have it looked over multiple times , paying immense attention to the monetary factors.

Do I really need Appliance Protection?

Despite the issues that were mentioned, it is advised that you insure your appliances by availing a Home Warranty Plan. Costs incurred during repairs and replacements can be considerably reduced if you have a sound Appliance Protection plan. Also, if you choose to sell your home while the Home Warranty plan is still valid, the value of the property is likely to be higher than when it is sold without a Home Warranty. Most buyers recommend strongly in favor of Home Warranty plans. You are likely to do the same if your choice of  home warranty provider is good.

Here is the summary of benefits you shall have if you avail a Home Warranty Plan

  • Confidence: This is something that can rarely be bought with money. Home Warranty Plans provide you a tension free life. It does so by relieving you from worries about unexpected expenses occurring due to damage of your appliances.
  • Broad coverage: Almost all your appliances and systems are covered by the U.S. Home warranty contract.
  • Affordable prices: The annual premium as well as the deductible you pay are both affordable to an average U.S. citizen.
  • Budget protection: To those of you who just purchased a new home and had to spend quite a lot on one time expenses like drapes, landscaping etc, the first year in your new home is not the ideal time to expect financial drains due to faulty appliances.
  • Lawsuit avoidance: Assuming that you sold your home while it was still covered by the Home Warranty, any appliance that sustains damages will be taken care of by the home warranty company. If the appliance was not covered by a Home Warranty, it may often result in the buyer suing the seller.

May it be reminded again that reading the contract well is of utmost importance. You can get a free estimate on home warranty from top rated companies on our website before you purchase the plan.




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!




Decorate Your ApartmentThe majority probably have the disguise and feel of a well resided home. Apartment living is a great way to save money and it gives you the liberty to move around, as you wish for. Entertaining in a well designed apartment will make you feel good and will most probably make you like living there. Decorating your apartment economically will make you feel good when you entertain, and when enjoying your place on your own.

 

Decorating your apartment does not have to be pricey or boring task. It should be a fun process that lets you discover your creativity to create an apartment that defines you. Decorating also serves as an opportunity to allow your personality shine, while creating a home that is comfy, budget-friendly and attractive. To know more about this check out our Home Appliance Warranty guide.

8 Cheap Apartment Decorating Ideas

Moving into an apartment is always expensive with deposits and other costs, so here are 8 cheap ideas to decorate and furnish your apartment and to make it the best it can be.

Mirrors make your apartment feel larger1.  Small Spaces:

Apartments are usually small confined spaces. Using mirrors is a great way to make your apartment feel larger and give it a homey feel. You can find large ones to cover the total wall if you want, but prefer different sized framed mirrors. Framed mirrors give a little extra pizzazz and a more expensive look than plain border less mirrors. If you like conventionality, you can paint the frames to your liking.

2.  Furniture Placement:

If your room is large enough you can “float” the sofa in the middle and add a console or low dresser behind it. This can give a nice barrier between the dining and living area, as they are generally shared spaces. You may have to move it around a bit to get it the way you wish for. You may even put up a nice room divider at the back of the sofa to break it up even more.

3.  Paint:

Interior PaintingMany apartment complexes have set of rules about not being able to paint the inside of your dwelling. If they do, it’s likely an off white/boring white color. In order to avoid the plain bare walls you can paint your furniture instead. Be artistic and paint an old table, wood chairs or an end table a brilliant color. Paint is easy, cheap and a cost effective plan to bring color into your home. Another idea, go to a swap meet, yard sale or discount store and find bright cheap artwork to hang on your dull white walls to bring out the zest.

You could make use of curtains as a means to decorate your plain walls without painting or wallpaper. It gives the look of luxury and gives the delusion you have windows behind drapes. Use long drapes that hang from the ceiling to the floor to give height to the room rather than a tiny window or just a plain blank wall.

4.  Dining Area:

In today’s ultra-modern world many people telecommute for work. If you are staying in an apartment you may not have the room for a home office. In case you need a workspace, one idea is get rid of the dining room table and substitute it with a console table or an old farm table that fits the area. This will offer it an industrial look and provide ample space. Rather than dining chairs, get some folding chairs that can be folded and stored under your bed. You can use a ergonomic desk chair with wheels while working. This will give you the chance to use the table as a desk or as a dining table when you have guest.

lighting apartment ideas5.  Lighting:

Most apartments are boring and dark; proper lighting improves the decorating scheme in any room. There are many light sources obtainable right from natural light, lamps to salt crystals. Natural light is the best source when possible. It’s the most cost-effective.

6.  Shelving:

Shelving can be employed in any room of your home and it gives a nice placement for your general storage needs. You can make use of mason jars, baskets or any nice containers to keep on the shelves. Floating shelving are usually nice and can add extra elegance to any room.

7.  Carpet:

Normally apartments don’t come with polished hardwood floors many of us dream about; they generally have carpet with three generations of living already built in. Most will have a few marks and you will usually have to live with it. However, there is an answer to the problem and it’s called area rugs. Area rugs are great for covering stains and dull colored carpet.

Greenery inside apartment8.  Greenery:

Plants are a great way to bring life into your apartment. They appear great and have health benefits also. Plants help control humidity, clean the air and help lessen noise levels. They also improve the “energy” in your living space and add an organic touch.

 

Decorating an apartment can be a tricky task. There are limits to what can be done and rental rules you must pursue. Inexpensive apartment decorating ideas can help you plan the perfect apartment you will always adore. You don’t need to hire a costly interior designer.

Good taste does not have to come with a giant price tag. You can with no trouble stay within a restricted budget when decorating anything, particularly a small apartment. Sharp eye for bargains and creativity is all that you require decorating a small apartment on the cheap.




Buying a home is a cherished dream for many first time home buyers, a sort of milestone if you will. A home will probably be the most expensive purchase you ever make in your lifetime, which is why a lot of thought and consideration is given to it. For most home buyers, especially, first timers, the financial cost alone is monumental. If you are someone who is planning to buy a home for the first time, we’d like to warn you about some of the biggest challenges that you will face.

First time home buyers

For convenience, we’ve sorted the challenges into two categories – Financial challenges and maintenance challenges. Let’s begin with the financial challenges.

Major Financial Challenges: For The First Time Home Buyers 

Down Payment

Most buyers cannot afford to pay the entire price in one go. They will typically opt to get a home loan. However, even if you do opt for a home loan, you will still have to pay the down payment, which is a lump sum anywhere between 3%-20% of the sales price of the house. This is often a rather big amount which you will have to arrange yourself. The rest can be paid off with a house loan.

Credit Score

Your credit score is a numerical representation of your creditworthiness. It is often used to estimate risk involved in lending money or resources to a person. Credit scores also decide at what rate of interest a loan should be given to you. So if you do have a house loan, your credit score will be hugely affected. Should you require a loan before your home loan is paid off, the chances are high that such a loan would either be difficult to get or would come at a high interest rate.

Tight budgets

It goes without saying that purchasing a house will take up a huge chunk of your savings. Since you’ll also be using up money to furnish/decorate your new home, you’ll most probably be left with a very tight budget leaving very little room to afford holidays or other recreational activities. You’ll also be paying monthly installments to the bank to pay off your house loan for the next decade or so which would mean that the tight budget will remain tight for a very long time.

Home Maintenance Challenges: For The First Time Home Buyers

Maintaining a home in good condition is no easy task. It is not pocket friendly either, especially when the home is 4+ years old. First time home buyers find home maintenance very taxing, mostly because they are new to this. So, if you are one among the first time home buyers, then here are some things you should worry about-

Leaks and Squeaks

Leaking plumbing is a messy and inconvenient event. It could also cause further damages to the house. Fixing one requires skill and sometimes hefty sums of money. Leaks are one of the most common issues reported by first time home buyers and handling it will require the services of a skilled plumber.

Appliance Breakdowns

Possibly the most expensive kind of maintenance challenge that you will encounter is an appliance breaking down. Big appliances like built-in refrigerators or the HVAC units cost a lot and replacing them could cost you heavily. Sometimes a repair job could fix the issue, but even that requires the skills of an experienced technician and some amount of money.

Preparing Yourself For That Big Purchase

Houses or any kind of property are often considered as solid investments with a very little scope for depreciation. Hence, buying a home is often positively encouraged. Although they are expensive, they could be an asset unlike any other in the long run.

If you did buy a home, your homeowner duties don’t end there. Home maintenance, like we said before, is not an easy or cheap task. This is why most American homeowners swear by a home warranty plan. For older homes, an appliance warranty plan is your best bet for budget protection. They are affordable and come in wide range of coverages. All you need to do is alert your home warranty company when there is a breakdown and you can get the repair done at a nominal fee! Also, it is strongly recommended that you get a home inspection done before moving in to reveal potential damages with the house. It will also help you in deciding whether you need to look for another house if the damages are too many. We also recommend that you read up on whether your need a home warranty or not.

If this article got you worried, we would like to sincerely apologize. We were merely giving out pointers on what to expect when you don the shoes of a homeowner. And like we said, buying a home is a serious step and it comes with an immense sense of accomplishment for many. So if you’ve found your dream home, go ahead and get it! We wish you all the very best with your new home. Cheers!




When you start out to know what home inspection is, Wiki says “A home inspection is a limited, non-invasive examination of the condition of a home, often in connection with the sale of that home”.

Home inspections are usually conducted by a home inspector who has the training and certifications to perform such inspections but does not guarantee future condition, efficiency, or life expectancy of systems or components. A home inspector is sometimes confused with a real estate appraiser. A home inspector determines the condition of a structure, whereas an appraiser determines the value of a property. A professional home inspection is an examination of the current condition of a house. It is not an inspection to verify compliance with appropriate codes.

You might start to think if it is needed. If yes, then why? You are buying a new house, your house is less than 5 years old and you have no plans of selling your property hence you may not need to carry out an inspection. You should not forget that home builders can go wrong or miss something crucial. Home inspection could save you from a pit fall. Also note that you can add an inspection clause to your new home contract. You can consult your attorney if the builder does not allow you to get a private inspection done.

Cracked wall

Here’s the other part, you have a house which is more than 5 years old and/or you are buying this property, you will need to call in a home inspector to get a detailed report of the house. As already said, inspection reports give buyers a chance to take a better look at the house and hence facilitate a better negotiation.

So How Much Would It Charge To Get An Inspection Done?

The price varies based on the size and age of the house, and inspector’s level of experience. Inspection fee may be quoted based on square foot of area under the roof or square foot of living area or flat rate or price of the house. Just check to know what is covered in the quoted price and what stands outside it. A 2000 sq ft house could incur an inspection expense of $250 to $450 for a general inspection.

You will need home inspection when you decide to buy a home warranty plan. Based on what is in the report, the warranty company will cover those appliances which are under proper and regular maintenance and which are also listed in the selected plan. It should be emphasized that many appliances are not covered in the plan hence you will have to put some effort into reading the fine print.Home Inspection in Progress

How To Choose An Inspector?

Before you ask an inspector how much he charges, please ask about his level of expertise, how he got into becoming an inspector, a sample report of his previous inspection, what is the training he received, years into business, license. In short, the inspector’s reputation is very important. You might find an amateur doing the job for a dirt cheap price who might as well offer a short term warranty just incase if anything were to be missed. Situations as such should remind you that your house could probably be the biggest achievement you will ever make so why go penny-pinching now? Choose the qualified personnel to carry out the inspection. Why not get your uncle or cousin do the job? “Hey, he is a realtor” you say. I say, the inspection may turn out biased or the person may be too strict in evaluating as he mostly cares for you.

Here are some tips to help you during the inspection process –

  • Meet the inspector at the property. You can accompany him while he examines the house. He will be able to explain things he notices and you can also raise a question or two about possible faults you observed.
  • Avoid taking contractor references from the inspector.
  • Ask for a copy of a report which was prepared by the inspector recently. It should involve pictures explaining what is wrong with descriptive text and arrows. Check the amount of pre filled text. If this is more, you will have to browse through an ocean to get the picture.

home inspection

Home Inspection Warranties

So what is this new thing? Some home warranty companies have started allowing a home inspector to purchase a policy that will warrant their work. Many inspectors provide money-back guarantees in the event that they miss something, but what we’re talking about here is a short term home warranty that will actually pay for repairs. The inspector you choose to offer a cash back if you face any problem within a short period of inspection or a short term home warranty of 90 days or more. It could be your gain or loss. How? The short term home service contract might be from a non-licensed company which may not follow up on your claims or sell your information to telemarketers to compensate the cost. Check if the company is licensed and its ratings. Also, the warranty may cover only few but not all appliances. Read the plan carefully to know if is worth striking a deal.

Never forget that inspectors are not perfect like me and you. They can’t be expected to find every problem in a house.  Finding a good inspector will certainly put you in a better position.

A home inspector will not decide for you. He will not stamp the property a pass or fail. A home inspector is hired to report the condition of the house and in some cases carry out additional tests like radon, termite, drug pollution etc. Once the report is handed out, you and your agent can settle it out and it would be in your hand to pass or fail the property. Check for the clauses in the contract to see if you can back out of the sale or request the seller to fix certain or all defects or accept the home as-is.




Next to the so important health insurance each individual should have, there stands as second in line the home insurance. For homeowners, the home insurance is a specifically well tailored preventive measure any damages should happen to their property. The most important fact before you settle for one certain type of home insurance policy, is to ask yourself which kind of insurance do you actually need.

Home insurance

For example, if you live in a high risk area where floods happen quite often, then you should take an extra option for flood insurance. Certainly because your property lies in a high risk area, the flood insurance for your home is an extra option, it will not be included in the policy, and it will cost more. It is you, who should decide whether you need it or not. Bear in mind that it is not only the physical property which needs protection, but also your personal belongings (i.e. jewelry), and don’t forget about personal liability issues. Find the quickest way to get insurance quotes compared online.

The market offers you plenty of choices, and that is why it is so hard to make a choice. Settle your priorities first, see how much you can afford to pay for the insurance premiums and which are those aspects which definitely need insurance coverage. You have to watch out for the advertisements which offer too high discounts, but little or not effective coverage for you. The points where you can save when buying a home insurance is basically if you apply for one online (can bring you up to 15% savings), there are also certain new buyer discounts, plus if you make no claims for a number of years since you have the insurance, that could lower the price of your insurance with as much as 50% in some cases.

Some of the main coverage factors within a home insurance policy should contain:

  • Buildings cover
  • Contents cover / Contents lost or even damaged when moving
  • Theft from garages
  • Lost/damaged business equipment
  • Alternative accommodation for the insured when needed
  • Food in the freezer / money in the house

Certainly the amounts to which the above mentioned situations are covered for, differs from one insurer to the other, but these should be contained in a standard home insurance plan. As for the extra options you may choose, these are plenty, and each homeowner chooses according to his needs and best interest. On the extra options list you may settle for Accidental Damage, which simply means protection for accidental damage of your stereo equipment for example. Then, the personal possessions cover is yet another extra option, which compensates you for loss of money or credit cards up to a certain coverage

limit, or accidental damage loss or theft of personal items. The family and legal protection extra option will offer coverage for almost any legal costs up to a certain amount, disputes revolving around employment issues, or property and inheritance related ones. Plus, the home emergency option will offer a helping hand in case your door lock breaks, your electrical heating fails, so that you don’t have to worry about the incurring costs a professional would charge for an emergency repair to your home. Check and discus with your family all the available options pertaining to home insurance in general, and settle for the one which is the most affordable and efficient regarding your personal needs.




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

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

General guidelines

Pursue Insurance Claims

 1. Information

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

2. Maintain Call logs

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

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

3. Be nice and pay attention

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

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

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

They still won’t listen- What to do ?

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

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

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

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

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

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

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




This week’s featured review comes from Polly, posted in 2-10 home warranty reviews section. HWRCopyright

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The only way we ever got HBW to pay anything on a claims for construction defects was because we had a way to avoid their arbitration process. Despite a federal law that said we didn’t have to arbitrate because we had a government backed mortgage, HBW kept trying to get us to arbitrate our dispute with the builder, with an arbitration company they mandated. If you have FHA or VA financing your lawyer needs to make use of this federal law, Title 24 of the Code of Federal Regulations, Section 203.204(g). It says “judicial resolution” has to be an option along with arbitration. I believe it also says that for FHA and VA buyers arbitration has to be at no cost to the homeowner so if you get sucked into it and it’s too late to get out it at least should not cost you extra to get hosed.

Their arbitration company CAS was owned by a disbarred lawyer. We found out about many problems with their arbitration.

HBW was offering only part of our damages and acceptance of their offer would’ve required we give up claims against the builder for the rest of our damages. This would’ve ruined us financially as the damages were severe, with many serious defects in a brand new house.

The way most if not all these new home warranty policies work is that they protect the builder. They do little for the homeowner unless you have time to learn quite a bit about law, consumer protection, etc. This became a huge time consuming operation for us but we eventually prevailed and settled our case. By avoiding their arbitration process we were ABLE to pursue it. In arbitration we’d have probably lost or had to accept the low ball offer.

I learned a lot about warranty companies from some consumer protection groups, and my own research. First, most are not insurance and therefore are not regulated by the state insurance departments. Warranty companies are actually “Risk Retention Groups,” not insurance. Even their so-called insurance backing, National Home “Insurance” Company, is an RRG.

The contract to buy a warranty policy is between a builder and the warranty company. The homeowner rarely knows what terms these two companies have bound them to until it’s too late, for example the arbitration clause in the warranty that you don’t see or don’t realize what a trap it is, until after you’ve bought the house.

I have since seen court cases that said HBW’s arbitration clause is “unconscionable” and unenforceable, but unfortunately many other court cases said that thought it was unfair it was still enforceable. You can find many of these cases discussed online by Googling this company or its chosen arbitration company, Construction Arbitration Services.

No surprise at all to see so many negative ratings here for HBW and I suspect most similar companies have similar comments/ratings. To top it off, during our dispute, HBW still sent us letters asking us to renew their “coverage!” What a joke. Don’t think you have much protection with a home warranty. They are mostly a marketing tool to sell houses, and their coverage for the homeowner is more of a false sense of security.




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




Whether you are shopping for a home warranty or already have one, you may be asking yourself how to tell which companies are legit and which ones are not.  Here’s a quick tip from people who know this industry inside and out.  Listen to your repair contractors!

If you want to know how the weather is going to turn out tomorrow you listen to a meteorologist, right?  If you want to know the best place to get dinner this weekend then you probably turn to your favorite online source of local customer reviews.  But home warranty?  Who is the expert where those are concerned?  Trust us.  Nobody knows home warranty like the people who make the repairs!  These are the people who are on the front lines, serving the home warranty companies’ customers.  They know which companies are good, which ones are great, and which ones are someplace in between.

Listen to your repair contractors or technicians

Trust the people you can count on to tell you the truth

Why do repair contractors get the inside scoop on home warranty companies?  That’s easy.  They get paid by the home warranty companies.  And the ones that are slow to pay or don’t pay at all are probably the ones you should avoid.  If they don’t pay their repair contractors then how can you trust them to do what’s right by you, their customer?

So, how do you get the repair technicians to be your personal guides to the home warranty industry?  That’s a little more of a challenge.  But here’s an approach that might work for you.

Just like looking for a doctor who accepts your health insurance, look for a repair contractor who accepts your home warranty coverage.

If you’ve had health insurance then you already know what it’s like to search for a healthcare provider who accepts your insurance.  This process typically involves flipping through page after page of physicians in your area who appear in your insurer’s provider catalog.  Your home warranty company probably won’t have a catalog to give to you, but that shouldn’t slow you down.  There are two ways to go about finding out who works with your home warranty company in the local area.  One way is to call a repair technician who has a lot of good reviews and ask if the company works with your home warranty company.  Another way is to call your home warranty company and ask for a list of their local contractors.  The key here is to talk with repair technicians who have a good reputation.  It doesn’t do you any good if you get praise for your home warranty company from a technician who isn’t any good at fixing things.  In fact, that might actually be a bad sign!

Repair technicians write reviews too!

Another way to find out what repair contractors think about a particular home warranty company is to read online reviews.  Customers are not the only ones who take time out to share their experiences working with the top home warranty companies as well as the not-so-top ones.  If you skim through reviews, chances are you will find a few written by the people who perform the repairs.  If you see complaints about the company not paying its bills or asking the technician to do things that go against his professional ethics then consider that a red flag.  If you find a pattern of such complaints then that’s a red flag you can’t afford to ignore.  

Aside from the reviews being helpful for the information they contain about the quality of the companies, you may also find contact information for the repair contractors who wrote the reviews.  Following up with contractors in your local area who write reviews can sometimes reveal even more detail about how the companies do business.  Do they ask their contractors to fix things cheaply instead of fixing them correctly?  Do they reject repairs outright, due to the cost alone?  These are things you need to know.

Now that you have valuable insight into the way your home warranty company treats its contractors, what do you do next?

Once you’ve contacted at least one reliable repair contractor who was willing and able to tell you what it’s like working with your home warranty company (or companies you are considering doing business with) then you’ve got some follow-up work ahead of you.  Consider the following tips, even if you’re really happy with what the repair technician told you about his or her experiences with the company you asked about.

When is the time to look for a new home warranty?

If the conversation with the repair technician didn’t go the way you’d hoped then you have to ask yourself whether it makes sense to do business with that home warranty company.  Depending upon how bad the news was, you might want to get quotes from other home warranty companies immediately, rather than waiting to find out the hard way that the company doesn’t do what’s right for its customers or contractors.

When the repair technician has bad things to say about the home warranty company, it may be time to look for a new one.

Getting home warranty quotes is just one of many things you can do right here on HomeWarrantyReviews.com.  We work with many of the top companies in the industry, so we can probably get you the details quote information you need within minutes, delivered to you by a knowledgeable representative of the company you’re interested in.

If the news you got wasn’t good, but you’re not convinced that one opinion is a good indication of the company’s dealings with its customers and contractors then you may want to follow with one or two calls to other repair contractors in that company’s network of service providers.  One bad experience may be balanced out by a good one, or you might get a consensus from a few contractors that they’re usually happy working with the home warranty company.

Can you choose your repair contractors?

When the news is good and comes from a reputable repair technician, you might want to find out if that technician can be the one the home warranty company sends when you request service.

If you had a good experience talking with the technician then you may want to find out if the home warranty company will allow you to choose your own technician when you request service.  If that technician took the time to help you when you called to ask for his or her opinion about the home warranty company then you can probably count on that person being equally helpful and professional when something covered by your home service contract needs service.

Some home warranty companies allow their customers to choose a repair contractor rather than waiting for the company to dispatch one from their network of service providers.  In those cases, it would save you time in the future if you already have contact information for a contractor who accepts your home service contract coverage.  But keep in mind that there are a few situations in which having just one contractor selected ahead of time will not help you.

  • The contractor is unavailable at the time you request service
  • The contractor does not work on the type of appliance, system, fixture or another covered item that you need to be repaired

So if a home warranty company permits you to choose your own contractor you should probably get to know a few different local companies that work with the home warranty company.  Depending on what your contract covers, you might need more than a few experts in various repair fields.

If your home warranty company and your contractors do right by you then please return the favor!

The best way of saying thank you to a repair contractor and to your home warranty company, when they take good care of you, is to write reviews by looking up the companies which have served you.  You not only reward those companies for their good work, but you also help other customers, people just like you, make smart decisions about the companies they choose to work with.  So please share a moment of your time when you have a good experience with your home warranty, and post a review here on HomeWarrantyReviews.com!

 




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




Home appliances shut down from time to time. The amount spend on fixing the same is often very high and you cannot hide the elation you feel when you get them fixed at a very low rate. Delta Home Protect was one such home warranty company that protects your home system and appliances from unexpected breakdowns with flexible plans and low premiers.

However, over the past two months the number of complaints against the company have spiked up a lot and it is to be brought to your notice that the company has been dysfunctional for the past two months or so. Company’s website is not functional anymore and the phone calls to the number given have become non-responsive. The social media sites of Delta Home Protect have also been shut for the past two months or so.

HomeWarrantyReviews.com has already given you a warning about the same. But this does not mean that they are out of the business altogether. The site has been shut for a while stating the need for maintenance.

Delta Home Protect Reviews

This surely has caused an inconvenience for all the customers who have taken premier policies with the company. How much ever atrocious this seems like, there have been similar incidents that happened in the past. There are a bunch of few other home warranty companies that have been shut down along the way. Do keep a track on the companies that have fallen out of business before committing to their promises.

                        Home warranty companies that fell out of business

  1. Advantage Home Warranty
  2. Affordable Home Protection Services (AHPS)
  3. American Fidelity (AFH) Home Warranty
  4. Arkidus Home Protection
  5. CareOne Protection
  6. Central Mass Home Warranty
  7. Certified Warranties Corporation
  8. Colonial Home Warranty
  9. Consumers Home Warranty
  10. Delta Home Protect
  11. Empire Home Warranty
  12. Everything Residential Home Warranty
  13. GE Home Warranty
  14. Home Choice Plans
  15. InHouse Home warranty
  16. Land America
  17. Mutual Home Warranty
  18. National Home Protection
  19. Nationwide Home Guard
  20. Nationwide Home Warranty
  21. Sensible Home Warranty
  22. Shield Star Home Warranty
  23. Stanley Home Warranty
  24. Superior Home Warranty
  25. Titan Home Warranty
  26. Warrantech Home Warranty

Are You An Existing Customer Of Delta Home Protect?

If you are an existing customer of Delta Home Product, it is natural to feel the disappointment when you have invested the money and are not delivered with the results that were promised to you. However, do not lose hope completely. If you are a customer of Delta Home Protect, you can try the following options to recover from the situation.

  1. Try contacting Delta Home Protect at their physical office address.
  2. Go to your attorney general and file a case against the home warranty company.
  3. You can also contact the division of consumer affairs of your state regarding the issue.
  4. File a case in the small time’s court. They will settle any of your home warranty claims below the amount of $10,000.

 

What Is The Need For Researching Home Warranty Companies?

If you have read through the article, you would surely have got the idea that not all home warranty companies keep the promises that they have made. Hence it is very important that you are fully aware as to what is happening around you and how reliable is the company that you are looking for. It is essential that you pick up your company intelligently and do not jump into any quick decisions that might get you into a financial loss.

What Is Home Maintenance Calculator?

It is very common for anyone to wonder if it is worth getting a home warranty. A home maintenance calculator helps you find this out. It gives you an approximate amount that you would have to spend on your home appliances. Thus, this would help you resolve the mental dilemma of deciding if a home warranty is profitable for you or not.

What Do You Know About HomeWarrantyReviews.Com?

HomeWarrantyReviews.com is a website that provides you with reviews about the different home warranty companies. You can visit the website and see for yourself which are the home warranty companies that are reliable and which are the ones that cannot be done. This would help you to choose your home warranty company intelligently and would save you from unpredictable problems that might happen in the future.

Therefore, always make sure that you do a thorough research about the home warranty company before you opt for it. Choose intelligently so that you can avoid any unpredictable problems in the future. Go through the home warranty reviews or BBB ratings before you make a decision.




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.




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

Fake Reviews

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

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

Penalizing Companies Posting Fake Reviews

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

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




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.




HVAC Maintenance Checklist

 

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

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

Monthly maintenance routine

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

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

Annual maintenance routine

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

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

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

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

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

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

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

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

Qualities Of A Good Real Estate Agent

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

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

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

Analyzing Your Real Estate Agent

 Real Estate Agent

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

1. He/She is a part-time agent

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

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

2. Charges very low commission

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

3. Lack of or difficulty in communication

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

4. No, or negligible experience

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

5. No online presence

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

The Final Word  

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

Hope you enjoyed reading this. Cheers!

 




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

Home Warranty Companies

Oregon’s Best Home Warranty Companies

 

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

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

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

1. American Home Shield

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

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

2. The Home Service Club

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

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

3. Select Home Warranty

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

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

4. Landmark Home Warranty

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

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

5. HSA Home Warranty

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

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

The Final Word

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