If you need home warranty advice? It is supposed to provide peace of mind. Review these tips and you should keep in mind when looking for a home warranty.

Drawbacks associated with getting a home warranty- will they hinder you

Drawbacks associated with getting a home warranty- will they hinder you

A home warranty also has its share of drawbacks and that is why some people avoid it despite others finding it useful.

Maintenance of systems and appliances

One of the requirements for provision of a home protection plan is that the systems and appliances should be well maintained. Items that are not properly maintained are not covered. This has caused many disagreements between the companies and holders of the warranties where some of the repair claims have not been honored due to lack of proper maintenance. The problem is that there is no given definition of proper maintenance and dishonest warranty companies may use it to deny clients their claims. As a result, some people avoid the use of warranties altogether for fear of getting unsettled valid claims.

When buying a home, one is not responsible for what happened before. In case you buy a home with an appliance that has not been maintained, it may be difficult to maintain it to the standard required by the home warranty companies. This may deny you coverage even if it is not your fault. The providers also set limits for the value of repairs you can get. If an item is too old, it may require more repairs to an extent of exceeding its set dollar limit and therefore, you may end up paying for additional repairs despite having warranty coverage.

When there are no claims or a claim is not honored

The advantage that home warranties have is that they reduce the cost incurred in repairing or replacing systems and appliances in the home. If your items break down, you do not have to spend a lot of money in repairs, especially if you do not have that kind of money. The downside comes in when your items do not require repairs for a year or more and yet you are paying the premiums. You may feel as if you are wasting your money on a home protection plan that you do not use and it would have been better if you had kept the money in an emergency fund for future repairs. You may also spend money on premiums and when you make a claim, it is not honored. This may make you feel as if you have wasted the money that you have been paying on premiums and trade call fee. Sometimes the repair may require components that have not been covered by the warranty, and you may end buying them in addition to paying the service fee.

Failure to choose a technician

Another drawback relates to contractors that are chosen to do the repairs. The home warranty company chooses them denying the warranty holder the freedom to choose their own contractor. This means that you are stuck with the person sent, even if you do not like them or their work. You can also not get into negotiations with the contractor the way you would if you had chosen your independent technician to do the repairs. The warranty holder is also left at the mercies of the technician and the warranty company when it comes to making the decision on the brands or models to be used while components are being replaced. In addition, instead of replacing an item, the two may prefer to repair it, and you may have no other choice but to agree with the decision.

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Do you really need that home warranty? How to find out if you do or don’t

Do you really need that home warranty? How to find out if you do or don’t

Home warranty serves a need that is not catered for by home insurance. Many homes have subscribed to this service where their appliances and systems are covered for repair in case they break down. Some people get good experiences from this service and others are dissatisfied. It is therefore important to evaluate yourself and see if you need the warranty or not.

Find out what the warranty covers

Different warranty providers cover different items for repair and maintenance. Some of the items covered are major appliances, electrical and heating systems. You would have to pay extra for coverage of other items not covered in the main policy. You should therefore assess what the warranty covers and decide if you have items that you may need to be covered. It is important to read the fine print when taking a home warranty. You may find that there are loopholes, which may make the provider not give you the service even after you have paid for it. For instance, the provider may give you the service only if you have upgraded your building to latest standards. In that case, even if you take the home protection plan, you may not benefit from it.

The cost of the warranty

The cost depends on a provider, and it consists of payment of an annual premium of between 250 to 600 US dollars. If there are more items to be added to the basic cover, then the cost increases. If there is a repair that is needed on the covered item, the home warranty provider settles the cost. You will be required to pay a trade fee of between 50 to 100 US dollars per repair visit depending on the company.To know if you need a home protection plan you should weigh the amount you are likely to spend on repairs in relation to the premiums you are supposed to pay. For instance, a policy of 700 dollars that you only use for minor repairs may seem too much while it is favorable if you have many repairs or even a replacement that is costing more.


For a new home with new appliances, chances of repairs and replacement are few. This means that you will end up paying more in premiums than you are getting in services. You may opt not to have the coverage. However, for a house with older appliances and systems, it would be better to have the warranty due to the large number of repairs expected.
A new house may also have a builder’s warranty that covers the first year and you may therefore, not need to take a home protection plan.

The services

If you have a warranty, you do not choose who does the repairs because the provider has its contracted repair technicians. You also do not have a say as to when the repair will take place. If you are uncomfortable with this aspect, it is best that you do not get a cover but pay for the repairs.

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What to do to avoid being disappointed with a home warranty

What to do to avoid being disappointed with a home warranty

When taking a home warranty, one hopes that the high cost of repairing appliances and systems is gone. These home protection plans are also taken by home sellers to protect the buyer from having to incur the cost of repair when they have not stayed in the house for long. Despite the warranty providing peace of mind, there are instances when disappointments can come in. This is because you did not get what you had expected from the warranty provider. Below are some tips that can help you avoid the disappointments.

Read and understand the contract

When getting into the contract, make sure that you understand the fine print. The terms of the contract stipulate what is covered and what the service provider can repair and replace. Different providers have differing coverage with some appliances being covered and others being left out. You may have to pay extra to have your swimming pool covered for repairs while using a particular provider while another provider may include it in the package. It is advisable that before you settle on a particular provider of home protection plan, you should search around and find the one that fits your needs.

Read and understand which systems and appliances are covered and what can be repaired or replaced. This will prevent disappointments in the future when the warranty company fails to repair or replace an item you thought was covered. In some cases, you may not have much choice especially if you buy a home and find that it already has a home warranty. However, you can change afterwards after the one-year contract expires.

Meet other required conditions

For a provider to honor the warranty and fix your systems and appliances there are some conditions that should be met. The appliances and systems should be maintained well, they should be in good working condition and the wear and tear should be normal. Ensure that the systems and appliances are well maintained because lack of proper maintenance can cause the warranty company to fail to make the repairs or to replace.The item covered must be in good working condition when being covered. This means that if your appliance or system is found to have been faulty before taking the coverage, it cannot be repaired or replaced. If the wear and tear is not usual on an appliance or a system, it may form ground for the reason why the provider will not repair it. The same case applies if there is improper installation.


Having a home warranty ensures that you have peace of mind such that you will not incur huge costs when your system or appliance breaks down. This is not always the case because sometimes the service provider may fail to repair your appliances or system for various reasons. Some of the causes being that the service in question is not covered by the contract, the item was faulty, has not been maintained, or it was not installed properly. Therefore, it is your role to ensure that as you look for a service provider, find out about how other customers have rated it. Check the items covered and those that are not. Make sure that you meet the required conditions so that the company can honor the warranty.

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Benefits of home warranties to the buyers and sellers of homes

Benefits of home warranties to the buyers and sellers of homes

Taking a home warranty has its benefits, and that is why most homeowners use the service. Despite that, it is important to do a lot of research to ensure that the warranty provider you use is honest and will honor your claims. You should also choose the one that will meet your needs. The main purpose of a home warranty is to put the mind of the homeowner at ease concerning the repairs of home systems and appliances. Some of the repairs and replacements cost a fortune, and with a home protection plan, one is required to pay the service fee while the warranty provider caters for the rest of the cost.


Benefits for buyers and homeowners


If you are a homeowner, or you have just bought a home, the home protection plan comes in handy to save money on repairs and replacement of appliances and systems. In case you do not have an emergency fund to cater for repairs, especially the unexpected ones, the warranty can come in handy. You can still have the residential service contract even if you have an emergency fund, but you do not want to use it on repairs and replacement of your systems and appliances. Another benefit that arises is that you do not have to look for a contractor when you need repairs in your house. As soon as you report to the warranty provider that your items need repairs, they send a technician who does the job. The only cost you incur is a small trade service fee instead of large amounts of money that the repair may have cost.

Home warranties also come in handy during the home purchase. The buyer is more at ease if the home has a protection plan for the items due to lack of information on how they have been used and maintained before. If the home is new, the buyer may not know if it has been well built and the warranty may serve to bring peace of mind. Buying a home requires a lot of money. You may not be ready for additional expenses in form of repairs and therefore, you may find a warranty helpful. Some warranty providers even provide comprehensive services where appliances and systems are covered without considering their make or age. Some may also not place restrictions on the square footage of the house.

Benefits for home sellers


For a seller, a home warranty provides protection because the buyer will not complain about defects in appliances and systems that may come up later on. Despite this, the seller should still disclose any problems the home may have.Covering a home with a home protection plan when selling is a plus that is preferred by the buyers. This makes the home stand out and to sell faster because the buyers will not have to worry about spending large sums of money on repairs or on replacing the appliances or systems. It also prevents closing delays, which may be caused by system or appliance failure.

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Home warranty - know the facts about what it is, what it is not and what is covered

Home warranty - know the facts about what it is, what it is not and what is covered

Where does the home warranty come in? Having the dishwasher or your heating system or any other appliance or system break down can be stressful, especially if you have not budgeted for its repairs. The warranty reduces the stress of having to bear the cost of repairs for the home appliances and systems. It is a contract between a company that provides home warranty services and the homeowner. The company provides repair services and replacements for appliances and systems for duration of twelve months upon the homeowner paying an annual fee.

The warranty is also useful during the sale a house because it keeps the sellers and buyers minds at peace. The seller does not have to worry about being called by buyer in case the appliances and systems break down after the sale. The buyer is also at ease knowing that there is coverage for the appliances, in case they break down and does not have to spend money for the repairs. Therefore, it is advisable for home buyers to ensure there is a home protection plan in place before buying a house.

How does the warranty work?

Home warranty also goes by the names home protection plan or service contract. It does not take the place of home insurance because it only covers the replacements and repairs of appliances and systems. If your covered system or appliance breaks down, you simply call the warranty company who sends a service technician to rectify the problem. All you need to pay is a small fee for the service. Some of the conditions required for the appliances to be covered are that they must be in working condition at the time of coverage and they should have been properly installed.

What is covered by the warranty?

Different providers have varying coverage with some appliances and systems not being covered. The items covered may also depend on the purchased coverage, which may leave some items out. Therefore, it is important when getting a home protection plan to find out what the warranty provider covers and what is not covered. Some of the appliances covered are dryers, refrigerators and ovens and the systems covered are electrical systems, air conditioning, furnace and plumbing. If there is an uncovered appliance and you would like to have it covered, you can get additional coverage at an extra cost. You can also request a customized package to suit your needs.

What the warranty is not

A home warranty is not insurance, but it can be thought of a supplementary to insurance because it covers the replacements and repairs of appliances that have been covered by the insurance. The homeowner’s policy only caters for the covered peril while the warranty offers relief for the appliances and systems damage due to the daily wear and tear. For instance, if the home is damaged by fire, the insurance company can compensate for the loss including those of the appliances lost. However, if your oven stops working due to the normal wear and tear, the insurance company cannot replace it. The warranty company is the one that repairs or replaces the oven.

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