The Home Service Club

Among the general population, there is a certain amount of confusion over the difference between a home warranty and a homeowners insurance policy. Some people assume that these are different names for the same thing. Actually, home warranties are very distinct from homeowners insurance. They are neither better nor worse than insurance—they simply cover different items in or around a home and apply in different circumstances. Here are the differences between homeowners insurance and home warranty plans: Homeowners Insurance Homeowners insurance protects policyholders and their property against harm caused by unexpected occurrences. This could include: • Property and system damage caused by a fire • Water damage resulting from a flood or a severe storm • Systems that were struck by lightning • Items stolen by a burglar When an incident like the ones listed above occurs, a policyholder would contact their homeowners insurance provider. After t...

Home warranty plans can pay off for people when they want to sell their houses. It can help instill a sense of confidence in potential buyers by offering protection against vital systems like water heaters and heating systems. However, people who plan to sell their homes should take some steps of their own. Here are a couple of things to watch for in order to get a house ready for the market: Walls and Ceilings When it comes to walls and ceilings, the most important things to look for are mold and water damage. If any signs of water damage appear, it could indicate far greater problems within a house. Water damage could be caused by a leak in the roof or melting ice and snow. It could also result from a malfunctioning water heater, clothes washer or other appliance. Signs include the following: • Stains or discolored areas • Peeling, bubbling or cracking paint and/or wallpaper • Strange odors (could be the result of mildew and mold) • Pooling water Ceilings that show signs of wat...

A home warranty may certainly be a wise investment for a homeowner, since it can save them thousands in repairs or appliance replacements. However, homeowners can drive their expenses down even further with some careful maintenance. Here are a few ways to protect a home and avoid service calls. Check the Roof of the Home Over the wintertime, the shingles or tiles on a house’s roof can get damaged from water, ice and snow. As the weather gets warmer, the heat of the sun can negatively affect sealants and cause cracks in certain areas. As if this were not bad enough, mold can start to build up when the rainy season comes. The mold can damage the roof even further and also lead to structural problems. The wind from Spring and Summer storms can cause shingles to come loose too. Holes in the roof can also Comprehensive home warranty plans can help with repairs to damaged roofs. However, it is still a good idea to do some maintenance on a house’s roof before a serv...

The concept of home warranty plans might perplex some homeowners. They might wonder, “Do people really need home warranty plans? After all, homeowner’s insurance should cover everything that warranties would, right?” Actually, no—home insurance covers household systems and appliances in the event of a fire, flood or other disaster. However, most plans do not offer coverage for general wear and tear. For example, if a home’s refrigerator or water heater simply breaks down one day, the homeowner could end up paying the full price for a replacement if he or she does not have a home warranty. In the case of water heaters, that price could be $500-$1,100. For a new refrigerator, a homeowner could end up spending well over $3,000. Home warranty plans cover occurrences that homeowners insurance policies do not. By paying the affordable home warranty cost, a homeowner can save hundreds or thousands of dollars on repairs and replacements. Here are two major benefits of getting home warr...

A person’s home is one of the biggest investments in his or her life. As people accumulate more and more things over the years, that investment can start to seem never-ending. When disaster hits someone’s home, homeowners insurance can enable them to recover. When stuff just gets worn out or breaks down, however, a home warranty can come in handy. Home warranties help people pay for repairing or replacing their important appliances and systems. How Do Home Warranty Plans Work? Home warranty plans offer protection for devices and systems which people use every day. Homeowners can receive coverage for a wide range of things, including: • Plumbing Systems • Central Vacuums • Garbage Disposals • AC and Heating Systems • Water Heaters • Garage Door Openers • Dishwashers • Washers and Dryers • Ovens • Doorbells • Alarm and Telephone Wiring Some providers do not even require an inspection before purchasing home warranty plans . For an affordable monthly fee, people from Texas and Fl...

When a fire breaks out in someone’s home, insurance can help the homeowner recover. However, what does someone do when the dryer or the refrigerator just stops working? Do they just buy or finance a new one? Most people might think so, but happily, they would be wrong. A home warranty would help them save money repairing or replacing their old systems. What are Home Warranty Plans?   Home warranty plans protect homeowners’ products from everyday wear and tear. They cover many household appliances and systems in situations where homeowners insurance may not apply. Items covered under home warranty could include: • Air Conditioning Systems • Heating Systems • Plumbing Systems • Refrigerators • Ovens • Washers and Dryers • Ceiling fans • Water Heaters Benefits of Home Warranty Plans Natural disasters can cause substantial damage to a house’s plumbing and other systems. Repairing or replacing everything can get expensive very quickly. Homeowners insurance can minimize those c...