| Home warranty is a kind of insurance that protects | | | | recommended to go with the home inspector |
| your home appliances. You pay annual premium and in | | | | suggested by real estate agent as it creates a conflict |
| addition, you will pay service call fee per repair incident. | | | | of interest. |
| American home shield is one of the leading providers | | | | Choose the company that has good reputation. After |
| of home warranty services which are also known as | | | | all, you need an insurance that helps you in tough times. |
| home service contracts. There are many such | | | | If the company is provides shady service, then what is |
| providers and some are limited to one or few states. | | | | good is the insurance for? Make sure you check |
| Other companies such as American will provide | | | | reviews of the company online and offline. Call up your |
| nationwide coverage. | | | | friends and check which company they are using and |
| American home shield is also known by the name | | | | ask if they are happy with the service they are |
| AHS warranty which is a subsidiary of Service Master | | | | receiving. Most importantly check if they had to get |
| Company. If you are looking to buy home warranty | | | | any major appliance such as heater or air conditioner |
| coverage, then AHS is definitely one of your top | | | | repaired or replaced. If the warranty company did a |
| choices. However, do not limit your selection choices. | | | | good job, then you may want to check their offer and |
| Review the offers from other companies in the | | | | price. AHS prices are generally bit expensive when |
| market. Some companies offer really low rates, but | | | | compared to other offers. So if you find a reasonable |
| that does not mean you have to go with the company | | | | company that offers good service and rate, why not |
| that offers lowest of rates. As the saying goes, you | | | | go for it? |
| generally get what you paid for. So you must be | | | | New home warranty coverage is effective from 30 |
| cautious whenever you choose a service based on | | | | days of purchase date with most insurance |
| the rate only. | | | | companies. However, American Home Shield policy is |
| Before you decide to buy the policy, determine if you | | | | effective immediately, which is a great offer |
| really need home warranty. General rule of thumb is | | | | considering that you do not need to wait 30 days |
| that if your major appliances are older than 10-12 | | | | before you file your first claim. You can also cancel |
| years, then you probably need to plan for maintenance | | | | your policy within a month if you are not satisfied with |
| and repair work. The replacement cost of big | | | | the coverage. If you need to cancel after 30 days, you |
| appliances such HVAC far exceed what you typically | | | | should call the customer service number but you may |
| spend on the premium of the policy, so your decision | | | | have to pay some fees unless you are moving. |
| would be justified. However, please be aware that all | | | | The busy homeowners who do not have time or |
| home warranty companies require YOU to do get the | | | | inclination to fix minor problems with home appliances, |
| annual maintenance inspection done by a professional. | | | | this kind of insurance comes handy. If do not have |
| Failure to do or keep records of such maintenance is | | | | such coverage, then you will have to screen few |
| considered to be a violation of your contract they your | | | | contractors, check their references and wait until show |
| reject your repair claims. | | | | up for work. This may take some time and if you are |
| Aged homes generally need home warranty | | | | not willing to wait, you may want to consider home |
| protection as they tend to have appliance reaching the | | | | service contract. As with any insurance, do not |
| end of the life and replacement costs will be on the | | | | assume that you have blanket coverage. Problems |
| higher end. Most of new and existing homes are sold | | | | caused due to care negligence or lack of maintenance |
| with home warranty policies as an incentive to the | | | | will not be covered and you may have to spend your |
| buyer. This is also one of the reasons warranty is | | | | own money to get the repair work done in such |
| overused as a sales utility rather than the actual | | | | scenarios. Overall, if you have aged appliances and if |
| insurance. For the same reason, home buyers are | | | | they are costly to repair or replace, you should get |
| recommended to have a professional inspector | | | | some kind of coverage. |
| inspect appliances before the closing date. It is NOT | | | | |