Tag: az home warranty

Home warranties have many benefits for homeowners that protect their homes and offer peace of mind.  When it comes to buying and selling homes,  both buyers and sellers can benefit from having a home warranty.  One might think that, when selling a home, a home warranty would only benefit the buyer who will take over the home but, in fact, it benefits everyone.

The first and most important benefit for sellers is that it offers a competitive edge in the housing market.  When you go to sell your home, you want to sell it quickly and for top dollar.  With a home warranty, buyers will be that much more attracted to your home because they will feel safe and covered should something go wrong and they will also know that you have taken good care of your home.  If they are considering a similar home in the neighborhood, having a home warranty may give your home the competitive edge it needs to be out the other home.  Additionally, having a home warranty may help lessen the amount of negotiations with the buyer after an inspection because they will feel covered should something go wrong.  Another benefit for sellers is that the home will be covered and protected should something go wrong or break while the home is listed or in escrow.

The seller is certainly not the only one who benefits from a home warranty, the buyer benefits immensely from purchasing a home with a home warranty.  First, purchasing a home is very expensive and you will be spending money on not just the home but on moving expenses and decor. If you purchase a home that has a home warranty, you will not need to worry that a huge repair will pop up, costing you money you may not have readily available.  A home warranty protects home buyers from additional costs for surprise repairs.  Additionally, buyers will have peace of mind that their new home is covered should something break down.

When you move into a new home there is a lot to learn about the new home and having peace of mind that your home is protected is priceless.  An existing home warranty will also make home ownership easier.  When things break down, it can be very frustrating to try to find a reliable and knowledgeable handyman or repairman that can do the job. When you purchase a home with a home warranty, you simply need to call the home warranty company and let them handle it from there.  They will send a trustworthy and experienced handyman to handle your job and will handle all of the legwork.  A home warranty is simply a good choice for both home sellers and home buyers.

Purchasing your very own home is an exciting thing. It’s probably something that you have been looking forward to for your entire life. As a homeowner, you will quickly find that there are a lot of things around your home that need maintenance. No matter when your home was built, it is important to keep up on maintenance and be aware when something is going wrong. If something does go wrong, hopefully you have a good home warranty in place to help you take care of it. Wiring problems are one area of home maintenance where things can go wrong whether or not you had your home wired professionally, recently, or a long time ago. It’s true that your home likely had to pass some sort of inspection when it was built, but that doesn’t make it immune to problems down the road. Here are some common electrical wiring problems you could find around your home and how your home warranty can cover them.

Sometimes the power goes off and there seems to be no apparent reason. You look all over for the source, but can’t seem to identify what would cause the power in your home to go off. Once you check the circuit breakers, you may discover that the breakers have been tripped. There can be various reasons why the breakers in your home would trip. Sometimes the breakers are wired incorrectly, there is a poor connection with the breaker, or there is some issue with the outlet connected to the breaker.

Overloading can be another wiring problem that can cause issues in your home. Overload is when you have too many things going on at once, such as having too many lamps plugged into your wall or extension cords running through your home. This can cause different items and components to heat up and could cause a fire—or trip your breakers, as mentioned above.

High wattage bulbs are another common problem. Some homeowners disregard the wattage limit on a given light fixture and put in bulbs that carry a lot more wattage than necessary. This could cause your bulbs to burn out faster, but it also makes the light base extremely hot—which could also put you at risk for a fire in your home.

No matter how many issues the wiring in your home has, you should still find your electricity bill is staying around normal. If you notice your bill is extremely high, you might want to find out how much your home is actually using and whether or not your meter needs fixing. When your wiring is affecting your bills, it can be advisable to get help identifying the problem as quickly as possible.

Home warranties can be useful in situations where your home is having wiring issues. Although a warranty is not exactly like an insurance policy, it can still protect you and your possessions. With a home warranty in place, you may be able to get someone to come out and fix your wiring problems free of cost to you, for instance. If the wiring problems affected certain appliances in your home that are covered under your home warranty, you may also be able to get those replaced at no cost to you. When you purchase your home warranty, you should make sure you know what it does and does not cover. Having a home warranty that covers electrical wiring can be extremely useful, however, as wiring problems are bound to occur eventually no matter how old or new your home may be.

Owning a home is very exciting, but it also brings with it a lot of responsibility. There are many different common wiring problems you can run into with your home, from tripping breakers to unexplained electricity bills and more. Getting home warranty coverage over the wiring in your home can be very beneficial, especially if you have no idea why you are having such wiring problems. Before purchasing your home warranty make sure you understand exactly what it covers. This way when problems arise, you can rest assured that your warranty will back you up.

The only thing nicer than having an air conditioner in the summer is having an air conditioner that works. It’s best to make sure that your air conditioner is working before the weather starts to warm up. Prevention is always more efficient and usually cheaper than a solution. So make sure that your air conditioner is in good working order before you need it.

Perform a Home Energy Analysis

A home energy analysis will let you know where most of your energy is going and ways that you can cut back on your energy use. A home energy analysis can also give you an idea of how much it will cost to implement energy saving strategies and how much of a return investment you can see. By getting an energy analysis, you can find out how you’re losing cool air and money during the warmer months of the year. If you like, you can also have a qualified technician personally visit you at your home to perform the energy analysis with special equipment. The technician might also give you some energy saving products that you can put to use, like compact florescent light bulbs.

HVAC Maintenance

If you have a home warranty, it’s recommended that you have a HVAC unit maintenance check performed every six months by your warranty provider in order to catch any minor problems that you might be having before they become major problems, major problems that cost you major amounts of money. Maintenance checks can keep your A/C from going on the fritz and save you from possibly spending days without a working air conditioner.

Enroll in Demand Conversation

Check with your utility department to see if they offer a demand conservation program where they switch on your central air conditioning system, electric water heater, heat pump and pool pump to efficiently and safely cycle your air conditioner’s air compressors for short bursts of time whenever an abundance of energy is being used during the warmer months of the year. Demand conservation programs can actually earn you some money on your summer utility bill.

Look for Energy Efficiency Tips

You can also prepare your A/C unit for the summer by looking up tips online that will help you use your home’s energy more efficiently. If you’re trying to go green or reduce your carbon footprint, home energy is a great place to start. You’ll find that most of the tips probably won’t cost you much at all and that you can start implementing them immediately.
Do everything you can to prepare you air conditioner for the summer season. Not only will everyone in your house appreciate it, your wallet will too.

A home warranty in Arizona is not exactly a warranty but a home service contract. It is meant to cover major home repairs and appliance repairs, in order to lower the risk to the homeowners. For an annual fee, the risk management company or home builder who offers the home warranty covers the cost of the repairs. Generally, there is a low deductible for each repair and the associated service call. The deductible is often close to the average cost a service company would charge to drive out to the premises. One of the best benefits of the coverage is that repairs for normal wear and tear are included. To those unfamiliar with service warranties, such as those offered with automobiles, this is a tremendous boon. It prevents surprises that the insured often gets when the provider decides to classify a failure as normal wear and tear and deny coverage. These sorts of issues are hard to resolve and often cause a lot of frustration to the insured. Standard home warranty contracts do not suffer this drawback.

Even though companies that offer a home warranty in Arizona are governed by strict requirements at both the federal and state level, coverage varies widely from company to company. A little bit of research is a good idea before committing to a contract. On the other hand, the home warranty is often exercised more often than the insurance policy for a car. A car policy holder may go many years before having an incident that would call for the insurance company to jump in. At that point, the policy owner finds out whether his or her insurance provider is a good company or not. If it turns out that the company is not on the level, then it is frustrating to have been making payments for years and not being truly covered in the way that the policy owner thought.

A home warranty in Arizona is exercised roughly once a year on the average. The policy owner generally gets to prove the efficacy of his policy at least once during each term. This gives the opportunity to make sure the home warranty is good. It also gives the warranty provider an extra incentive to keep your business.

Many types of insurance policies involve a lot of premiums without a lot of payoff. A home warranty in Arizona is not this way. Over a period of 5 to 10 years, a homeowner can track the premiums against the payouts and find a definite and immediate benefit. Often, the payouts will be almost as much as the total of the premiums. This proves an effective policy.

If a homeowner has done the analysis for a home warranty in Arizona, he may come to the conclusion that he could have accomplished the same thing by putting aside the home warranty payment into a savings account and handle the problems themselves. However, the reality is that most homeowners do not do that. In addition, that strategy would not cover the situation when a lot of problems hit all at once and the savings account is not big enough to handle the expenses. This is the essence of risk management, that the surprises of failed appliances that do not come along at convenient times are handled by a company that is willing to take that risk. The peace of mind that comes with the reduced risk is well worth the expense of a home warranty.

Most consumers that contract a home warranty in Chandler have some familiarity with terms of service contracts and other insurance. This is good because it gives a general idea on these different instruments for risk management. On the other hand, a home warranty differs from all of these other protections in key ways. If you make assumptions that home warranties work exactly the same as other insurances then you may miss out on some benefits, and not understand why others may not be covered. The first thing to understand is that a home warranty in Chandler is different from the car warranty you may have on your vehicle, either from the dealership for from a third party provider. A car warranty only comes into effect if a vehicle part has failed due to unforeseen circumstance, acts of God as it were. It will not cover part that naturally wears out over time. A home warranty does cover parts that wear. In essence, they cover any part repair as long as that part is included in the contract. Many types of home repair and major appliances are generally covered. Another thing to understand is that a home warranty in Chandler will only repair a part that has been broken, not a part that is about to break. Take the example of banging pipes. Noisy pipes are generally an indicator of problems in the water pressure system, but at which component. If a plumber is sent and cannot pinpoint a failing part, then the homeowner may leave the $50 service charge to you. On the other hand, if the pressure problem is due to a regulator that is not set properly, then you will probably have to pay for that call as well. However, if the regulator is defective and needs to be replaced, then the home warranty provider will honor the claim. This is an important point. The provider does not fix noisy pipes (symptoms) only broken parts. This example is important because if the pressure problems persist, a pipe could burst causing extensive damage. Much of this damage could be the responsibility of the warranty provider. In other words, if they had taken preventative measures with the symptoms, they could have avoided having to underwrite a much larger expense. Regardless, they will not do that. Ultimately, the responsibility for taking the risk of the service call lies with the homeowner. A third component of your home warranty in Chandler is how to deal with denying claims due to existing conditions. This could happen if you own a water heater (with an average lifetime of ten years) and purchase your home warranty just after you have owned the heater for ten years, and just before it decides to give up the ghost. Honoring this claim is tricky because it breaks the risk model of the warranty provider. They are insuring for reasonable wear and tear, and expect to receive premiums during the times appliances are wearing out. Denying this claim could well be reasonable. As you work with a home warranty company, you should understand what they are insuring and decide whether their pattern of honoring or denying claims is reasonable. By understanding the coverage terms, you will know exactly what you are contracting. Homeowners that do complete their homework generally find that the coverage for a home warranty in Chandler is worth the money indeed.]]>

Many risk management companies say that a home warranty in Glendale provides peace of mind.  It does not take a long time for a homeowner to find out that they are right.  A normal household has roughly a dozen appliances.  Most of these are essential to comfortable daily living.  They include the heating and cooling system, the water heater, the garage door opener, the washer and dryer, and the oven.  These all have two things in common.  First, if any one of them goes out it could lead to a serious crimp in your lifestyle to say the least.  You could end up frying or freezing in your home, unable to clean your clothes, or unable to get your car out of the garage past the broken garage door opener.  The second thing they all have in common is they tend to have expensive repairs, usually in the hundreds of dollars.

Some feel that they do not need a home warranty in Glendale if they just set aside a special savings fund for home repairs.  The question is how much to put into the fund.  Do you put in an average?  If you open the fund with a year’s worth of estimated expenses and keeping the fund up to date, then you have a good chance of being all right.  However, if your circumstances do not follow the average and you suddenly have several things go out at once (as Murphy always guarantees that it does), then you may be in a pickle.  You may find yourself having to take some money from unwanted parts of your budget, or even making do without the air conditioner or garage door opener for a while.  And honestly, how many people are able to maintain the discipline needed to maintain a repair fund, especially during this down economy?

This is exactly what the home warranty in Glendale is designed for.  The policy comes into effect as soon as you make the first payment.  This could be an entire year’s worth of policy charges, or several payments over the first few months.  In either case, a house worth hundreds of thousands of dollars can get a home warranty in Glendale for hundreds of dollars.  This is not far off from the average costs of keeping a home and its major appliances repaired and working.  This is where the home warranty truly benefits the homeowner.  No matter how much your appliances break down, you can be covered.  This gives you a bit of immunity against Murphy’s most vexing attacks.

The overall idea is that maintaining a home is a game of risks.  Most homes can be maintained in good working order and good appearance with a reasonable savings account.  However, the chances that several expenses can come at once are the risk of the game.  Particularly when money is tight, some families rely on prayer that something does not fall apart and break the bank.  This situation causes a constant anxiety that can reduce health, interfere with sleep, and interfere with the quality of life.  A home warranty in Glendale provides quite a bit when taken from the perspective of the opportunity to reduce risk, and in turn, anxiety.  For this reason, many homeowners find that peace of mind is a terrific boon at only several hundred dollars per year.

Most of the time an Arizona home warranty will cover things such as plumbing and electrical, heating and cooling, and some major appliances such as fridge, built in dishwasher, and stove. While most warranties do not, some policies will include coverage for other appliances such as trash compactor and garbage disposal, built-in microwave and more. You will want to check which policies available cover which things and for what price. Most of the time a home warranty will cost a couple of hundred dollars a year for as long as you want to and can renew it. However, sometimes a home warranty will be a one year thing and be included in the cost of your new home. It is always a good idea to research the terms and costs of various different warranty plans before you purchase any of them so you know that you have the best deal possible. You will want to research whether or not you want an AZ home warranty from your realtor, your builder, or from your insurance company and whether or not you can have multiple policies. Sometimes your home owners insurance will have a home warranty rider that will help cover some things as well. Since policies vary widely you will want to see a sample copy or read over the paperwork before you make any commitments. When you do get the paperwork you will want to really spend time reading over it so that you know exactly what you are getting into. Don’t feel pressure to speed read the contract either, most of the time if the person handing it to you is honest then they won’t mind you taking the time to read and understand the paperwork before you sign.]]>

It doesn’t matter what side of the real estate transaction you are on, or what kind of property is involved: buyers and sellers alike can benefit from an Arizona Home warranty. Despite the fact that the real estate market is on the upswing, it is still a buyers’ market. As a seller, anything you can do to gain an advantage over competing listings will help sell your home faster. Research shows that sellers who include a home warranty in the purchase price of their property find the property sells about fifteen percent faster on average than those that don’t. A home warranty attracts more buyers to your listing and increases the chances of making a sell. Furthermore, if a buyer is trying to decide between two similar listings, an Arizona home warranty can often be the deciding factor. Sellers that offer a home warranty with their listings also have an added layer of protection against potential legal problems. Despite having home inspections performed and a signed Seller’s Property Disclosure, buyers sometimes blame the seller for false representation of the condition of the property, its mechanical systems and appliances simply because they don’t have the money to pay for unexpected repairs shortly after closing. With a home warranty in place, however, there is no need for lawsuits; breakage or malfunctions of built-in appliances and mechanical systems from everyday wear and tear will be covered. As a buyer, you can purchase a property with confidence knowing it has an Arizona home warranty. You wont’ have to worry about unexpected repair expenses shortly after closing when you may be strapped for cash. The seller usually pays for the home warranty, so you don’t even have to worry about the initial premium. The age of the home you are purchasing does not matter; an AZ home warranty will benefit buyers just the same. Obviously purchasing a home with older appliances and mechanical systems is a bit riskier. Even homes with newer or upgraded appliances can malfunction too and most manufacturers void their warranty with the sale of a home. With the decreasing quality of many brands, the increasing amount of computerized components and rising repair costs, a home warranty is a must-have for any home—new or old. Another benefit of a home warranty is it fills in the gaps in coverage left by homeowner’s insurance. While a homeowner’s policy only covers damage that occurs to your home and its contents that occur from hazards, natural disasters, vandalism or theft, a home warranty provides coverage for problems that arise from everyday usage. With one phone call, you can contact the Arizona home warranty company and they will dispatch a pre-screened, certified technician to fix the problem. As you can see, a home warranty offers many benefits and advantages for both the buyer and the seller. It can help the property sell faster and it gives both parties added peace of mind both during and after the real estate transaction. Buying and selling real property can be a very stressful process. Anything that you can do to simplify the process—such as purchasing a home warranty—is money well spent.]]>