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Tag: Home Warranty AZ

When a new home purchase price is set, certain factors can increase or decrease its value. Features such as fireplaces, pools and finished basements add to the overall beauty of a home; however, these immunities come at a cost. Wood and cool burning fireplaces must be serviced and cleaned, pools must be chemically treated and basements are prone to water damage. Home builders, realtors and sellers know that home warranties are an attractive incentive for buyers, which is why they frequently offer them. A lot of new home buyers were formerly renters. It is easy to overlook how expensive home maintenance is, especially when you have never maintained a property over an extended period of time. Previous homeowners might look to purchase a new home because they want to experience maintenance free living, but this is only possible to a certain degree. New home warranties are prepackaged service plans that enable homeowners to select the amount of coverage they need. For instance, some homeowners might only need a home warranty that covers electrical, plumbing, heating and cooling because they already have a comprehensive appliance warranty. There are many new home buyers that specifically seek out homes that have warranties. Just because a home has been recently constructed doesn’t mean that it is perfect. Defects can remain unknown even after an inspection has been performed, and it is not always possible to prove that the seller is responsible. While new home buyers are afforded a number of state and federal protections, getting compensated for home repairs in a timely manner is another story. Home warranties can be purchased as a way to offset these costs, which can be of great benefit if you have just closed on a home. Many new home shoppers prefer home warranties because they help to open up new opportunities. Buying a home that has lower maintenance costs can allow you to buy a more expensive home in a more desirable location. You might even be able to take a vacation or make improvements to your home more easily. Homeowners know that they will eventually need to have their stoves, refrigerators, dishwashers, dryers, washers and water pumps replaced, even if it is many years down the road. They also realize that it will cost money to keep their appliances up and running in the meantime. Although homeowners can receive tax breaks on their home maintenance costs, they know that their finances have to be in good enough shape to afford these costs as they come up. Well constructed new homes can stand the test of time, helping their owners to enjoy maintenance-free lifestyles. Since all of the appliances and systems were purchased and installed at the same time, there is a good possibility that they will need to be replaced at around the same time. Not all homeowners are independently wealthy, and major repairs can place a huge strain on the finances of the average American family. With a mortgage and other household expenses to pay, a home warranty will aid you in tracking your money down to the last dollar. Discover all of your options by comparing different home warranties available on the market.]]>

One universal struggle that homeowners seem to have is how to keep the home cool in the summertime. This can be a huge task, especially if you live in an area where you regularly see triple-digit temperatures in the summer months. How do you keep your home cool without driving up your bills? A little bit of home maintenance may be able to help you out. While not all options will be totally free, you still might be able to save some money by choosing to go with portable AC, whole house fans, insulating your attic, keeping sunlight out, and checking the seals of your home.

Portable AC is just how it sounds: it’s an AC device that you can move around your home. It usually fits inside of a window and helps to keep the hot air out and the cool air in. The nice thing about portable AC is that there are not nearly as many filters that you need to change, and when the hot season is over you can just box it up and put it away until you need it next summer. It also shouldn’t drive your utility bills up ridiculously high.

Whole house fans are another inexpensive way to get the air moving in your home and hopefully keep it cool. Many fans are usually put up inside of an attic to help the air move around the home better. These fans don’t usually require a lot of home maintenance other than the occasional cleaning. You can have as many fans in your house as you want, and they should be cheaper than a traditional central air system.

If you are in the mood to do a little bit of home maintenance, insulating your attic is a great way to protect against the heat. Extra insulation will work to keep the cool air inside and the hot air outside. This can help the air inside your home remain cooler for longer without the assistance of fans and AC. It can also help keep the heat in during the colder months.

One basic thing to get in the habit of is to actually keep as much sunlight as possible out of your house. Sunlight that streams into the house only helps to heat it up. Keep the sunlight out by closing the shades and curtains if it’s going to be shining through a particular window. It’s a simple and inexpensive way to keep that extra heat out.

If your home seems to be hot no matter what you do, you might need to do some home maintenance on the seals of your home. Seals around the windows and doors of your home can actually leak cool air out or hot air in. If you are unsure about the seals of your home, you might want to have a professional look at them. Making sure the seals of your home are in proper shape is a great way to help make sure your home stays cool in the summer.

Staying cool in the summer is something that many homeowners struggle with. Use these 5 tips along with regular home maintenance to keep your home cool while hopefully not driving up your utility bill. Hopefully, it just makes the summer that much more pleasant.]]>

A home warranty is like a garage that covers your entire house and keeps it safe from bad financial weather. It doesn’t matter if you’re buying a home, selling a home or if you currently own a home, there are several special benefits for each category when it comes to having a home warranty.

Benefits for Sellers

Your home will be much more desirable to potential buyers if they see that the home is covered by a home warranty plan. You’ll be able to sale your home that much faster if you get a warranty before putting your home on the market. A second benefit for sellers is that they can avoid extensive delays in closing if they get a warranty for their home, minimizing the odds of an equipment or system failure slowing down the closing process. A third benefit for home sellers for getting a warranty for their home is that they’ll save money if the home repair or problem is caused by a workmanship issue that needs to be fixed more than one time. In some cases, your repairs are covered for 180 days.

Benefits for Buyers

One of the immediate benefits of a home warranty if you plan on buying a home is that you’ll save money and you won’t have to make major changes to your budget to save up enough money for expensive home repairs and appliance replacement. With a home warranty, all you’ll have to pay for is the trade service call. Another benefit is the comprehensive coverage, meaning that your warranty covers appliances as well as systems and that there aren’t any square footage restrictions. A third benefit is that you’ll have a technician that has been pre-screened to take care of your repairs and replacements rather than a technician who may or may not know what they are doing and may or may not have the proper training to adequately handle your particular repair.

Benefits for Current Homeowners

With a home warranty, placing a claim is easy, free and can be done online as well. Something else to think about is that with a home warranty you can call for as many system and appliance repairs as you need without worrying about going over a limit. A third benefit for current homeowners who have a home warranty is that they can save a lot of money on popular appliances if they ever decide to remodel their home or upgrade their appliances. If you don’t already have a home warranty, look into getting one whether you’re buying, selling or currently own a home. Your nerves and your bank account will thank you for it.

Home warranty coverage has never been mandatory. This differs from many other types of insurances. In stark contrast is automobile insurance, which is enforced with a fine in most states. Other optional insurances include life insurance, health insurance (for now), and house payment insurance. Whether a family takes advantage of these insurances depends on their current financial circumstances, their sense of responsibility, and their ability to produce a long-range financial plan. On the other hand, home warranty coverage, although optional, tends to be considered essential to many who contract it.

When a responsible person owns a home, they are concerned about two things: utility and aesthetics. In other words, they want things to work and they want the house to look good. The problem is that when there is a problem with a home or one of the major appliances fails, it is often an expensive repair prospect. For a family that is living on a month-to-month budget, this can mean that the appliance is not going to be fixed for at least a month. If the appliance in question is the air conditioner, and it breaks during the summer, the problems with waiting a month are obvious. Besides the discomfort, the family members may become terminally irritable, and health could be affected. Similar scenarios can be constructed for failures involving the water heater, the house heating system, or the washer / dryer system. This is the first bastion provided by the home warranty coverage, that repairs for key appliances are done within a few hours or days. When critical appliances like the water heater cause a flood that cannot wait for a lengthy repair, home warranty coverage can include emergency service, which can bring a qualified repairperson to your premises almost immediately at any time of the day or weekend.

The second thing that concerns a homeowner is the look of his home. It concerns the neighbors as well. Due to financial circumstances, a family may justify putting off repairs that affect the look of the home, but neighbors may not be so understanding. A home in disrepair lowers the values of the homes in the entire neighborhood. If your neighbor is trying to sell his home, it can cost him actual money. It also attacks the sophistication of the neighborhood, the elements that build a healthy pride in the inhabitants. Of course, not everyone cares what the neighbors think. More fools, they. However, they hurt themselves as well when the state of their home begins to destroy their own pride and self-esteem. Letting your apartment or rented home go to pot a little is one thing, but not taking care of your own property can really be damaging to the psyche.

Of course, you cannot buy what you cannot pay for, but this is when home warranty coverage can be so important. Although a family may struggle to keep up with the costs of home repair, especially when they all come at once, the cost of an annual home warranty is only in the range of several hundred dollars. If a family can budget this amount, then they can take care of problems concerning both how the house looks and how the house works. They can keep their beautiful home looking good and they can make sure that their life goes smoothly and efficiently with the benefit of working appliances.

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.

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.

When the summer hits, you may cringe when you see your electric bill in the mail. Not only does it seem to get higher every year, it seems unusually high this year and you begin to wonder if the problem is in the cooling system itself. You get your answer when on the hottest day of the summer, it dies. You and your family end up sleeping a hotel while you wait on the repair man to show up and help you cool off your house. Don’t you wish you had chosen to buy a home warranty? The warranty for a cooling system is usually broad and will give you the ability to fix whatever problem comes up. This is not always the case when you buy a home warranty so be sure you read the one you have carefully. If you know your system is old or seems to be running too hard, you may want to double check your coverage before the system dies. You want your coverage to be comprehensive for the problem you need fixed. The added bonus you receive when you buy a home warranty is the network of repair people that are now at your disposal. The warranty will have a network they prefer and many of these service people are professional and can be available on a holiday. You will not pay more for their holiday time because the service call is the same price regardless of the time of day or the time of year. This is not usually the case when you call a non-warranty company to service your cooling system. They will charge more for after-hour calls and even for holiday calls. Since you don’t know when your system will go out, you will have to be prepared for any cost without a home warranty. When you buy a home warranty, you are not only protecting yourself from surprise repairs and exorbitant bills that wreak havoc on your budget, you are protecting your house. If the cooling system breaks in your house and you are unable to pay for a new one, your house will get abnormally hot and humid. Your cooling system provides an equalizer of sorts between the outside heat and humidity and the coolness in your house. It will keep the floors from warping and the paint from peeling. When your house is properly cooled, it will also protect the appliances, electrical outlets, and your own belongings inside the house. If you house gets too hot, things can start to melt, crack, and swell. When this happens, it is difficult to fix when the cooling system is finally fixed. A cooling system that is left too long without being used either for cooling purposes or heating purposes can begin to have other service problems that may have nothing to do with the original problem. Vents can become clogged and dirt can build up within the ducts. When you’ve had the cooling and heating system off for any period of time, turning it on can produce a lot of dust, bugs, and sometimes even critters that found their way into the house and didn’t need to leave when the system was turned on. Choosing to buy a home warranty can help you make necessary repairs in a timely manner.]]>

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.]]>