A forgery 50 years ago; a deed executed under duress; bigamy that went unknown; an error by a clerk in the county recorder’s office; a misapplied tax payment— these are but a few of the hidden “title defects” that could cause you to lose your property. And, even if you don’t lose your property altogether, title problems could make it impossible for you to sell. You don’t want a problem that occurred long before you bought your property to deprive you of ownership or your right to use or dispose of it.
And you don’t want to pay the potentially high cost of defending your property rights in court. An Owner’s Policy of title insurance is your best protection against potential defects that can remain hidden despite the search of public records. A Loan Policy of title insurance also exists to protect your mortgage lender’s interest. For a one-time premium, First American will issue you a policy protecting you against covered losses suffered due to undetected defects that existed prior to the issue date of your First American policy, up to the amount of the policy.
Your First American title insurance policy also provides for legal defense costs unless the matter is excluded or excepted. Your title insurance policy protects you against potential defects such as: Forged deeds, mortgages, satisfactions, or releases Deed by person who is insane or mentally incompetent Deed by minor (may be disavowed) Deed from corporation, unauthorized under corporate by-laws or given under falsified corporate resolution Deed from partnership, unauthorized under partnership agreement Deed from purported trustee, unauthorized under trust agreement Deed to or from a “corporation” before incorporation, or after loss of corporate charter Deed from a legal nonentity (styled, for example, as a church, charity, or club) Deed by person in a foreign country, vulnerable to challenge as incompetent, unauthorized, or defective under foreign laws Claims resulting from use of “alias” or fictitious name style by a predecessor in title Deed challenged as being given under fraud, undue influence, or duress Deed following nonjudicial foreclosure, where required procedure was not followed Deed affecting land in judicial proceedings (bankruptcy, receivership, probate, conservatorship, dissolution of marriage) unauthorized by court Deed following judicial proceedings subject to appeal or further court order Deed following judicial proceedings where all necessary parties were not joined Lack of jurisdiction over persons or property in judicial proceedings Deed signed by mistake (grantor did not know what was signed) Deed executed under falsified power of attorney Deed executed under expired power of attorney (death, disability, or insanity of principal) Deed apparently valid, but actually delivered after death of grantor or grantee, or without consent of grantor Deed affecting property purported to be separate property of grantor, which is in fact community or jointly owned property Undisclosed divorce of one who conveys as sole heir of a deceased former spouse Deed affecting property of deceased person, not joining all heirs Deed following administration of estate of missing person who later reappears Conveyance by heir or survivor of a joint estate who murdered the decedent Conveyances and proceedings affecting the rights of service member protected by the Service-Members Civil Relief Act Conveyance void as in violation of public policy (payment of gambling debt, payment for contract to commit crime, or conveyance made in restraint of trade) Deed to land including “wetlands” subject to public trust (vesting title in government to protect public interest in navigation, commerce, fishing, and recreation) Deed from government entity, vulnerable to challenge as unauthorized or unlawful Ineffective release of prior satisfied mortgage due to acquisition of note by bona-fide purchaser (without notice of satisfaction) Ineffective release of prior satisfied mortgage due to bankruptcy of creditor prior to recording of release (avoiding powers in bankruptcy) Ineffective release of prior mortgage or lien, as fraudulently obtained by predecessor in title Disputed release of prior mortgage or lien, as given under mistake or misunderstanding Ineffective subordination agreement causing junior interest to be reinstated to priority Deed recorded but not properly indexed so as to be locatable in the land records Undisclosed but recorded federal or state tax lien Undisclosed but recorded judgment or spousal/child support lien Undisclosed but recorded prior mortgage Undisclosed but recorded notice of pending lawsuit affecting land Undisclosed but recorded environmental lien Undisclosed but recorded option, or right of first refusal, to purchase property Undisclosed but recorded covenants or restrictions, with (or without) rights of reverter Undisclosed but recorded easements (for access, utilities, drainage, airspace, views) benefiting neighboring land Undisclosed but recorded boundary, party wall, or setback agreements Errors in tax record (mailing tax bill to wrong party resulting in tax sale, or crediting payment to wrong property) Erroneous release of tax or assessment liens, which are later reinstated to the tax rolls Erroneous reports furnished by tax officials (not binding local government Special assessments which become liens upon passage of a law or ordinance, but before recorded notice or commencement of improvements of which assessment is made Adverse claim of vendor’s lien Adverse claim of equitable lien Ambiguous covenants or restrictions in ancient documents Misinterpretation of wills, deeds, and other instruments Discovery of will of supposed intestate individual, after probate Discovery of later will after probate of first will Erroneous or inadequate legal description Deed to land without a right of access to a public street or road Deed to land with legal access subject to undisclosed but recorded conditions or restrictions Right of access wiped out by foreclosure on neighboring land Patent defects in recorded instruments (for example, failure to attach notarial acknowledgment or a legal description) Defective acknowledgment due to lack of authority of notary (acknowledgment taken before commission or after expiration of commission) Forged notarization or witness acknowledgment Deed not properly recorded (wrong county, missing pages or other contents, or without required payment) Deed from grantor who is claimed to have acquired title through fraud upon creditors of a prior ownerAnd extended coverage may be requested to protect against such additional defects as: Deed to a purchaser from one who has previously sold or leased the same land to a third party under an unrecorded contract, where the third party is in possession of the premises Claimed prescriptive rights, not of record and not disclosed by survey Physical location of easement (underground pipe or sewer line) which does not conform with easement of record Deed to land with improvements encroaching upon land of another Incorrect survey (misstating location, dimensions, area easements, or improvements upon land) “Mechanics’ lien” claims (securing payment of contractors and material suppliers for improvements) which may attach without recorded notice Federal estate or state inheritance tax liens (may attach without recorded notice) Preexisting violation of subdivision mapping laws* Preexisting violation of zoning ordinances* Preexisting violation of conditions, covenants, andrestrictions affecting the land* .
..And many more Let First American help you avoid title problems. *Under certain policy forms As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some coverage may not be available in a particular area or transaction due to legal, regulatory or underwriting considerations.
Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved. Previously ViewedSee Also: First Evangelical Church Memphis
An appliance is one of the most significant investments you will at any time make. Appliances are normally hefty purchases, and are a single from the most crucial parts of your home. You count on appliances for every thing from cooking to cleansing, and especially taking into consideration the level of dollars you can be putting forth for it, it only is smart that you would wish to be sure you make the most practical acquire.
Home appliances can be a expression and that is applied pretty commonly right now but exactly what does it stand for? Residence appliances stand to the mechanical and electrical items which might be utilised in your house for that operating of the usual domestic.
How do we keep this site running? This post may contain affiliate links — the cost is the same to you, but we get a referral fee. Compensation does not affect rankings. Thanks! When choosing a home warranty company you need to do one thing: READ THE FINE PRINT. That’s “read the fine print” in case that was a bit too fine 😉 Many customers find themselves frustrated with a company for not paying claims for appliance repairs or the replacement of systems.
If the company refuses to pay for it, then there is most likely a written exclusion in your contract. So before we go any further, promise you’ll read every word of your contract! What Is A Home Warranty? So, what exactly is a home warranty anyway? Home warranty insurance protects you financially from certain defects or malfunctions that may occur after you have purchased your home. It does not cover things like roof, fire/flood damage and other things typically covered by homeowners insurance policies.
Items typically covered are appliances, HVAC, plumbing system, electrical system and other appliances and systems. Items covered will vary depending on the company and plan you choose. Fortunately, with many options available, you can choose the right fit for you and your home. The idea, as with any insurance, is that through regular small payments, you’ll be protected from an unexpected, large, and potentially unmanageable financial bill.
You hear all of those scary stories about a home warranty provider “fixing” your appliance or system and a couple of weeks later it’s broken again. Our reviews will help you find a provider who will fix it right the first time so it lasts. What is the Average Cost of Appliances and Systems? Here is a table of average repair and replacement costs across the nation for some common household items.
A home warranty plan could help you to avoid these types of unexpected expenses. Household Item Equipment Cost Repair Cost Total Replacement Cost Clothes Dryer $600 $130 $730 Clothes Washer $700 $100 $800 Refrigerator $1,100 $150 $1,250 Dishwasher $600 $130 $730 Oven/Range $800 $115 $915 Air Conditioner $2,200 $300 $2,500 Wall Furnace $2,700 $115 $2,815 Heating and Ductwork $2,900 $390 $3,290 Water Heater $800 $90 $890 Main Electrical Panel $700 $210 $910 Total Protect Review #1 Visit Website Total Protect (the same company as HMS Home Warranty) takes 1st place due to its customer service.
From our research, they appear to resolve negative experiences in a timely fashion. As you read further in this article, you’ll see that customer service seems to be an issue for home warranty providers. They also have a 180-day workmanship guarantee. TotalProtect is the only home warranty company that offers this guarantee. Pros Cons 180-day guarantee on workmanship It appears they are fairly responsive to negative reviews and try to remedy the issue Good customer service Covers a wide range of appliances and systems File claims 24/7 online or on the phone Available in 49 states (not Hawaii) They go by many names so you may have to look under a different name to find them in your area BBB rating: B No “build your own” plan TotalProtect is one product offered by Cross Country Home Services, Inc.
(CCHS). Another well-known product in the CCHS family of brands is HMS Home Warranty. Total Protect’s Deductible Options Homeowners can choose from a $75, $100 or $125 deductible. Selecting a higher deductible lowers your monthly premium. Plans Total Protect offers three coverage plans. Appliances Plan Systems Plan Combo Plan Refrigerator Garbage Disposal Covers everything from both the Appliances and Systems plans.
Range/Cooktop Air Conditioning (2 units) Also provides Homeowners Insurance Deductible Reimbursement up to $500 (one claim per 12 months) Wall Oven Heating (2 units) Range Exhaust Hood Water Heater Microwave (Built-in) Toilets Trash Compactor (Built-in) Plumbing Lines & Stoppages Dishwasher (Built-in) Sump Pump Clothes Washer Whirlpool Bath Clothes Dryer Attic/Whole House Exhaust Fan Central Vacuum Door Bells & Chimes Garage Door Opener Smoke Detectors Main Breaker/Fuse Panel Box Interior Electrical Lines Interior Gas Lines All plans also include: Unknown pre-existing condition coverage Rust and corrosion coverage No annual aggregate caps No inspections required Option to cover additional items like pools and septic tanks Discount TotalProtect is currently offering our readers many great incentives: $100 off new combo warranty plans; your first month free on any plan; $50 gift cards and more! Just use this link to get started.
You can also visit our dedicated TotalProtect coupon page to discuss offers. Read our in-depth TotalProtect Review American Home Shield Review #2 Visit Website American Home Shield is a well-known home warranty company, which is partially why they were chosen for 2nd place. However, almost 8,000 complaints have been filed with the Better Business Bureau. We understand that with any company there will be customers who do not like the service and with about 8,000 complaints, that’s much higher than other companies in this article.
A large portion of these complaints object to the company’s failure to cover the cost of the full appliance or system. This is why AHS didn’t get our #1 pick for best home warranty. However, if you read below, you will see that is not what AHS does. We think AHS could work on clearing up this misunderstanding with its customers. Pros Cons More than 1 million homeowners covered Receive discounts on appliances and air filters Make a custom plan Covers all appliances and systems regardless of age or make/model Make a service request online Over 40 years experience BBB rating: B AHS may choose to repair an appliance/system over and over instead of paying for a new one.
So it may be a hassle for you if your item continues to break. Some customers say they spend too much time on the phone trying to get a claim approved Service Call Fees American Home Shield offers three trade service call fee levels. Some things you’ll want to remember are that you don’t pay for the actual repair or replacement cost for the covered items. Your contract will cover the repairs and replacements regardless of age, make and model.
American Home Shield’s Service Call Fee Options $75 $100 $125 Plans AHS offers four different home warranty plans to help protect your wallet. As with most of these companies, pricing is not available on the website in a generic format so you must input your information for a quote. Appliance & Systems Plans Both the Appliance Plan and System Plan cover the repair or replacement of the following items: Appliance Plan Systems Plan Refrigerator Air conditioning (including ductwork) Dishwasher Heating (including ductwork) Clothes Washer Electrical Clothes Dryer Plumbing Range/Oven/Cooktop Water Heater Built-In Microwave Oven Garbage Disposal Free-Standing Ice Maker Instant Hot/Cold Water Dispenser Trash Compactor Central Vacuum Garage Door Opener Smoke Detector Built-In Food Processor Doorbell Ceiling Fan Build Your Own Plan Select 10 or more items from the Appliance and/or Systems Plans to have covered.
This way you aren’t paying for items that aren’t as important to you or that you don’t have. Combo Plan The Combo Plan includes everything in the Appliance and Systems Plans (a total of 21 items). On average, you will save $14/month with this plan instead of purchasing the Appliance and Systems Plans separately. Optional Add Ons Here are some additional add-ons available at an extra cost: pool/spa, well pump and septic plumbing.
Discount American Home Shield occassionally has seasonal discounts, visit our dedicated AHS coupon page to discuss current offers. Read our in-depth American Home Shield Review America’s 1st Choice Home Club Review #3 Visit Website New to our top three this year is America’s First Choice’s (AFC). Its website is well laid out and simple to digest. This company is also very clear about its offerings.
With most companies you have to dig through pages of their website, place calls and request quotes to get the information you need. AFC however, has all of their information right on their website. All you have to pay is a $60 service call fee per claim. This brings us to ask, are they too good to be true? Pros Cons Cover your home systems and appliance despite their age and offer and unlimited number of repairs Very clean and easy to use website $7,500 limit of liability, AFC claims this is the highest in the market place BBB rating: B Available in 48 states Mixed reviews by customers.
Some love it while others hate it. Not available in Alaska and Hawaii Plans There are three plans offered by America’s 1st Choice. Bronze Silver Gold Optional Add-Ons Water Heater (Gas and Electric) Clothes Dryer Everything from Silver and Bronze Plans Double Oven Air Condition/Cooler (1 Unit) Clothes Washer Electrical System Pool Equipment Heating System or Built-In Wall Unit Refrigerator Plumbing System Spa Equipment Water Heater (Gas and Electric) Ductwork Well Pump Oven Telephone Wiring Sump Pump Range Central Vacuum Stove/Cooktop Stand Alone Freezer Dishwasher Second Refrigerator Garbage Disposal Septic System Garage Door Opener Duplex Triplex Quadplex Read our in-depth America’s 1st Choice Home Club Review What Other Home Warranty Companies Did We Review? Other home warranty companies we reviewed that did not make our top three list are below.
To go directly to a company’s review, click on one of these links below. 2-10 Home Buyers Warranty | Buyers Protection Group (BPG) | Choice Home Warranty | Fidelity National Home Warranty | First American Home Buyers Protection | The Home Service Club | HSA Home Warranty | Home Warranty of America (HWA) | Landmark Home Warranty | Old Republic Home Protection | OneGuard Home Warranty | Select Home Warranty | Stanley Warranty 2-10 Home Buyers Warranty Review Visit Website 2-10 Home Buyers Warranty states, “It says we are in the business of promises kept… and promises kept make our customers happy.
” Unfortunately, customers don’t feel like they are getting the service they are promised according to reviews we’ve read online. Pros Cons 24/7 customer service 10-year new construction structural warranty that covers physical damage or defects to load-bearing parts of your new construction home including load-bearing walls and partitions, beams and girders, columns and floor and roof framing BBB rating: A- Goes into effect when other coverage runs out or expires, including manufacturer’s warranties or one-year workmanship coverage Has covered 5.
5 million homes Customers complain that they don’t always honor the warranty agreement Customers not always reimbursed for out-of-pocket expenses and if you are reimbursed it may take some time to get it Coverage Plumbing, Electrical Panel and Wiring, Refrigerator, Oven, Dishwasher, Furnace, Air Conditioner/Freon Split System, Hot Water Heater, Roof, Built-In Microwave, Disposal, Trash Compactor, Clothes Washer & Clothes Dryer Buyers Protection Group – BPG Home Warranty Review Visit Website Buyers Protection Group (BPG) seems to consistently let their customers down according to some review sites.
They don’t have the best reputation that we can see, but somehow they have an A+ rating from the BBB, so they must be doing something right. Pros Cons In business for more than 23 years Can be transferred to a new homeowner if you sell your home BBB rating: A+ Customers complain that they say they’ll cover a claim and won’t Not the best technicians Not available in all states (only 14) Pricing Prices and items covered vary depending on which state you live in.
See BPG’s website to see pricing and items covered for your state. It’s in the Warranty Brochure PDF. Choice Home Warranty Review Visit Website Choice Home Warranty (CHW) is the least reputable home warranty company we have found in our research. They have a government write-up on the BBB stating that they “alleged that CHW induced consumers to buy the so-called “home warranties” – which were actually service contracts – by stating they offered “comprehensive” coverage.
The Division alleged that CHW then used deceptive tactics to deny consumers’ claims, such as denying claims if the consumers were unable to submit multiple years’ worth of maintenance records. As a result, consumers who paid hundreds of dollars for CHW’s “warranties” were required to pay out-of-pocket for air conditioning, refrigerator, or other repairs that were purportedly covered.” This is a big claim to throw at a company and in our eyes Choice Home Warranty must have done some pretty awful things to their customers to deserve this type of accusation.
Ask your neighbors as service can vary by location but you may want to consider other home warranty companies. Fidelity National Home Warranty Review Visit Website Fidelity National Home Warranty can be a hit or a miss for customers. Some have been loyal customers for years filing many claims and being happy with their services, while others haven’t been so lucky. Depending on what your coverage needs are, Fidelity National Home Warranty may be a good fit for you and your home.
Pros Cons Covers any home, no matter its age BBB rating: A+ Extra cost for refrigerator, washing machine/dryer and air conditioning coverage Doesn’t reimburse you for services done outside of the contract Only available in 7 U.S. states: CA, AZ, NV, TX, CO, WA and OR Coverage Fidelity National Home Warranty doesn’t clearly spell out any plans they have. Below is a list of the standard coverage offered by them, however, it may vary by state: plumbing system and stoppages, toilets, sump pump (permanently installed), bathroom whirlpool motor pump, recirculating hot water pump, water heater, heating and ductwork, electrical system, telephone system, central vacuum system, garage door opener, ceiling fans, attic and exhaust fans, smoke detectors, doorbells, dishwasher, range/oven/cooktops, built-in microwave, instant hot water dispenser and trash compactor.
Optional Add-Ons The add-ons are an extra cost: Kitchen Refrigerator Clothes Washer Clothes Dryer Air Conditioning Pool and Spa Equipment Limited Septic and Roof Leak Repair First American Home Buyers Protection Review Visit Website First American Home Buyers Protection offers plans that become effective 30 days after enrollment. At the time of this writing, there are more than 2,600 complaints on the Better Business Bureau that have been resolved in the past three years.
Reader feedback states they are displeased with their customer service from First American. Pros Cons Over 30 years of service Covers 35 of the 50 states, which is more than some companies BBB rating: B Reader feedback states that they have parts replaced over and over instead of getting a new appliance/system, which makes them go long times without their appliance/system working A large portion of customer reviews online are negative According to readers, over the phone communication with them can be lengthy and sometimes get you nowhere Plans First American Home Buyers Warranty offers two different plans: Basic Plan and Premier Plan.
The Premier Plan covers everything in the Basic Plan. Basic Premier Optional Add-Ons Range/Oven/Cooktop Everything in the Basic plan Additional Refrigeration Dishwasher Ductwork Well Pump Garbage Disposal Garage Door Opener Central Air Conditioner Built-In Microwave Electrical Pool/Spa Equipment Trash Compactor Plumbing Kitchen Refrigerator Plumbing Stoppages Ceiling/Attic/Exhaust Fans Heating Instant Hot Water Dispenser Water Heater Clothes Washer Central Vacuum System Clothes Dryer The Home Service Club Review Visit Website | Call: 800-823-6009 The Home Service Club (HSC) was previously a close 2nd for Best Home Warranty Company, but this year Total Protect and other companies leapt farther ahead, removing HSC from the top three.
HSC’s Better Business Bureau page raises some concerns for us in the customer service department. There have been a “pattern of complaints” regarding The Home Service Club’s response to customer concerns about repairs being covered or sometimes getting no response at all. HSC has told the BBB that it is trying to resolve these issues; however, until we hear better reviews from HSC customers we can’t recommend them.
Pros Cons Repairs and replacements occur quickly Covers the appliance/system regardless of age, make or model Does not offer service in California BBB rating: D+ Many customer service complaints Service Call Fees HSC has three options for trade service call fee payments. Basically, these work like deductibles. This fee is the amount you will pay out of pocket for a service call (other deductibles may apply as well, so again, please read your contract).
Choosing a higher call fee payment will lead to a lower monthly warranty cost. The actual monthly price of your plan will depend on your location and other factors. Home Service Club’s Service Call Fee Options $65 $95 $125 Plans Home Service Club offers two coverage plans, Standard and Comprehensive. With the Comprehensive Coverage homeowners get all the items in the Standard Coverage as well.
HSC also offers additional add-ons that can be purchased individually. Standard Coverage Comprehensive Coverage Optional Add-Ons Air Conditioning Alarm Wiring Additional Water Heater Ceiling Fans Doorbells Clothes Dryers Central Vacuums Ductwork Clothes Washers Electrical Systems Gas Leaks Dishwashers Garage Door Openers Instant Hot and Cold Water Dispenser Freestanding Additional Refrigerator Garbage Disposal Pest Control Freestanding Freezers Heating Systems Plumbing Stoppage Coverage Freestanding Icemakers Plumbing Systems (Faucets) Recirculating Hot Water Pump Jetted Bathtubs Water Heater Smoke Detectors Pool and/or Spa Equipment Clothes Dryer Sump Pump Refrigerators - Built-In Units with Dual Compressors Clothes Washer Telephone Wiring Roof Coverage Dishwasher Water Leaks Sewage Ejector Pump Food Centers Built-In Whirlpool Motor and Pump Assemblies Spa and Spa Heater Freestanding Icemakers Whole House Exhaust and Attic Fans Water Softener Microwave Oven Built-In Well Pump Ovens/Ranges/Cooktops Refrigerators Trash Compactors So, you will need to pick a service call fee amount (the lower the service fee, the higher the monthly fee) and pick a plan (standard vs.
comprehensive) to get started. The least expensive option will always be the most expensive service fee and standard coverage. Discount Home Service Club occassionally has seasonal discounts, visit our dedicated HSC coupon page to discuss current offers. Read our in-depth Home Service Club Review HSA Home Warranty Review Visit Website HSA Home Warranty is a hit or miss. Customers either have great service from HSA or horrible service.
If you’re interested in HSA, we suggest calling and asking to speak with customers in your area. Seeing how they perform with customers near you will help you decide if they’re a good fit for you. Pros Cons 7 Star Upgrade is a great offer: $250 credit towards permits, $250 towards code violations, removal & disposal of replaced equipment and more BBB rating: B Mixed reviews from customers.
HSA either does a great job on a claim or does a terrible job, according to customers. Pricing Pricing and coverage vary based on location. Go on HSA’s site to see what they cover for your zip code. Home Warranty of America Review Visit Website Home Warranty of America (HWA) is one of the largest sellers of home warranty services. HWA has received awards for its services and what we like best about them is that they are very transparent about their offerings.
HWA was close to making it to our top three this year but what it came down to was Total Protect’s desire to please their customers and their 180 day workmanship guarantee and AFC’s transparency. Pros Cons 24/7 customer service Majority of the reviews online are positive BBB rating: B Been in business since 1996 Coverage for all 50 states Reports of technicians being unprofessional (this can vary on location) Plans and Pricing Service Fees are $75 each or the actual cost of replacement/repair, whichever is less.
(This fee can vary by state.) Although plans vary by state, HWA typically offers two different plans, which we have in the table below. Coverage for the plan may vary depending on where you live, but here are the basics. Premier Premier Plus Optional Add Ons Heating Air Conditioning Stand Alone Ice Maker Ductwork Increases Toilet Replacement up to $500 Freezer Plumbing Plumbing - Fixtures, faucets, shower heads, stopages/clogs Pool/Spa Stoppages/Clogs Everything in the Premier plan Well Pump Toilet Septic Tank Pumping Permanent Sump Pump Septic System Water Heater Roof Leak Repair Instant Hot Water Dispenser Whirlpool Bath Tub Electrical Ceiling/Exhaust Fans Door Bells, Burglar & Fire Alarm Systems Central Vacuum Dishwasher Garbage Disposal Built-in Microwave Range/Oven/Cooktop Trash Compactor Garage Door System Kitchen Refrigerator w/ Ice Maker Washer/Dryer Landmark Home Warranty Review Visit Website Landmark Home Warranty has plans to expand nationwide but for now it is only available in six states.
If you live in one of the six states Landmark offers coverage in, we recommend giving them a serious look. We found many positive reviews online for them and if they were nationwide, we’d consider them for our top three. Perhaps in the future you’ll see them towards the top of our article. Pros Cons We found more positive than negative reviews BBB rating: A- Only available in 6 U.S. states: AZ, ID, NV, OR, TX and UT Must upgrade to get appliances covered Plans and Pricing Below is an overview of the plans available.
To see specifics, we recommend visiting Landmark’s website directly via the link above. Home Systems Plan: $35/month Total Protection Plan: $56/month Plan Add-Ons Air Conditioning Everything from Home Systems Plan Booster Pump Heating Central Vacuum Salt Water Equipment Electrical Garage Door Opener Washer/Dryer Ceiling & Exhaust Fans Dishwasher Septic System and Plumbing Water Heater Garbage Disposal Exterior Pipe Leak Repair Plumbing Oven/Range-Cooktop Garage Door Opener Drain Line Stoppages Built-In Microwave Swimming Pool/Hot Tub/Spa Toilets Kitchen Exhaust Fan Ice Maker Refrigerator Grinder Pumps Washer/Dryer Water Softener Well Pump Roof Leak Repair Refrigerator Old Republic Home Protection Review Visit Website Old Republic Home Warranty claims to be the third largest home warranty provider in the nation.
We haven’t read the best customer service reviews and think they may need to focus more on their customers. After being in business for 40 years, we feel they should have a better reputation than what they have. Pros Cons In business since 1974 Available 24/7 for your to report claims BBB rating: A+ You don’t always get the best contractor Many customers are displeased with their service Only covers 23 of the 50 states Coverage Here is a list of some of the basics that Old Republic Home Protection covers.
Based on your location more items are covered, but you will have to go to their website directly and choose your state to see what they have to offer for you. Washer Dryer Kitchen Refrigerator Enhanced Drain Line Stoppage Coverage Garage Door Opener Polybutylene Pipes Read our in-depth Old Republic Review OneGuard Home Warranty Visit Website OneGuard Home Warranty is relatively small compared to the other companies listed in this article.
Since they’re smaller they have fewer customers, which should mean that they are able to spend more time on those customers to make sure that they have a good experience. However, according to our research, their customer service reviews aren’t any better than the competition. Pros Cons Received the Angie’s List Super Service Award in 2014 and 2015 Has an average response time of 1 business day Only covers Arizona, Texas and Nevada Not BBB accredited Coverage OneGuard Home Warranty claims to cover all major home systems and appliances in addition to the following: A/C & Heating System Tune-Ups Sprinkler System Termite & Pest Control Weed Control You can learn more about what OneGuard Home Warranty covers by going to their website and getting a quote.
Select Home Warranty Review Visit Website Select Home Warranty can get your appliance or system fixed quickly. However, getting in touch with them in the first place can be a difficult task. They don’t have the best reputation when it comes to responding to customers’ phone calls. Pros Cons Make a claim 24/7 Takes care of your appliance/system in a timely fashion Getting reimbursements and refunds can be a daunting task Not the best customer service reviews Not BBB accredited Plans, Coverage and Pricing Select Home Warranty offers three different package to cover your home appliances and systems.
Service fees are usually $60 but can vary based on your state. The Gold Care includes everything in the Bronze Care and the Platinum Care package includes everything from the Bronze and Gold Care packages. Read our in-depth Select Home Warranty Review Stanley Warranty Review Stanley Warranty was previously in this comparison but has terminated its services. Which Home Warranty Company Should I Pick? Of utmost importance is to remember that your home has specific appliances and systems that you want to be sure are covered.
So, when you’re talking to representatives from each company be sure to ask about your specific needs. The more questions you ask the better off you are and the fewer surprises you will have later down the road. Look at multiple companies, ask for quotes and most importantly, read the fine print! Is a Home Warranty Worth It? We believe that when a major (and expensive) appliance breaks down, any homeowner will be glad they have a home warranty in place.
Does this mean it is a right fit for everyone? Of course not, but for a small monthly fee it may offer the peace of mind you are seeking. Learn more in this video from Angie’s List. Who Is Your Home Warranty Company? For those of you who currently have a home warranty, who are you with? And what has your experience been so far? Related Topics: Reviews