Home and Equipment Review
I start with your home. The age of the furnace, the water heater and the main appliances tells me which plans are worth your time.
Services
Here is what I do for homeowners who want a home warranty plan that fits their house and their budget.
What I Do
Each service below is something I handle personally, from the first question to the final read of the contract.
Plan Comparison
I set plans side by side so you can see what each one includes, what it leaves out and what it asks you to pay per visit.
Contract Read Through
Before you sign, I go through the wording with you and point out the limits, the waiting period and the exclusions.
Fee and Limit Breakdown
I explain the service fee and the payout caps in everyday language, so the cost of a repair visit is clear in advance.
Optional Extras Check
Pools, well pumps and second refrigerators often sit outside a standard plan. I tell you which extras deserve a look.
Request Filing Guidance
When an item fails, I explain how to file a request and which details the provider will want from you.
What Plans Tend to Include and Leave Out
No two contracts read the same, yet the pattern below shows up in most of them. I go over both lists with you before you choose.
Usually included
- Failure from normal wear and daily use
- Parts and labor for a covered repair
- A replacement unit when repair is not possible, within plan limits
- A technician assigned by the provider
- Major systems such as heating, cooling and plumbing
Usually left out
- Faults that existed before the plan began
- Damage from storms, fire, floods or theft
- Cosmetic flaws such as dents and scratches
- Problems caused by poor installation or missed upkeep
- Costs above the payout cap for an item
Find a Plan That Fits Your Home
Answer a few questions about your house and I will narrow the plans down for you.
Begin SignupContract Words Worth Knowing
These terms appear in nearly every home warranty contract. Here is what each one means for you.
- Service fee
- The set amount you pay each time a technician visits for a covered request.
- Payout cap
- The most a plan will pay toward one item or one repair during the contract term.
- Waiting period
- The gap between signing up and the day the plan starts accepting requests.
- Exclusion
- Anything the contract names as outside the plan, such as certain parts or causes of failure.
- Covered item
- A system or appliance the contract lists by name. If it is not listed, assume it is not included.
- Contract term
- The length of time the plan stays active before it needs to be renewed.
From Breakdown to Repair Visit
Buying the plan is the easy part. Here is the order things usually happen in after a covered item breaks down.
Have these ready when you file:
- Your plan or contract number
- The make and model of the item
- A short description of the fault
Pick a fitting plan
Match it to the age of your equipment, not to whichever list looks longest.
Wait out the start
Many contracts hold off on requests for a short stretch after you sign up.
File a request
Something fails, so you report it online and a visit gets booked for you.
Hear the findings
The technician names the cause, then the provider says what is allowed.