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Call your state insurance department and ask them what the loss ratio is for warranty coverage in your state. As an example, the industry average for after market auto warranties is 8%. That means for every dollar the warranty company collects from their clients, they pay out 8 cents on the dollar for claims. You can actually get better odds in Vegas. I received a home warranty when I bought my home from the estate of the previous owner. It proved valuable, since the previous owner had not kept up maintenance for some years. The warranty paid for replacement of the frozen main water shutoff, fixing an unsteady toilet and fixing a leaky tub drain fixture. That said, the quality of some of the work was not great. The toilet was unsteady because the tile floor on which it sat was uneven. The "fix" made was replacement of the wax sealing ring, which made the toilet steady for a few months but was not really a permanent fix. I ultimately set the toilet in a bed of grout to get a lasting fix.

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01.14.2007 | 34 Comments

If you don't have a lot of money to spare or you are looking to sell your home, a home warranty makes sense to help offset costs that you cannot afford. Plus, when you advertise a home warranty as a part of a home sale, you might attract more buyers. If you’ve ever taken a good look at your air conditioning unit, you may have noticed a small dripping line on the outside. This is the condensate drain, which plays an important role in removing condensation produced by your air conditioner's evaporator coil. If the line isn’t properly cleaned, algae and mold can grow inside and clog the drain, causing elevated humidity, musty odors and water damage inside your home. Unfortunately, this part of the system is often overlooked during regular A/C maintenance.

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01.14.2007 | 16 Comments

The pluming sucks in my 33 year old home, but home warranty doesn’t cover that “mainentance” issue. soooo annoying. If you have a handy family member, pay them to fix things that break. it will save you the service charge of $100 and for them to say “oh, you need this part, but it’s too expensive to fix, so too bad. you’re on your own. ”I recently encountered a problem with the A/C system over the weekend. I placed a call the the Sensible people Saturday evening and was told I would have to wait some time or a repairmen as it was 8pm on a Saturday evening, understandable. A very nice lady followed up with me Sunday morning and said she could schedule a tech for first thing Monday morning which I agreed to. A few hours later, I got a call from a repair man saying he was in the area and wanted to know if he could stop by to look at my system. He showed up a half hour later and fixed the problem, we needed a new thermostat. I got a call later that evening from the Sensible people again to make certain we were satisfied.