Life Insurance with a Felony Conviction


When applying for fully underwritten traditional life insurance, most insurance carriers are going to inquire about any felony convictions you may have had in the past. It makes sense – if a life insurance company is willing to check your motor vehicle record for your driving behavior, then they would likely search your history for any felonies that may have been committed. These are just some of the things that go into the underwriting process to determine how acceptable a potential insured person will be to purchase life insurance with a felony conviction.

There is one major point that should be made here. Simply because a person has been charged with a felony does not make them a felon. Only if a person has been convicted of a felony are they classified as a felon. The vast majority of the time, the insurance carrier will need to know how much time has passed since you were convicted of your felony charge. Most carriers will also need to know the details of any sentences you were to serve for said conviction. Of all these things, the most important to almost any life insurance carrier will be, what was the nature of the charge and conviction you received.

Insurance Companies look at Felony Convictions Differently

As far as the underwriting process goes, many insurance carriers have very different criteria that are examined and weighed through the process. Each carrier interprets the information they require differently, and many have completely different types of information that is required. Infractions, (whether felony or not) that are most likely to cause problems for a life insurance applicant would be:

  • Larceny
  • Driving while intoxicated or under the influence of drugs or alcohol (1st offense is a misdemeanor)
  • Crimes involving property
  • Drug-related crimes
  • Assault

Because these five crimes make up over half of the current prison population, these are the offenses that pose the greatest concern to life insurance carriers. These crimes, in some cases, are not life-threatening inherently when committed. However, the time that one will spend in prison once convicted could be. Moreover to this point, convictions are much less likely to become a barrier to buying life insurance with a felony when the crime committed is larceny or assault.

Some Good News

The bright side of this story for individuals seeking life insurance coverage that have one or more felony convictions is that not all insurers have the same guidelines. There are some carriers that will offer an individual coverage, however, there are some that will not. That being said, an individual’s first step when seeking insurance coverage should be to contact us and discuss your current situation in order for our licensed insurance professionals to be better able to determine ahead of time which, if any, insurers will be able to offer coverage.

The quality of the insurance professional you utilize is just as important as the insurance carrier you choose to apply to. Submitting a life insurance application with a life insurance carrier that has a track record of denying coverage to individuals with felony records would make no sense. The independent life insurance professional that we connect you with will know exactly who will be your best option when seeking coverage.

The Deal Breakers

Some felony convictions are all but a guarantee that a traditional life insurance company will deny life insurance coverage. These are :

  • Child molestation
  • Drug Trafficking
  • Rape
  • Murder
  • Kidnapping
  • Conspiracy to commit any of the offenses listed above

A conviction for any of the aforementioned charges will result in a declination of coverage from all traditional life insurance carriers. However, individuals in this category will still be permitted to purchase “Guaranteed Issue” life insurance from a carrier and also Accidental Death life insurance as well.

Drug-Related Felonies

Individuals who may have previously made an attempt to obtain life coverage through a traditional life insurance carrier and were denied may still have remaining options that are not simply limited to “Guaranteed Issue” life coverage.Generally speaking, most life insurance carriers will automatically decline applicants that have prior drug-related felonies. However, there are carriers that will still consider offering coverage depending on how the individual may answer the following questions:

  • Have you ever been incarcerated?
  • If so, how much time did you spend imprisoned?
  • How much time has passed since you were charged and then convicted of the crime?
  • How long ago were you released from your last incarceration?
  • Are you currently on probation or parole? If so, for what time frame?
  • If you were on probation or parole, how long ago was it terminated?

The answers given to these questions will be the best determining factors in allowing an underwriter to assess how eligible an individual is for life insurance coverage. The exact nature of an individual’s charges and convictions are important because some convictions have a higher recidivism rate than others. Generally speaking, underwriters use this information about an individual’s criminal record to determine how likely they are to be reincarcerated for another criminal offense.

Be mindful of the fact that being incarcerated is considered a life-threatening circumstance. The amount of time that has passed between the date of application and the date an individual was convicted and or released from prison is the most important detail here. The reason this detail is so important is that the underwriter assigned to this case will want to see exactly how much a potential insured’s lifestyle has changed since they were released from prison.

Felonies involving Alcohol or Violence

Primarily felonies involving alcohol usually are related to operating a vehicle while intoxicated. However, violence related felonies can be just as likely contributed to the use of alcohol.

In cases of this sort, underwriters are on the lookout for at least a two-year gap between the time of conviction and the time of probation before considering the opportunity to offer life insurance coverage. In the event you have been denied life coverage after two years has passed, you have likely applied for coverage with the incorrect insurance carrier and should give our office a call for help.

Challenges Agents Face when You Reveal Your Felony

Good insurance agents know on initial contact that it will take a considerable amount of work to find life insurance coverage for an individual that has a record containing a prior felony conviction. If you take the typical call center agency approach, most likely you will be denied coverage based on criminal history due to the agent not being motivated to spend additional time and resources on your case because it may result in a declination even after the agent has invested the necessary time to properly scout the potential carriers to obtain life coverage for you.

This, however, should not deter you from contacting an independent insurance agent that has access to multiple life insurance carriers and is willing to put in the time, energy, and effort to see to it that you acquire life insurance with a felony conviction.

A knowledgeable independent insurance agent will know after your first conversation if traditional life insurance is the route that you should take, or if a “Guaranteed Issue” life insurance carrier will be more suited to your needs based on your particular situation. Your agent will have the necessary experience and know how to assist in your life insurance purchasing decision to allow you to make the most informed decision possible.

Independent insurance agents that specialize in hard-to-place and high-risk cases appreciate the challenge that comes along with this type of business and are more than willing to represent you and your best interest to block any hindrances and help you obtain the life insurance coverage you need.

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MONEY SAVING TIPS FOR YOUR NEXT ROAD TRIP

Road Trip Savings

A road trip is always a fun experience, but it’s not exactly known to be an affordable one. That’s why it pays that you know how to manage your financial matters well when going on a road trip. You’ll never know when you’ll have to pay extra especially when you’re having too much fun. Let these money saving tips ensure your next road trip does not turn into a financial owe.

Indeed, there’s nothing wrong with making your road trip financially savvy. After all, we all like saving money. Anyone can always have fun for less, even in the case of road trips. For that, consider our money saving suggestions for your next road trip.

1. Money Saving Tips Start With Setting a Budget

Oftentimes, road trips become frustrating ordeals the moment it starts prompting you to spend more. Although you can always derive pleasure from the fact that you’re trading in your cash for leisure-related goodies, the fact that you’re creating for yourself a tiring cycle of earning money just to suffice for that lifestyle can drain you to no end.

That’s why it’s essential that you identify a budget cap when going out on a road trip. Make sure that you’re judicious enough in setting the right allocations for each aspect of your road trip. For that, you should always do your research – derive experiences from other people’s feedback, consider money saving tips, and read up on typical financial pitfalls in road trips.

2. Identify all Possible items in your Expenditures

Given the costliness of road trips, it pays that you know very well the things that you need to do when you’re confronted with situations that prompt you to take out money out of your wallet. Identifying those situations is an ideal step to the right financial track: restaurants, lodging accommodations, admission payments, vehicle-related expenditures, and the like.

One important thing that you must remember is that all vehicle-related expenditures are almost always better when used with credit cards, in that those offer incentives in the form of discounts and points. A CarCareONE credit card, for instance, allows you to take advantage of various financing options related to any car related concerns, specifically for repair and maintenance.

3. Apps, apps, and apps

If you think that you’re bad at monitoring expenditures related to your road trip, then always remember this popular saying of late: “there’s an app for that!” Apps, may it be on the App Store or Play Store, that allow you to manage your road trip-related expenses can help save the day, especially if you only have a specific budget that can only last as much when spent judiciously.

Navigation apps like Google Maps and Waze can help you save both time and money through travelling along the shortest and most effective routes. An expense manager like Road Trip can help you keep track of your road trip costs. Repairpal enables you to call roadside assistance with one click. Altogether, those sorts of apps can help you conserve your road trip resources.

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Why You Might Want Wedding Insurance

If you’re busy planning a wedding, you might want to consider insuring it.

Wedding insurance policies are relatively easy to understand, and the two main types are both inexpensive compared with the cost of a ceremony and reception:

  • Liability insurance covers you in case of an injury or property damage at the wedding. Liquor liability, sometimes a separate coverage, pays out if someone drinks too much and causes an injury or damage.
  • Cancellation coverage reimburses you for costs such as deposits and guests’ airfare if you need to cancel or reschedule the wedding for an unforeseen reason. Unfortunately, that doesn’t include a change of heart.

The most common wedding cancellation claims involve:

  • A vendor, such as a venue or a caterer, going out of business or being otherwise unable to fulfill its agreement.
  • Extreme weather, such as a hurricane or tornado.
  • A member of the bridal party or family being too injured or ill to participate.

Costs

Cancellation and liability coverage are sold separately. Prices are based on the number of guests or the wedding’s price tag, depending on the insurer, but each can cost under $200 for a wedding with fewer than 50 guests.

How to buy it

You can buy wedding insurance through an event insurer, such as Wedsafe or WedSure, or large insurers such as Travelers Insurance. Some insurers sell “event insurance,” which can also cover a wedding. Ask your agent if your current insurer has any options.

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Do Home Warranties Cover Plumbing?

Let’s face it; plumbing issues stink! Plumbing is one of those home systems we tend not to appreciate until there’s a problem with it. They can occur without any warning making for an unpleasant surprise that you have no choice but to address immediately.

Plumbing problems aren’t just unpleasant; they can also be expensive. Not only does the issue itself needs to be remedied, but also leaked water can cause several residual issues such as floorboard rot, drywall damage and mold, among others.

Related: A Guide To Leaks, Clogs, And Other Plumbing Issues You Can Fix

The average cost to hire a plumber for a typical job ranges from $160 to $430. Plus, plumbers often charge an additional premium to come out on evenings or weekends. The cost of parts for the repair can vary widely, especially in older homes where replacement pieces are harder to find.

What Do Home Warranties Cover?

If you’ve been asking yourself whether you should invest in a home warranty, the first step is to look at what’s covered under the warranty. Each plan is different and coverage can vary.

WarrantApp Home Warranty plan covers the costs of repairing or replacing more than 20 major appliances and home systems, including plumbing. There are flexible plans that allow you to choose the best fit for your family’s needs and you can even build your own custom plan so you have the exact coverage you want.

Do Home Warranties Cover Plumbing?

Generally speaking, home warranties do cover plumbing when issues result from normal wear and tear. Not every plan is created equally, though, so it’s important to look at what exactly is covered, especially if you already have a contract. Some of the common plumbing troubles covered by AHS include:

  • Leaks and breaks in the water, gas, drain or vent lines
  • Faucets, shower heads, and shower valves
  • Built-in bathtub whirlpool motors, pumps, and air switches
  • Clearing sink, tub, shower and toilet stoppages

Be sure to check the yor contract for more details.

Give Yourself Peace of Mind

Unfortunately, plumbing issues are inevitable in any home. Since the best plan is to be prepared, you can ease your stress by giving yourself the gift of an American Home Shield plan.

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Term Life Insurance for 35 Years

35 years is a long time.

Think about some of the things that happened or were popular in 1981.

  • Raiders of the Lost Ark
  • MTV began
  • Prince Charles and Lady Diana married
  • Hall & Oates
  • The Rubik’s Cube
  • Donkey Kong

A lot can happen in that time of time. The fall of The Soviet Union. The Internet. Mobile phones. Emoji. 35-yr term life insurance.

Yes, you read that right. You can now buy term life insurance with a term period of 35 years from American General Life Insurance Company.

Until now, the longest term period available was 30 years. But with the new term length, you can lock in a low rate up to age 45 and keep it until you are 80 years old.

Will you need term life insurance for 35 years?

Maybe and maybe not. It all depends on your unique circumstances. Things to consider include:

  • How many years until your youngest child leaves home?
  • How many years until all your children (and perhaps grandchildren) graduate college?
  • How many years until you pay off your mortgage?
  • How many years until you retire?

This is a start, but there’s more to it. Thankfully, we’ve written a thorough guide to help you find out how long you will need term life insurance.

It’s important to note that you are never ‘stuck’ in a policy for the entire term length. Meaning, you can always cancel the policy before the term expires without incurring any penalties or fees. Most life insurance companies will refund any unused premiums as well. Just in time for last-minute holiday shopping!

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CAN YOU BE DENIED AUTO INSURANCE IF CONVICTED OF A MOVING VIOLATION?

A moving violation can be a serious mistake or a minor one. In many situations, your auto insurance provider is there to help you through mistakes you might make. However, there are some situations where it can become difficult to obtain auto insurance. If you are labeled a high-risk driver, it may be hard to obtain car insurance or affordable plans. There are several things to keep in mind in this situation.

Can You Be Denied?

Most states have requirements that those who operate a motor vehicle (or own one) must have auto insurance in place. This is required for nearly all drivers. However, car insurance providers are able to deny individuals coverage if the driver is too high of a risk to insure. It can be hard to obtain insurance if you have such a label because the risk of another mistake, accident or moving violation is high.

By definition, a high-risk driver is someone who has a higher potential of filing a claim at some time in the future. Insurers view these individuals as high risk and costly, therefore charging a significant amount more to cover individuals, or simply denying coverage altogether. There are many reasons for this outcome, including a DUI/DWI conviction, illegal street racing, excessive speeding, reckless driving, driving without licensing and traffic violations in which a person died or got seriously injured.

What Should You Do?

If you are a high-risk driver, you will need to work to minimize such risks going forward. More so, if you find a policy that offers coverage to you, be sure to do everything you can to reduce your points. In some cases, you may be able to take a driving course to reduce your points. You may need to obtain an SR-22 as well, which generally is a requirement by the department of motor vehicles. Most people can find a policy available to them, though it can be expensive and hard to do without the help of an independent insurance agent. The right auto insurance provider is likely available even for high-risk drivers.

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Understanding the Key Terms on Your Warranty

If you're reading through your new car warranty for the first time, or you are considering purchasing a new car, there may be a few terms in there that you don't know. To help you understand your warranty, we've defined a few key terms:

  1. Bumper-to-Bumper: a type of warranty also commonly referred to as a basic or standard car warranty. All automakers offer a basic warranty for a set amount of time or miles. This warranty covers basic, non-engine parts of the car such as the power steering, fuel system, lights, sensors, audio system, brakes, and climate control. If any of these parts malfunction while you are covered with a bumper-to-bumper warranty, your dealer should pay to fix them.
  2. Deductible: the amount of money you pay the repair facility for repairs on your vehicle. Some warranties cover the cost of all repairs and labor, but others require you to pay a set amount out of pocket.
  3. Federal Emission Defect Warranty: a type of warranty that covers repairs your car needs to meet the Environmental Protection Agency (EPA) standards. This includes defective materials and repairs.
  4. Plan Term / Plan Expiration: the length of time or the amount of mileage your warranty covers. When you reach the end of your plan term, for example 3 years / 60,000 miles, your warranty plan will expire.
  5. Powertrain: a type of warranty that covers certain "powertrain" parts of your vehicle. These parts include the transmission, engine, and drivetrain (transfers power from the engine to the wheels and down). If your powertrain components are found defective or damaged before your powertrain warranty expires, the manufacturer will pay for replacements.
  6. Roadside Assistance: provides owners with assistance if the vehicle breaks down. This often includes a number you can call 24-hours a day, 365 days a year for emergency assistance, towing, help with a flat tire, or fuel problems.
  7. Surface Corrosion: rust on the outside of your car. Substances such as salt and iron oxide can make it easy for rust to form on your car. Some warranties do not protect against surface corrosion.
  8. Transferability: when you sell your car and transfer your warranty to the new owner. Car manufacturers may allow you to transfer the entire warranty, half, or none.
  9. Wear and Tear: when components of your car stop working due to external conditions. This means that your air system or radio stops working because of operational error, not because the parts can wear out. Some warranties cover wear and tear.
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What to Ask When Choosing a Home Warranty

There are a number of things to know about before getting your first Home Warranty Plan. Here are 10 questions to ask yourself and the provider when comparing your options.

Purchasing a home warranty to cover your major appliances and system components (refrigerator, dishwasher, garage door entry system, HVAC unit, etc.) can be tricky. You have to balance consideration of each warranty's options, premiums, deductibles, terms, and conditions. At the end of the day, what you really want is some assurance that, in times of need, you and your family will remain safe, comfortable and suffer the least amount of inconvenience.

What should you look for in a home warranty? There is no simple answer, and there is no one-size-fits-all home warranty solution. As with all your other investments, one of the best things you can do for yourself is to enter negotiations as well-prepared as possible. So we’ve assembled this checklist of questions to ask before you commit to a home warranty agreement to help you better understand your needs, your expectations, your reservations, and your own attitudes towards what makes a house a home.

1. How much wear and tear do your appliances already have?

Appliances exist for one reason: to make our lives easier and that means taking on the dirty work (literally, in the case of a dishwasher or washing machine). Some of us use them harder than others and age can add up over the years, but as long as you use your appliances according to manufacturer's instructions, a home warranty can help you keep your machines running without worrying about unexpected repair or replacement costs. Should your appliance's or system's major components break down due to your normal use, a home warranty can be there to help cover the costs to get back in working condition.

2. Do you plan on upgrading or replacing your appliances any time soon, even though they are still functioning?

New appliances and systems come with manufacturer's warranties which are great protection, however, they run out and are unit specific. A home warranty can provide more of an umbrella of protection for your home to cover multiple appliances and systems. Plus, some companies, WarrantApp, for example, provide programs such as the Appliance Discount Program that can save you money on the purchase of brand new, brand-name appliances.

3. Are you aware of any pre-existing conditions or problems with your appliances that have gone unaddressed?

Home warranty companies want to help you keep your home in working order but there may be some limitations when it comes to addressing certain pre-existing conditions. Check with your potential provider.

4. Are there any essential components on your appliances (e.g., your refrigerator’s ice-maker; your HVAC system’s ductwork) that may not be covered by a particular warranty?

Today's appliances are amazingly complex machines with evolving pieces and parts. However, they still basically rely upon essential core parts to perform their necessary duties. Those components are what require protection and often can be most expensive to repair. Your home warranty should cover these core components.

5. How does a particular warranty complement or supplement your existing homeowner's insurance policy?

Home insurance is great protection for your home for what MIGHT happen (fire, flood, natural disaster, etc.). However, what about protection for things that WILL happen? For example, your air conditioner condenser finally giving out or your clothes dryer refusing to dry your clothes. Having a home warranty plan to work side-by-side with your home insurance can greatly help your home remain a comfortable and happy place.

6. Will a specific home warranty policy help you pay for routine preventative maintenance of your major appliances?

A home warranty may not cover your routine preventative maintenance, however, they may penalize you for NOT taking that action. American Home Shield will not do that. We understand you're busy and that time gets away from you. That's why we can help cover you when your major system and appliance components break down from normal use.

7. Will a specific home warranty policy help you to pay for significant cosmetic damage to your major appliances?

Home warranties are designed to cover parts and components that are designed to wear down from normal wear and tear. If that normal use causes cosmetic damage, you should be covered. However, if an overly excited family member causes damage to your dishwasher door, for example, you will not be covered.

8. Are any repairs, services or appliances too minor (e.g. your microwave oven) to be covered by a specific warranty?

It all depends on your provider and your contract. An WarrantApp Home Warranty Plan, for example, covers every part of your refrigerator. Other companies may exclude coverage for a dozen or more parts. 

9. What is the upper limit for repairs and replacement that the warranty will cover?

This depends on your prospective provider, but AHS offers some of the most competitive levels of coverage. In some cases, WarrantApp provides twice or even five times as much in terms of replacement coverage.

10. When can you make a claim with your prospective warranty provider?

You may currently have appliances in need of repair. Most companies may make you wait 30-60 days before you are able to submit a service request. 

So, which home warranty combines the best reputation, the greatest expertise, and the most satisfactory customer service?

That warranty is the one that can be of the most benefit to you when the time comes for you to maximize your home’s equity. And American Home Shield is confident that the home warranties we offer are world-class in that regard. As the home warranty industry creator and leader, we are proud to offer the best, most comprehensive and award-winning home warranty plans. Learn more about WarrantApp Home Warranty Plans and get a quote today.

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Separating Fact From Fiction When It Comes to Long-Term Care Insurance

Few people are prepared to handle the financial burden of long-term health care. In fact, many people have a false sense of security when it comes to long-term care. Let’s separate fact from fiction:

“Medicare and my Medicare supplement policy will cover it.”

FACTS:

  • Medicare and “Medigap” insurance were never intended to pay for ongoing, long-term care. Only about 12% of nursing home costs are paid by Medicare, for short-term skilled nursing home care following hospitalization. (Source: Guide to Long-Term Care Insurance, AHIP, 2013)
  • Medicare and most health insurance plans, including Medicare supplement policies, do not pay for long-term custodial care. (Source: 2017 Medicare & You, Centers for Medicare & Medicaid Services)

“It won’t happen to me.”

FACTS:

  • Almost 70% of people turning age 65 will need long term care services and supports at some point in their lives. (Source: LongTermCare.gov, November 2016)
  • About 67% of nursing home residents and 70% of assisted living residents are women. (Source: Long-Term Care Providers and Services Users in the United States, February 2016, National Center for Health Statistics)

“I can afford it.”

FACTS:

  • As a national average, a year in a nursing home is currently estimated to cost about $92,000. In some areas, it can easily cost well over $110,000! (Source: Genworth 2016 Cost of Care Survey, April 2016)
  • The average length of a nursing home stay is 835 days. (Source: Centers for Disease Control and Prevention, Nursing Home Care FastStats, last updated May 2014)
  • The national average cost of a one bedroom in an assisted living facility in the U.S. was $43,539 per year in 2016. (Source: Genworth 2016 Cost of Care Survey, April 2016)
  • Home health care is less expensive, but it still adds up. In 2016, the national average hourly rate for licensed home health aides was $20. Bringing an aide into your home for 20 hours a week can easily cost over $1,600 each month, or almost $20,000 a year. (Source: Genworth 2016 Cost of Care Survey, April 2016)

“If I can’t afford it, I’ll go on Medicaid.”

FACTS:

  • Medicaid, or welfare assistance, has many “strings” attached and is only available to people who meet federal poverty guidelines.

Whether purchased for yourself, your spouse or for an aging parent, long-term care insurance can help protect assets accumulated over a lifetime from the ravages of long-term care costs.

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Making Home Warranty Comparisons


 Home warranties take the hassle out of home ownership and give you peace of mind by protecting your family from unexpected and costly bills when major systems or appliances fail. However, coverage options vary widely from provider to provider and choosing the right plan can be tricky. Here is a checklist that details what to look for in a home warranty and how you can choose the provider that's right for you.

Initial Considerations

  • Make a list of all your appliances and systems. Determine which ones are critical to your family's needs, are costly to repair or replace or are at risk of breaking down.
  • Home warranties are designed to fill in the gaps left by homeowners' insurance, but there is potential, however small, for some overlap. Also, some of your appliances may be covered under other warranties. Check and compare these policies so that you're not paying twice for the same coverage.

Coverage

  • Verify which home warranty providers offer coverage in your area. Then narrow your search based on your priorities. Some providers offer fixed plans that cover a list of appliances or systems, some specialize in only a few specific ones, while others offer the option to customize your home warranty benefits.
  • Understand the various levels of coverage. You may find that the advanced coverage offered by one provider is equivalent to the standard coverage offered by another.
  • Take note of the pre-conditions and limitations to any coverage under consideration. Many plans won't cover appliances or systems with pre-existing conditions or costs that arise from improper installation or maintenance.
  • Are you planning to sell your home? Ask if the home warranty is transferable.

Cost

  • Determine the annual cost and what's included. The cost of home warranties varies significantly depending on where you live, the kind of home you live in and what you choose to cover. Some plans include additional services, while others have a more scaled-down offering.
  • Ask about service fees or deductibles. Home warranties take care of much of the heavy lifting when it comes to repairing costs, but there still may be additional fees, such as one for each home visit if something breaks down. Compare any added costs.
  • Establish whether there are limits on the maximum amount a provider will pay for repairs.

Service

  • Easy access to a service network is one of the biggest home warranty benefits. With just one phone call, you can schedule a home visit for a wide range of maintenance issues. Investigate how many in-network contractors service your area and make sure there are a variety of specialties represented.
  • Inquire about the provider's screening process and selection criteria for their contractors.
  • With some companies, the service provider may be different from the company selling you the home warranty. Make sure you can find contact information for the company that will ultimately be servicing your warranty.
  • Ask about the provider's service level agreements, average response time and claims process. Many providers offer the convenient option of requesting service and filing a claim online, but it's also good to know that you can reach a representative when you need one. Compare the level of follow-up documentation each company may require.

Reputation

  • Check out consumer ratings and reviews to learn about other customers' experiences. You want to make sure you choose a reputable provider.
  • Peruse a company's social media and online presence to help confirm its legitimacy and level of consumer focus. Is this a company that places the customer first?
  • Verify that the home warranty providers you're considering are properly licensed if you reside in a state that requires it. These requirements vary by state.
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