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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The Real Benefits of Home Service Contracts

It's Saturday morning. With a cup of coffee in hand, you flip open the blinds and gaze out at your backyard. Despite the sunny morning, you notice standing water in the corner of your lawn.

Your heart sinks as you realize the water is your flooded leach field.

The home warranty contract you had when you first bought the house a year ago would have covered this, but you opted not to renew it last month.

What is a Home Warranty?

A home warranty is a service contract and covers wear and tear related repairs or the replacement of important home system components and appliances that break down over time.

A home warranty protects you and your family from bearing extreme expense and hardship from breakdowns not covered by your home insurance policy. Plans vary and can cover major home systems such as air conditioning, heating, electrical and plumbing as well as major home appliances such as kitchen ovens, stoves, refrigerators, and washers.

"I'm never going to have to pay for anything again!"

This isn't true.

Home warranty service contracts can cover a lot of major repairs or replace important systems and appliances, but only if you're signed up for the right one.

And there are a lot of companies out there advocating on behalf of these service contracts and the warranties they offer, and just like anything, they're not always truthful and the expectations they set with consumers can be misleading. They advertise that, under their umbrella policies, homeowners will never have to pay out of pocket again for repairs and services for their homes.

This isn't true.

Unfortunately, there are a lot of gross misrepresentations within home service contracts and the advertisements promoting them. Where, homeowners are led to believe if they spend more for what looks like an all-inclusive contract, they'll never have to pay for repairs or services to their home again, no matter what they are.

This isn't true.

The Honest Benefits of Owning a Home Service Contract

  • 1.The ability to call on a network of available pre-screened contractors for whatever their specialty is.
    • Instead of choosing a contractor blindly, a home service contract includes the right people to call on for the right jobs, mitigating the frustration of doing your own, unadvised research and dealing with the costly repercussions of illegitimate contractors who overcharge or are unfit to do the job. Not to mention, you'll never be covered for an all-out replacement.
    • In the earlier example of the flooded leach field, the service company the homeowners call on independently – because they no longer have the benefits of in-network contractors included in a home warranty – could falsely charge them. Instead of only replacing the sewage ejector pump causing the problems, the contractor might also cite septic tank malfunctions and replace the line from the house. How would the homeowner know?
    • Most homeowners don't have the time to manage what a contractor is doing or the knowledge to determine what repairs are needed and which are unnecessary. They just know they need it fixed. Home service contracts and their representatives are motivated to do the right thing on behalf of the homeowner because they are the ones who are paying for it.
  • If you pick wisely, you really will save money. Home service contracts really do pay claims.
    • The best part about the home warranty is when the consumer walks away without a penalty for wears and tears that naturally will happen to their home over time. Protect yourself, your family and your home by preparing for – not if, but – when your home systems and appliances malfunction or need repair or replacement.

 

 

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3 Things To Be Aware Of About Your Auto Warranty

Any car owner can have peace of mind when taking the car to the shop for repairs and maintenance when the car is covered by an auto warranty. Auto warranties cover the cost of repairs and maintenance on the car. Here are three things to be aware of about your auto warranty:

1. Thoroughly read through the warranty so that you are completely knowledgeable about how long the coverage lasts and what parts of the car are covered by it.

2. Know where the auto warranty is coming from. Is it coming from an aftermarket auto warranty company or a manufacturer? It is important know exactly who is handling your policy.

3. Know the terms of your warranty and make sure that you perform all required maintenance on your car. Auto warranties only remain valid if you get specific work done to your car. In addition, keep a record of all repairs and maintenance performed on your car in the event that you need to take care of a claim.

Auto warranties put your mind at ease when you bring it to the shop to have work done. If you want to get the most out of your auto warranty, it is essential to be knowledgeable about all of its details.

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Life Insurance for a Family of One

 

We spend a lot of time talking about how couples, families and businesses can protect their financial futures with life insurance. But what about if you are single—do you need life insurance, too?

There are those people who have no children, no one depending on their income, no ongoing financial obligations and sufficient cash to cover their final expenses. But how many of those people do you really know? And, more importantly, are you one of them?

I think it’s important, then, to illustrate how a life insurance purchase can be a smart financial move for someone who is single with no children. Asking yourself these three questions can help you get at the heart of the matter:

  • Do you provide financial support for aging parents or siblings?
  • Do you have substantial debt you wouldn’t want to pass on to surviving family members if you were to die prematurely?
  • Did family members pay for your education?

Don’t Take My Word for It

Life insurance is an excellent way to address these obligations, and in the case of tuition, reimburse family members for their support. But don’t just take my word for it. Instead, “do your own math.” This Life Insurance Needs Calculator can help you quickly understand if there is a need—a need you might not be aware of—that could be easily addressed with life insurance.

The most important reason for you to consider life insurance may be the peace of mind you’ll have.

In addition to addressing any financial obligations you might have, the current economic climate has made permanent life insurance an attractive means to help you build a secure long-term rate of return for safe money assets. The cash value in traditional life insurance can provide you with money for opportunities, emergencies, and even retirement.

For young singles, keep in mind that you have youth on your side. I don’t mean to sound trite. Instead, I’d like you to think about the fact that purchasing life insurance is very affordable when you’re young and allows you to protect your insurability for when there is a future need—perhaps, in time, a spouse and children.

While all of these reasons are valid, the most important reason for you to consider life insurance may be the peace of mind you’ll have knowing that your financial obligations will be taken care of should anything happen.

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Do Your Research Before Buying An Auto Warranty

When a consumer takes purchasing an auto warranty into consideration, they usually select mainly based on the price. Consumers want to try to get the best deal that they can when buying auto warranties. Price is important to take into consideration, but it is also important to realize there are other factors that should be looked at when choosing the auto warranty to buy as the final purchase.

When conducting research about auto warranties and which one will be the best option for you, make certain that you are going to be buying one that is of a higher quality. Keep these things in mind when doing research:

1. Look at the cost of the auto warranty and be sure that it is affordable. However, make sure that this is not the only deciding factor for what will be your final purchase.

2. Look into the company that you want to buy the warranty from. Ask yourself a couple of very important questions: Is this company reputable? Is it an established company? Is the company visible online? In addition, make sure that the company is both accredited and has high ratings with the Better Business Bureau.

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8 THINGS TO WATCH OUT FOR WHEN BUYING A USED CAR

BUYING A USED CAR

The used car market is a haven for various automotive gems! It is the perfect place where you can look for that odd box-type sedan that brings you back to your good old childhood days, or if you are lucky enough you can get a rare expensive classic that can now be worth millions away from its original price. Regardless of whatever meets your eye as you wander about in the used car center, used cars can become financial liabilities if you do not make it a point to check on them after making your purchase. Whether the vehicle is for you, your brand new teenage driver, your significant other, or a friend/family member, before you jump the gun on purchasing a used car, make it a point to watch out for these elements.

BODY AND GLASS

First impressions last – at least that is how you should think when you start evaluating your used car of choice. Issues such as cracks, dents, and uneven paint should play a significant part in the used car’s pricing, since those can be costly to repair. Moreover, those kinds of damage may indicate that the used car may have been involved in accidents of various degrees under its previous owner. That, of course, may point to further internal damage, so make sure to look at those problems with great circumspect when you think about your used car purchase.

INTERIOR, SEATS, AND ODOR

When canvassing for a used car, do not just look at the outside. In fact, it is even more important that you discern whether the used car you are looking at has an interior that is bearable enough for you to spend most of your time; think about all that time you spend sitting in traffic to and from work. Things like seat upholstery, seatbelts, and overall odor play a huge part in your driving experience with your used car, so make it a point not to neglect those things.

CONTROLS AND SOUND SYSTEM

Watch out for missing dials, malfunctioning light indicators, and damaged interfaces when looking for a used car. A typical secondhand vehicle should have controls that are still working properly, albeit with some parts of it already worn out. Also, make it a point to check the condition of the used car’s sound system. Muffled speakers and a faulty sound system interface may make for an unpleasant driving experience (think about having to sit in silence or forced to listen to an awful radio station during that traffic we already talked about), while faulty electrical wiring for both your controls and sounds may prove to be dangerous in the long run.

LIGHTS

Obviously, faulty exterior lights are a no-no for used cars, and fixing them can be quite a costly ordeal. With that, it is highly important that you check the conditions of the headlights, signal lights, and taillights of the used car you are eyeing first before purchasing it. Moreover, also make sure that your interior lights are also in good shape, so that you would not have to experience inconvenience in the event you need cabin lighting as you drive during nighttime.

TIRES AND SUSPENSION

A good used car has a properly-rotated and balanced set of tires and a suspension set that provides stability and safety, especially during long drives. With that, make sure that your used car of choice has good tires and suspension. Otherwise, you would certainly find yourself flirting with the possibility of encountering unwanted road accidents. You do not want to be that person on the side of the highway waiting for road assistance because your tire blew.

FLUIDS

Before purchasing a used car, make sure to check the condition of its fluids. Watch out for residues, burnt smell, or foamy particles on the dipstick – those typically refer to various problems your mechanic should work on right away. Normally though, engine oil is brownish or blackish in color and residue-free, while the transmission fluid appears pinkish.

RADIATOR

A used car should not have green particles sitting around on its radiator. Otherwise, it shows that leaks may have been made, and that a replacement may be necessary. As long as the radiator does not appear rusty or to have corrosion, then you are in good company.

ROOF

Checking the roof of your chosen used car is actually a no-brainer. Doing so allows you to see whether there is a possibility of water leakage inside the cabin, which you must prevent at all costs if you want a pleasant driving experience. At the same time, make sure to check if your sunroof is working properly, if you have one.

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