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Home Warranty recommendations...I know not worth the paper they are written on

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Home Warranty recommendations...I know not worth the paper they are written on

Old 02-07-2018, 09:42 PM
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Default Home Warranty recommendations...I know not worth the paper they are written on

Anyway circumstances have driven me to make a decision on buying into a home warranty.
Have had them in the past on rental properties and had some good experiences and a couple of poor ones.

I have a vacation rental on the west coast that is starting to ring up the service calls. Dishwasher last week, refrigerator this week. You get the picture.

Are there any " good" ones?

Ones I have researched all have about the same types of reviews as I have experienced in the past.

We will be having friends and family staying in the house throughout the summer while we travel and the thought of dealing with a pool pump issue or a failed a/c compressor while I am away is not one I care to deal with.

Suggestions?
Old 02-08-2018, 05:54 AM
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The only use I've ever seen for home warranties is when you're selling. You get more for the home if it has one.
Old 02-08-2018, 05:59 AM
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Sure you won't be dealing with the repair directly you will be dealing with the warranty company and their lack of service and coverage. Which will be a bigger pain in the ass because you will have money invested in their crappy warranty. Find a good repairman that you can have on call.
Old 02-08-2018, 06:26 AM
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Already mentioned but you will be spending more time dealing with the warranty company than you would a regular contractor.

We had one that came with one house and used it a few times just because we could but they are complete garbage. They have to talk to the tech to approve but they never answer so you end up having to file a claim, have them review, and get reimbursed 3-4 months later, all over a couple hundred bucks or less.

COMPLETE AND TOTAL GARBAGE!

Do yourself a favor and just find a few contractors you trust.

Plus I doubt they cover pumps. They didn't cover the positive suction exhaust fan on our furnace because it wasn't attached to unit and thus not part of the system. Scam.
Old 02-08-2018, 06:32 AM
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Make sure you have names of quality contractors for each thing you're worried about. As noted, the home warranty / maintenance contracts are crap.

My mother had one for well over 20 years. Spent well over $20,000. Bragged about what they fixed for "free", needless to say it wasn't anywhere near $20,000. I got her to dump it some years ago. She then complained when the handyman charged $30 to come. I told her to STFU.
Old 02-08-2018, 06:36 AM
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Originally Posted by rickboat View Post
Make sure you have names of quality contractors for each thing you're worried about. As noted, the home warranty / maintenance contracts are crap.

My mother had one for well over 20 years. Spent well over $20,000. Bragged about what they fixed for "free", needless to say it wasn't anywhere near $20,000. I got her to dump it some years ago. She then complained when the handyman charged $30 to come. I told her to STFU.
I'm calling it. No you didn't.




Old 02-08-2018, 06:39 AM
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Originally Posted by NCSUboater View Post
I'm calling it. No you didn't.

The third time she said it over a short period, I in fact did. While it wasn't those exact words, it was very similar and did contain an obscenity.

She is clueless, she got a policy because her useless live-in boyfriend couldn't change a lightbulb. She had a term for it, relating to his being a first born of the Jewish persuasion. I called him a lazy, useless, waste of oxygen. When she kicked him out after 20 years, I was quite happy.

I also cancelled her Aflac policies that she had for too long, purchased during a "information session" in her building. She'd buy dog crap if the right salesman came along. If you're a salesman, no, I'm not giving you her name and address.
Old 02-08-2018, 06:41 AM
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Haha...she does sound like a salesmen's dream.

I bet she has an AOL email too!
Old 02-08-2018, 06:48 AM
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Originally Posted by NCSUboater View Post
Haha...she does sound like a salesmen's dream.

I bet she has an AOL email too!
Are you dating my Mom?

No, she has Comcast, but that's only because it came with her Comcast connection. She used to have AOL...

She also bought those knives sold door to door with the fake "I'm working my way through college" BS. Well, only 1 knife. And the vacuum that also shampoos, so her cleaning lady could bring her own vacuum. I could go on and on, but then I'd have to drink and it's too early and I have a lunch appointment.
Old 02-08-2018, 06:50 AM
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You'll still have to deal with the problems. Just through the home warranty, then home warranty setup the service company, then you still have to deal with the service company in the end setting up the times. Better off with individual services and setting it up yourself directly.

Home warranty came with our house when we bought. Heater went out one the one stretch of winter when we were in the 20's here. Yes, it got fixed and they paid for it. But it took 2 weeks for them to fix it and the HVAC company they used sucked. Took about 3 different service calls. Each time they have to go back to the office and get the home warranty company to approve the next step. Finally fixed on about the 4th trip.

If you have people staying there for weekends / weeks, and you are relying on home warranty to fix something quickly, you can forget about it IMO. Timeliness of repairs is not an advantage of a home warranty.

Edit: This was American Home Shield

Last edited by CUTiger2011; 02-08-2018 at 07:12 AM.
Old 02-08-2018, 06:53 AM
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Originally Posted by NCSUboater View Post

I bet she has an AOL email too!
Randomly most of the wealthiest people I know have AOL email addresses.

American Home Shield is reasonable. They're all kind of a gamble, but I have had clients who have filed claims with them and had good luck.

Originally Posted by mikefloyd View Post
The only use I've ever seen for home warranties is when you're selling. You get more for the home if it has one.
Doesn't change the value of a home whatsoever. Just helps push people towards one property as opposed to another if debating two properties. Just a selling point.
Old 02-08-2018, 10:05 AM
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I have used them before on personal house and on a rental. I have had American Home Shield each time. They will also provide add on coverage for a pool, pumps, etc. I used them several times and only had 1 bad experience that was eventually rectified. Overall I would say I spent probably $1600-$1800 on them (about $450 - $600) a year and I would estimate that I covered probably close to $5000 in repairs (pool pump, filter, ruptured pipe on pool, washer and dryer issues, HVAC to include a coolant replacement, some plumbing issues as well). So I guess overall I am ahead at this point. The nice part for me is that if I am deployed my wife can call the issue in and it is fixed with only out of pocket being the call fee of about $75. If you have a recurring issue on a fixed item of system then subsequent service fees are also generally waived as well.
Old 02-08-2018, 03:19 PM
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Home Warranties are the most complained-about topic with consumer protection services

That said, there are a number of good reasons for owning a HW as mentioned in this thread

I do not have one but have experience with several. AHS is the best of the choices
Old 02-08-2018, 03:59 PM
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My recent purchase came with a home warranty from Old Republic. I believe I had them with a townhouse I bought years ago in Colorado too.

I've had one service call with this house. I made the "call" via a form on their website around 7:45pm for a non-functional a/c unit. It assigned a a/c contractor immediately. I followed up with a phone call to the contractor (because his website said they were open until 8)...but got voice mail. They called back first thing the next day and apologized for missing the call. It was a father/son family business - very professional. I don't remember if he came right after the call or if it was the next day. We have 2 a/c units and it wasn't hot out, so it wasn't really an emergency.

The son of the owner came out, right on time. Fixed the problem (failed capacitor), checked the levels (and taught me a few things about my a/c unit) and I paid him $100, which was the deductible in my policy. I suspect it saved me a few bucks. Regardless, I was happy with the service from start to finish.

I had a claim or two on the townhouse also. One was a broken dishwasher...I think the other might have been something breaking with the garage door. No complaints there either.
Old 02-08-2018, 06:03 PM
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Realtor friend pushes Old Republic and she says they have a pretty good track record. AHS was her second choice but she did mention that they have been slipping in the last year.

I am just afraid of my brother in law coming over this summer and authorizing a contractor to ''go ahead and install a new whole house air conditioner'' while I cannot be reached.

I would do it to him!
Old 02-08-2018, 07:10 PM
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Old Republic is very good. Had garage door motor get burnt out by possibly lighting.

Guy there next day from one of the big well known garage door makers.

He said the mother board got fried. That alone would have costed more than a new unit to replace.

He replaced the unit because it was cheaper that way. Paid the $75 trade call. So I pretty much broke even for that year.

I had another claim and they made me whole again.

I tried to save $200 on a different company a few years after that. Terrible mistake. They prorated everything and CS was terrible.

Old Republic always answered right away and gave me new stuff.
Old 02-08-2018, 08:32 PM
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I had complete protection https://www.completehomewarranty.com/ while I lived in Chicago and they were fantastic. We definitely got our moneys worth out of them and I was able to call any technition I wanted, no co-pay and very easy to use. I called to make a claim, they authorized me to get a repair guy out, repair guy diagnosed, recommended repair, called company, they would authorize, then I pay repair guy and a check is in the mail to reimburse me that week.

Now that I moved to Cali and purchased a home, the realtor set us up with Old Republic and they suck. I can only use their repair person, there is a 60$ copay for every visit, they try everything not to repair anything. Absolutely the worst!
Old 02-08-2018, 08:59 PM
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Well maybe its different from state to state.

The people that owned the house I bought were Realtors and had Old Republic for all their house they rented and sold.

Old Rep was great to me. Yea they have their own contractors they use. But they gave me several brand new items and fixed other things. They never gave me a hard time. Always answered my question.

Now the other company I cant think of the name was beyond terrible.
Old 02-09-2018, 05:57 AM
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Originally Posted by TorFed View Post
Doesn't change the value of a home whatsoever. Just helps push people towards one property as opposed to another if debating two properties. Just a selling point.
If it makes your home more desirable to buyers and you don't get more money then you need a better Realtor.
Old 02-09-2018, 06:10 AM
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Not American Home Shield for sure.

Seller through in one when we bought our house. Upstairs unit had a leak. They sent the same idiot HVAC guys out 2-3 times to "check it" and top it off with refrigerant. They determined that the leak was in either a line, or the attic unit..........but they were too fat to fit through he hole to get to it.

Called up American Home Shield, and they basically said they couldn't specifically request a skinny technician. Finally after about multiple calls, they send out a different guy. He was in plain looking pickup, with a "pool and spa" logo on it. Turned out to be a really good technician. He got the coil swapped out, and been good to go ever since.

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