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Home Warranties
Posted on 4/8/14 at 2:48 pm
Posted on 4/8/14 at 2:48 pm
Any OT'ers have experience with good home warranty companies around LA? To me it seems worth it if you think shite is about to start breaking like my AC unit and stove. Just curious on what good companies/prices are?
Posted on 4/8/14 at 2:51 pm to WigSplitta22
I thought that there was a declining replacement value for items like AC and stoves? Is this not true?
Posted on 4/8/14 at 2:52 pm to WigSplitta22
There's no such thing as a good home warranty. They're all scams that leave you with substandard work that costs more than paying it out of pocket.
Put the $500 a year premium plus your co-pays into a maintenance account and draw from that when you need repairs. I guarantee that you'll come out ahead and you won't be stuck with the work of their half-assed contractors.
Put the $500 a year premium plus your co-pays into a maintenance account and draw from that when you need repairs. I guarantee that you'll come out ahead and you won't be stuck with the work of their half-assed contractors.
This post was edited on 4/8/14 at 2:55 pm
Posted on 4/8/14 at 3:52 pm to Layabout
I've done research online on them and it's hard to find good reviews on home warranties
Posted on 4/8/14 at 4:13 pm to WigSplitta22
I got one as an incentive during the closing process on my condo paid for by the seller (you, the tax payer via freddie mac). Love it. I have had them come out to replace the coils in my AC unit, get electrical work done when the previous repair folks had jacked it up in a room, had the refrigerator repaired, and had them handle plumbing issues. It is $100 for the service call each time.
I would have come out ahead if I had paid for it myself. Just my experience.
I would have come out ahead if I had paid for it myself. Just my experience.
Posted on 4/9/14 at 7:20 am to Crbello4Hiceman
quote:
They're all scams that leave you with substandard work that costs more than paying it out of pocket.
This x1000
the people they hire to do repairs are the cheapest most incompetent contractors out there. Complete waste of money.
Posted on 4/9/14 at 9:01 pm to Tbooux
What do one of these things cost? Only reason I ask is that a current buyer is asking for one and trying to see how much I'll be out. House is in the 180-200k range.
Posted on 4/9/14 at 9:50 pm to fightin tigers
Varies, ask your agent for the brochure. $500 is a good estimate though.
Posted on 4/9/14 at 9:51 pm to eng08
FSBO, was reading that amount. Just wanted to get some clarification if La was higher like most insurance is here.
Posted on 4/10/14 at 9:46 am to WigSplitta22
If you bought some DSLD spec home and are bad at budgeting you might have good results with one. My buddy loves his because he just pays and doesn't have to save for a rainy day.
Posted on 4/10/14 at 10:46 am to WigSplitta22
quote:
Any OT'ers have experience with good home warranty companies around LA? To me it seems worth it if you think shite is about to start breaking like my AC unit and stove. Just curious on what good companies/prices are?
I have 2 homes in Louisiana and both are with American Residential Warranty (ARW).
I suggest using this type of service when the value of the home supports the decision. Mine are newer and one is leased to a great tenant that uses it about 2 weeks/mnth.
I have used it three times (freezer, A/C issue, and hot water heater) The heater was a large issue.
The comment about the repairmen being horrible is untrue. Actually, it was a Sears tech who came and did the freezer (replaced coil). I chose the AC and plumber (they needed immediate attention) and they were fine with that as long as repair guy called them first.
I pay about $45/mnth (per home) with a $55 deductible when someone is called out.
On the leased home, the tenant has the 800 # and doesn't even have to call me if an issue comes up. (She's an OT baller with 5 homes). BTW, she uses this company as well. SO shes fine with paying the $55 as long as issue is taken care of. If shes out of town, I have someone meet the repair guy there. I don't like work and this makes it hassle free for me....to each his own though..
NOTE!: I will say this VERY IMPORTANT tidbit. Always meet the repair guy there and be super nice. When he gets on the phone with the warranty company to verify the price and REASON for the need to repair, they will ask him a bunch of questions trying to pry info out of him that may give them reason to deny the claim. His words are all they have to go on. Simply checking your policy on the broken issue, you will know what needs to be said to them to make it a covered repair......a cold drink or snack goes a long way...
Posted on 4/10/14 at 1:13 pm to GeeOH
I'm dealing with my own home warranty people right now and all they want to do is put a band-aid on the problem instead of fixing the real problem....
Posted on 4/10/14 at 1:57 pm to Chaplain
This is exactly why I'm not re-upping. My AC is about to go but it needs to be replaced not repaired a bunch of times at $75 pet visit
Posted on 4/10/14 at 1:59 pm to DawgCountry
Yea...I won't be re-upping either next year. The only reason I have it now is because it was worked into the deal for the house.
Posted on 4/10/14 at 2:27 pm to DawgCountry
Mine does replacement or a cap total on some issues. They capped my hot water heater and paid the full 500. All aren't the same. Shop the fine print. Mine is solid. I'm happy.
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