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Recommend a good Home Warranty company

Posted on 10/13/14 at 9:07 am
Posted by medtiger
Member since Sep 2003
21659 posts
Posted on 10/13/14 at 9:07 am
I'm currently with Home Warranty of America, and they recently caused me some problems that I'm not happy about. My contract is up at the end of the month, so I'm looking to switch. I've also found that this is a pretty low rated company from some online searches. Anyone have some good recommendations?
Posted by ForeverLSU02
Albany
Member since Jun 2007
52147 posts
Posted on 10/13/14 at 9:21 am to
I had Old Republic and I'm indifferent with them. Had them for 2 years and they fixed by bathroom vent that quit working with refurbished parts. I couldn't justify paying $500/year and I cancelled the warranty. The vent fan quit working again soon after that
Posted by Layabout
Baton Rouge
Member since Jul 2011
11082 posts
Posted on 10/13/14 at 9:30 am to
They're all scams. Save your money.
Posted by TigerDeBaiter
Member since Dec 2010
10258 posts
Posted on 10/13/14 at 9:50 am to
^ this
Posted by Vandyrone
Nashville, TN
Member since Dec 2012
6954 posts
Posted on 10/13/14 at 9:50 am to
quote:

They're all scams. Save your money.


This. Put aside the money that you would have been paying towards these companies and you'll likely come out ahead.
Posted by ItNeverRains
37069
Member since Oct 2007
25419 posts
Posted on 10/13/14 at 9:54 am to
quote:

They're all scams. Save your money.


When contracting to purchase real estate, I think it's a good idea, especially if your buying an older home. For just year after year contracts, I would put the money elsewhere.

If it helps you sleep at night, try 2-10
Posted by Ace Midnight
Between sanity and madness
Member since Dec 2006
89488 posts
Posted on 10/13/14 at 10:30 am to
American Home Shield did right by us. We bought an older house and kept it for about 3 years. For me, we came out on top, plus the peace of mind.

But, yeah, keeping it on year after year or taking one out on a new house is probably a losing proposition.
Posted by rmc
Truth or Consequences
Member since Sep 2004
26498 posts
Posted on 10/13/14 at 10:57 am to
AHS is usually what I see. No actual experience with them.
Posted by BigAppleTiger
New York City
Member since Dec 2008
10376 posts
Posted on 10/13/14 at 11:20 am to
quote:

American Home Shield


This is the correct answer.
Posted by Layabout
Baton Rouge
Member since Jul 2011
11082 posts
Posted on 10/13/14 at 11:27 am to
quote:

AHS is usually what I see. No actual experience with them.

I do have experience with them. They're among the worst and the contractors they use almost invariably break more than they fix. Caveat emptor.
Posted by GeeOH
Louisiana
Member since Dec 2013
13376 posts
Posted on 10/13/14 at 1:10 pm to
I have ARW...American Residential Warranty.

They are NOT a scam. I have a home I lease and don't want to bother with calls. It's a nice home so it's worth the $46 per month to cover everything, including plumbing outside of the home.

I've used it twice. They paid max for a water heater repair, $500!, last winter. They also paid for an ac issue during the summer.

What is important is to be friendly to the guy that comes out for the inspection.....what he reports to them on the phone is key to them paying in full. They all ask questions trying to get an answer that disqualifies.

My tenant, a woman, calls them herself if she needs something fixed, and she pays the $55 service fee. I pay the monthly to protect my investment.

I always talk to the service guy and they are very helpful in you getting the claim paid...that's how they get paid. If you don't repair thru the insurance, they know you may call someone else.

NO brainer for me.
Posted by Chad504boy
4 posts
Member since Feb 2005
166147 posts
Posted on 10/13/14 at 2:50 pm to
scam... although i had 2-10 pay me for a new microwave... shitty thing is they apply a deductible and service call from your max amount when you tell them I need a new microwave, they require to pay a contractor to come look up and write up a $700 repari bill for a $300 microwave.
Posted by Booyow
Member since Mar 2010
3991 posts
Posted on 10/13/14 at 3:01 pm to
quote:

American Home Shield did right by us. ...... For me, we came out on top, plus the peace of mind.


+1

Bought a ~9-10 year old house with multiple AC units. They've replaced an evaporator coil on one and compressor on another. Has definitely paid for itself. I also agree with the poster that said he talks to the service guys who come to the house. They can definitely help your cause.
Posted by Nobs
Houston
Member since Dec 2010
377 posts
Posted on 10/13/14 at 3:12 pm to
Have had good success with OneGuard. They have a nice service program you can use with a $60 copay.
Posted by medtiger
Member since Sep 2003
21659 posts
Posted on 10/13/14 at 7:38 pm to
So, I did an online quote with American Home Shield. They quoted me $833 per year. Does that sound right? I'm currently paying $500 with the same service call fee, so I'm thinking it might not be worthwhile at that price.
Posted by GeeOH
Louisiana
Member since Dec 2013
13376 posts
Posted on 10/14/14 at 9:46 am to
quote:

scam... although i had 2-10 pay me for a new microwave... shitty thing is they apply a deductible and service call from your max amount when you tell them I need a new microwave, they require to pay a contractor to come look up and write up a $700 repari bill for a $300 microwave.


I have no clue which company you are referring to. There is no "dedcutible" with mine. There is a $50ish service call fee you pay on the original call. After that, if its a covered issue, they pay 100% to fix or replace. Some objects have a max amount. In my water heater case, it was $500. They paid the max because I fought with them for a week (screw up in the claim procedure). I did NOT have to replace it, just as a good faith sign, the reimbursed full amount.

Also, I forgot the icemaker went out on my Fridgidare, and they fixed that (minus the $55) and it was actually a Sears repairman they were contracted with on that brand.

quote:

i had 2-10 pay me for a new microwave.


I have NO idea what that means. No deductibles on either company Ive ever had.
Posted by Ric Flair
Charlotte
Member since Oct 2005
13653 posts
Posted on 10/14/14 at 7:33 pm to
Bought a house 5 years ago with a home warranty for one year tossed in. Didn't use it. Would have cost me around $2800 to keep it over the next 4 years. Paid cash for a new garage door opener and a new garbage disposal. Saved $2200 plus whatever service charge they would've tacked on.

Unless you anticipate an AC unit going out soon, I doubt it would be worth it.
Posted by Chad504boy
4 posts
Member since Feb 2005
166147 posts
Posted on 10/14/14 at 7:35 pm to
quote:

There is a $50ish service call fee you pay on the original call.



Think about it, that's a. Deductible

2-10 is warranty company
Posted by StringedInstruments
Member since Oct 2013
18348 posts
Posted on 10/14/14 at 7:38 pm to
I'd say it was worth it a few years ago. Now that AHS is not longer paying for freon (or whatever coolant is used in a/c nowadays), it's not really economical because they won't replace the unit.

Within the first three years though, I got one a/c unit replaced, a new water heater, and a new garbage disposal. I spent about $2000 total with AHS in those three years. I'd say I came out way ahead.

But my upstairs unit needs to be replaced, and AHS has not been so kind with helping me out. Seems like it goes out twice a year and each time, AHS sends a different repair company that claims the coolant is low and just adds some.
Posted by jondavid11
benton,la
Member since Aug 2007
1152 posts
Posted on 10/14/14 at 11:39 pm to
American Home Shield. Don't have any longer but wife had on two houses and every experience when they had to be used was a positive one.
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