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$5,000 Whole Life Insurance Policy
Do you need $5,000 of life insurance? Today, it's quicker and easier than ever before to get $5,000 of whole life insurance protection. This type of policy is best suited for people with health issues, cancer, COPD, HIV or AIDS, kidney failure, over age 60, or those who have had or need an organ transplant, or have been turned down for life insurance. In addition, many people purchase a $5,000 whole life policy to provide funds needed to pay for their final expenses, including the cost of a funeral and burial. It can be difficult to find life insurance with any of the health problems mentioned above, but there are insurance carriers that offer guaranteed issue life insurance policies. from All About Insurance https://www.term-life-online.com/5000-whole-life-policy.html
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How Student Loans Work | Understanding the Basics
College is far from cheap these days, and that’s true even when you go to an in-state school.
The College Board says that, on a national level, students paid an average of $10,230 for tuition and fees for four-year, in-state schools, and that doesn’t even include room and board.
If you include housing and meals in your planning, expect to fork over an average of $21,370 per year for public, in-state education.
With these figures in mind, it’s no wonder many students need to take out loans for college. It’s not feasible for most people to pay in cash — especially since college kids can’t always work while they go to school.
What is a Student Loan?
A student loan is a type of debt students take on in order to finance college tuition, fees, and living expenses while they finish college.
Just like any other type of loan, student loans charge interest on your balance that you’ll have to repay. However, with loans that are subsidized, the government takes care of the interest on your loans while you’re in school. With unsubsidized loans, interest starts accruing as soon as you take out the loan.
Some student loans — including Direct Subsidized Loans and Direct Unsubsidized Loans— grant you a grace period.
A grace period is an amount of time after you graduate or leave school before you must begin repaying your loans. Not all student loans come with a grace period, meaning some require you to make payments while you’re still in school.
Types of Student Loans
Federal Student Loans
In almost every situation, students should take advantage of any Federal student loans they qualify for first. Not only do Federal loans come with low fixed interest rates, but they also carry special benefits.
Direct Subsidized Loans and Direct Unsubsidized Loans for undergraduate students come with a fixed rate of 5.05% as of early 2019, while Direct Unsubsidized Loans come with a slightly higher APR of 6.6%. Direct PLUS loans come with an APR of 7.6%.
If you have trouble making payments on your Federal student loans, you may be able to qualify for deferment or forbearance.
Both programs that let you suspend your payments for a limited time. You can also consolidate your Federal loans with a Direct Consolidation Loan and/or extend your repayment timeline.
Another benefit of Federal student loans is the fact that they can help you qualify for income-driven repayment plans that let you pay a percentage of your discretionary income for 20-25 years before having your loans forgiven.
Federal student loans also come with the potential of having your student loans forgiven. If you work for a nonprofit or the government, you could qualify for Public Service Forgiveness, a major advantage of this funding source.
Private Student Loans
While Federal student loans are preferable in most cases, there are times when it makes sense to apply for a private student loan. Private student loans are offered by independent lenders who can set their own terms and rates, and they are often very competitive.
Keep in mind that it’s possible to find student loans with a private lender with rates as low as 3.25% APR.
That’s part of the reason many borrowers wind up refinancing their Federal student loans with a private lender. When the goal is paying off loans as quickly as possible, scoring a lower interest rate can help the process along.
Of course, some borrowers apply for private loans outright and not during a refinance. Private student loans can be a good option when you’ve borrowed up to Federal loan limits but still need money to finish your degree.
How Much Can You Borrow?
When it comes to borrowing money for college, your goal should be borrowing as little as you can. Remember you’ll have to pay back every dollar you borrow plus interest and fees.
Even borrowing a few extra thousand dollars per year can make your payments considerably higher, so you should strive to only borrow what you need.
With that being said, Federal student loans do come with limits that dictate how much you can borrow while you earn your degree.
For example, first-year undergraduate students that are dependent on parents can only borrow up to $5,500, and only $3,500 can be in subsidized loans.
Second-year dependent undergraduate students can borrow up to $6,500, and third-year dependent undergrads and beyond can borrow up to $7,500.
Borrowing limits for independent students and graduate students are significantly higher. For example, graduate or professional students can only borrow up to $20,500 per year in unsubsidized loans.
How Do You Apply for Student Loans?
Federal Student Loans
If you plan to apply for Federal student loans, the first thing you need to do is fill out a Free Application for Federal Student Aid — or FAFSA form. The FAFSA form can help you determine whether you qualify for any Federal aid, and if so, how much.
If you plan to apply for private student loans, you should really do your research to see which lender might work best for your needs. Fortunately, this is easy to do online and from the comfort of your own home.
Private Student Loans
College Ave Student Loans offers fixed and variable rate student loans with low rates and flexible repayment terms.
They also let you repay your new loan over 5 to 15 years, which gives you the opportunity to pay more or less each month depending on when you want your loans paid off.
College Ave also offers the most loan options and terms to choose from when compared to competitors like Sallie Mae and CommonBond. You can use the College Ave Student Loans calculator to find out ways to compare loan options and find ways to save.
The prequalification tool allows you to see what rates you may qualify for (without a hard check on your credit score). Either way, applying for private student loans is easy since you can complete the entire application process online.
What Happens If You Don’t Repay Your Loan?
One of the biggest downsides of student loans is the fact it is nearly impossible to discharge them in bankruptcy. This is true of both Federal and private student loans too, so there’s really no way around it.
If you stop paying on your loans, they will go into eventual default and continue accruing interest and fees.
You may also be responsible for repaying collections charges and court fees.
Loans go into default at different rates once they become late — 360 days on federal student loans and it can vary for private student loans.
The government may also be able to seize a percentage of your wages if you stop repaying your Federal student loans.
The Bottom Line
Borrowing money for college may be essential, but you should still have a plan in place before you take out loans for school.
Make sure you borrow as little as possible and have a plan to pay it back, or else you could live to regret it for decades to come.
Also make sure you take out the right type of student loan for the right reason. Both Federal and private student loans have their own set of pros and cons, but it’s up to you to do the research and decide.
The post How Student Loans Work | Understanding the Basics appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/how-student-loans-work/
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HSA Home Warranty Review | High-Quality Home Protection
HSA was established in 1984 and since that time has been a force in the home warranty industry.
From first-class service to excellent home warranty choices, HSA is a company customers associate with quality.
Since its inception, HSA has strived to make itself synonymous with the best service in the home warranty industry including hiring reliable technicians and knowledgeable customer representatives.
Located in Madison, Wisconsin, HSA believes its people make all the difference when it comes to customer satisfaction. This is evident if you call into HSA’s customer service team.
The chances are good you’ll speak to a knowledgeable and courteous agent who will go out of their way to get your problem addressed.
Below, we’ll review all of HSA’s key features and weigh the pros and cons of protecting your home with HSA.
HSA Home Warranty Review: Top Features
HSA offers a wide range of features for all its customers, putting it on our list of the best home warranty companies.
Here are a few of the benefits you can expect with your HSA home warranty.
Home Protection
There are always potential disasters lurking when it comes to home ownership. No one wants to be unprepared or unprotected when the worst happens.
Thankfully, HSA home warranties have a one-year contract which helps offset the cost of unexpected repairs. This coverage also helps with appliance replacements and wear and tear on your mechanical systems.
Convenient Service
If the worse does happen, you can reach out to HSA to get help with locating a professional to help you.
Instead of scouring the internet and hoping you find a reputable company, call HSA and ask for their support. Their fantastic customer service team will connect you with a qualified service company.
Annual Renewal
You can renew your HSA home warranty every year, which means you always have the protection you need.
Be prepared for unexpected incidents by ensuring that your HSA warranty automatically renews. That way, you don’t have to worry about coverage lapsing or not being available when you need it most.
Warranty Plans
HSA provides its home warranty to customers who are either buying and selling a home or those who are already existing homeowners in need of coverage.
No matter what type of customer you are, HSA gives you access to its array of plans. However, those who are in the process of buying or selling a home will only have temporary coverage.
Basic
This plan will run you $58 each month or $699 on an annual basis if you prefer to pay once a year.
Keep in mind that the price could change depending on what state you live in.
You can also reduce the cost if you’re willing to pay a higher deductible if you need that option.
You’ll receive great coverage from HSA if you select the basic plan. Some of the items covered in this plan are plumbing, heating, duct work, faucets, fans, lighting, ovens, microwaves, refrigerators, bathtubs, alarms, and ovens.
HSA also covers any failures that occur in your septic system as a result of corrosion or rust.
Upgrade Plan
With the Upgrade Plan, you’ll pay $71 a month, or $850 every year for the Upgrade Plan.
Not only does the Upgrade Plan cover everything the Basic Plan covers, but it also includes protection for the individual parts of your appliances.
Additionally, the Upgrade Plan will cover the cost of disposing of your old appliances and equipment. Again, bear in mind the amount you pay for this plan may vary based on where you reside.
The Good
It’s tough to know which home warranty plans are worth giving a try, which is why we want to point out some of the positives of the HSA home warranty. Let’s take a moment to review some of the benefits of purchasing an HSA home warranty.
Excellent Reputation in the Home Warranty Industry
HSA has an excellent reputation in its market for providing fantastic home warranties. The company offers excellent services and coverage, some of which you won’t find with other home warranty options.
Choosing HSA for your home warranty needs means you’re getting a well-known company in the industry.
Excellent Customer Support
If you rank customer service above everything else, then HSA is the company for you.
HSA takes great pride in offering knowledgeable, reliable, and courteous customer support representatives.
Whether you’re calling in to check on a claim or just need to find out what type of coverage you have, HSA goes above and beyond with its superb customer support.
Real Estate Coverage
If you’re a homeowner, this coverage won’t apply to you. However, real estate coverage does impact those who are considering purchasing a home of their own.
These types of plans give real estate agents the ability to provide coverage for their buyers. That way, while their clients are shopping for their new home, they’ll have the peace of mind they need
With 35 years in the home warranty market, HSA knows enough about the industry to create comprehensive plans for real estate agents, homeowners, or contractors. They understand how unique your needs may be and can help you find a way to protect your home.
No Inspection Required
Some home warranty companies require homeowners to submit to an inspection if they want coverage. HSA does not ask for this.
If you want to enroll for a home warranty with HSA, just fill out the form and pay the monthly premium.
However, HSA does require the items they cover are properly installed, maintained, and in good working order. If they are not, they will not qualify for coverage. Additionally, HSA does not cover pre-existing conditions under their home warranty plans.
The Bad
No home warranty company is perfect, and HSA is no exception. While the company offers plenty of benefits and features, it does have a couple of drawbacks as well.
Location: HSA is not available in every state. That means there is limited availability for their plans, and not all plans will work for everyone. It’s not clear whether HSA plans on expanding to other states; however, a smaller service area means that the company can focus on specific locations. HSA can specialize in particular markets, which makes them the experts in the areas in which they do provide coverage.
Reviews: HSA comes with its mix of positive and negative reviews, a common occurrence with home warranty companies. Taking those reviews with a grain of salt is key.
While HSA hasn’t been in business for as long as some of the more prolific home warranty businesses out there, three and a half decades of service is nothing to scoff at.
However, HSA does have an excellent reputation which makes it one of the best in the business. For the time they have been in business, they’ve been at the top of their industry and continue to be a successful and growing firm.
Alternatives to HSA
As you shop for a home warranty provider, take a look at some of the top alternatives to HSA.
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The Bottom Line
HSA gives its customers comprehensive home warranty coverage with fantastic features and benefits.
They’ve been around for 35 years, which makes them a veritable veteran in the home warranty industry. While they don’t provide their services to a large area, they are the experts in locations that they serve.
Their monthly premiums are reasonable, especially considering the amount of coverage their customers receive.
HSA provides coverage in areas where other companies don’t, so if you live in an area they service, they’re a great home warranty option.
The post HSA Home Warranty Review | High-Quality Home Protection appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/hsa-home-warranty-review/
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Total Home Protection Review
Total Home Protection has only been around since 2016, but their reputation for great coverage and prices has grown quickly.
They are committed to excellent service and comprehensive warranties. They contract with pre-screened technicians to provide their customers with trusted professionals in any situation.
Total Home Protection prides themselves on customer service, and even in situations where your problem falls outside the scope of your contract, they’re dedicated to helping make it right.
They have a high standard of ethics and great ratings anywhere you look online. Employees at Total Home Protection are dedicated to upholding the company’s standards, which is what makes them unique.
They offer exceptional customer service with a desire to build relationships with every warranty holder.
Coverage Features
If you’re looking for comprehensive coverage for your home, Total Home Protection has what you need, even in the most basic plan. Their comprehensive coverage and quality customer experience make them one of the best home warranty companies you can find.
Their pricing varies by location, but many of their coverage items can be added on as extras to any plan, giving you more comprehensive and customizable coverage.
Ductwork
Your ductwork flows throughout your house, delivering air and circulation when you need it. It’s a critical component to the operation of your home even though you cannot see it.
When something goes wrong with your ductwork, you’ll want to get it fixed right away.Total Home Protection can send a service agent to your house to assess the problem and fix it in no time.
Water Heater
If you like hot showers as most people do, you won’t want to live without a working water heater. Your water heater also ensures your dishwasher, your clothes washer, and any other faucet in the house has access to hot water when needed.
If you notice a problem with the water temperature in your home, file a claim with Total Home Protection, and they’ll have it figured out in no time.
Electrical System
Your electrical system is another internal system you can’t see, but it ensures you can plug in your appliances and turn on your lights.
Without it, you’d be in the dark, literally. With coverage from Total Home Protection, you can rest assured that your electrical system won’t have problems, and if it does, they’ll be easy to fix.
Plumbing System and Stoppage
If you have leaks or breaks in your gas, water, waste, vent, or drain lines, Total Home Protection can cover you up to $500 for diagnosis and repair.
They’ll also replace the broken part if it can’t be fixed. You’ll enjoy toilet tank, bowl, and joint part replacement as well.
Also, if your contractor has to cut into a wall to fix your issues, Total Home Protection will cover a rough finish of the site up to $500.
Home Appliances
When critical appliances like your washer and dryer, built-in microwave, refrigerator, stove, oven, cooktop, garbage disposal, or dishwasher stop working, Total Home Protection’s coverage kicks in.
Your home warranty plan will cover all mechanical components that are necessary for these devices to function.
Warranty Plans
Total Home Protection offers a variety of plans including some optional items you can add if you need to customize your plan further.
While pricing varies based on location, every plan comes with a 30-day cancellation policy. If you pay for the entire year up front, you’ll receive one month free.
Gold Plan
The gold plan provides basic coverage for the following:
plumbing system and stoppage
whirlpool bathtub
water heater
electrical system
range, oven, stove, cooktop, and built-in microwave
sump pump
dishwasher
trash compactor and garbage disposal
ductwork
garage door opener
ceiling and exhaust fans.
Platinum Plan
The platinum plan includes everything in the gold plan plus the following add-ons:
two air conditioning units
two heating systems
refrigerator
clothes washer and dryer.
Optional Coverage
With Total Home Protection, you can choose to cover optional items like the following:
pools and spas
limited roof leaks
central vacuums
well pumps and septic systems
a second refrigerator, stand-alone freezers, water softeners, refrigerator ice makers, and free-standing ice makers
additional air conditioning systems, additional heating systems, other water heaters
several garage door openers.
The Good
Along with this exceptional service, Total Home Protection also provides additional benefits that add extra convenience to their customers including great customer service, average pricing, and reliable technicians.
Competitive Prices
Total Home Protection offers average prices for their coverage.
Since their pricing is on par with other services, you can focus on which coverage features you need rather than worrying about whether you’re getting a fair price.
24/7 Customer Service
Total Home Protection offers customer service that rivals most competitors in this arena. Their representatives are available 24/7 to help answer your questions, file your claims, and make the buying process easier.
You can rest assured you’ll always be able to reach someone if you have problems with any items covered under your home warranty.
This 24/7 availability includes an online chat feature, making it even easier for you to find someone to talk to quickly.
No Home Inspection
While other providers require a home inspection before they’ll cover your home, Total Home Protection doesn’t.
You can cover any home, no matter the age without needing a home inspection first. This is great news for people who live in older homes or people who are thinking of buying an older home.
It gives you the peace of mind you need no matter what condition your home is in.
Pre-Screened Local Technicians
The great thing about a home warranty plan is that you don’t have to search the yellow pages for an experienced contractor to fix your problem.
Total Home Protection already knows the best in the business, so no matter why you’re filing a claim, they’ll send the expert that’s right for you and your project.
You can trust the service technicians they send your way because they’re guaranteed to be licensed and insured.
Online Community
Total Home Protection offers a blog, maintenances tips, FAQ, and testimonials for your convenience. You can use these online resources to get additional information on anything you might want to know.
If you have questions, need advice, or want to hear more about someone else’s first-hand experience, you’ll find it all here.
You can search for articles on your own time instead of relying on someone else to provide you with the answers you need.
The Bad
There’s only one major downfall to Total Home Protection’s coverage, and it’s their limited coverage areas.
Unfortunately, Total Home Protection only covers 33 of the 50 United States. That means you can’t get their great service everywhere.
If you live in a state that’s not covered, you’ll need to shop around for a different home warranty company.
However, if your state is covered, that means the services they provide are dedicated to you and your needs, the technicians are licensed and insured, and you have access to one of the best providers of home warranties in the business.
Alternatives to Total Home Protection
As you shop around for a home warranty plan, take a look at the top home warranty companies below to see what each alternative has to offer.
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The Bottom Line
While Total Home Protection isn’t available everywhere, they offer competitive pricing and coverage in 33 states.
The optional items can be added to any plan, making their plans more customizable than some competitors. This ensures you only pay for what you need.
They clearly list all inclusions and exclusions, making it easy for you to know exactly what you’re getting up front.
Terms and conditions are easy to understand, and customer service is available 24/7 for your convenience.
The post Total Home Protection Review appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/total-home-protection-review/
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Old Republic Home Protection Review
Dependable Home Warranty was founded in California in 1974. When they became a subsidiary of Old Republic International in 1982, they continued to provide reliable coverage to all of their customers.
They have since earned a spot among the top three home warranty companies in the country with an A+ rating from the Better Business Bureau.
Old Republic offers efficient and friendly service with comprehensive plans and straightforward pricing.
Their goal is to be a long-time service provider for your household by building a relationship with your family and earning your trust.
Old Republic Home Protection Review: Main Features
Old Republic offers many ways to protect your investment by covering common home repairs to help keep your house safe and sound.
With Old Republic, you can expect to find a variety of plans tailored to meet your coverage needs. Across plans, there are a number of features that stand out.
The following are some of our favorite Old Republic coverage features included in all plans, features which put it on our list of top home warranty companies.
Heating System
Heating units not exceeding five tons are covered under all of Old Republic’s warranty plans, and they don’t limit the number of units you can cover.
Most companies only allow coverage for one unit, and you have to pay extra for additional units, so this is a really excellent coverage option.
If you have multiple heating units in a large house or you have an outbuilding you use for your hobbies and projects, this coverage provides you with a great solution. Heating system coverage includes parts like the heat pump, ducts, thermostat, floor heater, and drain pumps.
Plumbing System
When a part of your plumbing isn’t working, it can disrupt your entire routine from dishes to showers to bathroom breaks.
Old Republic’s plumbing system coverage includes the following:
Drain line stoppages
Toilet tanks
Pipe leaks
clogs/leaks: in your water heater, water dispenser, garbage disposal, sump pump, and water pressure regulator parts
Electrical System
You use your electrical system for almost every part of your day. Making toast for breakfast, watching TV in the afternoon, and playing games with your kids in the evening all require electricity.
To keep the lights on, Old Republic covers your outlets, switches, panels, breakers, wiring, fuses, fans, and more.
If something goes wrong with your electrical system, they’ll restore power quickly so you can keep moving.
Home Appliances
Old Republic covers home appliances like your oven, cooktop, range, dishwasher, exhaust fan, built-in microwave, and trash compactor.
Every component of these systems is included in the event you experience normal wear and tear or an unexpected outage.
With this coverage, you can keep your kitchen in proper working order to cook meals, do dishes, or gather with family and friends.
Warranty Plans
Old Republic offers customizable warranty plans based on location. While there’s not a standard set of plans for you to preview, Old Republic has brochures available that detail the specific coverage in your area.
Old Republic offers location-based plans to provide better coverage based on common problems in your region.
For instance, you won’t pay for air conditioning coverage when your home doesn’t have an air conditioner.
They can provide superior options and more valuable service by segmenting their warranty plans this way. Experts servicing your location will be more knowledgeable about the problems you encounter and be able to fix them more quickly.
The Good
Old Republic offers some benefits in addition to their exceptional features, giving you not only great coverage but fantastic conveniences that make your life easier. Here are just a few of our favorites.
Easy Quotes
You don’t have to call Old Republic to request a quote, and you won’t be hassled by their representatives.
They provide online brochures listing the coverage options in your area so you can do the research on your own and find what’s right for you.
The quoted estimate is highly accurate and lists the service call fee along with the warranty plan price.
Online Claims
Most of your home warranty claims can be handled online, adding convenience to the process. If you find faulty wiring in the basement and you can live without spending time in that space for a few days, the online option is easy to use and eliminates the need for you to pick up the phone.
You should always call instead of filing a claim online in the event of an emergency or if you need to make multiple requests like bringing up previous services or getting the status of an existing claim.
Great Reputation
Old Republic prides themselves on having an outstanding reputation, and they do everything they can to maintain it. They’re reliable, professional, and competent.
The company lists their values online so you can always see how important it is to them to provide you with the best possible service.
They value honesty, and they are always open with their customers. With this kind of transparency, you can rest assured they’ll do whatever they can to give you the best service at the best prices.
Online Resources
Old Republic’s website includes a number of educational tools that can help you make an informed home warranty purchase.
With a blog full of home improvement tips, real estate marketing tools, information about home warranties, and more, you’ll be able to find what you need quickly.
The FAQ page includes answers to the questions that customers ask Old Republic most frequently, so when you’re on the hunt for more information about the company or their plans, it’s all right there.
Real Estate Professional Options
For real estate professionals who prefer to add perks to their sales, Old Republic has packages just for you.
You can cover all of the homes you sell with a fantastic starter warranty, enticing your buyers and giving you an edge.
These plans include extensive tools like customizable e-cards and newsletters, open house kits, and other marketing items.
The Bad
As with anything you buy, Old Republic has some downsides, none of which are too significant.
Coverage Areas
They don’t provide nationwide service, so their warranty plans aren’t available everywhere.
However, Old Republic has chosen to focus on areas where they feel they can offer the best value, so in the areas where service is available, it’s the best service you can get.
Customer Support
Old Republic doesn’t offer email or online support. Sometimes the most convenient thing you can do is hop online and chat with someone if you have a quick question.
The lack of online support forces you to call in a situation where it would typically be simpler to chat.
However, they do have phone representatives, and their online help section is more comprehensive than many other providers. They have an extensive FAQ section as well as a blog that provides even more advice and answers.
Alternatives to Old Republic
Old Republic is one of several great home warranty companies. Take a look at the top alternatives below to decide which provider is best for you.
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The Bottom Line
While Old Republic doesn’t have online chat support or coverage in all areas, they do have a fabulous reputation for being honest and upfront with customers.
Their integrity standards are some of the best in the business, giving you peace of mind that your warranty coverage will be honored.
Their quotes are easy to find without having to reach out to a representative, they have a no-pressure sales process, and they offer location-specific coverage for more comprehensive plans and solutions.
When it comes to home warranty coverage, Old Republic provides excellent options for all of your home warranty needs.
The post Old Republic Home Protection Review appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/old-republic-home-protection-review/
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Nations Home Warranty Review | Location-based Coverage
Nations Home Warranty has been serving the Dallas/Ft. Worth area since 1996.
They offer valuable services in their own neighborhoods by building relationships with their customers and providing quality care.
Remaining local has allowed them to specialize in unique problems that plague homes in the metro area and boost the local economy by creating jobs and treating their employees well.
Below, we’ll take a look at Nations Home Warranty’s coverage, cost, and claims process to help you determine whether or not it’s the best warranty provider for you.
Nations Home Warranty Review: Top Coverage Features
Even Nations Home Warranty’s basic plan provides critical coverage for your home needs, putting it on our list of the best home warranty companies.
With so many options to choose from, you’ll get comprehensive and customizable coverage that works for you.
Here’s a quick look at what you can expect your coverage to encompass:
Electrical System
Your electrical system is responsible for keeping the lights on, operating your appliances, and allowing you to relax in front of the TV.
If you have faulty wiring or a problem with your electrical system that causes your electricity to go out, Nations Home Warranty can help. They’ll cover your electrical system so you can get back to preparing meals for your family and reading with your bedside lamp.
Heating System
Texas winters are brutal. No one wants to live without their heating system in the coldest months, and Nations Home Warranty understands that.
If you have problems with your heating system or its components, a representative will come to assess the problem and fix it quickly so you won’t be out in the cold for long, if at all.
Plumbing
We don’t live in the dark ages, and most of us don’t have an outhouse in the back. You want to keep your toilets working and your lines clear so you can take care of business.
If you encounter a leak or a stoppage, Nations Home Warranty can clear it away so that you can enjoy the wonders of modern plumbing.
Lawn and Pest Coverage
One unique feature that Nations Home Warranty offers is lawn and pest coverage. Many other home warranty competitors don’t include this in the basic plan or at all.
Nations Home Warranty provides access to lawn care and pest control treatments as part of your home warranty package at a much more affordable cost than paying for these services through a contractor.
Appliances
Nations Home Warranty includes many appliances in their plans, and the basic plan covers your built-in microwave, stove, oven, range, dishwasher, and trash compactor.
Your kitchen will always be in normal operating order with this home warranty, and you won’t have to worry about getting them fixed if something goes wrong.
Warranty Plans
Nations Home Warranty services the Dallas/Ft. Worth area. Their pricing is based on the type of home you own and the square footage.
While pricing will vary for each person’s circumstance, the following plan pricing is based on a 2000-square-foot single family home.
The great thing about Nations Home Warranty plans is that any of them can be customized with a comprehensive list of add-ons.
Basic Package
The basic package costs $38 per month or $455 per year. It includes coverage for your essential appliances, ductwork, ducted electrical air conditioning, heating system, electrical, lawn and pest coverage, and plumbing.
Preferred Plan
The preferred plan costs $43.50 per month or $520 per year. It includes everything in the basic plan plus your garage door opener and subterranean termite treatments.
Ultimate Plan
The ultimate plan costs $52.50 per month or $630 per year.
It includes everything in the basic and preferred plans plus your primary kitchen refrigerator along with the ice maker and dispenser, your washer, and your dryer.
Premier Package
The premier package can be added to any plan for $8.50 per month or $100 per year.
It includes your garage door, door and track adjustments, track assembly, cables, rollers, transmitters, remote controls, and exterior touchpads.
Add-ons
Nations Home Warranty offers a comprehensive list of add-ons including the following:
Washer and dryer
Free-standing freezer
Garage door opener
Lawn sprinkler system
Pool and spa equipment
Well pump
Wine cooler, and more.
These add-ons range in price from $2 to $12 per month or $30 to $190 per year and any add-on can be added to any plan, making the plans customizable and better suited to your needs.
The Good
Along with excellent coverage, Nations Home Warranty provides additional conveniences and benefits to its customers that make it easy to file claims, view your account, and get help.
Mobile Application
Nations Home Warranty has a mobile application that allows you to log in on your mobile phone when you’re not near a computer.
You can view your account dashboard, update your information, or submit a claim. With apps for both Android and iOS, most users will find a mobile solution they can use.
Home warranty customers can easily search for their contract, file a claim, and check claim status. The company is constantly improving the app and adding more features, so as a Nations Home Warranty customer, there is always something new and exciting.
Support in English and Spanish
If you are a bilingual household or you only speaks Spanish, you can still get coverage that makes sense for you.
Nations Home Warranty services the ever-growing Hispanic population in the Dallas/Ft. Worth area by providing the same valuable services in Spanish as they do in English.
Easy Claims
Nations Home Warranty offers a smooth claims process online and on the mobile app. If you need to submit a claim, just log in to your account on the website or the mobile app and follow the instructions.
They will guide you through a set of prompts to enter either your home address or your contract number and discuss your issues.
Once your claim is submitted, you can count on prompt and professional service. A knowledgeable representative or service agent will come to your home, assess the problem, implement a timely fix, and get you on your way.
FAQs
Nations Home Warranty has an extensive FAQ section on their website to guide you through some of the questions you may have regarding home warranties and coverage options.
You can use this section to find what you need. You also have access to company information that should set your mind at ease about choosing this service for your home warranty needs.
The Bad
Although Nations Home Warranty offers comprehensive and customizable plans with excellent customer service, there are two key downsides to their product offering and additional features.
Cost: Nations Home Warranty is typically more expensive than their competitors, so if cost is your main concern, you’ll want to look at alternatives.
Coverage area: They only service the Dallas/Ft. Worth area, meaning you’ll need to look elsewhere if you don’t live in those areas.
While their services are not available in other areas and their coverage might cost a bit more, this allows them to specialize in the unique needs of a centralized population and build relationships with their neighbors.
The higher cost comes from the unique ability to completely customize your plan for your exact needs.
Alternatives to Nations Home Warranty
If you live outside of the area Nations Home Warranty serves, you’ll need to find an alternate company for your home warranty needs. No matter where you live, here are some of the top home warranty companies.
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The Bottom Line
Nations Home Warranty offers comprehensive coverage from a local company you’ll be glad to support.
They don’t have the same online help as some other competitors, and they may have higher prices, but they provide exceptional service and focus on relationship building.
What they lack in an online help section or app functionality they make up for in the ability to customize your plan to suit your needs so that you only pay for the features that matter to you.
The post Nations Home Warranty Review | Location-based Coverage appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/nations-home-warranty-review/
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Buying Life Insurance for Your Child
Can a parent buy life insurance for his/her child? Yes, parents have an Insurable Interest in their children, which is required in order for a person to buy life insurance on someone else. Many parents buy life insurance on their children for a number of different reasons, including to provide money to pay for the child's funeral and burial, to build cash value inside the policy for the child's future, and to guarantee the child life insurance protection as an adult, to lock-in low rates on life insurance for the child, among other reasons. from All About Insurance https://www.term-life-online.com/globe-life-vs-gerber-life.html
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Where Can I Buy Funeral Insurance?
If you haven't planned for your final expenses yet you may be looking to purchase funeral insurance coverage. But, where can you buy a funeral insurance plan? Today, there are several insurance companies that now offer funeral expense insurance policies you can get on the internet. Some of the leading providers of funeral plans include United of Omaha, Colonial Penn and Met life, among others - and they all offer free quotes you can request online to find out how much your funeral insurance will cost. These plans are usually guaranteed issue, which means you cannot be turned down if you meet the age requirements for approval. from All About Insurance https://www.term-life-online.com/where-can-i-buy-funeral-insurance.html
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Total Home Protection Review
Total Home Protection has only been around since 2016, but their reputation for great coverage and prices has grown quickly.
They are committed to excellent service and comprehensive warranties. They contract with pre-screened technicians to provide their customers with trusted professionals in any situation.
Total Home Protection prides themselves on customer service, and even in situations where your problem falls outside the scope of your contract, they’re dedicated to helping make it right.
They have a high standard of ethics and great ratings anywhere you look online. Employees at Total Home Protection are dedicated to upholding the company’s standards, which is what makes them unique.
They offer exceptional customer service with a desire to build relationships with every warranty holder.
Coverage Features
If you’re looking for comprehensive coverage for your home, Total Home Protection has what you need, even in the most basic plan. Their comprehensive coverage and quality customer experience make them one of the best home warranty companies you can find.
Their pricing varies by location, but many of their coverage items can be added on as extras to any plan, giving you more comprehensive and customizable coverage.
Ductwork
Your ductwork flows throughout your house, delivering air and circulation when you need it. It’s a critical component to the operation of your home even though you cannot see it.
When something goes wrong with your ductwork, you’ll want to get it fixed right away.Total Home Protection can send a service agent to your house to assess the problem and fix it in no time.
Water Heater
If you like hot showers as most people do, you won’t want to live without a working water heater. Your water heater also ensures your dishwasher, your clothes washer, and any other faucet in the house has access to hot water when needed.
If you notice a problem with the water temperature in your home, file a claim with Total Home Protection, and they’ll have it figured out in no time.
Electrical System
Your electrical system is another internal system you can’t see, but it ensures you can plug in your appliances and turn on your lights.
Without it, you’d be in the dark, literally. With coverage from Total Home Protection, you can rest assured that your electrical system won’t have problems, and if it does, they’ll be easy to fix.
Plumbing System and Stoppage
If you have leaks or breaks in your gas, water, waste, vent, or drain lines, Total Home Protection can cover you up to $500 for diagnosis and repair.
They’ll also replace the broken part if it can’t be fixed. You’ll enjoy toilet tank, bowl, and joint part replacement as well.
Also, if your contractor has to cut into a wall to fix your issues, Total Home Protection will cover a rough finish of the site up to $500.
Home Appliances
When critical appliances like your washer and dryer, built-in microwave, refrigerator, stove, oven, cooktop, garbage disposal, or dishwasher stop working, Total Home Protection’s coverage kicks in.
Your home warranty plan will cover all mechanical components that are necessary for these devices to function.
Warranty Plans
Total Home Protection offers a variety of plans including some optional items you can add if you need to customize your plan further.
While pricing varies based on location, every plan comes with a 30-day cancellation policy. If you pay for the entire year up front, you’ll receive one month free.
Gold Plan
The gold plan provides basic coverage for the following:
plumbing system and stoppage
whirlpool bathtub
water heater
electrical system
range, oven, stove, cooktop, and built-in microwave
sump pump
dishwasher
trash compactor and garbage disposal
ductwork
garage door opener
ceiling and exhaust fans.
Platinum Plan
The platinum plan includes everything in the gold plan plus the following add-ons:
two air conditioning units
two heating systems
refrigerator
clothes washer and dryer.
Optional Coverage
With Total Home Protection, you can choose to cover optional items like the following:
pools and spas
limited roof leaks
central vacuums
well pumps and septic systems
a second refrigerator, stand-alone freezers, water softeners, refrigerator ice makers, and free-standing ice makers
additional air conditioning systems, additional heating systems, other water heaters
several garage door openers.
The Good
Along with this exceptional service, Total Home Protection also provides additional benefits that add extra convenience to their customers including great customer service, average pricing, and reliable technicians.
Competitive Prices
Total Home Protection offers average prices for their coverage.
Since their pricing is on par with other services, you can focus on which coverage features you need rather than worrying about whether you’re getting a fair price.
24/7 Customer Service
Total Home Protection offers customer service that rivals most competitors in this arena. Their representatives are available 24/7 to help answer your questions, file your claims, and make the buying process easier.
You can rest assured you’ll always be able to reach someone if you have problems with any items covered under your home warranty.
This 24/7 availability includes an online chat feature, making it even easier for you to find someone to talk to quickly.
No Home Inspection
While other providers require a home inspection before they’ll cover your home, Total Home Protection doesn’t.
You can cover any home, no matter the age without needing a home inspection first. This is great news for people who live in older homes or people who are thinking of buying an older home.
It gives you the peace of mind you need no matter what condition your home is in.
Pre-Screened Local Technicians
The great thing about a home warranty plan is that you don’t have to search the yellow pages for an experienced contractor to fix your problem.
Total Home Protection already knows the best in the business, so no matter why you’re filing a claim, they’ll send the expert that’s right for you and your project.
You can trust the service technicians they send your way because they’re guaranteed to be licensed and insured.
Online Community
Total Home Protection offers a blog, maintenances tips, FAQ, and testimonials for your convenience. You can use these online resources to get additional information on anything you might want to know.
If you have questions, need advice, or want to hear more about someone else’s first-hand experience, you’ll find it all here.
You can search for articles on your own time instead of relying on someone else to provide you with the answers you need.
The Bad
There’s only one major downfall to Total Home Protection’s coverage, and it’s their limited coverage areas.
Unfortunately, Total Home Protection only covers 33 of the 50 United States. That means you can’t get their great service everywhere.
If you live in a state that’s not covered, you’ll need to shop around for a different home warranty company.
However, if your state is covered, that means the services they provide are dedicated to you and your needs, the technicians are licensed and insured, and you have access to one of the best providers of home warranties in the business.
Alternatives to Total Home Protection
As you shop around for a home warranty plan, take a look at the top home warranty companies below to see what each alternative has to offer.
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The Bottom Line
While Total Home Protection isn’t available everywhere, they offer competitive pricing and coverage in 33 states.
The optional items can be added to any plan, making their plans more customizable than some competitors. This ensures you only pay for what you need.
They clearly list all inclusions and exclusions, making it easy for you to know exactly what you’re getting up front.
Terms and conditions are easy to understand, and customer service is available 24/7 for your convenience.
The post Total Home Protection Review appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/total-home-protection-review/
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Life Insurance after Cancer Diagnosis
Can I get life insurance after being diagnosed with cancer? Yes, you may still be able to get insured for life insurance after a cancer diagnosis. It may depend on the insurer requirements for approval, as well as, the type of cancer, your age, your overall health, how long ago you were diagnosed, your prognosis, the medicine you take, if you are on chemo, and how you are managing your cancer, among other things. Also, there are guaranteed issue life insurance plans available for people ages 45 to 85 with no health exam required, no health questions asked, and you cannot be turned down if you meet the age requirements. However, these plans have graded (limited) death benefits the first two years you are insured. from All About Insurance https://www.term-life-online.com/guaranteed-acceptance-life-insurance.html
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Life Insurance after Cancer Diagnosis
Can I get life insurance after being diagnosed with cancer? Yes, you may still be able to get insured for life insurance after a cancer diagnosis. It may depend on the insurer requirements for approval, as well as, the type of cancer, your age, your overall health, how long ago you were diagnosed, your prognosis, the medicine you take, if you are on chemo, and how you are managing your cancer, among other things. Also, there are guaranteed issue life insurance plans available for people ages 45 to 85 with no health exam required, no health questions asked, and you cannot be turned down if you meet the age requirements. However, these plans have graded (limited) death benefits the first two years you are insured. from All About Insurance https://www.term-life-online.com/guaranteed-acceptance-life-insurance.html
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HSA Home Warranty Review | High-Quality Home Protection
HSA was established in 1984 and since that time has been a force in the home warranty industry.
From first-class service to excellent home warranty choices, HSA is a company customers associate with quality.
Since its inception, HSA has strived to make itself synonymous with the best service in the home warranty industry including hiring reliable technicians and knowledgeable customer representatives.
Located in Madison, Wisconsin, HSA believes its people make all the difference when it comes to customer satisfaction. This is evident if you call into HSA’s customer service team.
The chances are good you’ll speak to a knowledgeable and courteous agent who will go out of their way to get your problem addressed.
Below, we’ll review all of HSA’s key features and weigh the pros and cons of protecting your home with HSA.
Coverage Features
HSA offers a wide range of features for all its customers, putting it on our list of the best home warranty companies.
Here are a few of the benefits you can expect with your HSA home warranty.
Home Protection
There are always potential disasters lurking when it comes to home ownership. No one wants to be unprepared or unprotected when the worst happens.
Thankfully, HSA home warranties have a one-year contract which helps offset the cost of unexpected repairs. This coverage also helps with appliance replacements and wear and tear on your mechanical systems.
Convenient Service
If the worse does happen, you can reach out to HSA to get help with locating a professional to help you.
Instead of scouring the internet and hoping you find a reputable company, call HSA and ask for their support. Their fantastic customer service team will connect you with a qualified service company.
Annual Renewal
You can renew your HSA home warranty every year, which means you always have the protection you need.
Be prepared for unexpected incidents by ensuring that your HSA warranty automatically renews. That way, you don’t have to worry about coverage lapsing or not being available when you need it most.
Warranty Plans
HSA provides its home warranty to customers who are either buying and selling a home or those who are already existing homeowners in need of coverage.
No matter what type of customer you are, HSA gives you access to its array of plans. However, those who are in the process of buying or selling a home will only have temporary coverage.
Basic
This plan will run you $58 each month or $699 on an annual basis if you prefer to pay once a year.
Keep in mind that the price could change depending on what state you live in.
You can also reduce the cost if you’re willing to pay a higher deductible if you need that option.
You’ll receive great coverage from HSA if you select the basic plan. Some of the items covered in this plan are plumbing, heating, ductwork, faucets, fans, lighting, ovens, microwaves, refrigerators, bathtubs, alarms, and ovens.
HSA also covers any failures that occur in your septic system as a result of corrosion or rust.
Upgrade Plan
With the Upgrade Plan, you’ll pay $71 a month, or $850 every year for the Upgrade Plan.
Not only does the Upgrade Plan cover everything the Basic Plan covers, but it also includes protection for the individual parts of your appliances.
Additionally, the Upgrade Plan will cover the cost of disposing of your old appliances and equipment. Again, bear in mind the amount you pay for this plan may vary based on where you reside.
The Good
It’s tough to know which home warranty plans are worth giving a try, which is why we want to point out some of the positives of the HSA home warranty. Let’s take a moment to review some of the benefits of purchasing an HSA home warranty.
Excellent Reputation in the Home Warranty Industry
HSA has an excellent reputation in its market for providing fantastic home warranties. The company offers excellent services and coverage, some of which you won’t find with other home warranty options.
Choosing HSA for your home warranty needs means you’re getting a well-known company in the industry.
Excellent Customer Support
If you rank customer service above everything else, then HSA is the company for you.
HSA takes great pride in offering knowledgeable, reliable, and courteous customer support representatives.
Whether you’re calling in to check on a claim or just need to find out what type of coverage you have, HSA goes above and beyond with its superb customer support.
Real Estate Coverage
If you’re a homeowner, this coverage won’t apply to you. However, real estate coverage does impact those who are considering purchasing a home of their own.
These types of plans give real estate agents the ability to provide coverage for their buyers. That way, while their clients are shopping for their new home, they’ll have the peace of mind they need
With 35 years in the home warranty market, HSA knows enough about the industry to create comprehensive plans for real estate agents, homeowners, or contractors. They understand how unique your needs may be and can help you find a way to protect your home.
No Inspection Required
Some home warranty companies require homeowners to submit to an inspection if they want coverage. HSA does not ask for this.
If you want to enroll for a home warranty with HSA, just fill out the form and pay the monthly premium.
However, HSA does require the items they cover are properly installed, maintained, and in good working order. If they are not, they will not qualify for coverage. Additionally, HSA does not cover pre-existing conditions under their home warranty plans.
The Bad
No home warranty company is perfect, and HSA is no exception. While the company offers plenty of benefits and features, it does have a couple of drawbacks as well.
Location: HSA is not available in every state. That means there is limited availability for their plans, and not all plans will work for everyone. It’s not clear whether HSA plans on expanding to other states; however, a smaller service area means that the company can focus on specific locations. HSA can specialize in particular markets, which makes them the experts in the areas in which they do provide coverage.
Reviews: HSA comes with its mix of positive and negative reviews, a common occurrence with home warranty companies. Taking those reviews with a grain of salt is key.
While HSA hasn’t been in business for as long as some of the more prolific home warranty businesses out there, three and a half decades of service is nothing to scoff at.
However, HSA does have an excellent reputation which makes it one of the best in the business. For the time they have been in business, they’ve been at the top of their industry and continue to be a successful and growing firm.
Alternatives to HSA
As you shop for a home warranty provider, take a look at some of the top alternatives to HSA.
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The Bottom Line
HSA gives its customers comprehensive home warranty coverage with fantastic features and benefits.
They’ve been around for 35 years, which makes them a veritable veteran in the home warranty industry. While they don’t provide their services to a large area, they are the experts in locations that they serve.
Their monthly premiums are reasonable, especially considering the amount of coverage their customers receive.
HSA provides coverage in areas where other companies don’t, so if you live in an area they service, they’re a great home warranty option.
The post HSA Home Warranty Review | High-Quality Home Protection appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/hsa-home-warranty-review/
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Buy Death Insurance
Do you want to purchase a death insurance plan? If so, there are several options of coverage to choose from, including term life insurance, permanent life insurance, and final expense life insurance plans that will pay out a death benefit to your beneficiary upon your passing. Many people choose to buy a small life insurance policy to cover the cost of their final expenses, if they don't have the money saved to pay for their end of life expenses, including the cost of a funeral and burial. from All About Insurance https://www.term-life-online.com/buy-death-insurance.html
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Can You Apply Online for Insurance with Globe Life?
Yes, you can apply for a Globe Life insurance policy over the internet. With Globe Life you can request a free quote and apply online for your policy in about 10 minutes or less. There's no health exam, just a few simple health questions asked. Globe Life offers a safe, secure online application process and qualified applicants can get insured without the hassles and delays of a physical examination. Adults may choose up to $100,000 of life insurance protection. Globe life offers coverage for children, adults and senior citizens. from All About Insurance https://www.term-life-online.com/apply-for-globe-life-insurance-online.html
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Nations Home Warranty Review | Location-based Coverage
Nations Home Warranty has been serving the Dallas/Ft. Worth area since 1996.
They offer valuable services in their own neighborhoods by building relationships with their customers and providing quality care.
Remaining local has allowed them to specialize in unique problems that plague homes in the metro area and boost the local economy by creating jobs and treating their employees well.
Below, we’ll take a look at Nations Home Warranty’s coverage, cost, and claims process to help you determine whether or not it’s the best warranty provider for you.
Coverage Features
Even Nations Home Warranty’s basic plan provides critical coverage for your home needs, putting it on our list of the best home warranty companies.
With so many options to choose from, you’ll get comprehensive and customizable coverage that works for you.
Here’s a quick look at what you can expect your coverage to encompass:
Electrical System
Your electrical system is responsible for keeping the lights on, operating your appliances, and allowing you to relax in front of the TV.
If you have faulty wiring or a problem with your electrical system that causes your electricity to go out, Nations Home Warranty can help. They’ll cover your electrical system so you can get back to preparing meals for your family and reading with your bedside lamp.
Heating System
Texas winters are brutal. No one wants to live without their heating system in the coldest months, and Nations Home Warranty understands that.
If you have problems with your heating system or its components, a representative will come to assess the problem and fix it quickly so you won’t be out in the cold for long, if at all.
Plumbing
We don’t live in the dark ages, and most of us don’t have an outhouse in the back. You want to keep your toilets working and your lines clear so you can take care of business.
If you encounter a leak or a stoppage, Nations Home Warranty can clear it away so that you can enjoy the wonders of modern plumbing.
Lawn and Pest Coverage
One unique feature that Nations Home Warranty offers is lawn and pest coverage. Many other home warranty competitors don’t include this in the basic plan or at all.
Nations Home Warranty provides access to lawn care and pest control treatments as part of your home warranty package at a much more affordable cost than paying for these services through a contractor.
Appliances
Nations Home Warranty includes many appliances in their plans, and the basic plan covers your built-in microwave, stove, oven, range, dishwasher, and trash compactor.
Your kitchen will always be in normal operating order with this home warranty, and you won’t have to worry about getting them fixed if something goes wrong.
Warranty Plans
Nations Home Warranty services the Dallas/Ft. Worth area. Their pricing is based on the type of home you own and the square footage.
While pricing will vary for each person’s circumstance, the following plan pricing is based on a 2000-square-foot single family home.
The great thing about Nations Home Warranty plans is that any of them can be customized with a comprehensive list of add-ons.
Basic Package
The basic package costs $38 per month or $455 per year. It includes coverage for your essential appliances, ductwork, ducted electrical air conditioning, heating system, electrical, lawn and pest coverage, and plumbing.
Preferred Plan
The preferred plan costs $43.50 per month or $520 per year. It includes everything in the basic plan plus your garage door opener and subterranean termite treatments.
Ultimate Plan
The ultimate plan costs $52.50 per month or $630 per year.
It includes everything in the basic and preferred plans plus your primary kitchen refrigerator along with the ice maker and dispenser, your washer, and your dryer.
Premier Package
The premier package can be added to any plan for $8.50 per month or $100 per year.
It includes your garage door, door and track adjustments, track assembly, cables, rollers, transmitters, remote controls, and exterior touchpads.
Add-ons
Nations Home Warranty offers a comprehensive list of add-ons including the following:
Washer and dryer
Free-standing freezer
Garage door opener
Lawn sprinkler system
Pool and spa equipment
Well pump
Wine cooler, and more.
These add-ons range in price from $2 to $12 per month or $30 to $190 per year and any add-on can be added to any plan, making the plans customizable and better suited to your needs.
The Good
Along with excellent coverage, Nations Home Warranty provides additional conveniences and benefits to its customers that make it easy to file claims, view your account, and get help.
Mobile Application
Nations Home Warranty has a mobile application that allows you to log in on your mobile phone when you’re not near a computer.
You can view your account dashboard, update your information, or submit a claim. With apps for both Android and iOS, most users will find a mobile solution they can use.
Home warranty customers can easily search for their contract, file a claim, and check claim status. The company is constantly improving the app and adding more features, so as a Nations Home Warranty customer, there is always something new and exciting.
Support in English and Spanish
If you are a bilingual household or you only speaks Spanish, you can still get coverage that makes sense for you.
Nations Home Warranty services the ever-growing Hispanic population in the Dallas/Ft. Worth area by providing the same valuable services in Spanish as they do in English.
Easy Claims
Nations Home Warranty offers a smooth claims process online and on the mobile app. If you need to submit a claim, just log in to your account on the website or the mobile app and follow the instructions.
They will guide you through a set of prompts to enter either your home address or your contract number and discuss your issues.
Once your claim is submitted, you can count on prompt and professional service. A knowledgeable representative or service agent will come to your home, assess the problem, implement a timely fix, and get you on your way.
FAQs
Nations Home Warranty has an extensive FAQ section on their website to guide you through some of the questions you may have regarding home warranties and coverage options.
You can use this section to find what you need. You also have access to company information that should set your mind at ease about choosing this service for your home warranty needs.
The Bad
Although Nations Home Warranty offers comprehensive and customizable plans with excellent customer service, there are two key downsides to their product offering and additional features.
Cost: Nations Home Warranty is typically more expensive than their competitors, so if cost is your main concern, you’ll want to look at alternatives.
Coverage area: They only service the Dallas/Ft. Worth area, meaning you’ll need to look elsewhere if you don’t live in those areas.
While their services are not available in other areas and their coverage might cost a bit more, this allows them to specialize in the unique needs of a centralized population and build relationships with their neighbors.
The higher cost comes from the unique ability to completely customize your plan for your exact needs.
Alternatives to Nations Home Warranty
If you live outside of the area Nations Home Warranty serves, you’ll need to find an alternate company for your home warranty needs. No matter where you live, here are some of the top home warranty companies.
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The Bottom Line
Nations Home Warranty offers comprehensive coverage from a local company you’ll be glad to support.
They don’t have the same online help as some other competitors, and they may have higher prices, but they provide exceptional service and focus on relationship building.
What they lack in an online help section or app functionality they make up for in the ability to customize your plan to suit your needs so that you only pay for the features that matter to you.
The post Nations Home Warranty Review | Location-based Coverage appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/nations-home-warranty-review/
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Old Republic Home Protection Review
Dependable Home Warranty was founded in California in 1974. When they became a subsidiary of Old Republic International in 1982, they continued to provide reliable coverage to all of their customers.
They have since earned a spot among the top three home warranty companies in the country with an A+ rating from the Better Business Bureau.
Old Republic offers efficient and friendly service with comprehensive plans and straightforward pricing.
Their goal is to be a long-time service provider for your household by building a relationship with your family and earning your trust.
Coverage Features
Old Republic offers many ways to protect your investment by covering common home repairs to help keep your house safe and sound.
With Old Republic, you can expect to find a variety of plans tailored to meet your coverage needs. Across plans, there are a number of features that stand out.
The following are some of our favorite Old Republic coverage features included in all plans, features which put it on our list of top home warranty companies.
Heating System
Heating units not exceeding five tons are covered under all of Old Republic’s warranty plans, and they don’t limit the number of units you can cover.
Most companies only allow coverage for one unit, and you have to pay extra for additional units, so this is a really excellent coverage option.
If you have multiple heating units in a large house or you have an outbuilding you use for your hobbies and projects, this coverage provides you with a great solution. Heating system coverage includes parts like the heat pump, ducts, thermostat, floor heater, and drain pumps.
Plumbing System
When a part of your plumbing isn’t working, it can disrupt your entire routine from dishes to showers to bathroom breaks.
Old Republic’s plumbing system coverage includes the following:
Drain line stoppages
Toilet tanks
Pipe leaks
clogs/leaks: in your water heater, water dispenser, garbage disposal, sump pump, and water pressure regulator parts
Electrical System
You use your electrical system for almost every part of your day. Making toast for breakfast, watching TV in the afternoon, and playing games with your kids in the evening all require electricity.
To keep the lights on, Old Republic covers your outlets, switches, panels, breakers, wiring, fuses, fans, and more.
If something goes wrong with your electrical system, they’ll restore power quickly so you can keep moving.
Home Appliances
Old Republic covers home appliances like your oven, cooktop, range, dishwasher, exhaust fan, built-in microwave, and trash compactor.
Every component of these systems is included in the event you experience normal wear and tear or an unexpected outage.
With this coverage, you can keep your kitchen in proper working order to cook meals, do dishes, or gather with family and friends.
Warranty Plans
Old Republic offers customizable warranty plans based on location. While there’s not a standard set of plans for you to preview, Old Republic has brochures available that detail the specific coverage in your area.
Old Republic offers location-based plans to provide better coverage based on common problems in your region.
For instance, you won’t pay for air conditioning coverage when your home doesn’t have an air conditioner.
They can provide superior options and more valuable service by segmenting their warranty plans this way. Experts servicing your location will be more knowledgeable about the problems you encounter and be able to fix them more quickly.
The Good
Old Republic offers some benefits in addition to their exceptional features, giving you not only great coverage but fantastic conveniences that make your life easier. Here are just a few of our favorites.
Easy Quotes
You don’t have to call Old Republic to request a quote, and you won’t be hassled by their representatives.
They provide online brochures listing the coverage options in your area so you can do the research on your own and find what’s right for you.
The quoted estimate is highly accurate and lists the service call fee along with the warranty plan price.
Online Claims
Most of your home warranty claims can be handled online, adding convenience to the process. If you find faulty wiring in the basement and you can live without spending time in that space for a few days, the online option is easy to use and eliminates the need for you to pick up the phone.
You should always call instead of filing a claim online in the event of an emergency or if you need to make multiple requests like bringing up previous services or getting the status of an existing claim.
Great Reputation
Old Republic prides themselves on having an outstanding reputation, and they do everything they can to maintain it. They’re reliable, professional, and competent.
The company lists their values online so you can always see how important it is to them to provide you with the best possible service.
They value honesty, and they are always open with their customers. With this kind of transparency, you can rest assured they’ll do whatever they can to give you the best service at the best prices.
Online Resources
Old Republic’s website includes a number of educational tools that can help you make an informed home warranty purchase.
With a blog full of home improvement tips, real estate marketing tools, information about home warranties, and more, you’ll be able to find what you need quickly.
The FAQ page includes answers to the questions that customers ask Old Republic most frequently, so when you’re on the hunt for more information about the company or their plans, it’s all right there.
Real Estate Professional Options
For real estate professionals who prefer to add perks to their sales, Old Republic has packages just for you.
You can cover all of the homes you sell with a fantastic starter warranty, enticing your buyers and giving you an edge.
These plans include extensive tools like customizable e-cards and newsletters, open house kits, and other marketing items.
The Bad
As with anything you buy, Old Republic has some downsides, none of which are too significant.
Coverage Areas
They don’t provide nationwide service, so their warranty plans aren’t available everywhere.
However, Old Republic has chosen to focus on areas where they feel they can offer the best value, so in the areas where service is available, it’s the best service you can get.
Customer Support
Old Republic doesn’t offer email or online support. Sometimes the most convenient thing you can do is hop online and chat with someone if you have a quick question.
The lack of online support forces you to call in a situation where it would typically be simpler to chat.
However, they do have phone representatives, and their online help section is more comprehensive than many other providers. They have an extensive FAQ section as well as a blog that provides even more advice and answers.
Alternatives to Old Republic
Old Republic is one of several great home warranty companies. Take a look at the top alternatives below to decide which provider is best for you.
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The Bottom Line
While Old Republic doesn’t have online chat support or coverage in all areas, they do have a fabulous reputation for being honest and upfront with customers.
Their integrity standards are some of the best in the business, giving you peace of mind that your warranty coverage will be honored.
Their quotes are easy to find without having to reach out to a representative, they have a no-pressure sales process, and they offer location-specific coverage for more comprehensive plans and solutions.
When it comes to home warranty coverage, Old Republic provides excellent options for all of your home warranty needs.
The post Old Republic Home Protection Review appeared first on Good Financial Cents®.
from All About Insurance https://www.goodfinancialcents.com/old-republic-home-protection-review/
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