Understanding Home Warranties

What is a Home Warranty?

It is a 1 year service contract that helps protect homeowners against the cost of unexpected repairs and replacements of covered major systems and appliances that break from normal usage.

What Does a Home Warranty Cover?
- Water heater
- Heating system/Cooling system
- Plumbing system
- All major appliances
- Electrical system

What it Doesn't Cover
- Roof
- Doors & Walls
- Items not built-in

Optional Warranties
- Roof
- Well pumps
- Swimming pools, spas

A warranty normally excludes pre-existing conditions, such as items that are not in working condition when coverage is put in place.

Where can I get One?

Your REALTOR can provide you with the company information.

Many times a seller pays for and provides the coverage to the buyer as part of the transaction.

Ask for a "seller provided" warranty when making an offer on a house.

Many buyers purchase them for their own protection.

How Much Do They Cost?

The cost for a basic one-year home warranty ranges from $325 to $425.

Optional coverage is per added item, such as pool, spa or well pump.

Each contract calls for a deductible payment or service call fee from the claimant directly to the repair contractor. This fee is usually $50 to $100.

The warranty company picks up the cost of repair above that amount.

Home warranties have proven to be well worth the cost of coverage.

As a buyer, use it as a negotiation tool in a purchase contract.

Why a Home Warranty

Sellers: A Home Warranty provided by the seller will be viewed as a benefit to the buyer. Adding a home warranty to your listing adds confidence and might result in someone purchasing your home over a newer home. Many people are nervous about old appliances and fixtures. Buyers are much more comfortable with a house that includes a one year warranty. The warranty can be promoted in the advertising as a drawing feature of the home.

It protects you should something go wrong after the buyer moves in. If a covered system or appliance repair is needed, the Buyer calls the warranty company, not you!

This after-sale liability protection is well worth the cost of coverage.

Pay at Closing

There is no charge to the Seller until closing. It is typically paid through escrow.

Cecilia Sherrard is a top producing REALTOR with Realty One Real Living Cleveland Ohio. She has helped many buyers and sellers relocate and find their perfect home. You can find many useful tips and information on her site http://www.youshouldown.com buy valentine flowers
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The Story of Fathers Day

The story of Fathers Day is an interesting one. Some say it is little more than a fake holiday, designed by card shops to fill a summer lull in holidays and separate punters from their cash, but that couldnt be further from the truth (its also not true for Valentines Day, the holiday most commonly accused of this look it up).

Fathers Day got its start in 1909 Washington, when Sonora Smart Dodd was listening to a sermon about Mothers Day, which had just been created two years ago. Mothers Day was started by a woman named Anna Jarvis, because she wanted to honour her own mother, and she quickly found official support to get it made into a holiday. Sonora, however, had no mother her father was a single parent who raised her and five other children single-handedly. She thought fathers should have a day too, and the story of Mothers Day inspired her to try to start one.

The idea quickly caught on, through press coverage and word of mouth, and by the 20s thousands of people celebrated it, including then-President Woodrow Wilson. It was controversial at first, as many thought it would be seen as an attempt by men to get their own Mothers Day and diminish the contributions of women, but eventually common sense won out and the day was added to the calendar.

The tradition rapidly spread around the world to countries that didnt already have a day for fathers today, most of the worlds countries celebrate it in some form. Many places, including America and the UK, celebrate Fathers Day on the third Sunday in June, but some countries use other dates. Today, Fathers Day is the fifth-largest holiday when it comes to the number of cards sent each year, coming in after Christmas, Easter, Valentines Day and Mothers Day.

John Gibb is the owner of fathers-day-resources2k.info, for more information on Fathers Day check out http://www.fathers-day-resources2k.infoFlowerdelivery
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