Homeowner Articles
Plain explanations of home service contracts: what they cover, what they exclude, how claims are decided, and how to tell whether a plan is worth its price.
Home Warranty or Homeowners Insurance: What Each One Actually Covers
They sound similar and they overlap almost nowhere. Knowing which is which prevents the two most common denied claims.
Reading the Exclusions Before You Sign a Home Service Contract
The coverage list sells the plan. The exclusions decide your claims. Here are the eight clauses to read first.
Coverage Caps and Service Fees: The Two Numbers That Decide Value
Monthly price is the number people compare. These two decide whether the plan pays for itself.
How a Home Warranty Claim Actually Works, Step by Step
What happens between the call and the repair, and the four points where claims most often go wrong.
The Paperwork That Keeps a Claim From Being Denied
Lack of maintenance is one of the most cited reasons for denial. Fifteen minutes a year of record keeping answers it.