does hms home warranty cover plumbing

They never called or showed up," Torine said. By now it was May 14. Torine called the warranty company again and was given a new repair guy to call. "I called immediately," Torine said. "He said, 'Why does Sears keep giving out my number?I'm not licensed for air conditioners. '" Curious, Torine did a quick search to see how many air conditioner repair companies he could find in Morris County: more than 75 during a three minute Google search, he said.

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01.14.2007 | 34 Comments

I thought the article on home warranties was fairly useless. Your article didn't express any point of view. In fact, I got the sense you pulled your punches, in the hopes that more warranty companies would pay to become Angie's List reviewed. Here is a simple test to determine if a home warranty makes sense to you. Call your state insurance department and ask them what the loss ratio is for warranty coverage in your state. As an example, the industry average for after market auto warranties is 8%. That means for every dollar the warranty company collects from their clients, they pay out 8 cents on the dollar for claims. You can actually get better odds in Vegas. I received a home warranty when I bought my home from the estate of the previous owner. It proved valuable, since the previous owner had not kept up maintenance for some years. The warranty paid for replacement of the frozen main water shutoff, fixing an unsteady toilet and fixing a leaky tub drain fixture.

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01.14.2007 | 16 Comments

That’s why we buy life insurance. That’s why we buy homeowner’s insurance. If your house burns down, you can’t self insure through that one. You can self insure through your DVD player breaking. If you can’t, you don’t need to be buying a DVD player. You could self insure through your heating and air going out. It’s called an emergency fund. You can’t self insure through a triple bypass, so you have health insurance. On the big things, you transfer the risk. On the little things, you self insure. By the way, that gives you more money to self insure with because you’re not spending all your money on home warranties, extended warranties, electronics warranties and all these other rip off things.