Home Guarantee is a kind of insurance that protects your household appliances. You pay annual premium and you also pay service fee per repair accident. American homescholden is one of the leading home guarantee providers also known as homeand office contracts. There are many such providers and some are limited to one or few states. Other companies like US will provide nationwide coverage.
American homeschild is also known as AHSand Warranty a subsidiary of Service Master Company. If you want to buy home insurance cover AHS is definitely one of your best choices. However do not restrict your choices. Review offers from other companies on the market. Some companies offer very low prices but that does not mean you have to go with the company that offers the lowest of the prices. As you said you usually say what you paid for. So you have to be careful when choosing a service based on the single interest rate.
Before you decide to purchase the policy decide if you really need home insurance. The general rule of thumb is that if your larger appliances are older than 10 and 12 years you probably need to plan for maintenance and repair. The replacement cost of large appliances such as HVAC exceeds what you usually spend on the premium of the policy so your decision would be justified. Please note however that all home security companies require you to receive the annual maintenance inspection by a professional. Failure to make or maintain records of such maintenance is deemed to be a breach of your contract which rejects your repair requirements.
Aged homes generally need protection from home insurance because they tend to make the device reach the end of life and the replacement costs will be at the higher end. Most new and existing homes are sold with the home guarantee policy as an incentive for the buyer. This is also a reason why the warranty is overused as a sales tool rather than the actual insurance. For the same reason home buyers are advised to have a professional inspector inspect appliances before the closing date. It is not recommended to go with the home inspector as suggested by real estate agents as it creates a conflict of interests.
Choose the company that has a good reputation. After all you need an insurance to help you in difficult times. If the company provides shady service then it is good to make sure? Make sure you check reviews of the company online and offline. Call your friends and check what company they are using and ask if they are happy with the service they receive. Most importantly check if they had to get any bigger appliance such as heater or air conditioning repaired or replaced. If the warranty company did a good job you might want to check their offer and price. AHS prices are generally a bit expensive compared to other offers. So if you find a reasonable company that offers good service and grades why not go for it?
New home guarantee covers the effect of 30 days purchase date with most insurance companies. However the American Home Shield policy is immediately effective which is a good offer considering that you do not have to wait 30 days before submitting your first application. You can also cancel your policy within a month if you are not satisfied with the coverage. If you need to cancel after 30 days call customer service number but you may need to pay any fees if you do not move.
The occupied homeowners who do not have the time or desire to fix minor issues with household appliances will get this type of insurance at hand. If you do not have such coverage you need to tighten some entrepreneurs check their references and wait until they appear for work. It may take some time and if you are not willing to wait you might want to consider a home care contract. As with any insurance do not assume you have cover cover. Problems caused by negligence or lack of maintenance will not be covered and you may need to spend your own money to get the repair work done in such scenarios. Overall if you have older appliances and if they are costly to repair or replace you should get some kind of coverage.