Have you ever considered buying a home warranty?

I am sure that you've thought about getting a home warranty when you bought a house that may be a little older with older appliances, but have you ever thought about buying a home warranty for the home you already own? A good way to be sure you are getting a reliable service is to purchase a home warranty by a reputable company, such as American Home Shield, sometimes known as AHS. AHS is a qualified home warranty company. Let me tell you how their plan works. First of all, they only send out qualified service people, so that you can avoid the high cost of repairs at your home. Here's how it works: You will pay an annual premium, usually about $450. When an appliance or a heating system or a plumbing or an electric system goes bad or even your water heater needs repair, you just pay a service fee, which is normally around $50, and the warranty would take care of the rest; or a phone call to the warranty company would take care of all of that. Now you may think, wow, $450, that's a lot of money every year, seems like I am just paying for it on a year by year basis. Well, some insurance companies, like mine, offer home warranties as well, but it is going to be opposite of what AHS offers. It is only $28 a year, and it has a $500 deductible if you need it. It covers the same air conditioner, heaters, hot water tank, dishwasher, built in refrigerator, air conditioners, cool pumps, spa pumps, electrical service panels. If you need repair or replacement, they'll do so. If it needs to be replaced, they'll pay up to 25% above the cost to replace or repair, as long as it is more energy efficient or safer for the environment. You need to decide which option is best for you. Is the $450 a year with a low deductible or low service cost the right option? Or is the $28 a year with a $500 deductible the right option? For some people it may be right to just self-insure. If you have any questions, feel free to contact me at jerry@tulsahomeauto.com or my phone number is 918-254-2578, extension 227.

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Szeszulski Agency....
Jerry Szeszulski

(Shoe- Shell-Ski)
wk 918-254-2578 x227
Cell 918-808-6656

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com