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  • How Many Home Invasions Happen Per Year In The U.S.? 13+ Burglary Statistics

    While home invasions and home burglaries are showing a decrease, some 2.5 million burglaries still happen every year in America. Of those, 1.65 million are considered home invasions. Many of these burglaries occur during the day at a rate of every 30 seconds. And while it’s incredible that 72% of these home robberies happened when no one was home, it’s essential to know what’s causing this and how you are protected.

    Top Burglary & Home Invasion Statistics:

    • There are 2.5 Million Burglaries Per year in the U.S.
    • Every 30 seconds, a burglary takes place in the United States.
    • A Majority of burglaries occur during the day
    • 75 percent of residential burglaries occur when no one is present.
    • Only 25% of Americans have a residential security system.
    • Homes with no security system are 300 percent more likely to be robbed.
    • Unanswered mail is one of the most reliable methods for potential robbers to learn that no one is at home.
    • Only 13.6% of burglars are apprehended because there isn’t enough evidence.

    Number Of U.S. Home Invasions

    How Many Home Invasions Happen Per Year?

    There are over 1.65 Million home invasions per year which accounts for about 66% of all 2.5 Million burglaries that happen every year according to the FBI.

    Burglary & Home Invasion Statistics By State

    The table below summarizes the long-term decline in the number of burglaries observed across the country. In every region of the country, the estimated number of burglaries fell in 2019 — 13.5 percent in the Northeast, 10.3% in the Midwest, 9.4% in the West, and 8.4% in the South.

    For this period as a whole, property crimes decreased by 9.9 percent across America overall (not just Colorado). The crime’s downward trend was comparable for all property offenses throughout America, which dropped 4.1 percent compared with last year’s estimate.

    STATE

    BURGLARY RATE PER 100,000 

    Alabama

    531.90

    Alaska

    487.1

    Arizona

    394.3

    Arkansas

    599.60

    California

    386.10

    Colorado

    348.40

    Connecticut

    180.70

    Delaware

    304.80

    District Of Columbia

    261.10

    Florida

    295.20

    Georgia

    372.10

    Hawaii

    377.20

    Idaho

    219.70

    Illinois

    271.70

    Indiana

    323.70

    Iowa

    371.10

    Kansas

    342.70

    Kentucky

    345.70

    Louisiana

    579.00

    Maine

    174.80

    Maryland

    278.90

    Massachusetts

    179.00

    Michigan

    286.10

    Minnesota

    282.40

    Mississippi

    627.00

    Missouri

    430.40

    Montana

    270.10

    Nebraska

    245.30

    Nevada

    503.50

    New Hampshire

    126.30

    New Jersey

    184.60

    New Mexico

    696.80

    New York

    141.90

    North Carolina

    519.10

    North Dakota

    342.20

    Ohio

    375.50

    Oklahoma

    671.70

    Oregon

    349.10

    Pennsylvania

    182.40

    Rhode Island

    219.10

    South Carolina

    533.40

    South Dakota

    299.10

    Tennessee

    437.40

    Texas

    392.80

    Utah

    276.70

    Vermont

    204.30

    Virginia

    162.80

    Washington

    453.60

    West Virginia

    328.70

    Wisconsin

    217.60

    Wyoming

    241.20

    Burglary Statistics By Second, Minutes, and Day

    What Are The Chances Of Your House Being Robbed?

    According to the FBI, a thief enters a home every 30 seconds in the United States. That’s roughly two robberies each minute and over 3,000 burglaries every day. Burglary rates have decreased 26 percent nationwide since last year, according to the 2021 State of Safety Survey.

    What Time Do Most Break-Ins Occur?

    Robbers operate in the light of day rather than at night. Burglaries are more likely to occur during the day between noon and 4 p.m., according to a 2016 burglary victimization survey. The FBI’s 2019 burglary statistics revealed that 45% of all reported burglaries occurred during the day, compared to 39% at night. Keep in mind, however, that 72 percent of home burglaries occurred when no one was home.

    Home Invasion Security Statistics

    Do Home Security Systems Deter Crime?

    Burglars are interested in houses that lack home security systems. Only 25 percent of residences have a security system in place, despite the fact that burglars are most drawn to properties without one. Homes with no security system are 300% more likely to get robbed.

    How Do Robbers Pick A House?

    Unopened mail piling up in your mailbox might entice potential thieves because it indicates that no one is at home. When you consider that only 13.6 percent of burglars are caught (due to a lack of evidence), it’s easy to understand why someone would break into a house.

    Homeowners Insurance & Burglaries In 2021

    Will My Homeowners Insurance Cover A Home Burglary?

    Yes, your homeowner’s insurance will cover you if your house is burgled, that’s why it’s essential to compare home insurance quotes before you purchase a policy. You want to make sure that you have enough coverage to cover your personal property and your home.

    And did you know:

    That If your house is burgled, you could lose almost $3,000. That’s a significant amount of money, especially for those who are barely making it by. This does not account for any irreplaceable items that may have been taken.

    Concluding Thoughts

    Taking Action

    It’s difficult to believe that there are still 1.65 million homes in the United States being burgled each year.

    Even more frightening? Every 30 seconds in America, someone breaks into a home, and just 25% of Americans have any sort of security system installed on their property.

    With these basic facts in mind, it’s critical to get homeowners insurance and understand exactly what your homeowner’s policy will and won’t cover. These numbers are alarming, but we can reduce these break-in numbers with some preventative effort.

    Sources:

    Bank Rate | Nation Search | FBI: UCR | Pew Research Center | NYTimes | Bureau of Justice Statistics | American Society Of Criminology | Science Daily | Statistica | 

  • Life Insurance And Divorce Why You Need A No Exam Policy!

    One of the worst things about going through a divorce is dealing with the separation of all the things that were once part of a whole, and something like life insurance is usually last on the list.   But here’s the thing, dealing with life insurance and divorce doesn’t have to be complicated.

    And if you make it part of your plan in the early stages of your divorce, it can at least make a hard situation a bit easier. Today I am going to discuss how to protect yourself and your kids during a divorce and why you should choose a no medical policy when dealing with a divorce decree for coverage.

    Managing Life Insurance And Divorce

    When it comes to life insurance and getting divorced, you will always want to figure out how your life insurance policy is set-up, but first, let’s talk about the different roles that make up a Life Insurance And Divorce Why You Need A No Exam Policy!. 4 primary roles make up a life insurance policy, and each of them can be a different person:

    Owner

    The owner of a life insurance policy is the only person that can make changes to the plan or cancel it. Most of the time, the owner is also the Insured; however, in most marriages, the spouse that handles the bills is usually the owner from my experience.Remember, whoever is placed as the owner of the policy is the only person that can make changes to the policy. That means they can change the beneficiary of the policy or the percentage the beneficiary receives.

    Beneficiary

    The beneficiary is the person that the policy is going to pay out to. As long as the person has what is called “Insurable Interest” you will be able to put them as your beneficiary. Insurable interest just means anyone who would be negatively affected financially by your death like kids, spouse, a cousin, or a best friend. There are two types of beneficiaries, a Primary beneficiary, and a Secondary (Contingent) beneficiary. You can have more than one Primary beneficiary and more than one Secondary beneficiary as long as the percentage for each of them add up to 100%.

    Insured

    The insured is the person the policy is taken out on.

    Payor

    The payor is the person making the monthly premiums on the policy, and this can be the owner, the insured, the beneficiary or someone else. Now that we know the different roles of an insurance policy lets discuss how they work in a divorce. The first thing you must find out before you can change beneficiaries or remove your ex-spouse is who owns the policy. Whoever owns the policy makes the final decision. If you own the policy, you need to decide if you will remove your ex-spouse completely from the policy or if you make your kids the primary beneficiaries.

    Protecting Child Support and Alimony Income

    If you are the parent that gets primary custody of your children and are receiving alimony or child support, you want to make sure that you protect that income. If your ex-spouse passed away, you want to make sure they would have a life insurance policy with enough death benefit to cover the child support or alimony income for as long as the payments were required. Usually, since protecting the kids are generally the most important part for everyone in a divorce, a judge can or will issue a decree in the divorce requiring this coverage to help protect the children.

    Why Get No Exam Life Insurance For Your Divorce

    When it comes to a divorce decree, you are probably going to be required to obtain life insurance coverage within a certain amount of time for a specific amount of time. To make sure that you are able to get coverage before time is up, a no medical life insurance policy is going to be the best option for you.

    Taking Action

    Dealing with a divorce is never an easy task, and neither is dealing with life insurance. However, if you are going through a divorce and a judge has made it a requirement for you to purchase life insurance then you should get a no exam life insurance quote today and apply online for coverage.

  • Does Homeowners Insurance Cover Slab Leak Repair?

    A home is only as strong as its foundation—and slab leaks can drastically impact the structural integrity of your home’s foundation. Even worse, as they are incased in concrete, they can be expensive to repair and often go unnoticed.

    But here’s the thing:

    That leaves many homeowners asking one question when facing a slab leak repair bill—will my home insurance cover slab leaks?  Well; we put together everything you need to know about slab leak insurance coverage.

    What Is a Slab Leak?

    A slab is a singular concrete foundation that sits flush on the soil to serve as an alternative to a conventional basement or crawlspace. Slab foundations are generally only two to three feet thick and are most common in southern states where the warm weather reduces the chances of freezing or cracking damage.

    Slab leaks occur when groundwater or plumbing water permeates the concrete. Some potential causes include aging water lines, torrential rain, earthquakes, and pipe corrosion.

    How Common Are Slab Leaks?

    That depends on your home’s location and materials. Areas more prone to ground shifting tend to have a higher risk of slab leaks. That might include earthquakes, frequent freeze and thaw, or be the result of improper soil preparation before installation. Antiquated pipes, such as cast iron, galvanized steel, and rigid copper, also increase your risk of slab leaks because they are more vulnerable to wear.

    Does Homeowners Insurance Cover Slab Leak Repair?

    Homeowners insurance typically covers slab leak repair only if the leak is caused by a sudden and accidental event, like a burst pipe. To better understand the differences and coverage, see our guide on hazard insurance vs homeowners insurance. It usually does not cover damage from wear and tear or poor maintenance. Coverage may extend to the resulting water damage, but not always to the cost of accessing or repairing the pipe.

    How To Detect A Slab Leak In Your Home

    Detecting slab leaks requires vigilance. The most significant force working against your home is time, which wears away at pipes and concrete in imperceptible increments.

    Keep your eyes peeled for any of the following warning signs:

    • Damp spots on your carpet or floor
    • Mold on your carpet or floor
    • Higher than average water bills
    • Low water pressure
    • The sound of running water after you turn off the water
    • Soggy soil near your foundation

    You don’t need to be a professional plumber to detect a slab leak. All you need to know is where your meter box is and some of the warning signs.

    Is Slab Leak Detection Covered By Insurance?

    Some homeowners insurance policies cover inspections as a way to incentivize routine maintenance and repairs. Contact your insurance provider if you’re unsure about what your policy covers.

    What’s The Average Cost Of A Slab Leak?

    The cost of slab leak repair depends on multiple factors. How extensive is the damage? What is the cause? Is the leak in a contained area, or does it affect the entire slab?

    The average slab leak detection service costs $150 to $400. A professional plumber or concrete contractor can determine the leak origin and take steps to repair the damage.

    Experts estimate that the average slab repair costs about $2,000. For instance, crack repairs cost $250 to $800. Fix these fissures as quickly as possible because they can undercut your foundation’s integrity.

    If the cracks are expansive enough to warrant repair of the entire slab, expect to pay anywhere from $2,000 to $6,000 for new tiles, sealant, and concrete. Some contractors also may recommend leveling your foundation if setting or sinking caused the leak.

    Leveling restores your slab to an even consistency and negates underlying soil inconsistencies. The method, along with pier installation, costs $1,000 to $3,000.

    Is There a Way to Prevent a Slab Leak?

    If you find any of the warning signs mentioned above, that doesn’t guarantee you have a slab leak.

    Contact a professional plumber or concrete contractor to inspect your home. Many companies offer free consultations, so you can determine the root cause without paying out of pocket.

    They can also perform annual checkups and nip potential problems in the bud.

    Preventative maintenance goes a long way in mitigating potential leaks. Use a water softener if you notice scale on dishes or appliances or unusual tasting water.

    Avoid using harsh chemical drain cleaners that can corrode pipes, too.

    Maintaining proper water pressure reduces the burden and wear on your pipes. You may have excessive water pressure if you notice faucet leaks during laundry or a shower.

    Banging or clanking sounds when the water is running is another sign of high water pressure.

    Taking Action

    Most homeowners insurance policies include a provision covering slab leaks.

    Speak with your insurance company or read your policy to determine your coverage limits and whether leak detection is covered.

    Don’t forget to perform routine maintenance throughout the year to save yourself the time and effort of the claims process.

    Have more questions about slab leak insurance coverage?

    Leave us a comment below, and one of our insurance experts will get back to you shortly.

  • Best Long Term Care Insurance In Tennessee!

    Maintaining excellent health and aging gracefully is crucial for having a good standard of living as we get older.

    However, there’s a 70% chance that if you turn 65 today, you will require some long-term care service sooner or later.

    And with the three-year average cost of long-term care coverage in Tennessee being $246,375, it’s crucial to find the most cost-effective LTC insurance quote.

    This post will go through how much long-term care insurance costs in Tennessee, the many types of long-term care insurance coverage available in TN, and how to get fast ltc insurance quotes in Tennessee.

    How Much Does Long Term Care Insurance Cost In Tennessee?

    The average annual cost of long-term care insurance in Tennessee for a single 55 year old is $1,824 per year, which comes out to $152 per month. However, rates depend on many factors such as age, where you live, coverage options, and plan selected.

    How Can I Get A Long Term Care Insurance Quote?

    The fastest way to get long term care insurance quotes is to use our form below;  it only takes minutes to get a quote and apply for coverage.

    What Factors Influence the Cost of Tennessee Long Term Care Insurance?

    LTC costs will vary depending on several factors, and your particular health insurance provider will determine them. In general, you’ll likely be asked to provide personal information, lifestyle data, and whatever else your insurance company believes is necessary for determining your insurance benefits and premium.

    Below we take a quick look at a few of the most common factors:

    • Age
    • Race
    • Gender
    • Weight
    • Health history
    • Location of residence
    • Lifestyle habits (smoker vs. non-smoker, etc.)

    Premiums are typically more expensive for people generally regarded as less healthy and have a higher risk of dying. Although various criteria determine it, your premium will usually be lower if you are younger, in better shape, and cautious.

    What Factors Determine A Long Term Care Insurance Rate Increase In Tennessee?

    The complexity of private LTCI, as the name implies, is due to the policyholder’s obligation to pay for care that they may or may not require decades later. As a result, long-term disability insurance necessitates a lengthy prediction period and provides benefits beyond age 100for some clients.

    Premiums are also based on several assumptions regarding factors such as:

    • Voluntary lapses;
    • Service inflation costs of covered services relative to inflation protection assumptions
    • Mortality rates
    • Incidence of disabilities requiring LTC services
    • Interest rates
    • Morbidity
    • Recoveries and mortality while on a claim
    • Benefit expiry
    • The number of necessary services while disabled (for policies that reimburse actual expenses).

    Types of Long Term Health Care Insurance In Tennessee

    The three types of LTC policies offered in Tennessee are Home Care Only, Nursing & Residential Facility, and Comprehensive Long Term Care Insurance. However, keep in mind that there are also Hybrid LTC policies.

    Home Care Only (No Coverage For Assisted Living Facilities)

    Only housekeeping services and skilled home care are covered by In Home Care Only plans, which do not cover nursing homes or assisted living facilities. Benefits for home health care, adult day health care (ADHC), hospice, respite care, personal care, and homemaker services must all be included in these plans.

    Nursing Home & Residential Care Facility Only (Coverage For An Assisted Living Facility)

    Nursing home and residential care facility-only insurance policies cover care in nursing homes or Residential Care Facilities for the Elderly (RCFE) that provides assisted living services. These policies’ benefits must cover the cost of all LTC services you obtain in the facility, not just room, and board — up to the policy’s maximum daily benefit amount.

    Assisted living benefits under this sort of insurance is payable while you are staying in any RCFE-licensed setting, including small neighborhood homes (often known as board and care homes), retirement residences, and specialized community centers for Alzheimer’s patients. These policies also need to provide assisted living payments at least 70% of the nursing home care benefit.

    Comprehensive LTC Insurance Policy In Tennessee (Will Cover Both Types Of Policies)

    Comprehensive policies are insurance plans that cover nursing care, assisted living, home care, and community care (such as adult day care) under the same regulations as the other two types of plans.

    Hybrid LTCI Policies

    A hybrid LTCI policy is a form of long-term care insurance that uses assets as the basis for coverage. It incorporates either a life insurance policy or an annuity with a long-term care insurance rider. These plans haven’t been around for very long, yet they’re quickly gaining favor because they give you long term care with a death benefit.

    What Are Tax Qualified (TQ) & Non-Tax Qualified (NTQ) Policies In Tennessee?

    (TQ) Tax-Qualified policies enable you to deduct a portion or all of your premium from your federal and state income taxes as a medical expense. The amount you may deduct is determined by your age and medical expenses exceeding 7.5% of your adjusted gross income (AGI) if you are 65 or older and 10% if you are younger.

    Non-tax qualified (NTQ) coverage premiums cannot be subtracted from your taxable income, and the benefits are not meant to be tax-free. However, because of federal legislation, NTQ insurance may have more generous benefit triggers and pay reimbursements faster than TQ insurance.

    What Does Tennessee’s Long-Term Care Insurance Cover?

    LTCI in Tennessee is designed to help protect you and your family in the case that you need long-term care for an extended period or after receiving a particularly devastating health diagnosis. Long-term care insurance is intended to assist if you or a family member outlive your savings or discover that maintaining self-care becomes more expensive as you grow older. You may spend your long-term care insurance benefits on a wide range of medical expenses, and costs such as:

    • Nursing homes
    • Assisted living facilities
    • Extended hospital stays
    • Recurring doctors’ visits
    • Multiple surgeries
    • Testing and diagnosis processes
    • Prescription medications
    • Physical therapy or other rehabilitation following surgery
    • Chemotherapy and radiation treatments
    • Fees associated with treating and recovering from long-term illnesses like stroke, dementia, or Alzheimer’s disease

    If you need more detailed assistance with what can or should be covered in a policy, you can reach out to the Tennessee Department Of Insurance.

    How long do benefits last under a Tennessee Long Term Care Policy?

    Long-term care insurance (LTC) policies are usually intended to cover at least 12 months of care or more. However, you may get a policy that pays benefits for one, two, three, or five years, and it depends on your needs and the benefits offered in your policy.

    Does LTCI Have A Waiting Period?

    The same waiting periods apply to almost all participating insurance companies in the long-term health care industry. The duration may vary, but it is generally between 0 and 90 days. You will be responsible for any expenses during the waiting period, so pick a length that you believe you can afford to cover.

    Why Would I Need Long Term Care Insurance Tennessee?

    The reason you would need LTC insurance in Tennessee is to help pay for long-term medical expenses once you’ve retired since Medicare won’t reimburse everything. However, that isn’t the only reason you might want to get long-term care insurance; there are several others.

    Here’s a rundown of some of them:

    • You don’t want to have to hold a job to pay for rising medical expenses (even after retiring)
    • When you’re older, and in a position to help your children financially, you don’t want to put them through the stress of paying for your medical expenses.
    • You’ll be cash-strapped in retirement, but not so much that you’ll be eligible for Medicaid.
    • After you retire, you won’t have enough money set aside in savings to cover your living expenses and rising medical costs.

    Does Medicare Cover Long Term Health Care Services In Tennessee?

    Medicare may pay for skilled care in a nursing facility for no longer than 100 days and only when the patient fulfills all of Medicare’s criteria for daily skilled care.

    While individuals do get personal assistance simultaneously, Medicare will not pay unless there is also a requirement for daily skilled services that only a nurse or therapist can provide.

    Medicare will pay for specific personal care services at home, depending on whether you require skilled care daily, that only a qualified professional can provide.

    For additional information, visit your Social Security office or call the Social Security Administration toll-free at 800-772-1213 for the Medicare benefits book.

    How to Find the Best TN Long Term Care Insurance Quotes?

    There is no reason to go without long-term care insurance coverage in Tennessee, especially when it’s so easy to find a plan that suits your needs and budget!

    The best approach to finding low-cost long-term care insurance rates in Tennessee is to compare numerous quotes online.

    All you have to do is click here or on one of the above buttons to get free long-term care insurance quotes. Best of all, you can accomplish this in less than five minutes.

    Frequently Asked Questions About Tennessee Long Term Care Insurance

    What is the average cost of long term care insurance in Tennessee?

    In Tennessee, the average cost of long-term care insurance for a single 55 year old is $152 per month, which comes out to $1,824 per year. However, rates depend on many factors such as age, where you live, coverage options, and plan selected.

    What age should you buy long term care insurance?

    Before you are 65 years old, long-term care insurance is most effective. The expense of long-term care insurance will rise as you age, and the probability of needing it will go up. If you purchase sooner rather than later, the premiums are much lower.

    How long do you pay premiums for long term care insurance in TN?

    From the year your policy begins until you start drawing benefits, you will have to pay your long-term care insurance policy premiums, usually monthly or annual. You may be paying premiums for 20 or 30 years.

    What are the three types of policies that are permitted for sale in Tennessee as long term care insurance?

    The three types of LTC policies offered in Tennessee are Home Care Only, Nursing & Residential Facility, and Comprehensive Long Term Care Insurance.

  • HO8 vs HO3 Home Insurance Policy // What’s The Difference!

    Making sure you get the best home insurance policy can be a bit overwhelming. And figuring out the how the different types of home insurance work, like HO8 vs HO3, can get down right confusing.

    But, it doesn’t have to be because there are only a few types of policies that are actually for your home and learning how they work isn’t hard.

    In this post today, I will go over the differences between HO8 and HO3 homeowners insurance, how they work and how to choose between the two.

    What’s An HO8 & HO3 Insurance Policy

    Before we can talk about the differences between an HO8 and an HO3 policy, we first must understand how each plan works individually.

    What is An HO8 Homeowners Policy

    An HO-8 policy also goes by the name Older Form Home and was created to cover older homes on a named peril basis.

    The 10 perils the HO8 Home Insurance Policy will protect your home and belongings from are:

    • Fire Or Lightning
    • Windstorm Or Hail
    • Explosion
    • Riot Or Civil Commotion
    • Aircraft
    • Vehicles (Unless Caused By The Insured)
    • Smoke
    • Vandalism Or Malicious Mischief
    • Theft (Limit Of Liability On HO8 Is Usually $1,000)
    • Volcanic Eruption

    This type of coverage can usually be found on historic homes and registered landmarks or homes that are:

    • Over 40 Years Old
    • Don’t Meet All Of The Structural And Cosmetic Update Requirements

    HO8 Home Insurance Will Only Insure At Market Value

    Because this policy is normally used to insure homes that would be very difficult to replace if they were destroyed; these policies only cover homes at the market or actual cash value. An Actual cash value policy means that you won’t be covered for what it costs to replace the home; you will only be covered for what the current value of the home is.

    Certain Perils That Might Not Be Covered

    While the HO8 policy does cover you for a list of the most normal perils; there are some perils that you won’t be covered for in your policy and they are:

    Water Damage – no water damage of any kind is usually included in a basic HO8 home insurance policy. You might be able to add coverage to your policy for an additional premium.

    Falling Objects – There isn’t any coverage for falling objects unless you can prove the objects fell on your home as a due to one of the ten covered perils that are listed in the policy.

    Now: If you have an older home, but would prefer an HO3 Policy you’ll typically need to make updates to the:

    • HVAC
    • Electrical
    • Plumbing
    • And Roof

    What is An HO3 Homeowners Policy

    The most common type of homeowners insurance policy you can find will be the HO-3, also known as a Special Form policy. Since it has a broad range of coverage and some of the most affordable premiums, it has become the most offered type of home insurance policy. The HO-3 policy is actually a combination of an “open perils” policy and a “named perils” policy.

    What Is An Open Perils Policy

    An open peril policy is a complicated way of saying that you are covered for any peril as long as it is NOT listed as being excluded in your policy. For example: If your policy lists exclusions for ice, lightning, and floods, as long as the damage caused to your property wasn’t from ice, lighting, or floods, you would be covered.

    What’s A Named Peril Policy

    A Named Peril policy is only going to cover you for perils that are specifically named in your policy documents. This means, if your homeowner’s insurance policy lists “snow” as a type of covered peril, but not “hail,” then hail damage would not be covered in a named peril policy. Below is a list of named perils that limit your personal property coverage on an HO3 policy

    Remember, when it comes to your personal property if it is damaged by anything other than the below items; it won’t be covered by your home insurance policy:

    • Theft
    • Fire Or Lightning
    • Explosion
    • Smoke
    • Freezing
    • Vehicles
    • Falling Objects
    • Volcanic Eruption
    • Windstorm Or Hail
    • Riot Or Civil Commotion
    • Damaged Caused By Aircraft
    • Vandalism Or Malicious Mischief
    • Damage Due To Weight Of Ice, Snow, Or Sleet
    • Sudden & Accidental Tearing Apart, Cracking, Burning, Or Bulging
    • Accidental Discharge Or Overflow Of Water From Plumbing, Air Conditioning, Etc

    HO8 vs HO3 Homeowners Insurance Policy

    This older home form policy (HO8) is almost exactly the same as the HO-3 policy but with a few adaptations for older homes. And while the HO3 policy is a mixture of a named peril and open peril policy, HO8 policies tend to be fully named peril policies.  The HO3 policy also covers a few more perils than the HO8 policy and has the ability to cover you with replacement cost claims coverage at an additional cost.

    Here is what it looks like:

    Dwelling Coverage (coverage for your physical house, inside and out) 

    HO3 HO8

    Open Perils

    Named Perils

    Personal Property Coverage (coverage for your stuff)

    HO3 HO6

    Named Perils

    Named Perils

    Claims Reimbursement

    HO3 HO6

    Actual Cash Value

    Actual Cash Value

    Should I Get An HO-8 OR HO-3 Policy?

    Which option you pick will depend on the age of your home, it’s current condition, and the location of your home. If you don’t mind doing a few updates to your older home then an HO3 policy will be your pest option because it will cover more perils.

    If you have a much older home and want to keep your premiums reasonable then an HO8 policy would probably be best. So:My recommendation is that you should go with the policy that will give you the best price for Maximum coverage.

    In General, Who’s It For?

    HO3 policies are available to all home types (it’s at the insurance company’s discretion whether to accept your application for insurance).HO8 policies are going to be for a much older home.

    GET AN INSTANT LIFE INSURANCE QUOTE TODAY!

    Who Has The Best Home Insurance Policy?

    We have found the best home insurance to come from Hippo, you can check out or quick review below.

    About Hippo Home Insurance

    Hippo is the newest entrant into the home insurance world but is backed by TOPA Insurance company.

    As of today TOPA has an A- (Excellent) rating with A. M. Best.

    Hippo believes that great homeowners insurance should be affordable, smart, convenient, and fast.

    Hippo wants to make sure that you are able to get a homeowners insurance policy that covers you for the most relevant things today.

    Product Features

    • Coverage For Your Home Office
    • Available In: AL, AZ, CA, IL, IN, MD, MN, MO, MS, NM, NV, OH, PA, TN, TX, WI  
    • Free Water leak Sensor For Home
    • Condo Insurance Available
    • Quotes In 60 Seconds
    • Mortgage Payment Protection
    • A Simple, 100% Online Application & E Signature Process

    A Free (Roost Water Leak Sensor) With Every Policy

    With every policy Hippo offers a free Roost water leak sensor that has a value of $50.00. According to Roost, you can outsmart water with their smart water leak and freeze detector. The way it works is that you place it anywhere the potential for flooding or leaking exists and if it senses water it will send an alert to your smart phone.

    Simply Insurance Thinks

    Hippo has come out of the gates swinging at its competitors with on average 25% lower premiums.  They also have a much faster application and approval process which doesn’t require an agent to complete.  Hippo is the best answer if you need fast quotes and fast coverage.

    Take Action

    There is no reason to go without homeowners insurance, in fact, over 70% of people don’t even shop for their homeowners insurance. Now that you understand the differences between and HO8 and HO3 policy it’s time to take action. Click here to get some quick quotes and to get the approval process started immediately.

  • What Is The Incontestability Clause In Life Insurance?

    Getting a life insurance policy and dealing with claims can be stressful, especially if you don’t know about the incontestability clause. The best thing, however, is that once you understand how it works, it will make buying life insurance much easier. In this guide, we’ll break down the incontestability clause in insurance and discuss what it means for you. 

    What Is An Incontestability Clause In Insurance? 

    In “Plain English” – it’s a clause that stops the insurance company from denying your claim after you have had the policy for two years or more. Essentially the insurance company could contest your death and deny the payment of your claims to your beneficiary. However, they can’t do anything illegal and two years is not as long as it sounds. 

    How Does It Affect Life Insurance? 

    Although you may assume that your life insurance policy will always pay out the death claim in full, this is not the case.  Your insurer may try to find ways to deny you the full payment.

    One common way they may deny payment is to allege that the insured person misrepresented or failed to disclose relevant information upon purchasing the policy.However, in the U.S., the incontestability clause in life insurance may prevent your insurance company from contesting the claim after a set period following the policy approval. 

    How Long is an Incontestability Period?

    The period an insurance company has to contest your claim is usually two years, though this period in some states is only one year. The contestability period takes effect on the first day of your policy. If upon investigating, the insurance company finds any information that proves you lied on your application they can cancel the policy or refuse to pay out the death claim. After two years of having your policy it will enter the incontestability period.

    Does the Incontestability Period Protect Me?

    Unfortunately, no. If you die during the first one or two years the policy is in effect, the insurance company can still contest your death claim. This is especially true if they believe that the owner or insured of the policy does one of the following upon applying for insurance:

    • Provided a fraudulent statement when applying for insurance
    • Fails to disclose necessary information when applying for insurance

    What Can the Insurance Company Contest?

    Believe it or not, contestability issues actually became a concern in the mid-1800s. Insurers abused the law and refused to pay out claims due to simple errors that policyholders had made while filling out the application.

    Contestability is a common way in which insurance companies can game the legal system and prevent your or your loved ones from getting financial security while grieving. Some common areas that the company may claim you misrepresented are:

    • Your age
    • Medication use
    • Recreational use of illegal drugs
    • Pre-existing medical conditions

    But there also many legally gray areas that you must consider. For example, some legal scholars have discussed whether it constitutes fraud not to disclose the results of genetic testing before applying for life insurance.

    If you have any questions about potentially fraudulent activity while applying for insurance, contact a licensed insurance attorney.

    Finally, it’s important to reiterate:

    If you die after the incontestability clause period, the insurer cannot deny your beneficiaries claim because the policy would now be considered incontestable — hence the name of the clause.

    Are There Any Exceptions to the Clause? 

    There are some exceptions to the incontestability clause. The most common exception is quite tragic: the suicide exclusion. Many life insurance policies will stipulate that they will not provide coverage for suicide or attempted suicide during the contestability period.However, this suicide exclusion must be clearly stated in the policy for the insurer to exclude you; they cannot choose to enforce it without an explicit suicide exclusion in the policy.

    The burden is on the insurer to prove that the deceased intended to take their life, i.e., that the death was not accidental or due to their neglect. Another common exclusion occurs when someone accidentally dies while committing a felony or a criminal act, such as speeding.

    California set a precedent for this exclusion of accidental deaths during crimes in the 1970 court case Romero v. Volunteer State Life Ins. Co., concerning a felony drunk-driving incident. 

    How Incontestability Clauses Help You

    Although the contestability period helps protect the insurance company from monetary loss due to false claims, the incontestability clause works in favor of the insured. By limiting the contestability period to a certain amount of time, the likelihood that you will fall prey to an insurer trying to deny your claim is much lower. 

    If your death or the death of your loved ones occurs outside the contestability period, you will still be able to receive a death claim payout. The incontestability clause assures the financial stability of you and your family. That’s why it’s important to consider purchasing life insurance earlier when your risk of death due to ailments or aging is lower. 

    What to Do if Your Claim is Challenged

    Should an insurer deny your claim, you should contact a licensed insurance lawyer right away. This is because you will have a limited time to file a legal appeal following the rejection of a death claim.  The time in which you can file an appeal is often 30 days but may be up to 60 days depending on your state. The sooner you contact an attorney, the better your chances of receiving a successful appeal.

    Taking Action

    The best way to deal with contestability and incontestability clauses is to get the facts and I think this article should answer most of your questions. If you need life insurance, you can get immediate quotes and coverage by clicking on any of the above buttons. 

  • What Is A Home Warranty & How Do They Work In 2025?

    A home warranty is a service agreement that covers you in case major appliances or systems in your home breakdown. It has a pre-set contract length and is not the same as home insurance.

    Buying a new built or pre-owned home is super exciting.  

    However, figuring out what a home warranty is and how they work can be confusing.

    But what if I told you that: 

    Once you understand how they work, home warranties are very simple to understand and easy to purchase.

    In this post today I will go over how home warranties work, who should purchase them, and the different costs associated with purchasing one. 

    What Is A Home Warranty Plan?

    What is home warranty insurance? Is it insurance for your house? How is it the same as or different from a homeowner’s insurance policy?

    Maybe you first heard about home warranties when you were looking to buy a home. 

    But here’s the thing: 

    If you didn’t have a clear understanding of what a home warranty is, it probably wasn’t a compelling selling point at that time.

    Even if the home you purchased did not come with a home warranty, you should consider purchasing one.

    A home warranty is a service agreement that provides you with coverage for regular wear and tears on the systems and appliances in your home.

    You can also get specific appliance insurance to cover your more expensive appliances if they break down.

    When something breaks, the home warranty company will send out a contracted professional who can diagnose and repair the problem.

    How Does A Home Warranty Work?

    Most home warranties work in the same way.

    • After selecting the plan that is best for you, you will pay an annual or monthly premium.
    • When something breaks down, you file a claim with the home warranty insurance company. You will need your home warranty policy number to file a claim.
    • The home warranty company will call one of their contractors and assign them your claim. The service person will schedule a time to come to your home.
    • When the contractor arrives, you pay a service fee that ranges from $50 to $125, depending on the company and your plan. The contractor will fix the problem.
    • If your system or appliance needs to be replaced, that will go through the claims process, and the home warranty company will determine what to cover.

    What Does A Home Warranty Cover?

    You might be wondering what a home warranty will cover and if you need one. Home warranties range from very basic to comprehensive.

    The most straightforward home warranties cover a handful of main appliances, such as your washing machine, your dishwasher, and your garbage disposal.More comprehensive policies might include coverage for the systems in your house, such as components of your HVAC, your plumbing, and electrical systems.It is crucial to carefully read through the fine print in the plans you are considering.

    Knowing and understanding the fine print will ensure that you know what is covered and what is not.

    You might want to add additional coverage (if it is available) for some of the commonly excluded items, such as spas, pools, and ice-makers.

    Home Warranty vs. Home Insurance

    Now here’s the thing, both of these products have :

    • Deductibles
    • Premiums    
    • The Requirement To File A Claim
    • Important Fine Print  

    Outside of the above items, home warranty policies and home insurance have almost nothing in common and deal with two different situations.

    A home insurance policy offers coverage for catastrophes, such as fires or lightning. 

    If something happens to your home, your policy will cover the loss.

    If you need a mortgage, you will have to purchase home insurance because lenders require it to protect their interest in your home.

    When you buy a home, the cost of home insurance premiums for the first year may be part of your closing costs. After that, you may pay monthly or annually.

    Your home insurance costs can fluctuate based on property value, crime risk, and environmental risk, among other things.

    In contrast, a home warranty is not an insurance policy. It is a service contract that covers appliances, house systems, and sometimes the roof of your home.

    Home warranty policies have different options for coverage, so you can customize what you want to include in your plan.

    Like home insurance, you can pay monthly or annually and the coverage you want will determine the cost of the home warranty plan.

    When Should You Purchase A Home Warranty?

    Home warranties are often packaged with a home sale.

    Such a bundle offers reassurance in case something happens to the house after you have purchased it, especially if it is an older home.

    When a home warranty is for an older house, the contract is usually for one year. After a year, you can choose to renew the policy if you want.Consider a home warranty when buying a new house. New home-builders may offer a warranty that covers up to 10 years for structural components, such as Sheetrock, flooring, and roofs.

    How Much Does A Home Warranty Cost?

    The average cost for a home warranty plan ranges from $350 to $600. What you pay for your home warranty will vary based on several factors.

    What type of home warranty do you want?  

    Most home warranty companies offer several home warranty plans, and that means that your cost depends on the coverage you select.

    The most basic plan might only cover a handful of major appliances. A more comprehensive plan could include house systems.  

    What is the company’s service call fee?  

    Service call fees are similar to a deductible and can range from $50 to $125. Some companies only charge the fee once if you call with the same issue within a specific time frame.

    What type of home do you live in? 

    Do you live in a condo or a mobile home? Are you purchasing a townhouse or a duplex? The type of property that you own will impact the cost of your home warranty.

    Do you want coverage for add-ons?  

    Maybe you would like to have your roof or your garage door opener covered. That could cost you more. Including additional items in your plan will cost extra.

    Taking Action

    Home warranties can be helpful to your budget and peace of mind in the right situation. 

    A home warranty is good for taking care of your home, especially if you are not naturally handy or mechanical. Just make sure that you read the fine print, know what exclusions apply, and what your plan covers. 

    If you have any questions about home warranties and how they work, please leave a comment below or get the process started by clicking here or one of the above buttons. 

  • Select Home Warranty Review For 2025 (Plus Savings Tips)

    Select Home Warranty’s selection of plans and the straightforward claims process makes them highly appealing.

    If you are investigating whether a home warranty plan is a good idea.

    You need to learn what home warranties are and how to evaluate their pros and cons. 

    This Select Home Warranty review will guide you through the process of choosing a home warranty plan that is right for you.

    Our Select Home Warranty Reviews: 

    Select Home Warranty prices are very competitive, and their website is easy to navigate. They have many positive reviews and fewer BBB complaints than the industry average.

    Who Is Select Home Warranty?

    Select Home Warranty is a company based in Mahwah, New Jersey. It has operated since January 2012 and has 75 employees.

    The company’s average annual revenue is 2.3 million dollars.

    How many customers choose Select Home Warranty is not known. 

    However, the company is extensive and far-reaching—it works with 10,000 Select Home Warranty contractors in 46 states.

    Their BBB rating is B- and they are Consumer Affairs accredited.

    How Is Select Home Warranty Different?

    Select Home Warranty has several features that set them apart from other home warranty plans. 

    Some of their coverage limits are higher than other insurance companies.  For heating and cooling, the coverage limit is $2000. Electrical and appliance coverage is limited to $500. 

    If you need a repair and do not want to worry about small coverage limits, this is a great benefit for you. 

    Select Home Warranty’s 24/7 customer support allows you to file a claim immediately after the problem arises so that it can be resolved quickly.

    They offer roof coverage as an add-on, which is not available with all home warranty plans. If you do choose roof coverage, know that it covers leaks only. 

    Select Home Warranty Pros & Cons 

    Below is a list of some pros and cons of Select Home Warranty.

    SHW Review – The Pros

    • Variety of plans for different needs
    • Easy To File Claims Online 24/7
    • Has A Network Of Great Contractors
    • Offers Frequent Bonuses
    • Monthly And Yearly Payment Plans

    Select HW Review – The Cons

    • $75 Cancellation Fee
    • No Mobile App Available
    • Only Three Days To File Claims
    • Requires Maintenance Records

    As solid as Select Home Warranty is it still lags behind with dated fees, no mobile apps and honestly feels very out of touch with the younger generations.

    Select Home Warranty Plans & Features

    An important part of this Select Home Warranty review is an examination of coverage offered by the company. 

    Select Home Warranty’s plans cover most major home systems and major appliances.

    They have a variety of options, allowing you to pick the plan that best meets your needs.

    They also have customizable add-ons to cover items not included within the plans.

    Gold Care 

    The gold care plan combines the coverage from the platinum and bronze care packages. It also includes coverage for your ceiling fans and garage door openers. 

    The Gold Care plan may be a good option for the homeowner who likes to budget for home repairs.

    Platinum Care  

    The platinum care plan covers six major home systems: AC, cooling and heating, plumbing, electrical, water heater, ductwork. 

    Those are your home’s major systems, and this plan lets you rest assured, knowing you can have repairs to these vital systems done when a crisis presents.

    Bronze Care 

    The bronze care plan offers coverage for eight common household appliances. 

    The plan covers the clothes washer, clothes dryer, cooktop, garbage disposal, built-in microwave, dishwasher, refrigerator, and oven or stove. 

    We depend on appliances to make our daily life easier and more convenient. If functional appliances are a priority in your home, take a look at the Bronze Care plan.

    You can purchase additional coverage for the following items:   

    • Plumbing fixtures
    • Stand-alone freezers
    • Septic system
    • Pool and spa equipment
    • Well pump 
    • Sump pump 
    • Lighting fixtures

    What Does Select Home Warranty Not Cover?

    • Common Areas & Facilities – Common areas and facilities of mobile home parks and condominiums are not covered. Common systems and appliances not located within the confines of each individual unit are excluded. 
    • Issues Due To Missing Parts – Repairs or replacements required as a result of missing parts.
    • Things That Most Homeowners Insurance Will Cover – Repairs or replacements required as a result of fire, flood, smoke, lightning, freeze, theft, storms, accidents, mud, war, riots, vandalism, improper installation, acts of God, damage from pests.
    • Earthquakes – You should look into Earthquake insurance for this type of benefit.
    • Misuse – Lack of capacity or misuse are not covered by this Contract. 
    • Cosmetic Defects – This plan covers things due to normal wear and tear; however, it will not cover cosmetic defects. 
    • Personal Damages – This plan will not be responsible for consequential, incidental, emotional distress, pain or suffering, tort or exemplary damages, secondary damage, loss resulting from the malfunction of any Item.
    • Contractor’s Mistakes – This plan won’t cover a Contractor’s delay or neglect in providing or failing to provide, repair or replacement of an Item.  If you think about it this makes sense because they are paying for the job to get done, the contractor is still responsible for their own work. You will need to go after the contractor for any bad work done if that happens.
    • Solar – Solar systems and components including holding tanks are not covered.
    • Smart Home Systems – Electronic, computerized, pneumatic and manual system management and zone controllers are not covered. 
    • Federal, Local or State Compliance – First American will not be responsible for any corrections, repairs, replacements, upgrades, inspections or other additional costs to comply with federal, state or local laws, utility regulations, zoning or building codes. Paying any costs relating to permits, haul away fees, construction, carpentry or relocation of equipment; gaining or closing access to Items except where noted in this contract. Alterations or modifications made necessary by existing equipment or installing different equipment except where noted in the Central Air Conditioning section of this Contract. They will not alter structure to effect repair or replacement, nor refinish or replace cabinets, countertops, tile, paint, wall or floor coverings or the like.
    • Toxins & Pathogens – Company will not effect service involving hazardous or toxic materials, including asbestos or any other contaminants. Company is not responsible for any claim arising out of any pathogenic organisms regardless of any event of cause that contributed in any sequence to damage or injury. Pathogenic organisms mean any bacteria, yeasts, mildew, virus, fungi, mold or their spores, mycotoxins or other metabolic products.
    • Commercial Properties – This plan covers only single family residential-use property, residential-use resale property or residential-use new construction property. Residential property over 5,000 square feet, multiple units, guest houses and other structures are covered if the appropriate fee is paid. Contract is for owned or rented residential property, not for commercial property or premises converted into a business, including but not limited to, nursing/care homes, fraternity/sorority houses or day care centers.
    • Things Your Appliances Are Attached To – Company will determine, at its sole discretion, whether a covered system or appliance will be repaired or replaced. When replacing any appliance, Company will not pay for any failures that do not contribute to the appliance’s primary function including, without limitation, TVs or radios built into the kitchen refrigerator. 
    • Manufacturer’s Recall – They will not be responsible for repairs arising from manufacturer’s recall of covered Items, manufacturer’s defects or for Items covered under an existing manufacturer’s, distributor’s or in-home warranty. The covered Items must be domestic or commercial grade and specified by the manufacturer for residential use.
    • Defective Products – Plan is not responsible for repair or replacement of any system, appliance, component or part thereof that has previously, or is subsequently, determined to be defective by the Consumer Product Safety Commission or the manufacturer, and for which either entity has issued, or issues a warning or recall, or when a failure is caused by manufacturer’s improper design, use of improper materials, formula, manufacturing process or manufacturing defect. 
    • Routine Maintenance – The plan will not cover routine maintenance. 

    How Much Does A Select Home Warranty Cost?

    The average cost of a home warranty plan is between $25–$50 a month, or $300–$600 annually. However, with some companies will have additional fees associated with them.

    How Do I File A Claim With Select Home Warranty?

    If a covered appliance, system, or item needs repair, it is easy to file a claim with Select Home Warranty’s 24/7 customer service team.

    You have two options:

    File Online – You can file a claim online by entering your policy number and personal information, and describing what is wrong.

    Call Select Home Warranty – You can also call the Select Home Warranty claim phone number and speak with a representative.

    Once you file your claim, Select Home Warranty will arrange for an independent contractor to come to your home.

    Select Home Warranty Money Back Guarantee

    If you decide—for any reason— that you do not want to keep your Select Home Warranty coverage, you have 30 days from the date of purchase to cancel your plan with no penalties. 

    To make sure you don’t just purchase the policy, use it, and then cancel it, the policy has a 30 day waiting period before you can use the policy.

    At the end of the day, if you decide you don’t want the policy, no one loses out on anything.

    Select Home Warranty’s Availability

    Select Home Warranty offers plans in 46 states.At this time, you cannot purchase coverage if you live in Nevada, New York, Washington, or Wisconsin.

    How To Get A Select Home Warranty Plan?

    No other Select Home Warranty Reviews are as long as mine; however, I wanted to make sure that I gave you as much detail as possible.

    If something happens to your home appliances or your critical systems, Select Home Warranty’s coverage could get you out of the crisis quickly and affordably. 

    Check out Select Home Warranty and get a free quote today by clicking here or any of the above buttons.  

  • Home Warranty Rates By State In America

    Homeowners across the U.S. are starting to realize how expensive it can be to go without some form of warranty for your home. 

    And with the national average premium being around $25 to $50 per month, it’s an easy to afford coverage with a ton of upside if you ever need it. The good news is that we will included links to all 50 state-specific reviews for home warranties in this blog post. We will also take you through some helpful tips on getting a home warranty plan.

    Average Home Warranty Rates By State In America

    STATE

    AVERAGE ANNUAL PREMIUM

    STATE

    AVERAGE ANNUAL PREMIUM

    Alabama

    $59

    Montana

    $59

    Alaska

    $57

    Nebraska

    $45

    Arizona

    $49

    Nevada

    $57

    Arkansas

    $56

    New Hampshire

    $59

    California

    $53

    New Jersey

    $56

    Colorado

    $56

    New Mexico

    $60

    Connecticut

    $59

    New York

    $59

    Delaware

    $59

    North Carolina

    $56

    District Of Columbia

    $60

    North Dakota

    $59

    Florida

    $49

    Ohio

    $59

    Georgia

    $56

    Oklahoma

    $59

    Hawaii

    $59

    Oregon

    $59

    Idaho

    $47

    Pennsylvania

    $56

    Illinois

    $57

    Rhode Island

    $59

    Indiana

    $59

    South Carolina

    $59

    Iowa

    $41

    South Dakota

    $59

    Kansas

    $59

    Tennessee

    $59

    Kentucky

    $56

    Texas

    $49

    Louisiana

    $62

    Utah

    $59

    Maine

    $44

    Vermont

    $59

    Maryland

    $56

    Virginia

    $61

    Massachusetts

    $59

    Washington

    $52

    Michigan

    $56

    West Virginia

    $59

    Minnesota

    $59

    Wisconsin

    $56

    Mississippi

    $59

    Wyoming

    $51

    Missouri

    $59

     

     

  • Best Home Warranty Companies In Wyoming For Your Home Appliances!

    You know how important it is to safeguard your most significant investment, especially if you’re one of the 72% of Wyoming residents who own their homes. And there’s no better way to do so than with a Wyoming home warranty.

    This blog post will discuss the best home warranty companies in Wyoming, the average cost of home warranties in Wyoming, how a warranty for your home can benefit you and your family, and if you should look into an extended warranty.

    So, keep reading if you want to learn how to get home appliance insurance reviews and apply online for coverage fast!

    How Much Does A Home Warranty Cost In Wyoming Per Month?

    The average monthly cost of a home warranty in Wyoming is $51.00 per month or $612 per year. This covers the most common appliances in your home, such as your refrigerator, oven, dishwasher, washer, and dryer. However, keep in mind that this is just an average. Your final cost will be influenced by several factors that I line out below.

    What Factors Influence The Cost Of A Home Warranty In Wyoming?

    Many variables will affect the cost of your home warranty in Wyoming, such as the size and age of your home, the number of appliances you have, and the type of coverage you choose will play a role in determining your monthly fees and premium.

    However, a few general guiding principles can help you estimate how much a home warranty will cost in Wyoming.

    The Age Of Your Home – First, the older your home is, the more expensive your coverage will be. This is because older homes are more likely to have systems and appliances that need repairs or replacement.

    The Size Of Your Home – Second, the larger your home is, the higher your monthly premium will be. This is because larger homes generally have more systems and appliances that need to be covered.

    The Type Of Coverage You Choose – Finally, the type of coverage you pick will also affect your monthly cost. For example, suppose you choose a plan that covers more systems and appliances or provides additional coverage like pool and Spa protection. In that case, you can expect to pay a higher monthly premium.

    Keep these factors in mind when shopping for home warranty coverage in Wyoming. To get the most accurate estimate of how much your coverage will cost is to get quotes from multiple companies and compare their rates and service fees.

    Types Of Home Warranty Plans In Wyoming?

    Systems coverage, appliance coverage, and combination coverage are the three most common varieties of home warranty coverage In Wyoming.

    System plans – Whole-home systems like your air conditioning, your heating system, ductwork, electrical, plumbing, water heater, garbage disposal, smoke detectors, ceiling fans, and doorbells are all covered by system plans.

    Appliance plans – Will cover your refrigerator, refrigerator ice maker, dishwasher, range, oven, stove, built-in microwave, clothes washer and dryer, garage door opener, and freestanding ice makers. These major appliances may be covered under this type of plan.

    Combination plans – Covers both systems and appliances. Some of the best home warranty providers will allow you to customize your basic plan and choose the items you want to be covered under your home warranty contract.

    What Does A Home Warranty Company Cover In WY?

    In Wyoming, home warranties usually cover the following major systems: air conditioners, heating systems, plumbing, electrical systems, water heaters, refrigerators, dishwashers, and most home appliances. Your washer and clothes dryer are among the items that may be covered by some plans. However, if you’re thinking about purchasing a home warranty plan to help take the sting out of these scenarios, be sure to actually read your policy so that you understand what is covered.

    Below we review a more detailed list of things a home warranty in Wyoming can cover:

    Do Wyoming Home Warranty Companies Offer Extended Warranties?

    Yes, many people are unaware that home warranty companies offer extended warranties for your home. Extended warranties are often valid for five years or more. They can be purchased for either a one-time fee or an annual premium. Additionally, it is essential to read the fine print carefully to fully know what is covered under the warranty’s extensive coverage.

    Can You Get Roof Leak Coverage In Wyoming On A Home Warranty?

    Yes, you can get roof coverage on your home warranty; however, it’s usually at an extra cost and can include exclusions. For example, you’ll likely be covered if the roof leaks are caused by a structural issue. However, if the leak is caused by a problem with your gutters or flashing, you may not be covered.

    Do Wyoming Home Warranties Come With Free Roof Leak Coverage?

    It depends on the company; some companies offer free roof coverage that covers roof leaks, which are not typically covered by homeowners insurance. Roof leaks in single-family homes caused by normal wear and tear, lack of maintenance, or improper installation, can be covered, though there are some exclusions. However, most home warranty companies will not cover pre-existing conditions, so if your roof was already leaking when you purchased your policy, it’s unlikely that you’ll be covered.

    What Do Wyoming Home Warranty Providers Not Cover?

    Most people know that a home warranty provider covers the repair or replacement of major home systems and appliances. However, a home warranty does NOT cover everything, and we list some of them below:

    Improperly Installed Items Or Improper Maintenance Repairs

    Wyoming home warranties do not cover repairs needed due to improper installation or maintenance. Furthermore, most home warranties have a list of “exclusions,” including faucets, light bulbs, filters, and batteries. So before you purchase a home warranty, be sure to ask about what is and isn’t covered. That way, you can be prepared for any unexpected repair bills.

    Normal Wear & Tear

    A home warranty does not cover damage caused by normal wear and tear, negligence, or abuse. For example, if your child throws a baseball through the window, that would not be covered by a home warranty.

    Damage Caused By Animals Or Pests

    If you have animals or pests that damage your home, a home warranty will not cover the repairs. For example, if you have termites that eat through your wood floors, you would need to pay for the repairs yourself or see if the loss is covered under your home insurance policy.

    Known Pre-Existing Conditions & Code Violations

    A home warranty will not cover known pre-existing conditions or code violations. So if you have an electrical system that is not up to code and it needs to be repaired or replaced, you would need to pay for those repairs yourself.

    Will A Home Warranty Cover Unknown Pre Existing Conditions?

    Yes. Suppose a house inspector couldn’t discover an issue, and there was no way to detect if there was something malfunctioning with the system or appliance 60 days before the home warranty began. In that case, the home warranty will cover the pre-existing condition.

    Home Warranty Regulations In Wyoming

    Are Home Warranties Required By Law In Wyoming?

    No, home warranties are not required by law in Wyoming, and they aren’t even necessary when you acquire a new home in the state. However, having a home warranty is a wise method to safeguard one of your most significant assets. Because it typically covers items that won’t be covered by your homeowner’s insurance policy, such as “normal wear and tear.” While a home warranty is not required by law in Wyoming, it is definitely worth considering.

    Wyoming Home Warranties Vs. Wyoming Home Insurance Vs. Wyoming Home Appliance Insurance

    When it comes to safeguarding your home, you have a few different options. The most popular are home warranties, home insurance, and home appliance insurance. But what’s the difference between them? And do you need more than one type of coverage? While each product was made to protect your home, they work in completely different ways, as we’ll see below:

    Wyoming Home Warranty

    A home warranty plan is what you’ll need if something goes wrong in your house and needs to be fixed. These plans will cover a wide range of situations similar to those listed above.

    However, a home warranty will not cover your appliances if they are deliberately or inadvertently harmed on purpose or through error. Contact your home warranty company if your dishwasher stops operating or begins behaving strangely.

    Call your homeowner’s insurance provider if your dishwasher is stolen during a felony or destroyed due to a house fire.

    Wyoming Homeowners Insurance Policy

    Homeowners insurance is the best defense you can give your family from a disaster destroying your home. Unlike a home warranty plan, your homeowner’s policy will only cover your property if it is devastated by a covered loss and usually covers:

    • Personal Property
    • Personal Liability
    • Medical Coverage
    • Loss Of Use Coverage
    • Other Structures Coverage (like a swimming pool)
    • Structure Coverage

    If you’re wondering if you should get a home warranty or homeowners insurance, my personal and professional opinion is that you need both. A home warranty will help when things go wrong with your appliances and systems. In contrast, homeowners insurance will help if your home is destroyed by a covered event.

    Wyoming Home Appliance Insurance

    Think of home appliance insurance as just another name for a home warranty. Certain home warranty companies may even brand their products as a home appliance warranty plan or even home repair insurance. Still, these offerings are all functionally the same thing.

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    How To File A Home Warranty Claim In Wyoming?

    Filing a Wyoming home warranty claim can seem daunting, but it doesn’t have to be. The first step is to review your warranty and understand the coverage limits. You can initiate your claim once you’ve done that by requesting a service visit. In either case, following the below steps will help you get the issue resolved as quickly and smoothly as possible:

    Review Your Warranty & Understand Your Coverage Limits

    The details of your home warranty plan are specified in the contract. The coverage overview section of your agreement, for example, will explain the problems covered by the warranty, how the warranty company will handle repairs or replacements, and any exclusions to coverage. You’ll also see payment policies and procedures. The coverage overview also explains what the warranty company will and won’t do regarding things such as replacement costs.

    Initiate Your Home Warranty Claim By Requesting A Service Visit

    As soon as covered equipment or a system goes down, make a service call to your home warranty service provider immediately. The phone number is generally included in your contract and may be found online. Customer websites will frequently offer client portals where you can submit a service request using a form.

    When you call for service technicians, the warranty claims procedure is started. While on the phone, the warranty firm may do a preliminary evaluation to see if resolving the problem might suffice instead of a service visit. When describing the issue, be as detailed as possible and be ready to answer questions about the faulty appliance or system, including its age, status, and

    Pay The Service Fee And Any Repair Expenses That Aren’t Covered

    The technician will charge you a service fee when they come to repair your item. That fee is usually between $30 and $125, depending on your service. In addition, if some part of the repair is not included in the service contract, you’ll need to pay for that part of the service as well.

    For example, some home warranty companies cover refrigerators but not water dispensers, ice makers, or electronic controls. Or they’ll protect your stove, but not the clock or the glass door.

    Before you call, a careful review of your contract can prepare you for any additional out-of-pocket expenditures you’ll have to pay, such as a service call fee. When submitting your claim, the representative from the business should also go through any costs that may not be covered.

    When Should I File A Home Warranty Claim?

    When a covered appliance or system breaks down or needs repair, you should file a home warranty claim. Although home warranty firms generally provide 24/7 claims assistance, it might take up to 48 hours for the company to contact a service professional. Then you’ll have to wait for the contractor to get you and set up a convenient day and time for the repair. This could mean your refrigerator, oven, or heating/air conditioning system has been out of commission for days. The warranty company may try to speed up your claim, but there’s no assurance.

    Mistakes To Avoid In Filing A Home Warranty Claim

    When utilizing a home warranty, consumers’ most common blunder is not knowing what is covered and what isn’t. You may save a lot of time and aggravation by reading the conditions carefully before purchasing the insurance to ensure that it covers everything you need.

    How Long Does It Take To File A Home Warranty Claim !?

    Filling out a claim should only take a few minutes. Wait times will differ if you call the customer service line. On their websites, most home warranty companies provide an online claims form. Furthermore, they all have a customer support number that you may use to request service, ask questions, and submit claims.

    How Long Does It Take To Pay Out A Home Warranty Claim?

    On Average, it takes about 10 days; however, depending on your policy, you will be responsible for paying the service charge when the contractor finishes the repair. If you don’t, your payment may be delayed. Any future warranty claims will be denied until your account is in good standing. Read the conditions and limitations of your contract to discover how long it takes to receive a claim payment.

    How To Buy The Best Home Warranty In Wyoming?

    There’s a lot to consider when buying a home warranty in Wyoming. But if you know what to look for, you can find a great home warranty that fits your needs and budget. Here are a few things to keep in mind when you’re shopping for a home warranty:

    Taking Action

    There you have it! The definitive guide to finding the best home warranty in Wyoming. No matter what your needs are, there’s a home warranty that’s perfect for you.

    You can click here or on any of the above buttons to compare Wyoming home warranties and get covered.

    Methodology

    There are a lot of companies in the home warranty industry out there, which can make it hard to determine which one is the best for you and your home. As a licensed insurance agent with over 14 years of experience, I’ve researched and selected the best home warranty companies that offer excellent customer service, competitive pricing, and coverage options. To arrive at this conclusion, I looked at dozens of customer reviews, compared pricing structures, and compared the comprehensive coverage amounts offered by each company. In the end, I was able to narrow it down to the top-rated home warranty companies that I believe offer the best value for your money.

    Frequently Asked Questions About Cheap Wyoming Home Warranties

    How much does a Wyoming home warranty cost per year?

    In Wyoming, a typical home warranty costs $612 each year. This covers the major appliances in your house, such as your refrigerator, oven, dishwasher, washer, and dryer. Keep in mind that this is only an average; your ultimate cost will be determined by various other factors.

    What are the best home warranty companies in Wyoming?

    Wyoming’s best home warranty companies are Liberty Home Shield, American Home Shield, First American Home Warranty, Select Home Warranty, America’s First Choice Home Club, and Choice Home Warranty. We also would like to give an honorable mention to the team at 2-10 Home Warranty.

    Is a home warranty worth it in Wyoming?

    In Wyoming, a home warranty is worth it because so many things can go wrong with your home and its appliances. For example, your air conditioner could break down in the middle of summer, and you would have to pay for the repairs yourself if you didn’t have a home warranty. A home warranty gives you peace of mind knowing that if something breaks, you’re covered.

    Will a home warranty replace an old HVAC?

    It depends on the warranty itself. Some home warranties will replace your old HVAC unit with a new one, while others will only cover the cost of repairs or help with discounts to purchase a new one. So it really just depends on what kind of home warranty you have.