Posted by at 12:00 pm 20 Comments Print

I have a basic problem with home warranties on used homes. It’s quite simple:  They don’t cover anything!

I’ll explain …

Let’s say you pay $900 premium for the warranty. They base the premium on the fact that the home has 10 appliances plus a furnace and central AC.  Now let’s fast forward a few months.

Your dishwasher breaks down! You call the warranty company.  They send a repairman who determines the problem was caused by a “preexisting condition” (in other words, the problem began before you owned the home). The result? The CLAIM IS DENIED!

Now … fast forward another 6-months … another appliance breaks down.

Same story:  “preexisting condition”!


When you buy one of these warranties you never really know what will be covered until it breaks down.  That’s because the only damage covered is sudden new damage that occurs after your closing date! Let me put that another way … any previous wear, any previous owner abuse … any previous damage that may have contributed to a breakdown is NOT covered! So even though you think you are covered for 10 appliances (and pay a premium accordingly) … YOU MAY ONLY BE COVERED ON ONE OR NONE!

In essence, the warranty company is saying:  “Pay us now and we’ll let you know what is covered later.”


A better way to buy a home warranty is to demand that the warranty company inspect all of the appliances at the time you buy the warranty.  Then, based on condition, either cover it or exclude it. That way, you’re paying for exact coverage instead of “pay-now find-out-later“.


FRONT PAGE NEWS , , , , , , ,

Related Posts


  1. Vince, 2 months ago

    What about warranties on new homes?

  2. Denverdiablo, 2 months ago

    I bought a CHOICE Warranty that coveres most items in my old home and actually had to use it for a leaking garbage disposal. My plan had me do a claim on their website and I got a call right away spelling out that I have a $45 deductable for them to plan a plumber to come out and look it over. On 08/14/2018 the plumber arrived and looked at the unit and said that I needed a replacement Garbage Disposal and that he would call CHOICE and make a claim and that I needed to pay him the $45. He went to his truck and made the call and came back moments later saying it was covered and then repaced the unit with a new one. This was very effortless and a great program since the unit was also hard wired in and Lowes would not even touch it when we did some home improvements in the past. I will recommend CHOICE Warranty to others and we are happy with it so far.

  3. Anonymous, 2 weeks ago

    I need help. Choice Home Warranty is notnot covering basic items. Necessary parts to make a furnace run. Except the valve for gas with out it there is no running furnce?? Help

  4. minecraft, 1 week ago

    An impressive share! I have just forwarded this onto
    a friend who has been doing a little homework on this. And he actually
    ordered me lunch due to the fact that I found it for him…
    lol. So allow me to reword this…. Thank YOU for the meal!!
    But yeah, thanks for spending some time to talk about this issue here on your web

  5. minecraft, 1 week ago

    you’re actually a just right webmaster. The website loading velocity is incredible.
    It sort of feels that you’re doing any distinctive trick.
    In addition, The contents are masterwork. you’ve performed a great task in this topic!

  6. minecraft, 1 week ago

    I’m extremely impressed with your writing skills and also
    with the layout on your blog. Is this a paid theme or did you modify it yourself?

    Either way keep up the nice quality writing, it is rare to see a nice blog like this one

  7. minecraft, 1 week ago

    Thank you a bunch for sharing this with all people you actually
    recognise what you are speaking approximately!
    Bookmarked. Please also discuss with my site =).

    We will have a link change contract among us

  8. minecraft, 1 week ago

    Hello i am kavin, its my first occasion to
    commenting anyplace, when i read this article i thought i could also make comment due to
    this good paragraph.

  9. minecraft, 1 week ago

    We stumbled over here from a different web address and thought I
    might as well check things out. I like what I see so now i’m following you.
    Look forward to checking out your web page for a second time.

  10. minecraft, 1 week ago

    hi!,I like your writing very much! percentage
    we be in contact extra about your article on AOL? I need a specialist in this house
    to solve my problem. May be that’s you! Looking forward to
    see you.

  11. minecraft, 1 week ago

    It is really a great and helpful piece of information.
    I am happy that you shared this helpful information with us.
    Please stay us up to date like this. Thank you for

  12. minecraft free download 2018, 1 week ago

    Very nice article, just what I wanted to find.

  13. minecraft free download 2018, 1 week ago

    Hi, Neat post. There’s an issue together with your web site in internet explorer, could check this?

    IE nonetheless is the marketplace chief and a big
    portion of other people will pass over your great
    writing because of this problem.

  14. minecraft free download 2018, 1 week ago

    Magnificent beat ! I wish to apprentice whilst you amend your web site, how can i subscribe
    for a blog web site? The account aided me a appropriate deal.

    I have been a little bit acquainted of this your broadcast provided bright clear idea

  15. minecraft free download 2018, 1 week ago

    Hi there friends, how is the whole thing, and what you wish for
    to say on the topic of this post, in my view its truly awesome in support of

  16. minecraft free download 2018, 1 week ago

    Hey terrific website! Does running a blog such as this require a
    large amount of work? I’ve absolutely no knowledge of computer programming but I had been hoping to start
    my own blog in the near future. Anyways, should you have any suggestions or techniques for new blog
    owners please share. I understand this is off topic however I simply needed to ask.
    Thanks a lot!

  17. minecraft free download 2018, 1 week ago

    This post will help the internet users for setting up new webpage or even a blog
    from start to end.

  18. minecraft free download 2018, 5 days ago

    Heya just wanted to give you a brief heads up and let
    you know a few of the pictures aren’t loading properly.
    I’m not sure why but I think its a linking issue. I’ve tried it in two
    different browsers and both show the same results.

  19. tinder dating site, 17 hours ago

    That is very attention-grabbing, You’re an overly professional blogger.
    I have joined your feed and sit up for in search of
    extra of your magnificent post. Additionally, I’ve shared your web
    site in my social networks

  20. tinder dating site, 17 hours ago

    Hi! I realize this is somewhat off-topic however I needed to ask.
    Does operating a well-established website like yours require a massive amount
    work? I’m brand new to operating a blog however I
    do write in my journal everyday. I’d like to start a blog so I
    will be able to share my personal experience and
    feelings online. Please let me know if you have any kind of ideas or
    tips for brand new aspiring blog owners. Thankyou!

Post Your Comments


3 0 3 . M A R T I N O




4695 S Monaco St, Denver, CO 80237