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Is a Home Warranty Worth the Money?

4/25/2019

2 Comments

 
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As you may know, normal wear and tear to your appliances is not covered by your homeowners policy (and that includes hot water heaters). So how do you protect yourself from costly repairs? 
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Well, one way is to purchase a home warranty. The monthly cost can vary anywhere from $25 to $100 depending on the plan you build.

A Home Warranty is a service contract that covers the repair or replacement of important home system components and appliances that break down due to normal wear and tear over time. 

If you have a Home Warranty, you do not pay for the actual repair or replacement cost for items covered by the Home Warranty. The contract will cover repair or replacements of covered items, regardless of age, make or model.

You can cover a variety of appliances and systems in your home like your refrigerator, air conditioner, clothes washer and dryer, water heater and many more. 

But is it worth it?

In our previous home we had a home warranty and there were times that it came in handy and times when it wasn't so handy. For instance, our garbage disposal wasn't working properly so we put in a service call with our warranty company, and a technician came out the next day and found that all of the eggshells I had been putting down the disposal caused a clog about 30 feet deep.
That day I learned NOT to put eggshells down the disposal and that I was so grateful that I only had to pay $100 to correct this otherwise, costly mistake. 

On the other hand, we starting having issues with our 8 year old garage door. We opened a service call with our home warranty and a technician came out to advise us that the issue was with a particular motor that was excluded by our home warranty. In that situation we paid $100 for the service call and then on top of it $400+ to replace the motor. Originally we grumbled that it wasn't covered and still had to pay for the service call but it's in the contract details so we didn't have much room for complaining.

But that's a question you want to ask when purchasing a home warranty - what's excluded? Here are a few other helpful questions to ask:

- Are there limits for each coverage? Are there certain parts of covered appliances that are excluded? 
- What are the deductibles?
​- What kind of service calls are covered? Is there a limit on how many service calls? 
- Do you have to use their network of contractors and service people, or can you choose your own? 

Some homeowner policies offer equipment breakdown coverage. It's typically very inexpensive and covers mechanical breakdown  (not normal wear and tear) to your appliances. So if your service contact has ended on your one year old GE stove, it may not be a bad idea to add the endorsement.

​That sounds like a whole other blog post... til then... have a great Monday and let us know if you'd like to learn more about protecting your appliances.


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YOUR WINDSHIELD CAN SAVE YOUR LIFE.  TAKE CARE OF IT PROPERLY.

4/15/2019

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It happens frequently. You're driving behind a large truck and it spits out a stone right at your windshield. Ding. That little ding turns into a chip in your windshield. You think, "it's tiny, not worth fixing." A week goes by and now that tiny chip is a spider web that looks like it was created by Charlotte herself. Now what? 
I
f a chip or crack in your windshield is smaller than a dollar bill, your insurance company will typically send out a repair company to your home or office to fix the  damage if you open a claim. 
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​If the chip or crack is larger than a dollar bill, the windshield will need to be replaced as it is important to maintain the integrity of the windshield to keep you and your passengers safe. Your windshield is the single most important safety feature of your vehicle, keeping objects out and you in.  


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My Generation Senior-Focus Clinics

4/2/2019

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It's no secret that Las Vegas is suffering from a doctor shortage. Nevada's physician workforce has remained relatively flat compared to our growing population. Even if Nevada's population didn't grow, it would take over 2,500 physicians to bring us up to the national average of doctors to residents ratio. 
One of the reasons for our shortage is the lack of residency programs here in the valley.  Another reason is that the compensation rates aren't competitive with other states.  
You may be among those that find it takes weeks, sometimes months to see your primary care doctor. It's unfortunate but one doctor network is trying to be a part of the solution. 
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Healthcare Partners has spent the last year opening over 20 myGeneration clinics across Las Vegas, Pahrump and Mesquite. MyGeneration clinics are primary care clinics that provide care focused on seniors and their unique health needs. Physicians and care teams within the clinics have been specifically trained to understand and care for people 65 and older on Medicare. 
By removing the senior population from the general Healthcare Partner offices and caring for them at offices specifically designed to provide seniors the care they deserve, they are able to provide a higher level of care to ALL patients. 
Check out the impressive features of these new offices! 
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If you're turning 65 this year, or know someone who is, we'd be honored to help  explore your options. We offer the Medicare Advantage plans needed to see these providers and would be happy to make a recommendation based on your specific needs. 
If you have a United Healthcare Advantage Plan TODAY, you may be able to change your doctor selection if you're not happy with your current provider. Give our office a call today to find out. For a list of myGeneration offices and locations, please see the file below. 

Blue Sky Insurance has partnered with United Healthcare, Humana and Aetna to provide Medicare recipients options when it comes to your healthcare. 
mygeneration.pdf
File Size: 1680 kb
File Type: pdf
Download File

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Blue Sky Insurance Group​
7485 West Azure Drive
Suite 122
Las Vegas, NV 89130
(702) 410-8020​
Click Here to Email Us

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  • Home
  • Products
    • Personal Lines >
      • Home & Auto Insurance
      • Umbrella Insurance
      • RV Insurance
      • Motorcycle/ATV Insurance
      • Life Insurance
      • Final Expense Insurance
      • Mortgage Protection
    • Medicare >
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Prescription Drug Plans
    • Commercial Insurance >
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