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Old 03-18-2013, 05:10 PM
 
162 posts, read 249,478 times
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Which home warranty and which home insurance you use and how much do you pay?
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Old 03-18-2013, 05:17 PM
 
Location: DFW - Coppell / Las Colinas
31,745 posts, read 36,423,371 times
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Why pay for a Home Warranty ? Put the money in your pocket, maintain your property and appliances then buy new ones when they wear out.
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Old 03-18-2013, 05:32 PM
 
Location: Mostly in my head
19,813 posts, read 55,771,747 times
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I use State Farm b/c they are the only company to cover my very friendly pitbull. Comparing costs is not reliable as size and amount of appliances, not to mention replacement cost, very widely.
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Old 03-18-2013, 05:55 PM
 
Location: Grapevine, Texas
9,806 posts, read 20,430,066 times
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Quote:
Originally Posted by Rakin View Post
Why pay for a Home Warranty ? Put the money in your pocket, maintain your property and appliances then buy new ones when they wear out.
Completely agree!!!

Homeowners insurance has so many variables that its impossible to give a "ballpark" without knowing the size, value, age, etc of the home being insured.
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Old 03-18-2013, 08:16 PM
 
Location: Plano
179 posts, read 499,869 times
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For some reason the seller will buy us a home warranty. We don't want one, but is it worth it if we won't be out any money? I almost wish we could just ask for the money instead.
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Old 03-18-2013, 09:29 PM
 
172 posts, read 297,703 times
Reputation: 67
I think its customary for seller to pay first year's home warranty but you can always ask for a discount instead or cash. It's all the same to them.

To OP, We used American Home Shield but not any more. Farmers for insurance.
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Old 03-18-2013, 09:57 PM
 
Location: Mostly in my head
19,813 posts, read 55,771,747 times
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I have used the home warranty my sellers bought about 4 times in 7 months. Minor things like a stuck garbage disposal, leaking toilets, another leak in a different place in a toilet, and a/c that went out 3 days after closing. And my house is only 7 yrs old. I've gotten their money's worth out of it.
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Old 04-01-2013, 03:42 PM
 
Location: Dallas, TX
1,171 posts, read 794,209 times
Reputation: 253
Any common insurers people use for this kind of insurance? Seller is going to pay for it.

Last edited by ritholtz; 04-01-2013 at 04:00 PM..
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Old 04-01-2013, 09:01 PM
 
287 posts, read 400,909 times
Reputation: 189
We used American Home Shield in NJ when we bought our house here and nothing we needed fixed was covered. Now we are going under contract for a house in Plano and we are being offered the same American Home Shield and our broker and people we know on Dallas are telling us to go with it...maybe the a/c and such will actually be covered this time around.
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Old 04-01-2013, 09:42 PM
 
Location: Mostly in my head
19,813 posts, read 55,771,747 times
Reputation: 18989
My sellers bought a policy from Fidelity National Home Warranty. As I said upthread, it has worked well for me so far. My agent liked them and said she has recommended them before with good results. I have no idea what it costs. (mu HUD statement is at the CPA)
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