"jmcquown" > wrote in message
...
> On 11/27/2013 1:00 PM, Dave Smith wrote:
>> On 2013-11-27 12:51 PM, Ed Pawlowski wrote:
>>
>>> Home warranty works like this. You pay the warranty company money. If
>>> something breaks, they spend as little as possible to get things working
>>> again and keep the rest of the money. Put that $500 a year into a
>>> saving account and you can handle just about anything needed around the
>>> house.
>>
>> In Jill's case it seems that she pays the premiums and when there is a
>> problem they do nothing.
>
> That's not true. When I've had plumbing problems they've been fixed
> immediately. Where can you get a plumber to fix a leaking toilet for a
> flat $75, parts included? He even had to make a separate trip to the
> hardware store to get a special ring seal to fit the toilet.
>
> My neighbor's house (as old as mine is) has two water heaters. They
> replaced both of them over the span of a year or so. Again, a flat
> service charge. And no, they didn't put in used water heaters.
>
> The reason I have this home warranty is because of all the antiquated
> things in this house. Like the 1987 oven/stove/microwave all-in-one unit.
> The refrigerator. The washer & dryer. The warranty will pay to replace
> those things when they finally break down. I asked very specific
> questions when I purchased the warranty.
>
>> FWIW, last year I had a problem with the 220
>> line to my kitchen range. I called an electrician who a friend had
>> recommended. He was working on a a job nearby and came by when he was
>> done there. He found the and fixed the problem, checked for other issues
>> charged me only $60 cash. A plumber charges $95 just to show up.
>>
> Around here it's more like $150, and they charge by the hour. The price
> of some issues the warranty has covered could easily have cost me more
> than the annual premium if I didn't have it.
>
> A year or two ago the attic fan in my HVAC unit died. The temperature was
> very hot and it was a *holiday* weekend. The home warranty company
> couldn't get any of their contractors to answer the phone. (It *was* a
> holiday weekend, after all.) They told me if I could find some other
> company to fix it they'd reimburse me for the difference between their
> service fee and the actual charges. And they did. So I was still only
> out $75.

Sounds like you have a good deal to me.

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