Good questions when:

Purchasing a Home Warranty

• How long have you been providing warranty coverage in my state?

• Take the time to check with your local Better Business Bureau regarding the reputation of the warranty company.

• What is covered?

• Don't be surprised if the list of included items is one page long and the list of excluded items is five pages long. Know what is covered and what is not covered before signing the contract and paying the premium. Items that may be covered: \012Heating System, \\011Plumbing Systems \\011Electrical Systems\012Water Heater \\011Oven/Range/Cook top \\011Dishwasher\012Built-in-Microwave \\011\012Garbage Disposal \012Exhaust Fan\012Ceiling Fans \\011\012Plumbing Stoppages\\011\012

• What kind of issues are classified as "pre-existing"?
• What upgrades are available?

• Upgrades available at additional cost include:\012Central A/C \\011\012Refrigerator \\011\012Clothes Washer\012Clothes Dryer \\011\012Garage Door Opener \\011\012Well Pump\012Pool/spa \\011\012Roof

• How many times can I use my home warranty in any given year?
• How do I know my service contractor is qualified?

• The home warranty company may contract with thousands of service contractors. How do they screen and choose who they select to service their clients?

• Are you available 24/7?
• How will you determine the cost of a warranty for my home?
• What out of pocket expenses can I expect?

• You may be a charged a deductible (e.g. $100 per occurrence) or a service fee ($50 - $100 per visit). Make you sure you understand what these additional charges will be. \012