Owning a home comes with several unexpected expenditures, which are not always covered by your homeowners’ insurance. In such cases, it proves handy to opt for a home warranty insurance plan, which is designed to cover what your homeowners’ insurance doesn’t. A home warranty insurance plan is considered to be the foil to your home insurance when the certain perils that wreaked havoc on your home—water damage, earthquake, floods, or mold—are not covered by your home warranty insurance.
Here are certain things you should know about home warranty insurance plans that will help you arrive at an informed decision.
How is a home warranty insurance plan different from homeowners’ insurance?
For starters, homeowners’ insurance covers damages that are caused by certain defined perils, such as straight-line winds, fire, burglary, hail, and other property claims. It even covers certain types of water damage. However, homeowners’ insurance doesn’t cover the expenses that are associated with appliances or home system failures unless these failures are caused by the said peril.
Home warranty insurance, on the other hand, covers things that aren’t covered by homeowners’ insurance. These are essentially service contracts that pay for the cost of repairs or replacement of appliances, built-in appliances such as heating and air conditioning, and plumbing, when they cease to function. It typically costs around $250-$500 annually but can run closer to $1,000 depending on what plan you choose.
How does home warranty insurance plan work?
A home warranty insurance plan works in a similar fashion as the product warranty for any appliance you might have purchased. When you opt for a home warranty insurance plan, the company pays for the repairs and replacement of the specific components of your home which are included in the policy, such as your HVAC system, furnace or boiler. You will have to pay an annual fee which is used for dispatching a contractor to your house for repairs whenever a problem arises.
What factors are covered by a home warranty insurance plan?
It is essential for you to know that home warranty companies tend to offer several tiers of coverage, and these are some of the common things that are covered:
- Basic coverage includes the cost of plumbing systems, dishwashers, oven ranges, garbage disposal, exhaust or ceiling fans, sump pump and water heaters, built-in microwaves or tubs, and heating and electrical systems.
- If you opt for enhanced coverage, it would include central air, clothing washers and dryers, refrigerators, and garage door openers. These items would be covered if you pay its additional charges.
- You can even choose from the optional warranty coverage, such as well pumps, pools and spas, standalone freezers, septic systems, and central vacuums.
Before you decide on a home warranty insurance plan, ensure that you shop around for it.
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Top foods that boost skin health
Read moreAtopic dermatitis, commonly referred to as eczema, is a skin condition that triggers itching, inflammation, and rashes on the skin. The symptoms are chronic and quite erratic, meaning they can develop without warning. The rashes also increase the risk of skin infections, mainly due to exposed skin. Eczema can be managed with a few topical treatments, prescriptions, lifestyle changes, and even by including the following foods that boost overall skin health.
Healthy fats
Omega-3 fatty acids naturally prevent dry skin by providing moisture from within the body. These good fats also help lower skin inflammation and prevent acne flare-ups. Salmon, sardines, anchovies, mackerel, and herring are excellent choices loaded with zinc and omega 3s. Vegetarians can supplement this intake by including more avocados, soybeans, walnuts, chia seeds, and flax seeds.Fresh veggies
Spinach contains the highest concentration of folates and B vitamins that lower the risk of carcinoma and help repair skin DNA. Kale is a superfood when it comes to boosting anti-aging properties of the skin with vitamins A, C, E, and K. Broccoli and Brussels sprouts are some other vitamin C-rich veggies to include in daily foods. Popular non-green alternatives like carrots and pumpkin are also rich in vitamin A, beta carotene, and essential skin-repairing compounds.Fresh fruits
Tomatoes (yes, it’s a fruit) are rich in lycopene and vitamin C. These compounds mainly protect the skin from UV damage and boost collagen strength to repair skin. Also, fruits like oranges, apples, strawberries, blueberries, bananas, and cherries are excellent low glycemic options. They don’t trigger spikes in blood sugar levels. Such spikes lead to increased inflammation and sebum production, which are the main causes of breakouts and acne. Red grapes, rich in resveratrol, can also help slow down the effects of aging and lower the risk of free radicals that cause cell damage.CIBINQO™ for atopic dermatitis – New FDA approval
Developed by Pfizer and marketed under the brand name CIBINQO™, this prescription has recently received FDA approval for treating moderate to severe atopic dermatitis. The oral medication can be taken only once a day as directed by the doctors. It is suitable for use with topical prescriptions for managing symptoms of atopic dermatitis. -
How to use Google find ancestry records for free
Read moreOne of the most common ways to search for ancestry records is typing a basic query in Google. Most genealogy websites offer premium services and even if you manage to find free resources, there are a number of limitations that can stall your search for ancestry records because of the sheer complexity of the task in hand. In the end, the mighty search engine “Google” is the perfect choice to find remote links to your family history and ancestry. Who knows, a simple search could reveal you are related to Royalty and are next in line, sounds tempting doesn’t it?
So how can you make the most of a globally recognized search engine and turn it into your personal family history resource to sift through mountains of metadata and find what you have been looking for? The answer lies in the following search tips.
Search trick 1
To limit the number of search results you can use quotation marks in your search query. Quotation marks help you narrow down page requests and query hits. Most genealogy sites have online ancestry records that are open to public access and Google can narrow down the names from search query more efficiently using quotation marks.Search trick 2
You can use the minus sign to ensure that the search engine does not throw up redundant information. Place the minus sign directly before every word in your search query with no space in between to exclude such data. This trick helps you to eliminate the possibility of getting duplicate hit because of common ancestor names.Search trick 3
You can also get site-specific results by typing “site: SITEURL” before a term or group of terms to receive targeted results from that particular website. For example, if you want to receive specific page results from the Ancestry Records official website, simply enter site: ancestryrecords.com “yoursearchname” to get filtered results.Search trick 4
Select a date range to narrow down specific site results. If you know the time period in which you want to track your family’s lineage and progress, simply put the year in your search query.You might be wondering if it is even possible to get accurate results from a simple Google search query to track down results from billions of ancestry records. Note that there are many additional factors that determine the success or failure of your search query. While it is impossible to anticipate the hiccups you might face, these simple tricks can shed some light on your family history with one or multiple leads till you find a reliable source of information, naturally for free.