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home warranty coverage reviews Each time I called about a problem having to do with faulty plumbing, electric, or faulty workmanship, AHS always found an excuse with the problem that disqualified it from their coverage plan. Each time I paid $60 for a plumber or electrician to come out only to tell me the problems were never covered by AHS. I decided to cancel the policy after 2 years but AHS made me pay for a 3rd year. Their services and policies are complete crap. Avoid them and go through your home owner's insurance or sock money away in an account earmarked for home maintenance and repairs. The fact remains that many are skeptical about the home warranty idea. It seems like something that simply is not necessary and it does not really help all that much. This attitude is quite common. A home warranty can help to cover the costs of repairs and replacements of major appliances in your home. If something breaks down, you will only have to pay a small deductible instead of the entire cost that you might have had to pay on your own. By paying an annual fee, you will be covered in the event of a number of problems.

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That’s why we buy life insurance. That’s why we buy homeowner’s insurance. If your house burns down, you can’t self insure through that one. You can self insure through your DVD player breaking. If you can’t, you don’t need to be buying a DVD player. You could self insure through your heating and air going out. It’s called an emergency fund. You can’t self insure through a triple bypass, so you have health insurance. On the big things, you transfer the risk. On the little things, you self insure. By the way, that gives you more money to self insure with because you’re not spending all your money on home warranties, extended warranties, electronics warranties and all these other rip off things.

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Better Business Bureau Among the items we found: The Better Business Bureau BBB received more than 2,300 complaints about HomeSure nationwide in the past three years. That sounds like a lot, but as past Bamboozled columns have shown, it's impossible to tell whether a complaint number is high or low without having the perspective of knowing how much business a company does. We asked CCHS, but a spokeswoman refused to say how many warranties it has. She did say it manages more than one million claims per year. BBB lists 18 alternate business names, including HMS and CCHS, for the company. It's common for a company with that many complaints to receive an low rating from BBB, but BBB didn't rank the company. We asked why. A BBB spokeswoman said it was evaluating complaints "right now" to determine if there are any patterns that it should address to the company. The BBB complaints are not isolated. A quick Google search found hundreds of additional complaints, many with similarities to Torine's experience, many citing confusion over the company's name. We asked CCHS to investigate Torine's case.