Ways to Save Money

In these hard times, money is hard to come by so you should know how to save it until things get better. Since it is a balancing act that is somewhat challenging, here are a few ways that can teach you how to save money. If you don’t want to lose your home like a lot of Americans have over the past year, you have to kill your debt first. You do that by calculating how much money you spend in a month and then see where the budgets can be made so there is money you can use to pay ...

Five Practical Ways to Save Money for Students

It can be hard to think of ways to save money especially for students since they don’t have their own money yet. This is because at times, for all the expenses while on campus, there is barely left to save. Although it is hard, it doesn’t mean that it is impossible for students to save money while studying. All they need is to develop good time management skills, strict budgeting, and practicality. If you are one of those who are thinking of ways to save money while on campus or even before you enter one, here are some of the ...

Six Simple Ways to Save Money

No matter where you look at it, there will be always ways to save money if the person has the will do so. If you are one of those who are trying to come up with ways to save money in this unstable economy, it is best to start with developing a simple lifestyle. When you are able to do this, the rest will follow. But, if you are one of those who are not sure where to start, here are some eight simple ways to save money. 1. Cut down on grocery or shopping sprees. Although buying groceries is a ...

Save Money Without Feeling Poor

Yes. You are feeling the economic crunch. Times are hard and you are finding it hard to even make both ends meet with the rising costs of basic necessities and the fact that you lost one of the part-time jobs that you are holding. This is the common scenario that people, not only in the US, is feeling. They may not have lost their jobs but they have certainly found it hard to earn extra. Can you blame them then if they look for ways to cut costs and save money? Although it looks like a pretty daunting task, it’s not ...

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70 Ways for Home Buyers to Save Money When Buying a Home: Tip #23

Tip #23 in our series of 70 ways to save money when buying a house is to buy a home warranty.

Despite the love buyers show for their newfound properties, there could be things beneath the surface not foreseen or witnessed. From a cursory glance, homes may appear spotless with no maintenance required whatsoever, even on resale homes. The word of the seller may cloud enough judgment to avoid covering insurance costs on the home. There have been countless cases where a buyer moved into a home only to find pre-existing wear and tear on the home and leaks a couple of months later. For this reason, a home warranty should be considered.

In essence, a home warranty is a service agreement that protects your home's major operations including its roof, water systems, structure, and appliances. They serve a dual purpose in the real estate game: for sellers to use them as a valuable marketing tool during their selling period and for buyers to rest easy knowing their potential home is secure. These plans can be geared towards any home from the spanking new to the 50 year old duplex. As long as your items are in decent working order and conditions arise after the issuance of the home warranty, you should be covered.

Many buyers make the mistake of interpreting home warranty plans as home insurance policies. They are both totally different things. Home insurance policies are plans providing coverage for burglary, theft, and natural disasters while home warranties cover breakdowns caused by wear and tear in addition to failed circuits, plumbing, or any other home malady. A home warranty is excellent for anyone that wants to gain a higher level of confidence when moving into a resold home. In addition, home warranties are touted by real estate experts as critical to after-sale problem prevention. Although buyers still have the right to file suit on sellers who fail to disclose construction and appliance problems, home warranties can lessen the blow.

Today's home warranty policies usually have a standard 12 month term with the option for more. 6 months or more can be provided in seller coverage as well. In addition, many home warranty companies also offer complimentary inspections to ease the transition into the plan. When it comes to selecting a home warranty, make sure you compare multiple providers. Comparing means finding how which items are included in standard coverage, what items are parts of separate policies, the co-payment, and finding out the reputation/track record of each company. By shopping around, you are virtually ensured that you are getting the best coverage for a fair price.

As buyers, you can have the seller pay for your home warranty along with other concessions. This usually occurs when there has been concessions made by the buyer, such as paying for the house at slightly over market value or surrendering to owner financing. Check to see if you are eligible for a home warranty plan paid for by your seller today for better real estate terms.
About The Author

Mr Kamadia, is a mortgage consultant, and real estate broker in Houston Texas. For the 69 other free articles on saving money when you buy a house visit Abby's Houston Texas Real Estate website.