Things To Be Sure To Know About An Auto Warranty

 

Any vehicle owner can feel at ease when bringing their car to the shop if they are covered by an auto warranty. Auto warranties cover repair and maintenance costs for your vehicles. Here are three things to be sure you know about an auto warranty:

1. Know where the auto warranty is coming from. Is it coming from a manufacturer or an aftermarket company? It is important to be aware of who is handling your policy.

2. Thoroughly read through the warranty so that you are aware of how long it will last and what coverage you are getting from it.

3. Be aware of and be sure to perform any and all required maintenance on your vehicle because warranties only remain valid if you get specific work done to your vehicle. Also, keep a record of all maintenance and repairs performed on your vehicle in the event that you ever need to handle a claim.

Auto warranties provide peace of mind when bringing your vehicle to your mechanic for repairs and maintenance. If you want to get the most out of your auto warranty, it is important to know all of its details.

 

Plumbing Issues

 

Plumbing issues will soon be a thing of the past with these quick fixes you can do at home! Intimidated or don’t have the time? No problem, simply request service with America’s Choice Home Warranty and a couple clicks will get you fixed.

Plumbing Problem 1: Water Trickling Into the Bowl, or “Phantom Flushes”

Periodically, you may hear your toilet begin to voluntarily refill, as though someone had flushed it. Indeed, no one has, but don’t worry, your toilet isn’t haunted. A toilet that cuts on and off by itself, or runs intermittently, has a problem that plumbers call a “phantom flush.” The issue is a slow leak from the toilet tank into the bowl. This problem is almost certainly caused by a bad flapper or flapper seal. The solution is simple: drain the tank and bowl, check and clean the flapper seat and replace the flapper if it’s worn or damaged. 

Plumbing Problem 2: Water Trickling Into the Tank

Do you hear a steady hissing sound coming from your toilet? This is a result of water trickling into the tank via the supply line. First thing’s first, check the float, the ballcock or inlet-valve assembly and the refill tube. The hissing sound is typically caused by water coming through the inlet valve. First, check to see whether the float needs adjustment, or if it’s sticking. Next, check to make sure the refill tube isn’t inserted too far into the overflow tube. (It should extend only about 1/4″ below the rim of the overflow tube.) If neither of these adjustments solves the problem, you’ll probably need to replace the ballcock assembly. 

Plumbing Problem 3: The Bowl Empties Slowly

A weak flush, or a bowl that empties really, really slowly, is usually the result of clogged holes underneath the rim of the bowl. This is the easiest fix of all: use a curved piece of wire to poke gently into each flush hole to clear out any junk and bacteria. Coat-hanger wire works fine, and a small mirror will help you see under the rim. You can also use wire to loosen debris that may be blocking the siphon jet in the bottom of the drain. Be careful not to scratch the bowl, and make sure to use gloves and thoroughly wash your hands afterward.

Plumbing Problem 4: The Dreaded Clog

Clogs are definitely the most common of toilet problems. The good news is several tools can help you clear a clogged drain. A force-cup plunger is more effective for clearing minor clogs. Insert the bulb into the drain, and pump forcefully, careful not to spill waste water all over yourself or the floor. Slowly release the handle, letting a little water in so you can see whether the drain is clear. Repeat if necessary.

For serious clogs, use a closet auger. Insert the end of the auger into the drain hole, and twist the handle as you push the rotor downward. Use caution not to scratch the bowl.

Plumbing Problem 5: Leaky Seals

A standard toilet has at least five seals; each seal has the potential for leaking. The straightforward solution is to identify the faulty seal and tighten or replace it. The seal between the tank and bowl is the largest and most problematic. A break here will cause a major leak, with water shooting out from underneath the tank at every flush. Although it sounds intimidating, replacing this seal involves draining and removing the tank. First, turn the tank upside down for better access. Then, remove the old seal and pop on a new one.

The smaller seals at the mounting bolts and the base of the ballcock may also fail and cause smaller leaks. Replace these in the same way. Occasionally tightening the bolts or mounting nut is usually enough to stop the leak.

The final seal is the wax seal mounted on a plastic flange underneath the toilet base. This is a big deal because if this seal fails, water leaking underneath the toilet base will eventually rot the floor. Caulking around the base of the toilet without repairing the leak will only trap the water, making matters worse. To repair a leak around the base of the toilet, you’ll need to remove the toilet and replace the wax seal. If the leak is caused by a broken flange, request service with E-Exchanreg Home Warranty and we’ll hook you up with a professional plumber if you don’t have your own in mind.

Separating Fact From Fiction When It Comes to Long-Term Care Insurance

Few people are prepared to handle the financial burden of long-term health care. In fact, many people have a false sense of security when it comes to long-term care. Let’s separate fact from fiction:

“Medicare and my Medicare supplement policy will cover it.”

FACTS:

  • Medicare and “Medigap” insurance were never intended to pay for ongoing, long-term care. Only about 12% of nursing home costs are paid by Medicare, for short-term skilled nursing home care following hospitalization. (Source: Guide to Long-Term Care Insurance, AHIP, 2013)
  • Medicare and most health insurance plans, including Medicare supplement policies, do not pay for long-term custodial care. (Source: 2017 Medicare & You, Centers for Medicare & Medicaid Services)

“It won’t happen to me.”

FACTS:

  • Almost 70% of people turning age 65 will need long term care services and supports at some point in their lives. (Source: LongTermCare.gov, November 2016)
  • About 67% of nursing home residents and 70% of assisted living residents are women. (Source: Long-Term Care Providers and Services Users in the United States, February 2016, National Center for Health Statistics)

“I can afford it.”

FACTS:

  • As a national average, a year in a nursing home is currently estimated to cost about $92,000. In some areas, it can easily cost well over $110,000! (Source: Genworth 2016 Cost of Care Survey, April 2016)
  • The average length of a nursing home stay is 835 days. (Source: Centers for Disease Control and Prevention, Nursing Home Care FastStats, last updated May 2014)
  • The national average cost of a one bedroom in an assisted living facility in the U.S. was $43,539 per year in 2016. (Source: Genworth 2016 Cost of Care Survey, April 2016)
  • Home health care is less expensive, but it still adds up. In 2016, the national average hourly rate for licensed home health aides was $20. Bringing an aide into your home for 20 hours a week can easily cost over $1,600 each month, or almost $20,000 a year. (Source: Genworth 2016 Cost of Care Survey, April 2016)

“If I can’t afford it, I’ll go on Medicaid.”

FACTS:

  • Medicaid, or welfare assistance, has many “strings” attached and is only available to people who meet federal poverty guidelines.

Whether purchased for yourself, your spouse or for an aging parent, long-term care insurance can help protect assets accumulated over a lifetime from the ravages of long-term care costs.

What Car Warranty is Best for Me?

Whether you're shopping for a new or used car, most people have a general idea that a warranty is a good idea. Warranties are often considered to be a form of "insurance" - you pay out a fee and in exchange, your car will be fixed if anything on it breaks, but unfortunately, it's not quite that simple. There are different types of warranties and a warranty might not necessarily cover everything that you think it will. Here is everything you need to know:

What Exactly is an Auto Warranty?

A warranty is a contract between either you and your dealership or you and your manufacturer. At its simplest, a warranty sets out a specific amount of time and mileage; any defects and repairs that are necessary under that time and mileage amount are automatically covered under warranty. Warranties usually last around three years or 36,000 miles. They can also be extended upon vehicle purchase. This is very common when used vehicles are purchased. 

But an auto warranty is not a type of insurance even though it is often presented as one. Auto warranties are only designed to fix parts that are considered to be defective or faulty. They are not designed to fix parts that have broken down from wear-and-tear, collisions or other issues. There are also different types of auto warranties that you need to understand.

What Types of Warranty Coverage Exist?

  • Drivetrain and powertrain warranties - These warranties are designed to ensure that the very essential components of the vehicle last: the engine, transmission and the associated parts. Drivetrain and powertrain warranties protect against manufacturer defects of these components but will be voided if they haven't been properly serviced (such as with regular oil changes).
  • Bumper-to-bumper warranties - The standard bumper-to-bumper warranty is a three-year warranty (or 36,000 miles) that governs the parts of the vehicle from bumper-to-bumper. If these parts are considered to be defective, they will be repaired as needed.
  • Rust or corrosion warranties - This type of warranty is rarer but may be tacked on to the other warranty. This covers rust and corrosion if it occurs due to a defect.
  • Federal emissions warranties - This warranty is more popular now and will cover any repairs necessary to ensure that the vehicle meets its emissions standards.
  • Roadside assistance - This is another specialty warranty that offers roadside assistance if a vehicle breaks down. Most people already have this through their insurance.

How Does a Warranty Work?

To go through a warranty, you must first contact the vehicle entity you have a relationship with: either your dealer or your manufacturer. They will then direct you to the repair shop that will work with you. 

Warranties can be voided if an individual does not maintain their vehicle properly. Auto Tek provides complete auto services that will ensure that all the parts of your vehicle are well-maintained so that you can stay within your warranties. Contact our team of professionals today!

Do Home Warranties Cover Plumbing?

Let’s face it; plumbing issues stink! Plumbing is one of those home systems we tend not to appreciate until there’s a problem with it. They can occur without any warning making for an unpleasant surprise that you have no choice but to address immediately.

Plumbing problems aren’t just unpleasant; they can also be expensive. Not only does the issue itself needs to be remedied, but also leaked water can cause several residual issues such as floorboard rot, drywall damage and mold, among others.

Related: A Guide To Leaks, Clogs, And Other Plumbing Issues You Can Fix

The average cost to hire a plumber for a typical job ranges from $160 to $430. Plus, plumbers often charge an additional premium to come out on evenings or weekends. The cost of parts for the repair can vary widely, especially in older homes where replacement pieces are harder to find.

What Do Home Warranties Cover?

If you’ve been asking yourself whether you should invest in a home warranty, the first step is to look at what’s covered under the warranty. Each plan is different and coverage can vary.

CoverageInsure Home Warranty plan covers the costs of repairing or replacing more than 20 major appliances and home systems, including plumbing. There are flexible plans that allow you to choose the best fit for your family’s needs and you can even build your own custom plan so you have the exact coverage you want.

Do Home Warranties Cover Plumbing?

Generally speaking, home warranties do cover plumbing when issues result from normal wear and tear. Not every plan is created equally, though, so it’s important to look at what exactly is covered, especially if you already have a contract. Some of the common plumbing troubles covered by AHS include:

  • Leaks and breaks in the water, gas, drain or vent lines
  • Faucets, shower heads, and shower valves
  • Built-in bathtub whirlpool motors, pumps, and air switches
  • Clearing sink, tub, shower and toilet stoppages

Be sure to check the yor contract for more details.

Give Yourself Peace of Mind

Unfortunately, plumbing issues are inevitable in any home. Since the best plan is to be prepared, you can ease your stress by giving yourself the gift of an American Home Shield plan.

Can you get Term Life Insurance if you have Heart Disease Risk Factors?

 

The heart wants what it wants.

As if having a heart condition or related risk factor isn’t unnerving enough, the worry of not being able to provide or afford to provide financial peace of mind for your loved ones could compound the stress of a medical issue.

Naturally, life insurance companies are interested in how healthy your heart is as they assess their risk in granting you coverage. People with or at risk for cardiovascular disease, or even a family history of it, could end up paying higher premiums for their policies. A drop of one rating class (e.g., Super Preferred to Preferred) could mean an increase of 25% or more in the cost of your insurance policy. And under certain circumstances, an insurance company might deny you coverage.

If You're Thinking About Applying for a Life Insurance Policy, Keep These two Things in Mind: 

  1. You need to be completely honest about your current health status and medical history.

Lying, misleading, or omitting crucial information about your health will likely get you rated at a higher premium or denied a policy. And if you’re granted a policy, die, and the insurance company discovers you lied or misrepresented information on your application, it could either lower the benefit your family receives or the company will altogether refuse the claim.

  1. Although you may not be able to help that you have a heart condition or risk factor, doing what you can to keep issues under control will work in your favor. 

For example, if you have blood pressure that’s typically higher than the ideal normal reading of less than 120/80, you might consider seeing a doctor and getting it under control before you apply for life insurance. I have first-hand experience with this one. My blood pressure had been running high, but because I didn’t have other risk factors and was under a physician’s care to keep my BP under control, I still got a preferred plus rating when I applied for term life insurance.

The same goes for cholesterol levels. Total cholesterol (a measure of your HDL, LDL, and other components) of below 200 and a ratio of LDL and HDLs of 5.0 or less are considered ideal. As with blood pressure, if your levels are outside of the preferred levels, getting them under control before applying for life insurance will serve your wallet well.

How do Insurance Companies Check your Heart Health?

When you apply for insurance, you’ll need to share about your medical history (and family medical history) by answering questions on the application. You’ll also need to undergo a paramedical exam that includes blood tests, blood pressure check, and urinalysis. Depending on your age, history, and amount of coverage requested (if larger than normal), the insurance company might also ask you to go through an electrocardiogram (EKG) and/or a stress (treadmill) test to further evaluate your heart health.

Realize that all insurance companies have different policies and procedures so the requirements, considerations, and rates will vary from one to another.

How can you get the Best Life Insurance Rate?

If you’ve avoided looking into life insurance because you don’t think you can afford the cost, you might be pleasantly surprised if you explore the option of term life insurance. You’ll need to go through the same type of health assessments as you would when applying for whole life insurance, but term life policies offer premiums that could be substantially lower. They’re simple, straightforward policies without the bells and whistles that run up premium rates.

You can quickly and easily get a preliminary term life quote online. To find out if a term life policy might be the right choice for you and your family, talk with a trusted insurance professional who can explain how it works and answer your questions.

Why Should Consumers Purchase An Extended Warranty For Their Car?

Most cars come with a manufacturer’s warranty for 3 years or 36,000 miles. Some have longer 4 year were 50,000 mile coverage. And even fewer have a 5 year or 60,000 mile warranty. As fate would have it, most major auto repairs occur after the manufacturer’s warranty period expires. Purchasing an extended auto warranty can save you hundreds, or even thousands of dollars on each repair. And as repairs at up over the life of an extended car warranty it is not uncommon to have savings equal $5,000, or even $10,000 or more.

If your car is out of warranty, or will soon be out of warranty and you don’t want to or don’t have the ability to pay these high repair bills that are imminent, purchasing an extended auto warranty is a consumers best bet.

To learn more about the different types of coverage available for your vehicle and the cost visiting a “reliable” company’s website for a quote is a great idea. A good place to start might be visiting Auto Advantage who have an A+ rating with the Better Business Bureau and are also accredited by the BBB and who have been supplying car warranties to the public since 1979.

Home Insurance for Protection of Your Most Valuable Asset

Is Home, your most valuable asset? In fact, for most of us, it is. We spend a substantial part of our lifetime’s earnings on a Home. We spend some of the best moments of our lives in our homes. We take all care to ensure that our homes and possessions are protected from any damage or loss. However, mishaps still happen. We can do little about the natural disasters that can potentially cause major damage. Housebreakings are not rare despite us installing best protection equipment with burglars finding ways to outsmart the technology.

Any damage to the exterior or the interiors of our homes or its content can cause emotional and financial distress. There could be many things to fix and replace. As our homes protect us from the heat, dust, rains and many other troubles, it is only fair that we protect our homes from any damage / untoward incidence. In order to protect your home and protecting yourself against any potential losses due to any damage to your home, you need a Home Insurance.

Traditionally, Indian homeowners’ attitude towards Home Insurance has been somewhat indifferent. A Home Insurance has been considered as an avoidable expense in India till recently. However, Home Insurance in India is getting recognized as a crucial protection product after instances of natural disasters in Nepal and India, when many houses were seriously damaged. Thefts have been common for years; however, stakes have gone up of late with homeowners’ preferences for high-value gadgets like LED Television Sets, Home Theatre Systems, Air Conditioners and even rare Antiques. Home Insurance plans are designed to protect the insured against a wide range of perils that put them at risk.

A standard Home Insurance not only safeguards the structure of your home but also covers all the belongings and prized possessions collected over the years. A standard Home Insurance cover gives you a chance to choose either the house structure or the household contents in a single policy.

Let’s understand in detail what a standard Home Insurance plan offers:

Fire: A house can catch fire due to many possible reasons. One may forget to switch off the stove or a spark emanating from an electrical appliance may result in something big and devastating. Short-circuits are common in rainy seasons. A Home Insurance plan offers protection against losses due to fire. It can leave a devastating effect. The property structure can become severely damaged, such that you have to rebuild it. In such a situation, a Home Insurance policy pays for the expenses incurred on repair and reconstruction work. With financial support from the Home Insurance policy, you can focus on getting the house back to its original condition.

Theft: Another problem that worries most homeowners is a possibility of theft. A burglary can result in loss of precious contents such as jewelry, documents, and electronic appliances. One can protect against such possibilities by taking optional burglary coverage. This coverage pays out in the event that the home's contents are stolen.

Storm, Flood, Inundation: With rising instances of Flood, inundation in the last few years, Home Insurance is gaining the attention of the homeowners as an important protection product. There have been a number of instances of people have become the victims of natural disasters in which their houses have been damaged to great extent.

Earthquake: One can also opt for an Earthquake coverage which offers compensation if the structure or the contents of the home are damaged due to Earthquake.

Others: One can also opt for a terrorism coverage which offers compensation if the structure or the contents of the home are damaged by acts of terrorism. Home Insurance in India is becoming important with changing dynamics of Home ownership. A house can get damaged due to so a number of external factors beyond the control of the owner. In the case of a serious damage, it may not be possible to restore everything to its original state because of the enormous expenses that it may involve. With Home Insurance, you can make a claim on the policy and recover the expenses arising from the loss.

In the event of a mishap, making a home insurance claim is not complicated. The homeowner needs to fill in the claims form and submit it with relevant documents to the insurance company. All documents supporting your claim must be provided for it to be approved. The insurance company surveyor will scrutinize the loss and the claim and arrive at a compensation based on the replacement cost.

Home insurance quote depends on various factors like if the premise to be insured is rented or owned accommodation, the Type of property (flat or individual house), the age of the property and the coverage type (the structure or the content or both). Coverage amount is the maximum limit that would be paid if some damage occurs to the house. The major factor that determines the coverage amount is reconstruction cost of the house. Reconstruction cost is ascertained by the following formula:

Total constructed area X Construction cost per square feet With a good home insurance in place, you can have complete peace of mind regarding your property investment. In events like damage to your house due to an earthquake and flood/, inundation, you can avail emergency repairs,. Interestingly, the Home Insurance premium is reasonably low in most cases so as not to put extra financial burden on you. Whether you live in a city or a small town, a Home Insurance is becoming essential. If you have invested a substantial amount of your lifetime’s earnings on your home and its contents, then not having a Home Insurance can be risky.