What is a Home Warranty and How Does it Work?

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When it comes to buying a home, most people understand the importance of having homeowner’s insurance, but few people are actually familiar with a home warranty and how it works.

The simple answer is:  A home warranty is a yearly service contract that protects specific home systems and appliances.

Your home’s systems and appliances will inevitably break down over time. A home warranty provides you with some protection when those systems and appliances eventually stop working. Many first-time homebuyers find a home warranty to be an extra layer of protection when extra funds are in short supply during those first few years of homeownership.

How does a home warranty work?

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Back to School and Insurance – is your college student covered under your policies?

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Heading off to your first semester of college can be both an exciting and emotional time, and not just for the student! One often overlooked item is insurance. Should your college student remain on the family’s auto policy? Are their personal belongings covered if there is a fire or theft in the dorm, or they lose them? What happens if they are sick and need to see a doctor, are they covered?

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