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88 in my pocket of every dollar—$888 of every $1,000 that I would’ve spent on warranties and $12 in savings, and on average, I’m going to cover the breakdown that those warranties would’ve covered. The big items, you transfer the risk on. 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.

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01.14.2007 | 34 Comments

HMS National is a brand of Cross Country Home Services CCHS, whose warranties are underwritten by HomeSure of America. Making the names a little more complicated, HMS is in the process of rebranding to a new name: Cinch Home Services. This all matters because a company's reputation is linked to its name. Name changes and corporate layers, like in this case, make it hard for consumers to research a company. The Better Business Bureau shows more than 2,300 complaints against HomeSure. 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.

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01.14.2007 | 16 Comments

The deductible is likely to vary depending on the appliance and will vary per repair. For example, you may need to replace your septic system. The contractor will tell you that it is 5,000 dollars. Your deductible is $500. So, you will pay the deductible and your home warranty will cover the rest. Depending on how your contract is set up, you may only have to pay this one for the year or you may have to pay it based on the amount of the repair. For example, now that you spent the $500 and the septic was replaced, your hot water heater has begun to leak. Your home warranty may cover it since you have already paid the deductible for the year, or you may need to pay another share of the deductible. It is very important that you read the fine print so that you are clear as to what the warranty covers and what the cost of your deductible is. The contract is the legal agreement between you and the home warranty company. It means that they are legally required to hold up to their end of the agreement.
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