Do You Need a Home Warranty if You Have Homeowners Insurance?

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Many homeowners wonder if a home warranty is worth buying when they already have homeowners insurance. The answer depends on what kind of protection you’re looking for.

Homeowners Insurance: Protection Against Disasters
Homeowners insurance is designed for emergencies. It typically covers:

Structural damage (from fires, hurricanes, etc.)

Personal property (like furniture and electronics)

Liability (in case someone gets injured on your property)

It does not cover repairs due to wear and tear.

Home Warranty: Coverage for Everyday Breakdowns
A home warranty fills in the gaps that insurance doesn’t cover. It helps pay for repairs or replacements of:

HVAC systems

Electrical and plumbing

Water heaters

Major appliances like stoves, washers, and dryers

These items wear down over time—and that’s where a home warranty becomes valuable.

When Both Are Beneficial
Consider the following:

Your insurance kicks in after disasters.

Your warranty kicks in when your 10-year-old air conditioner suddenly dies.

Owning both means you’re protected whether your home is damaged in a storm or your refrigerator stops cooling unexpectedly.

Cost Considerations
Insurance Premium: $1,000–$2,000/year (average)

Home Warranty: $300–$800/year, plus service fees ($75–$125 per claim)

The cost of a single appliance or HVAC repair can easily exceed the price of a yearly warranty.

Conclusion
Homeowners insurance is essential; a home warranty is optional but often worthwhile. If you want full protection, especially for older systems, having both may offer the peace of mind you need.

Tips to Choose the Best Crypto Signal Service

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If you keep an eye on the market, crypto trading can be profitable for you. However, you may find it hard at times. Fortunately, if you need assistance, you can give a go to crypto signal services. The signals offered by them can be used to make the right decision, at the right time. You can choose from a lot of service providers. Given below are a few tips that can help you choose the right one. Read on to know more.

Service Quality

When opting for a service, quality is the number one factor to consider. Ideally, the trading platform should have an awesome success rate as far as predictions are concerned. Aside from this, it should provide relevant impulses so you can get a better idea of the market trends and trades.

Moreover, you should be able to receive the signal promptly so you can make the right moves. The service provider should be able to generate signals as fast as possible.

Reliability

Keep in mind that the service should be reliable as you are going to make your trade decisions based on their guidance. Hence, you might want to opt for a service that you can depend on. This is the only way to make the right choice and be on the safe side.

What you need to do is hire the services of a provider who is legitimate. You are going to consult expert traders, not an automated software program.

Free Trial

How can you find out if a provider is genuine? The best way is to give a go to their service. Many providers offer a free trial service. This is true even if you are going to hire any service, not just crypt trading.

The trial service will allow you to find out if the service is reliable. Once you have tested the service, you can go ahead and pay for it for a long-term.

Pricing

After the trial period expires, you will have to pay for the service. Here it’s important to keep in mind that providers who offer crypto signals for free of charge may not be reliable. In the same way, you might not want to pay a lot of money for the trial period either. As a matter of fact, the price of packages should be fair so you can enjoy the service without breaking the bank. So, you might want to do your homework to get the right service without spending a good deal of money.

Support

Although it’s great if their support is available round the clock, the important thing is to get the right information at the right time. They should be able to answer your questions until you are satisfied.

Without reliable customer support, you can’t benefit from the crypto signal service the way you should.

In short, if you are going to hire the service of a crypto signal service, we suggest that you follow the tips given in this article. This way you can make the right choice.