Tag Archives: home warranty insurance

Sensible Home Warranty Plan

Home warranty typically covers the mechanical systems in the home — such as heating, plumbing, electrical systems and built-in appliances — for a period of six months to one year, depending on the policy. However, most home warranties DO NOT cover structural problems such as a leaky roof or a cracked foundation. That’s why it’s crucial that you always hire a professional home inspector to inspect a home before you buy it.

Sensible Home Warranty

There are about 50 or so big home warranty companies in United States and hundreds of local companies. So it is hard to choose the company that works best for you. There are several factors you should consider. Choose a company that has good reputation for handling claims. Sensible home warranty is one such company. While there are some negative reviews, they have plenty of customers with positive experience.

You don’t have to limit your choices to one company or other. Your selection criteria may depend on other factors such as policy premium, deductible per incident, coverage of appliances etc. Refer to reviews and listing of home warranty companies before you make your choice.

A Trade Service Call Fee is a small expense to the customer which is due each time a contractor comes to the home to diagnose a problem. The amount of your Trade Service Call Fee can be found on the back of the application. Since it may require more than one contractor or several unrelated trips to the house by the same contractor, (one to fix the pipe, another to fix the dishwasher) there is a fee due for each trade a service call covers. It’s perfectly alright to report more than one breakdown at a time.


Rob Jornia, VA

Four days before Thanksgiving, my oven went out. Yes, I had a turkey and all the trimmings, waiting to be cooked. So I called Sensible, to file a claim. This was my first claim, as I had just signed up with them in Nov, as my previous warranty company stopped issuing policies in my state. I’d read all the reviews on Sensible Home Warranty, and they seeemed like the best choice…and, wow, am I glad I chose them.
They kept me informed as to the progress of finding a repairman, and within 48 hours, sent Cox Appliance company to fix the oven. He did a spectacular job, and the oven was fixed in record time for me to cook Thanksgiving dinner.

Sensible is the third home warranty company we have used over the last 15 years. They are head and shoulders above the current pack for a number of reasons:

1. Their fees are reasonable.
2. They tend to approve, not disapprove, repairs.
3. You can actually speak to someone who is authorized to make things happen, and they do.

No company is perfect, and let’s face it: any insurance or warranty company is supposed to be cautious about claims; individuals are as likely to be unscrupulous as some companies are, and a good company cannot afford to be taken advantage of.

It was our experience with two prior companies, who had once had charged reasonable fees and provided quick, reliable service, somewhat quickly morphed into companies that seemed to be more geared to not providing repairs. Front line representatives were the only ones reachable as a human voice, and they either had no authority or pretended they did not. As important, local repair companies that had provided years of service suddenly stopped working with these companies. Their complaints and observations echoed our own.

Interestingly, we found Sensible Home Warranty via this site, and we are concluding our first year with them. There has only been one small hiccup in a handful of repair requests. We happen to have timed it just right when their phone center was being upgraded, and reaching them took a bit longer. However, once we got through and explained that we had not gotten the service we expected, they began calling us proactively to make sure things were going well.