8 things not covered by a home warranty

8 things not covered by a home warranty

For many homeowners, a home warranty is quite useful for protecting against unexpected mishaps. For instance, if an appliance suddenly breaks down or emergency plumbing leakage occurs, a home warranty plan can help save on the expenditure of repair and replacement. Yet, there are certain things that a home warranty does not cover. Being aware of these things will help a homeowner figure out whether a home warranty is a feasible option.

Washer, dryer, and fridge
Most home warranties offer coverage for several household appliances. But most standard plans often exclude refrigerators, washers, and dryers. If a homeowner wishes to get coverage for these appliances as well, they need to get enhanced coverage if their insurance provider offers it. Besides this, it is important to read the fine print in the warranty contract to ensure whether these appliances are included or excluded from the plan.

Garage doors and tracks
Typically, garage door openers are covered by most home warranty plans. It is the garage door and track that are not covered under home warranty plans. Similar to the washer and dryer, it is important to check the contract of the home warranty plan to ensure whether the garage door is included. But if it is not a part of the contract and a homeowner wants to replace it, it is better to look into the homeowner’s insurance options. Alternatively, one can also choose to pay the cost out of pocket if it does not go over budget.

HVAC system
Home warranties are a type of system insurance. This means they are supposed to offer coverage for all the systems installed in a house. Strangely, central air conditioning and heating units are sometimes an exception. While it has become common for most home warranty plans to include these systems, it is always better to read through the contract properly to be on the safe side. Besides, even if the main HVAC system is covered by the warranty, the secondary AC or heating units might not be covered.

Windows, walls, and doors
In general, home warranties are usually applicable to systems and appliances. Most of these plans do not provide the cost of covering structural problems in a house. However, a few contracts allow homeowners to repair windows that might threaten the integrity of the house. Still, window and door issues are usually covered by homeowners insurance and not home warranties.

Roof leaks
Many homeowners assume that unwanted water getting into their homes can be categorized as plumbing issues. Such issues are usually covered by most home warranties. Unfortunately, water coming through the roof due to leakage is not an issue with the plumbing system. So, roof leakage is generally considered a structural problem and not a systemic issue. A home warranty plan does not cover such structural issues. Instead, a homeowners insurance policy might be more useful in these circumstances.

Sprinkler systems
Usually, home warranty providers do not include outdoor plumbing systems in their plans. These systems include sprinklers, faucets, and valves that are fixed outside the house. The reason for not providing coverage for repairing or replacing these in the warranty is that the outdoor plumbing system adds to the curb appeal of the house. These are not part of the internal systems and appliances. Besides, issues with sprinklers and outdoor faucets do not really threaten the integrity of a house, so most home warranty plans leave these out.

Hot tubs and pools
Just like outdoor sprinkler systems, pools, hot tubs, and spas are generally not included in home warranty plans. But some providers offer additional coverage plans that can be added on to standard plans. By choosing these add-ons, homeowners can get the coverage they need for repairing normal wear and tear issues that can arise with these outdoor amenities.

Septic systems
For many homeowners, it is often quite surprising that septic tanks are not included in home warranty plans. This is especially because indoor plumbing systems and toilets are generally considered standard for most plans. The reason why septic tanks are not a part of home warranties is because these systems are technically fixed on the outdoors. So, most warranty plans tend to exclude these. Homeowners who have a septic system installed need to ensure it is included in the warranty plan or look for other options that can provide coverage for the repair or replacement of the tank.

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The health and wellness industry continues to see technological advancements that help professionals offer personalized care with the help of round-the-clock health monitoring. This is where wearable medical devices come in. Devices such as smartwatches can keep track of personal health data, including body temperature, blood pressure, and heart rate, and sometimes detect health risks. However, to make the most of wearable healthcare tech, it is important to choose the right device.  1. Not identifying health needs Before buying a wearable device to monitor health, one must determine their precise needs. For instance, one may require a wearable device that could monitor their heart rate, oxygen levels, and blood pressure. However, some smartwatches might not track all kinds of health data. So, one must ensure that the wearable device they are considering offers the features one needs.  2. Choosing price over quality Today, one may come across all kinds of wearable health-tracking devices at varying price points. They may also be tempted to buy a cheaper device that seems to offer certain key features one expects in a wearable medical device. However, one should note that cheap wearables might not meet the required safety and performance standards, which may make them unable to track health data accurately. Also, cheap wearables might be made using inferior quality materials, speeding up the wear and tear of the device. Prioritizing quality when choosing such a gadget can help one get a durable device that offers accurate data. 3. Overspending Although going with a cheap product might be a mistake, choosing a device just because it is expensive is also an error one must avoid. Getting the most expensive wearable device without enough research can cause one to overspend and bring home something that they do not need. One should first examine the features a wearable device offers. Then, one must see if most of the device’s features seem unnecessary, then maybe it is not the right device. For instance, for basic health data tracking, one may not need a color screen, speaker, or calling features in their wearable device. So, they could save money by picking a more affordable option that does the job. The goal should be to get a value-for-money device. 4. Ignoring battery life Wearable health-tracking devices run on a rechargeable battery, so they will eventually run out of power and have to be charged to be used again. This is why it is important to consider the battery life of a wearable. Ignoring this key aspect could lead to buyer’s remorse. Also, choosing a device with a long battery life should be a higher priority for those who travel a lot rather than those who don’t, considering the former would frequently have access to a charging point. Certain premium devices can last 45 days on a single charge, while other, more cost-effective options may last less than a week on a single charge.  5. Neglecting comfort If one buys a wearable device that is not comfortable, then they might wear it less than they should. This would make them unable to consistently track health data. So, not testing the device for comfort is a mistake to avoid. To avoid this, one should try wearing the medical device for 15 to 20 minutes and looking for redness, irritation, allergic reactions, or any discomfort before making a purchase. 6. Not considering device compatibility A wearable gadget that is compatible with most of the devices one currently uses can help one seamlessly access health data on the device of their choice and avoid losing valuable information if the wearable malfunctions. However, one may overlook device compatibility and end up buying a device that does not sync with their phone or computer.  So, one should choose a device that can easily connect to their existing devices. 7. Overlooking ease of use While a smart wearable device might come with all the necessary features and advanced data tracking tech, it might be too complicated to use. Things like a cluttered display or slow interface can make it difficult for one to get the most out of the device. These things also make accessing healthcare data quite time-consuming. So, it is important to assess the device by testing it in person before making a purchase decision. Key things to look for are a clean and intuitive interface and easy-to-navigate menu. 

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7 common mistakes people make when buying football merchandise

Buying football merchandise serves multiple purposes beyond simply owning clothing or accessories. Products like jerseys, scarves, and memorabilia allow fans to demonstrate their support for their favorite teams. They help build a sense of community and preserve the legacy of the sport. However, while buying football merchandise, mistakes might occur, leading to purchasing counterfeit products that compromise quality and lead to disappointment. It is important to avoid such common mistakes and buy from reliable sources. Falling for fake merchandiseA significant number of fans make the mistake of purchasing counterfeit football merchandise. It can be difficult to distinguish them from authentic items since fake products can look convincingly real. However, they lack the quality and originality of genuine items. Since these products support illegal operations, fans can avoid the mistake of buying them by always opting for reputable sources. Official club stores, popular sports retailers, and authorized online platforms are the best places to find authentic merchandise. Check for authenticity markers like holograms, official tags, and manufacturer details. Ignoring size chartsAnother common mistake fans make is buying football apparel without consulting the size chart. Remember that every company can have its sizing process and that the chart can vary, especially when it comes to football jerseys. Sometimes, sizing can be different not just between brands but also within the same brand’s different product lines. Ignoring size charts can lead to ill-fitting garments that are uncomfortable when worn. Remember to always check the size chart before purchasing any apparel. Consider one’s body measurements and cross-check the size that would fit better. Some retailers also offer customer reviews that mention sizing accuracy, which can be very helpful. Overlooking return policiesWhen buying football merchandise, excitement and enthusiasm can lead to hasty purchases. The mistake people make with quick purchases is that they do not check the seller’s return policy. If the merchandise turns out to be defective, of the wrong size, or not what one expected, a poor return policy can leave one stuck with an unsatisfactory product. So, before making a purchase, review the return policy carefully. It is important to look for key details such as the return window, return policies, and whether an individual will get a refund. Understanding the return policy helps ensure one can rectify any issues with the purchase. Neglecting quality for priceWhile going for a cheaper price tag can be tempting when looking at football merchandise, lower prices do not necessarily mean grabbing an excellent deal. Remember that lower-priced products often come at the cost of quality. Poorly made items can fade, tear, or wear out quickly, leading to frequent replacements and higher costs in the long run. To avoid this, prioritize quality over price when buying merchandise. Good quality products may have a higher upfront cost but usually offer better durability and comfort. Individuals must read product descriptions carefully and pay attention to the materials used and the manufacturer’s reputation. Buying on impulseImpulse buying is another common issue people must address when buying football merchandise. Purchases tend to increase during sales events or when new merchandise is released. The excitement of getting one’s hands on a new limited edition item can overshadow the practicality of the purchase and cause regret later, especially if the purchase does not fit one’s preferences or needs. To avoid impulse buying, carefully consider whether it is something one wants or needs. Not considering shipping costs and timesThis is especially applicable to international purchases. When it comes to limited-edition football merchandise or limited-time deals, fans often forget to factor in shipping costs and times. These can significantly contribute to the total cost and delay the arrival of merchandise. Checking things after purchasing the item can lead to frustration. So, always check the shipping policies before completing the purchase. Check the manufacturer’s website for information like shipping costs, estimated delivery time, deliverable locations, and any potential customs fees for international orders. Not checking reviews Skipping customer reviews and ratings can be a big mistake. These reviews often provide real-world insights into the product’s quality, fit, and overall satisfaction from other buyers. Before purchasing football merchandise, take the time to read through reviews and check the product’s overall rating. Look for patterns in the feedback and see if there are any consistently mentioned issues or praises. Any commonality in the reviews and ratings can give one a good idea of what to expect. This research can help one make more informed decisions and avoid products that have common complaints.

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