The mere mention of “car warranty” and “car insurance” brings this one word to mind: protection. Given that definition, you might be forgiven at first for thinking that warranty and insurance are the same. However, those two advocate distinctive characteristics as far as consumer protection is concerned in regards to their respective coverages. As a matter of course, you must avoid confusing between the two concepts.

Despite having seemingly similar names, car warranty and car insurance deal with a mixed variety of things. Nonetheless, what has long been established is the fact that both tools provide diverse ways on protecting you and your car the way you want it. Put simply, car warranty and car insurance come in a variety of protection packages, all of which targets specific components pertinent to you and your car’s safety.

You can best differentiate car warranty and car insurance respectively through these two concepts: car parts and accidents. Car warranty provides protection in the event when any of your car’s components fails without any fault from your end. Car insurance shields you from any unwanted one-time costs arising from accidents. This article discusses a comparative approach to distinguishing between the two tools.

A car warranty thus serves as a safety net against those circumstances previously mentioned. Standard coverage for vehicular damage caused by defective car parts – in the absence of any external force of course, merits the advantage of a car warranty. Essentially, automakers specify a sufficient warranty period for your car and specific car parts, which allows you to take advantage of free repair and replacement throughout its duration. In the event any of your car parts break down without your fault during the warranty period, you can use your car warranty to have your repairs and replacements done free of charge. But those warranties only last so long, which is why you should then invest in an extended warranty for your car to further your protection against unexpected car repairs. With an extended warranty, you are able to get discounted repairs, which is better than paying the full price. Less money to be spent, means that you won’t lose your mind when you get that bill.


Accidents happen just when you least expect it. Chances are, your car may be exposed to countless opportunities of being written off the more you use it for commuting. From road mishaps to damage from natural disasters, your car confronts numerous chances of encountering accidents. That should leave you with no room for complacency, given that one-time payments for repair and replacements can derail your budget in the long run.

To save yourself from the financially-disastrous effects of car accidents, consider a proper car insurance package that best suits you and your car. Through reasonable payment terms for premiums, a car insurance affords you with sufficient coverage that allows you and your car to recover as you claim what is due to you. Compared to shelling out money for expensive repairs, car insurance provides you with the convenience of having your insured car taken care of by your insurance provider, particularly in cases where your insurance package involves a specific service center. Additionally, car insurance also helps cushion the financial consequences of damaging another car in an accident, as it provides you with cover as you compensate for repairs. The fact that you cannot exactly anticipate the frequency of accidents happening to you and your car makes car insurance an essential investment.


Car ownership means so much more than purchasing your own car – it involves the need to invest in various protective instruments, as in the case of both car warranty and car insurance. Both tools allow you to have optimal protection against the financially-disastrous effects of car parts defects or accidents on the road. Depending on the scope of your coverage for each tool, you may choose to go for just a car warranty, car insurance, or both. We highly suggest having both, as you can never know what will go wrong. Insurance is a must, but a warranty is just as important for the normal wear and tear you’re your vehicle undergoes from commuting you to your various locations. Ultimately, investing on these tools makes you the biggest beneficiary, which is why your wise and informed discretion is crucial in making this decision. It’s best to be proactive and protected, because life can throw you curve balls and sometimes it throws things at your car.

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10 best car buying tips


Thinking about buying a car? Make sure you set aside some time to plan for this major purchase. After a home, a car is typically the second most expensive purchase anyone makes — and settling on a new vehicle is not a decision to make merely over a weekend.

Follow these 10 car-buying tips to make sure you get a car you can afford and will be happy driving for years to come.

1. Determine your budget

While you may have your heart set on a specific car, you won’t be able to take it home unless you can afford it. A good rule of thumb is to spend no more than 25 percent of your monthly household income for all the cars in your household. And this figure should include not only monthly car loan payments but all other vehicle costs, including fuel and car insurance. If you’re not sure how a new car would fit into your monthly expenses, use Bankrate’s home budget calculator to help you determine your monthly bills and necessary savings.

2. Decide: New, certified pre-owned or used? Buy or lease?

Thanks to a large number of lease returns, a wide array of used cars that are about three years old is currently on the market, making buying a used or certified pre-owned (CPO) car more attractive than in recent years. In addition, there are more inexpensive new cars available than ever before, making your choices positively dizzying, regardless of your budget.

You’ll be able to get the most car for your money if you buy used, though you’ll pay a higher interest rate, have a shorter warranty period and won’t know the car’s full history. If you lease, you might get a more upscale car for your dollars, but then you won’t own the car outright and will need to be careful about the lease terms to avoid hefty penalties. A new car for the same amount of money would have fewer features, but you’ll also have a full warranty and pay a lower interest rate, and often you’ll get free maintenance and roadside assistance.

3. Narrow your choices to a few cars

Start by researching the cars that have caught your eye to see if they fit your budget. Visit automaker websites and independent automotive information sites to assess the features that are important to you, and note MSRPs (manufacturer’s suggested retail prices) and invoice prices. Check local inventory listings to see what is available in your area. Choose cars that would cost at least 5 percent less than your monthly budget to give yourself some room to cover operating costs, including gasoline, insurance, repairs and maintenance. Print out or electronically save web pages that have pertinent details. Don’t, however, rush off to the dealership for a test drive just yet.

4. Assess your ownership costs

Using your short list of cars, determine if each would fit into your budget by estimating ownership costs. An auto research website such as or Kelley Blue Book’s would provide a general overview of ownership costs for your area, but these numbers will vary depending on your personal situation. For better accuracy, do your own calculation for fuel based on the number of miles you drive annually, and obtain an auto insurance quote on the cars you are considering that would apply to the drivers in your household. Make sure you give the insurance agent the exact model, including trim level, engine and sometimes certain options, to get an accurate quote.

5. Secure financing — before you visit the dealer

Dealers don’t just want to sell you a car, but they want to coordinate the car loan, too. That’s because they typically receive a flat fee or a commission on the auto loans they facilitate, regardless of whether the loan is from the manufacturer or a local lender. So, secure financing from a bank or credit union in advance and compare it with what the dealer offers. Find current interest rates on Bankrate, and check with local lenders, including credit unions, which tend to offer rates that are 1 to 2 percentage points lower, on average, than conventional banks. Many community credit unions are open to anyone living in their area, eliminating the need to work at a certain company or in a specific industry to join. 

6. Don’t assume financing at the dealership is the best deal

While you may be drawn to a certain car or brand because you saw an ad for a low-interest rate, it’s of no use unless you qualify. Only about 10 percent of car buyers qualify for the zero percent or low-interest-rate deals automakers offer. Even if you do qualify, you may be better off taking an automaker’s cash rebate and obtaining financing on your own at a bank or credit union. To find your best deal, first, find the best interest rate you can get and then use Bankrate’s Car rebate vs. low-interest calculator.

7. Learn the invoice price

The research you did on independent automotive information websites should have included the invoice price (for new cars) or wholesale price (for used cars), as well as the manufacturer’s suggested retail price (for new cars) or the dealer’s asking price (for used). While invoice pricing on third-party information sites isn’t 100 percent accurate, it is a good indicator of what the dealer paid for the car, and it’s the best place to start your negotiation. Aim to reach an agreement on the sale price that is close to that number before any discounts are applied, and keep in mind that the dealer needs to make at least a few hundred dollars’ profit to cover the operating costs of running the dealership.

8. Research all possible discounts in advance

You’ve probably seen the ads promoting cash-back deals, and these incentives should be deducted after you negotiate the price. In addition, many automakers offer discounts to students, military members and even members of certain credit unions. These discounts can be stacked and can be combined with the cash-back rebates on the model. Check automaker websites for these incentives in their “Current Offers” sections.

9. Take your time with the test drive

When you’ve completed all your research, call the dealerships you want to visit and make appointments for test drives with the internet or fleet manager. You can find the name of the right person at the dealership website. By reaching out, you’re establishing a relationship with someone who might be less likely to try to strong-arm you into a deal if you decide you are ready to buy after the test drive.

Since most car shoppers these days keep their cars for five years or more, take your time with the test drive to make sure you really love the car. Don’t hesitate to ask for more time behind the wheel to ensure you like the driving experience, and spend time in the car while it’s parked to adjust the seats, experiment with the controls and determine whether passengers would be comfortable and your regular cargo would fit well.

10. Use smart negotiating strategies

When you are ready to make a purchase and start discussing a price, keep in mind all the discounts you’ve researched, and — for the moment — forget about trading in your car as part of the deal. You’ll do better if you negotiate the sale price of your new car and the trade-in value of your old car separately. Make sure you have already researched your current car’s value online so you’ll know whether you are being offered a fair price when a trade-in is discussed.

Once you’ve reached an agreement to buy, be prepared to say “no” to all the extras you may be offered. Instead, say “no” and do the research at home for whatever add-ons interest you, and contact the dealership at a later date to negotiate fair prices for those items. When you are presented with a sales or lease contract, go over all of the details carefully, making sure that you aren’t paying any unnecessary dealer fees and that everything you negotiated verbally is spelled out in writing.

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The auto industry is in the middle of a revolution, one where new and emerging technologies are steering the market. Such high-tech features are placing a tremendous burden on the typical vehicle’s 12-volt electrical systems and for this reason we’re seeing a new trend: cars equipped with 48-volt electrical systems. Not every new vehicle will feature such systems, but for those that do, there are strong benefits for manufacturers, consumers and the environment alike.

The Current Standard: 12-Volt Electrical Systems

Every vehicle’s electrical system is composed of a battery, starter and an alternator. Modern vehicles have 12-volt electrical systems, with the car battery serving as the center of that system.

Electricity flows out from the battery by means of the positive terminal through wires to power various components, including the starter. The starter stores a small amount of electricity to turn the engine, while the alternator helps keep the battery charged when the vehicle is running, by sending power back to the battery through the negative terminal.

Although 12-volt electrical systems have been the standard for decades, they’ve also been called upon to do more work in recent years, including powering water pumps and turbochargers, and to supply power to the computer, navigation and audio systems. As vehicles become more complex, manufacturers are exploring other options, including the 48-volt electrical systems.

Emerging Technology: 48-Volt Electrical Systems

There are two reasons why car manufacturers are planning for 48-volt electrical systems:

1) Such systems can handle more complex loads, including technologies related to autonomous vehicles.

2) Environmental benefits may be realized, through reduced emissions and improved fuel economy.

Suppliers such as Bosch, Continental, Delphi and Valeo are developing 48-volt electrical systems for manufacturers. These new systems will power such energy-intensive components as turbochargers, hybrid motors and stop-start motors, and supply electric power to the water pump, air conditioning, power steering and power brakes.

Does this spell the end of the 12-volt electrical system? No. In fact, future cars will likely run the two systems concurrently, with 12-volt systems powering the lights, center console, seats and windows, and 48-volt systems tasked with supplying energy for power-consuming components.

On the environmental side, 48-volt electrical systems will also allow manufacturers to transform some models into mild hybrids by replacing the starter with a 48-volt motor generator unit (MGU). Such vehicles would also gain a 48-volt lithium-ion battery pack and a DC-to-DC converter, creating the mild hybrid system.

A mild hybrid system utilizes both the gasoline engine and electric motor to power the car, with fuel savings of 15 to 20 percent possible. Like similar systems, mild hybrids offer another tangible environmental benefit: a reduction in emissions. In all, mild hybrids provide about two-thirds the benefit of traditional hybrids, but at just one-third the cost. Expect manufacturers to turn to such systems in an effort to meet ever-increasing federal fuel economy and emissions mandates.

Current Applications

You’ll currently find 48-volt electrical systems in a few models, including the Bentley Bentayga, which utilizes this system to power its electronic sway bars. While mechanically operated sway bars do a good job of reducing body roll in a turn, the electronic system is simply superior. That’s expected in a $230,000 super luxury SUV, but it’s only achieved with a 48-volt system.


Coming to a Car Near You

Most manufacturers haven’t said how and when they’ll implement 48-volt electrical systems, but you’ll be hearing about them, especially if you follow the major auto show and technology circuits.

For North American enthusiasts, upcoming auto shows in Los Angeles, Detroit, and New York may very well reveal where this trend is going regionally. The CES (Consumer Electronics and Technology) Show held in Las Vegas in early January should also provide some details.

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Is Auto Loan Refinancing Right for You?

Refinancing your auto loan means replacing your existing loan with a new one from a different lender. Your current loan gets paid off by the new lender and you start making monthly payments, hopefully, smaller ones, on the new loan.

If you think your credit has improved since you bought your car, you should look into auto loan refinancing. There’s a good chance you can lower your interest rate and end up with a smaller monthly payment. You might also be able to shave some time off the loan, or go the other way and extend the term of the loan if you’re having trouble making your monthly payment.

What’s the catch? There isn’t much of one: It takes some time, and your credit profile might take a slight hit when you apply for the new loan. However, know two important things:

  1. Most auto loans don’t have a prepayment penalty so refinancing won’t cost you anything.
  2. Submitting an application for refinancing has no application fees, and the funds become available quickly, often within a day.

Why you might want to refinance

The prospect of paying less interest or lowering your monthly payments are the main reasons to consider refinancing. Let’s say your current auto loan has a 10% interest rate, and you’ve been making payments for a year or so. Chances are, your credit has improved and you could now qualify for a lower interest rate, which could lower your monthly payments. If you simply went to your current lender and asked it to lower your rate, it would probably say no. After all, you signed a contract at a certain interest rate and the lender wants its money.

Lucky for you, in today’s competitive market, plenty of other lenders are eager to get your business. When you refinance, you simply go to another bank, credit union or online lender and show it how much you still owe, called the balance of the loan. It pays off your existing balance and creates a new loan; and you start sending your monthly payments to the new lender.

If you meet the requirements, refinancing your car loan for a smaller payment could allow you to put more into savings, investing or a home improvement project. Or you may be able to pay off your car sooner. All of these options are better than pouring your money down the drain by paying more interest than you need to on a car loan.

When refinancing your car loan makes sense

Refinancing your auto loan could be the right move for reasons other than your improved credit. Even if you’re satisfied with your current loan, it doesn’t hurt to see if you can save money on interest. It makes sense if:

Interest rates have dropped. Interest rates fall for a variety of reasons: a changing economic climate, increased competition in the banking industry, even regulatory changes. If interest rates are lower now than when you first got your car loan, refinancing is likely to lower your rate and could help you pay the loan off sooner. Or, it could save you money on interest. It only takes a few minutes to apply for refinancing and see if a new lender — a bank, credit union or online lender — will offer you a lower interest rate.

A car dealer marked up your interest rate. When you got your existing loan, the car dealer might have charged you a higher interest rate than you could have qualified for somewhere else. This often happens to shoppers who don’t check their credit score before buying a car. They are persuaded to take the dealership’s loan because they didn’t shop around for the best interest rates. But you can undo the damage by refinancing and getting a new loan at a lower interest rate.

You can’t keep up with payments. Maybe you got overexcited at the dealership and bought a car that’s really too expensive for you. You might be struggling to keep up with payments. Or maybe you’re facing unexpected financial challenges because of a job change or other circumstances. By refinancing your car loan, you can take more time to pay it off, and this will lower your payments. You should think carefully before taking this course of action: If you extend the loan term, you’ll pay more in interest over the life of the loan. That’s not optimal — but it’s better than damaging your credit by missing payments.

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What to Look for in a Home Warranty

Home warranty coverage can be a great way to protect your budget against expensive home system and appliance failures. However, a home warranty isn’t an insurance policy–it’s a service contract. It provides repair and replacement service on a home’s major components (such as heating, plumbing, and electrical) and appliances.
So how do you know if a home warranty is right for you?
Are you on a tight budget? A home warranty can provide reassurance by protecting your pocketbook. With a home warranty you can rest easy knowing that if a covered appliance or system breaks, you’re covered.
Are you selling your home? A home warranty can be a great way to help make your listing stand out against the competition.
Are you buying a brand-new home? If so, your builder may provide you with a home warranty for the first year. Many home warranty companies also offer special warranties for new homes. Check with your builder or real estate agent.
Are you buying a previously owned home? If the home you’re buying is not brand new, a home warranty is a great way to keep your likely over-stretched budget from breaking. With expensive appliances systems near or past their life expectancy, a home warranty might be a good idea.
Here are some tips to help you choose the best home warranty:
The Right Coverage Options
Basic plans often cover major home systems (heating, plumbing, electrical, kitchen appliances, and so on), while enhanced plans can add coverage for air conditioning, refrigerator, washer/dryer, and more. If your home has systems such as a pool, or septic system or well, look for home warranty companies that also offer these coverage options.
Look for a home warranty that offers multiple plans and customizable coverage that can meet your individual needs.
Available coverage typically varies by state and region for most home warranties.
Know What’s Covered
Look for a warranty that does not have age restrictions on covered appliances or systems.
You should understand that not everything is covered by a home warranty, for example, small appliances like toaster ovens and mixers are not covered. Nor are some structural modifications to your home. Make sure you read and understand your contract.
Requesting Service 24/7?
If your heater fails at 9 p.m. on Friday night you aren’t going to want to wait until Monday morning to place a claim. Some service providers have Saturday service so make sure you can request claim service around the clock, either online or by phone.
Make sure you choose a home warranty that allows unlimited service requests during your contract.
Repair or Replace Covered Items
A good home warranty will cover appliances and systems regardless of age or make/model.
A home warranty should replace your covered items if they cannot be repaired.
Having a home warranty can take the stress and hassle out of repairing or replacing home systems and appliances when they break down. Your home warranty company will also provide a contractor, saving you the time and energy of having to track down the right trades person for your needs.
To learn more about what a home warranty from First American Home Buyers Protection covers, you can view sample coverage for home buyers and sellers, or sample coverage for homeowners who are not involved in a real estate transaction.


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Quick Home Fixes on Daylight Saving’s Time

“Fall Back” time is coming. When it arrives on November 6th, we, in theory, gain an extra hour of sleep. If you’d like to spend that extra hour doing something other than sleeping, here are seven quick and easy home improvements, each of which you can complete in an hour to instantly add a fresher look to a home. Whether you’re a real estate agent or a home seller, these tips could just help sell a home more quickly. Don’t let that extra hour go to waste!
Paint the front door. Some homeowners actually paint their front door seasonally, but you don’t have to go to that extreme. In one hour you could tape off the external-facing side of a front door and add a fresh coat of paint. Adding an eye-catching color can help draw potential buyers to that front door.
Add new curtains. New window treatments, particularly curtains, always improve the look of a home’s interior. If you already have the hardware in the right place, you could put up new curtains in every room inside of an hour.
Rent a power washer. Using a power washer on an entryway, pathway, or driveway can immediately give the area in front of a home a newer, cleaner look.
Add plants. New seasonal plants or flowers placed in front window boxes and porch planters provide a splash of color and a sense of welcome.
Install a new faucet. Nothing brightens a kitchen or bathroom sink quite like a shiny new faucet. You can upgrade the hardware for a sink in an hour.
Trim a tree. A fresh haircut to trees in the front of a home can instantly spruce up a property. With a pair of loppers and a ladder, you can even out overhanging branches to give them a clean-cut look.
Touch up mulching. Applying a new layer of mulch over the old immediately improves the look of a yard at little cost.
Have your own one-hour home improvements you’d recommend? Let us know about them!


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Keeping Warm This Winter

Is your furnace or boiler on its last leg? Are you spending a lot more money than you’d like on heating your home? Keeping your home heated requires more energy and costs more money than any other system in your home, so taking the plunge for a new system might make sense. Before you decide, however, here are some things to consider.
Make Your Home More Energy Efficient
While it might be time to replace your heating system, you should first make every effort to improve your home’s energy efficiency. If you have a home that never seems to warm up no matter how much you run the heat, it is probably time for a home energy audit.
Adding insulation and reducing air leakage makes your home more energy efficient and can help keep you warmer in the winter and cooler in the summer. Don’t discount the impact that caulking and weather-stripping around your doors and windows can make as well. Sealing and insulating leaky HVAC ducts can also be very cost-effective.
Replace Your Furnace or Boiler
If your heating system is more than 10-15 years old, you’ll find many great energy-efficient options for furnaces and boilers. Modern heating systems can achieve efficiencies as high as 98.5%, which means that virtually all of the fuel is converted into useful heat for your home. Older furnace and boiler systems are only about 55-70% efficient, so only 55-70% of the energy actually converts to heat (and 30-45% of the energy is lost).
If you live where winters are cold, it makes sense to invest in the highest-efficiency system you can afford. In milder climates, the extra investment required to go from 80% to 95% efficiency may not be worth it.
Convert Your Fireplace
Most of us love our fireplaces, but they are one of the most inefficient ways to heat your home. And when not in use fireplaces are a major source of warm air loss–sending your heated air right up and out the chimney. If you crave the coziness of a fire, but would like more heat than a traditional fireplace can offer, consider adding a gas insert or an efficient wood or pellet-burning stove.
Today’s wood and pellet stoves are far more efficient and cleaner burning and can easily heat a small to average-size home. But wood smoke is a major source of pollutants, so some areas restrict the use of wood-burning stoves. Before installing a wood or pellet stove, contact your local building codes department or state energy office about wood-burning regulations that may apply in your area.
Gas inserts have come a long way from the purely decorative models of the past. They are efficient, clean, and super convenient: no hassling with wood or pellets, or cleaning out ashes. They are clean burning, low maintenance, and you can use a wall thermostat to control the heat output and maintain a specific temperature in the room.
No matter how you choose to heat your home, remember that properly maintaining and/or upgrading your equipment can help you save money. Make sure you regularly change any air filters, and get your HVAC system tuned up annually.


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Top Tips for Selling Your Home in Winter

Many people think the holiday season is the worst time to sell your home, but home sellers have several advantages to selling in the winter. If you live in an area where the market is hot, the time of the year may matter less than you think. Check with your real estate agent to see how long for-sale homes near you are sitting on the market.

Because many homeowners do not want to list their home in the winter, you’ll have less competition. In addition, buyers who are looking tend to be more serious and motivated. And surprisingly, some studies show that homes actually seems to sell quicker, and at a slightly higher price in the winter.

Here are a few tips for selling in the winter:

Decorate, but don’t overdo it. Avoid decorations tied to a specific religion or belief. Don’t crowd your home with distracting decorations. Opt instead for more general fall and winter decorations such as garlands and lights.
Price your home to sell. This is a good idea no matter what time of year, but price is especially important if you are a motivated winter seller.
Take good photos. In the winter buyers are much more likely to start their search by browsing listings on the Internet. Try and get some pictures of your home before the trees go bare and the grass is dormant, or find some flattering summer or spring pictures of your home and yard.
Keep up with the yard maintenance. Remember, your yard is a crucial part of your home’s first impression.
Add light. Buyers love light bright rooms, which can be a challenge with short winter days. Turn on all of the lights for showings, and consider adding floor lamps or table lamps, or using brighter bulbs to show your home at its best.
Make it cozy. A warm house is a cozy house, so make sure you keep your thermostat set appropriately for daytime showings. If you have a gas fireplace, turning it on can also be a nice touch.
Get your home in tip-top shape. Consider having your furnace/HVAC system and roof inspected. Clean gutters, change filters, and perform other winter maintenance.
Be flexible. Winter is a busy time for everyone, and everything from personal commitments to unexpected storms can interfere with showings and open houses.
Remember, someone will always be looking to buy a home.


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Plumbing Maintenance Tips

Performing basic maintenance for the plumbing systems in your home can go a long way to preventing bigger issues from erupting. Here are eight DIY maintenance tips that can help minimize the number of trips to your house from your plumber, particularly if your home has experienced plumbing problems in the past.
Fix leaks and clogs immediately. Plumbing issues like these can quickly turn simple repairs into expensive ones and/or lead to water damage and unhealthy mold or mildew buildup.
Use non-toxic drain cleaners. A solution of baking soda and vinegar can clear most minor drain clogs.
Keep drains object-free. Install properly fitting drain screens and sink stoppers to prevent food, hair, and other things that can stop up pipes from going down the drain.
Learn what your disposal can eat. Not everything can be chewed up by the kitchen disposal. Check your manufacturer’s manual for specifics, but as a general rule, never put cooking grease, coffee grinds, egg shells, pasta or rice in your disposal.
Plunger buy the right tools. Be sure you have a plumber’s wrench in your toolbox as well as a sturdy plunger.
Know locations for all shut-off valves. Your home’s washing machine, sink, toilet, and water heater all have shut-off valves. Know where they are as well as your home’s main water shut-off valve and any outside clean-outs.
Prepare for the season. Before winter, inspect the insulation around the pipes under your house, in the basement, and in the garage. Proper insulation helps keep your pipes from freezing and bursting.
Schedule regular plumbing checkups. Consult with your plumber about a schedule for the routine maintenance needs for your home’s HVAC system and water heater. Also schedule a snake of your sewer lines via your home’s clean-out at least every two years to keep pipes free of clogs and buildup.
Remember: your home’s plumbing has a tell. When you spot one of its tics, like a leaky faucet, water on the floor around a dishwasher or refrigerator, or mildew around a sink, shower, or tub, don’t hesitate to act. It’s a sign that you have some maintenance to do.



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