January 12, 2023 • 36 mins
Special guest Ashley Williams with First American Home Warranty joins us to discuss home warranties. Ashley talks about the common misconceptions of Home Warranties, and how they actually work to help save you thousands on home repairs. We discuss how home warranties are different from homeowners' insurance and how they work together.
Ashley Williams
First American Home Warranty
336-482-6034
awilliams@firstam.com
Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.
Jeff can be reached at
Email - jeff.cunninghamrealtor@gmail.com,
website, jeffcunningham.mysalecore.com,
Facebook,- https://www.facebook.com/jeffcunninghambroker/
Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,
Gina can be reached at,
Email: gmilloway@traidmortgagellc.com
Web: https: https://www.ginamillowayloans.com/
Facebook - https://www.facebook.com/mortgageswithgina/
Office -336-290-1891
NMLS Consumer Access: https://nmlsconsumeraccess.org/
Privacy Policy: https://www.ginamillowayloans.com/privacy-policy
Triad Mortgage is an equal housing lender
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:02):
Hey, and welcome to the podcast.
Let's get moving with Jeff andGina, where we discuss all
things fine selling in financingreal estate.
I'm Gina Millway, your localmortgage advisor, and this is
Good Morning.
I'm Jeff Cunningham.
I'm your local real estate agenthere in Greensboro, North
Carolina.
We call this the Triad and I amwith United Realty Group here
right downtown in just aboutdowntown Greensboro.
(00:24):
So welcome everybody, and wehave a guest today.
Yes, we do.
We have a guest, so we arerecording this on December, what
is today?
The 20th.
We're keeping up on theChristmas holiday.
Mm-hmm.
And we are gonna be discussingall dean's, home warranties.
Home warranties with our guest,Ashley Williams.
(00:44):
Yes, absolutely.
Welcome, Ashley.
Thanks.
Thank you for having me.
Absolutely.
Ashley, we, we love talkingabout insurance, really anything
that goes along with the homebuying process and, and journey.
And you know, we, we, we, youare essential here in today's.
Thank you.
Yeah.
All right.
So Ashley has been around theindustry about the same amount
(01:07):
of time that I have.
And Ashley, tell us a little bitabout yourself.
Yes.
So Ashley Williams, firstAmerican Home Warranty.
I've been in the business aboutfive years.
Prior to that I was a stay athome mom, so it was just a
blessing to come into thisindustry, come into the real
estate community, which.
Eagerly jumped into and and I'mhaving a blast with it.
(01:28):
So I really enjoy what I do.
Real estate community is just afun, fun group of wonderful
people.
Yes, it is.
Yes, it is energetic to say theleast.
But yes, there's alwayssomething going Well, it it, you
know, we, we, we always like toknow about our guests a little
bit.
So so, so not say you're evergonna step outta motherhood.
(01:51):
Yes.
But stepping back into so andso, the corporate world, How did
that transit transition happen?
Oh, it was fantastic.
Well, my kids, my, I, I have atwo 10 year old twin girls and a
13 year old son.
But back wow.
Five years ago or so, my, mydaughters were getting out of
kindergarten and I was lookingto, you know, step back into the
sales in sales world.
(02:12):
I was a manager of a staffingcompany.
14 years ago.
Mm-hmm.
So so they were getting intokindergarten.
I was looking for a full-timejob and it just kind of fell
into my lap.
I had a head hunter who hadreached out to me from for this
warrant warranty company.
It's a different, one of'em werewith now, but another warranty
company.
Their president, I had known himin a different, in a different
lifetime.
And so they reached out and itwas really just a blessing.
(02:34):
Mm-hmm.
It was, it was exactly.
Well, I'll tell you what, Ididn't think so at first.
Cause I was like, how, what theheck is a home warranty?
How am I gonna sell it?
It like boring thing.
It sounded so boring.
I actually, yes.
I actually turned it.
At first, cuz I'm like, I don't,I don't wanna do that.
I didn't believe in thewarranties.
Wow.
And then two weeks later theycame back and I was like, well,
(02:54):
yeah, let's, let's, let's, let'sdo it.
And best thing ever happened, soyeah.
Yeah.
You would've asked me five.
Years and six months ago, if I'dbe selling home warranties, I
would've laughed at you in theface.
And to be honest, you know, I'llbe honest, it took me, once I
was in the job doing it, it tookme a good three or four months
(03:15):
to really understand how itworked.
So I still had those doubts inmy mind.
I, as I'm sure a lot of otherpeople do, when they don't
really understand how they'llwarranty, warranty.
True.
Yep.
True, true.
You know, and not to, not tostep outta line, but but yes, I
mean, you know, we, you know,we're always buying cell phones,
we're always buying appliances.
We're always buying this, that,and the other thing.
(03:36):
And and, and, and, you know,and, and when I was married, I,
you know, the first thing I'dsay was, you know, Hey, we're
not buying a warranty.
We're not, we're not gettingthat, we're not paying an
additional 2, 3, 5, whatever.
We're just not doing it.
If we need it, we'll get arepair to do something like
that.
And I'm, I'm the person to say,I don't get a warranty either.
You, I would, you're, you sellme a car, I'm not getting the
warranty.
(03:57):
That's, you know, I'm not doingit.
I'm the person that.
But there's a difference.
There's a huge difference in ahome warranty because,
especially from the one that'sgoing through a real estate
transaction, when the homeowneris going into a house that they
don't know anything about andyou do hold the due diligence,
you're getting the homeinspector in there, you're
looking at things.
Yeah.
But that new homeowner is usingthose systems differently and
(04:18):
they, they break, I mean, 40, Ithink it's, I can't, I don't
wanna lie, it's in between 30and 40% cuz it did recently
change and I don't remember whatit was.
Of our clients file a claimwithin the first 90 days of
their hermit.
Wow.
So it's, so things do break.
Wow.
And, and it's not, yes, it's notanybody's fault.
It's not the inspector's faultcuz he missed something.
(04:39):
It's just life.
Mm-hmm.
And especially now when peopleare their home, using those
systems a lot more.
So it's really just a, the wholewarranty is so important.
For a first time home buyer oryou know, somebody going into a
new to them home because it doesit, it helps save money, and
that's the bottom line.
It helps save money.
Yeah.
What's the difference?
(04:59):
There's a difference betweenwhen you check out at Lowe's and
they ask you if you want awarranty on a.
Cord that you, you know, a$10cord.
It's like everything you checkout that's electronic, they ask,
do you want a warranty?
I'm like, it's a five.
I You mentioned that though.
But there is a cord, I can'tremember.
You can buy'em at stables, but Iknow it's gonna die in three in
(05:21):
three months.
And they always sell you thatwarranty.
Hey, it's gonna last for threeyears and I never do it.
Not exactly what we wanna workthis dude.
But But no.
Anyway, the home warranty is, isis a li it's, it's a lot
different than that.
And not only is it there to savemoney for clients, it's really
risk reduction too for, foreverybody involved in a
(05:42):
transaction.
Yes.
So that's why it's there.
And if you look at the the offerto purchase.
It's in there.
I don't know what line item itis, but it's like, you know,
it's several pages down.
Yep.
But it's like, it is a homeworkgonna be provided.
And the reason why is becauseinevitably something,
something's gonna happen andthere needs to be some, some
liability.
(06:03):
For it.
You know, some, at some, youknow, it's, there needs to be
somebody to be able to help withit, you know, A homer sense.
Yes, yes.
Well, it, it, it, it's beyond,it's beyond comfort.
Like you said, it, it, it, it,it is a, it is a, it is, it is a
risk you know, aversion tool, ifyou want to call it that.
But, you know, at the same timeyou know, it's, Terribly
(06:24):
expensive in the grand scheme ofthings, which is, you know, a
lot of what I, you know, reallytry to get across, especially to
my first time home buyers is,you know, hey, you just spent
$250,000 on.
You know, a home that you'vebeen saving up for and working
this investment in your lifefor, you know, a period of time.
(06:46):
So again, an additional$650 isabout average that I see.
And, and, and again I certainlydon't want to insult anything as
far as your pricing goes.
But, you know, a standard, youknow, between six and$700 for a
year's worth of coverage to makesure that your, your water
heater works.
Make sure that your stove'sworking, make sure that the
micro microwave is working theway it's supposed to.
(07:08):
And, you know, and some of theother aspects of of the home
that we will talk about, whichmay or may not be covered but
some of what we had justmentioned, you know, again, You
know, a new refrigeratornowadays used to be what?
A new car cost.
Yeah.
You know, 15, 20 years ago, somaybe you may have to wait six
weeks to get it right now.
Oh yeah, exactly.
(07:29):
Not to mention.
Absolutely true.
So so yes, it, it's not onlyimportant that, again, we do
have the.
Home warranty that's say, put inplace, or at least we discussed
that, but that we also discussedit with the right company and
the right individual who cantell us a little bit more about
that at the time when wepurchased that warranty itself.
Yes.
Right.
And the good thing about thewarranties is, especially when
(07:52):
you're purchasing it, is thatthat initial policy.
May be able to be paid for bythe seller, so it may not cost
you anything outta pocket, sowhy not ask?
Mm-hmm.
and at least, yeah.
Well, so here's the thing.
You know, we're coming out ofthat.
We're evening out of thatseller's market.
We're no sellers, were, therewere no seller concessions.
There was nothing, you weren'teven talking about.
But Nellie, we're starting toeven out, we're starting to see
(08:12):
a lot more sellers, you know,but buyers are asking for the
warranty.
They're asking for closingcosts.
They're asking for things.
Yes.
And you know, one of the, like,these are big ticket items that
we cover.
The, the warranty covers theHVAC system.
Mm-hmm.
I mean, especially with pricesas high as they are now.
Two years ago, prior to 2020, ifyou'd asked me what the average
cost to replace a HVAC systemwas, it was about five to$6,000.
(08:33):
Now we're looking at eight tonine.
Yeah.
So, Yeah.
So so when you're, when buyersnow, if they're looking at a
house and it's an older HVACsystem, but the inspector, they
have the, the HVAC guy come andcheck it.
It's in good working condition.
It's just 20 years old.
You know, that home inspector'sgonna say, mm-hmm.
this thing is beyond its lifeexpectancy.
I hear that all the time.
And that's a mm-hmm.
(08:54):
marker for buyers.
Mm-hmm.
But the home warranty can comein.
save the day and then save thosebuyers if something happens to
it down the line.
So it's huge.
Yes.
And, and you know, one thing,not all, one of the myths about
home warranties is that they'reall the same.
They're not.
They all have mm-hmm.
different.
they're all, they're allintended to save money, but they
all have different specialties.
(09:14):
So that's one of the thingsthat, you know, homeowner needs
to consider when they're lookingat home warranties.
But one thing, one thing youwanted to look at is the and I
know I'm kind of jumping allaround you guys, I can talk
about home warranties all day,but I can, I mean, it's just
that I, I, again, three or fourmonths into my job doing this
and I.
Wouldn't have told you, but nowI, I know how they work but but
(09:38):
you know, and I lost my train ofthought cause I'm all over the
place.
But it's, well, you're talkingabout having the right, the, the
right home warranty.
The right warranty, yes.
So you wanna look at caps, youwanna look at how much that co
that policy is gonna cover.
You also wanna look at what if,if, what happens if, if, if it
can't be fixed, you know, is thehome warranty gonna mm-hmm.
Company just gonna give out apayout based on the age of the
(10:00):
system, or they can replace itright.
You know, the parts and laborand, and are they gonna place
it?
So those are some interestingand very important questions
that need to be asked.
Yes, yes, absolutely.
And, and, and, and as we talkedbefore, we, before we came on
the, here here, who would we beasking that information or who
would be asking?
Who would we inquire?
Yeah, well definitely the salesrep that the, the home warranty
(10:22):
rep.
You know, here's the thing,okay.
Real estate agents, you guys aredoing your job.
You're doing work in your magic,you're doing the negotiations.
I think you know, all warrantyreps.
All we want is you to just putour name out there, put their
name in front so that we canexplain it.
Mm-hmm.
I think the biggest thing abouthome warranties is the
misconception that they, thatthey, that they cover everything
(10:43):
100%.
And there's no out marketexpenses, you know, that, that
it's just the end all be all.
And there are limitations.
Mm-hmm.
there has to be limitations.
You know, I mean, we'd go out ofbusiness.
So asking, you know, having put,have the home warranty rep, talk
to the, the buyer so that theycan set, you know, they can,
they can make their, theirdecisions, but at least in front
(11:05):
to make, you know, if they, ifthey want it or not, or which
company they wanna go with.
It's so important.
Absolutely.
And, and, and as you mentionedearlier, I think it was
absolutely proper setting thoseexpectations for, you know, not
to say that something's gonna gowrong, but in the case that
something does go wrong, whatare those expectations?
So explain if you would just alittle bit about you know, any
of the repairs or the mostcommon, now you mentioned hvac,
(11:28):
of course.
You know, and I'm sure waterheaters are going left and.
But how about appliances?
Like, oh yeah.
Washes and dryers and thingslike that.
I mean, are we coveringeverything in the house?
So, you know, with, with, and Ican't talk about every home
warranty, but with mine we havelike a good, good, better, best.
Mm-hmm.
And it's kind of like any kindof insurance.
You know, you've dentalinsurance, you've got a good
policy, but you've got a reallygood policy.
(11:49):
And it just depends on the levelof coverage.
So our basic plan, we coverplumbing, electrical, all the
appliances except for thewasher, dryer fridge.
And we cover the, the h.
A right.
Adding to that, you would put anupgrade, which covers it covers
some bringing things to code.
It covers builder's permits, itcovers, you know, kind of the,
the, the bells and whistles.
(12:10):
So it's, it covers mm-hmm.
recapture, reclaim, and, and.
Disposal of refrigerant as wellas disposal of protective
equipment.
So it's a really good option toadd that upgrade, but the best
plan covers all of theappliances, including the
washer, dryer, fridge, andincludes that upgrade.
So I'll give you, well, I reallycan't talk numbers, but if you
(12:30):
have, you know, one of theexpectations is that it covers a
hundred percent and that's justnot true, especially with hvac.
Mm-hmm.
HVAC coverage, we will coverparts and labor and depending on
the plan mm-hmm.
we'll cover a certain amount ofthose non-covered costs.
So so you, the better plan youhave, the more that we cover we
also, but plumbing, electrical,appliances, cooling and heating,
(12:50):
it's the acronym of Peach.
That's typically what a homewarren he will cover.
That includes ceiling fans,exhaust fans attic fans just
garbage disposal, garbage trashcompactors, I mean anything
basically that you can turn onand off with a switch in your
home.
Wow.
Yeah.
This sounds like a goodcombination to add with your
(13:12):
homeowner's insurance becausehome warranty and homeowner's
insurance are very different.
Yeah.
Things.
Mm-hmm.
and I've had both.
I've had you know, a warrantywith First American.
And when we bought our house,cause our HVAC system was.
Was older and we actually usedit a few times.
It was very easy.
They came out, you know, they,they took care of it.
And it saved us a lot of moneyon those repairs where the
(13:35):
furnace went out.
Back to the homeowner'sinsurance.
Yeah.
So I don't think a lot of peopledon't realize that your
homeowner's insurance will coverthe damages from the incident.
Yes.
They don't cover to repair whatThat's right.
Happened.
So like we just had a water leakin our house.
Homeowner's insurance coveredeverything that the water
touched damage to replace it.
(13:57):
but they wouldn't repair, whichmakes absolutely no freaking
sense to me.
Because you think they wannarepair the thing that's causing
you damage, but they don't.
Yeah.
They didn't repair the, thehose.
Yeah.
The plumbing that caused theleak.
We, that was our, out of ourpocket.
Yeah.
Huh.
And I think that's gonna go toanything like a water heater,
the water heater, word ofmalfunction, and, and spew water
all over your house and fledgeyour house.
(14:17):
They're gonna cover thosedamages, but they're not gonna
cover that water heater.
Huh.
Whereas a home warranty.
So we actually work in Tand.
Wow.
The big huge misconceptionthere.
Myth that they're one in thesame.
They're totally differentwarranty covers.
Mm-hmm.
what breaks, and we'll coverwhat fails, but we don't cover
secondary damage.
That's where the, the where thethe Yeah.
(14:38):
Sure.
Insurance comes in.
And I give you a really goodexample of that.
I lived in an, an old, beautifulold home with the cast cast
iron.
Pipes in my ceiling furnaceevery year in the ceiling.
Old, it was like a hundred yearsold.
Every year we turned on thatfurnace.
There was a leak.
So beautiful mold crown molding,you know, 12 inch molding,
(14:58):
plaster ceiling, plaster walls,ruined, but quite, you know,
huge expense for that pipe.
Mm-hmm.
Joe, Joe Schmo, plumber couldn'tcome out and fix it.
There had to be a mechanicalplumber, but more take, took
care of that pipe.
So that's huge.
Wow.
But they didn't take care ofthe, you know, for me to fix the
molding.
That was, that was my expense.
(15:19):
Yeah.
And it wasn't enough forhomeowners to to come in.
I was, I had to get the handymanto come in and fix it, but yes,
that's the big difference.
Yeah.
And so again, we cover themechanical systems home.
Home insurance we'll cover,cover like acts of God flood,
lightning, you know, things ofthat thing, theft, all those
things.
Excellent.
(15:39):
Excellent.
Yeah.
Well, no, I, I love the ideaagain, working in tandem, you
know, the two products together.
Cuz yes, I, I, I, you know, Iguess luckily enough, haven't
had to use any insurance.
On my home that yeah, we'll,we'll cover the damage but won't
fix the problem.
So yeah, Gina, and I guesslayman's term that really sucks.
But but again, using these twoproducts or using an insurance
(16:02):
along with the home warranty,again, I, I is, is again, risk
avers.
It'll help you in the law.
Absolutely.
Absolutely.
Well, before we go in forAshley, we didn't even, we
didn't even mention this, but ofcourse you're with first
American and, and how do we getin touch with you?
Yes, well, I can well look, Itell you my phone number is(336)
(16:22):
482-6034.
My, Email address is a Williamsfirst am.com.
First am for Americanfirstamerican.com.
Yep.
First am.com.
Yep.
And I'm very responsive.
So if I don't answer the phoneright away, it's because I'm
doing something like this, apodcast, but I always return the
phone call right after, so,Fantastic.
(16:45):
And, and of course we lovehaving you on.
We love having guests.
But at the same time Gina willinclude your contact information
of course down below.
So anybody who needs to get intouch with you, Ashley,
absolutely.
And thank you so much for, thankyou so much for just clearing up
a couple of those misnomers.
You know, again, this is, thisis kind of, this is kind of
cool.
It's, well, that's my job.
(17:05):
It's setting right expectation.
Yeah, absolutely.
If somebody were buying aquestion on that, somebody were
buying a new home, is thatsomething that you would Great
question.
Yes.
Yeah, we have, so builders are,you know, by law in North
Carolina, they're supposed tobuy, they're supposed to have a
a one year builders warrantythat just comes with the house
and mm-hmm So we do happen to docons.
(17:27):
Warranty that covers years.
It actually can covers years onethrough four or two through
five, but it's four years andit's for such a small amount for
the, basically the same, just alittle bit more than a one year
home warranty for an older home.
It'll cover all four years forthat, for that price.
It's amazing.
I've seen some talks lately.
(17:47):
Like I, you know, mean I love myTikTok.
I don't think Jerry's on TikTokyet, but I love my TikTok.
I do too.
I love it.
So I love it.
But you, I get those videoswhere you have home inspectors
going into new construction, newbuild.
and these are not two housesthat they're going into?
No, these are 4, 5, 600, whichin this area is a, you know,
(18:08):
decently priced house.
There's some pretty shockingthings that they come across in
there.
Yeah.
That would make me a littleconcerned and mm-hmm.
this past year has beendifferent for, I think everybody
with supply chains and lack ofinventory of staff.
And yeah, so I think I wouldprobably have a little bit of
concern buying a new a new buildright now without one.
(18:30):
Yeah, yeah.
Well, like you said, yes.
You know, following, followingthrough with your builder, you
know, for that first year andkeeping your checklists in
place, keeping all of the phonenumbers and all the contacts in.
Because again, it's not as easy,glamorous, however you want to
put it as, as anybody, alwaysmakes it out to be.
(18:50):
You know, again, you need tocontact the right people.
You need to make the request ontime.
You cannot, in general go pastyour expiration date without
incurring significant cost.
So, so, so, I, I totally agreewith you, Ashley.
If, if you can go ahead and geta bunch.
It's, you know, amazing productor a program out, out there.
And again, it's like buying anew car.
(19:11):
You're granted, you're not gonnaget a huge break on your car
insurance, but you know, again,you might have that again, need
to use some sort of warranty inthe first three to four years.
And, you know, having that paidfor it is, is, well, here's the
thing, and it's, I'm not, youknow, Yes, I know, you know,
building house right now, I've,I've spoke, I've got several
builder friends and, and they'reall stressed out.
(19:32):
This, like, this is, they'restressed.
Oh, yes.
It's hard to find your help.
You know, there's all that, butalso the mechanicals, you know,
they don't make, I mean,refrigerators, they don't make
'em, they, they don't makeandthat has, first of all, I just,
that does have something to dowith the supply chain, because
these manufacturers are justwhipping'em out as fast as they
can.
Yep.
And Yep, they, they're not, theyare hunks and junk.
(19:55):
And yes, having that warranty, Icannot tell you how many times
we've saved people.
Thousands of dollars.
Thousands of dollars, yeah.
Yes, yes.
And necessarily so.
I mean like, like I said, itjust the cost of refrigerator,
you know?
I mean this three,$4,000 for arefrigerator and, and yeah, the
lifespan.
(20:16):
Certainly not what it used tobe.
Not at all.
Not at all, I tell you.
All right.
So what would you if if you had.
A list of questions that say anew homeowner or a new buyer
would ask of you know therealtor and of course you on the
team as well as, you know our,our, our lender Jean on the team
(20:38):
as well.
You know, what questions wouldyou recommend that we ask, you
know, while we're in that whilewe're in that process?
Again, it is, we we're shiftinga little bit, you know, we're
getting away from the seller's.
Just a little bit.
They still hold most of themarbles, but you know, again,
what, what could a buyer beasking, you know, as far as an
expectation would go?
(20:58):
Something that in, in yourrealm?
Yes.
Of the process.
So the biggest thing I think, islooking at the caps.
So the cap is what the warrantywill pay out at the most.
Per item.
So, okay big ticket items.
With US hvac, we don't have acap.
So that, what that means, whatthat means is, is that we will
cover, there's no limit to theamount that we'll cover for
(21:19):
parts and for labor.
Now, again, with the HVACreplacement, this is the
misconception.
A lot of people will think, oh,I'm gonna give a brand new HVAC
system for free.
You know, just pay the$85service.
And get it for free.
Now we cover, again, parts andlabor, but not, you know, not
all the modifications.
Again, you get that good,better, best policy, get the
best.
We're gonna cover more of thosemodifications.
(21:40):
But there are out-of-pocketexpenses, and that's what it
takes the technician to put thenew equipment into the old
house.
But we will pay for thatequipment, we will pay for that
labor, which is the labor is themost expensive.
Sure.
And we will pay, depending onyour level of policy for some of
those modifications.
But the cap is very important.
One of the, an an example in, inthis territory, this isn't true
(22:03):
for all territories.
The North Carolina NorthCarolina state law says that if,
what if like the outside unitgoes out, but the inside unit's
still working, if you have toreplace the outside unit, you
still have to replace the insideunit or you know, they have to
be compatible.
So one dies.
You have to replace both.
A lot of warranty companies willonly cover the one that failed,
but the homeowner has to coverthe part that didn't.
(22:24):
Mm-hmm.
we cover both.
We cover both parts.
Okay.
So that's huge.
So you wanna look at those?
You sure those are, when, whenit's about warranty, look at the
big ticket items.
What, what are, what's gonna becovered, what's not?
Also look at the cap, the capsof the appliances.
Some warranty companies outthere will cover$5,000 for all
of the appliances.
You know, maybe you don't haveto use that, but you know, we,
(22:45):
we, we have a higher amount perappliance.
So sure.
You know, caps are very, veryimportant.
Also, you wanna look forcoverage for rust, age and age,
rust and corrosion.
You want all three of those,not.
age and, and not just age,because if there's, sometimes
you'll see in the little fineprint the rusting, corrosion.
(23:09):
that could mean a denying claim.
You wanna look for age, rest,and corrosion to be, to be
covered.
I mean, if you have somethingthat's old, it's gonna have to
have a little rest, you know,especially when you're looking
at that outside vac system.
So those are, those are somebig, big things.
Another one is, what's gonnahappen if that system fails and
it can't be fixed?
Are they, are you gonna get acheck for the you know, the
(23:32):
value of the, of the, of theequip?
At its age, at at today's time,you know what, what would that
pay out be or, mm-hmm.
are you gonna get it replacedwith a brand new item?
So those are the big things thatI would ask.
Okay.
Excellent, excellent.
And and, and most of these Iwould assume have some sort of
(23:53):
deductible.
Yes.
Well, it's not really called adeductible, it's called a
service fee.
And so any time a techniciancomes out, you just pay, you pay
a service fee that's gonna varyfrom state to state, from
warranty configured warrantycompany.
But it's nom.
and depending, so like, say it'syour dishwasher, you pay that
fee that one time.
If it can be fixed right thenand there, they can fix it.
If not, they order parts tobring it in.
(24:15):
If it can't be fixed for us,we'll replace it.
There's no other, any othercharge.
Typically for an appliance,again, there's gonna be
out-of-pocket expenses for yourbig ticket items, like the water
heater, the hvac but again, wecover parts in light.
Sure.
Okay.
And, and, and we did touch onthis earlier, so working this in
conjunction, if you do have aclaim with your insurance
company do, do, do you recommendwe start one way or the other
(24:38):
with the insurance companyfirst?
Because, you know, again,speaking to a lot of first time
home buyers.
Yep, yep.
You know, typically yourappliances are not covered under
your, you know, quote unquotehome insurance.
You know, but, like, like wementioned you get a dishwasher
upstairs, whatever, and it itbreaks floods downstairs.
Your insurance company will takecare of the damage per se, but
(25:01):
they're not gonna repair.
Right.
You know, again, what caused thedamage?
So.
Do you recommend any?
It, does it matter which way wego first, whether we talk to the
insurance folks or talk to, itdoesn't matter.
Just make sure you file a claimand, you know, we need to have
the claim filed and then we'llgo from there.
But and, and we work in tandem,so you know, if, if, if floors
need to be replaced, all that,you know, we are, we are just in
(25:22):
the background.
I've got a service partner whostays on top of things.
You know, she'll do a check-inbased on, you know, what, you
know, what's going on.
She'll do a check-in with thehomeowner.
And until everything's ready,then we're ready to go to, to
back up the homeowner.
Excellent.
Excellent.
Well, that's great.
That's, that's, that's some goodinformation there.
(25:43):
What you got, Gina?
You got, you got a question fromMs.
Ashley?
Brianna I don't have a questionper se.
I would just like to, you know,couple things I wanted to point
out that, you know, we talkedabout as the plans and the
pricing is, you know, onceyou're past that initial plan
where maybe you paid it at theclosing table, the seller paid
it, you can, you know, my, myunderstanding, you can continue
the plan and.
It's, it's actually on a monthlybasis.
(26:04):
Like you don't have to come upwith that lump sum all at once.
Is that still correct?
That's correct.
Yep.
It's renewable and second yearcan be monthly.
Yep.
Yeah.
So that makes it super easy.
So you don't have to come upwith a, a chunk of money at
once.
It's, it's paying it out betterthan paying for the repairs on a
hvac, especially duringwintertime when they all go out
and they're super busy to yourhouse.
(26:26):
Yeah.
So that's, that's good.
It just gives you a little safeof mind and I.
When we made our claim with thewarranty company, it was super
easy.
We just went online and filledit out.
We paid our deductible.
It was like, and this has been awhile, so it's probably changed.
I don't wanna quote maybe 50,$75or something like that.
But, you know, they, they cameout, they had to order parts,
(26:48):
they had to come out again andreplace it.
So, I mean, that's without, itwould've been.
four or$500.
Well, I mean like one of thebiggest, one of the, I, I see
this claim a lot, but you're theblower motor.
it, it goes out.
Mm.
And it's a simple repair, butyou know.
Mm-hmm.
again, we're talking about 20,22 prices, that everything is
(27:09):
just gone.
Outrageous.
So that blower motor, whereasbefore it might have been 250,
and again, it de depend, itvaries by technician.
They're all over the place, 250to$500 repair.
Not to mention, you know, the,the labor of it, but just the
part itself now that's likedouble, triple, the.
(27:30):
So that's what we, that's whatwe, that's what we take on.
So, well, and I don't know ifthis is something that would've
been covered cause we don'tcurrently have the home
warranty, but so we just, we, wejust recently, we just recently.
And so the plumbing, the spigotthat Went out.
I mean, it's a, it was a supersimple fix.
(27:52):
It was easy.
It wasn't, you know, you didn'thave to tear out the walls.
It was accessible, but it was ona Sunday.
Oh yeah.
Mm-hmm.
And the, to come out on theweekend to fix it was going to
be almost a thousand dollarsfrom a couple companies.
Mm-hmm.
because I was like, are youkidding me?
Yeah.
Like, it's literally like asuper quick job.
(28:12):
It's literally like$10 inmaterials.
Yeah.
I, I was like, I, that told myhusband, I said, I will, YouTube
plumbers are very expensive.
Before I pay a thousand dollars,I will YouTube repair this
plumbing and do it myselfegregious.
So it, it can get really, reallyexpensive.
(28:34):
And you know, for those, I'm,I'm lucky.
you know, myself and my husbandare both pretty handy, so we,
you know, can do a lot of thingsourself, but you know, if you
don't have the aptitude to dothis or do things for yourself,
it can really become, it can addup.
The cost can add up.
Yeah.
Yeah, yeah.
And, and, and, and, and truth betold, and, and staying on that
(28:54):
thread right there, you know, alot of millennials in the past
couple of years Learned thatlesson.
You know, they are the largestbuyers right now of, of new
homes or, or, or new homepurchases.
But yeah just the fact that, youknow, if something does go wrong
you know, millennials I, I don'tknow if that's something that we
have, created that in thatgeneration, but you know,
(29:15):
they're used to calling people,they're used to getting stuff
fixed.
So like you said, as a newhomeowner, it's great if you
know how to drive a nail or usea screwdriver or use a power
tool.
But you know, for folks thatdon't you know, again, I would
have to say a home warranty iscertainly.
Right up there out.
Let me give you an exampleactually.
So you have a toilet leak andit's something, something as
(29:39):
simple as, well, it's not simpleto me, but it's an easy fix for
a plumber.
Mm-hmm.
The, the, just, you know,replacing that ring, the seal.
Ring.
Yeah.
And if you called, if you calleda plumber like Gina, you were
saying the thousand dollars on aSunday afternoon.
Well that's, that's theemergency fee, everything, all
that.
But you call a plumber and it'sjust a hundred dollars just to
(30:00):
go out there.
You know, just to go out there.
Yeah.
To the hou, to the home, andthen they've gotta do that.
Mm-hmm.
you're super expensive.
You're with a warranty companyand you pay the nominal service
fee and that plumber's gonnacome out there and do that job.
And it's so much, it's so much.
It's, it's.
It's so much more savings thanif you were to call a plumber on
(30:21):
your own And I've been there.
I've been there.
Yes, I've been there.
I have called the plumber on myown and been just mortified.
I'm like, you were here fiveminutes.
Yes.
Yep.
Yep.
Hundred$60.
You know.
Oh, yes.
But I mean, that's, that's,that's a good five minute charge
right there, you know?
And I question'em.
They say, yeah, ma'am, we chargeyou a hundred dollars just to
(30:41):
get out here.
I, that's a quote from theplumber, Oh, yes, yes.
Well, sticking on, sticking onplumbers and Gina, I think we've
covered this one time I had anexterior leak on my supply line
coming in.
and same thing, it was justbefore my my, my son's Covid
wedding.
So everybody's coming over tothe house, you know, and, and
(31:03):
all of a sudden we've got thisleak that's coming up outta
nowhere and call the plumber.
And he's like, yep, all right,so where do you think it's
leaking?
And I'm like, well, God, youknow, there, here in North
Carolina, you know, we.
We've got clay that we deal withand, and water will take the
path of least resistance and,and any, in any, you know soil
(31:24):
Anyways, he said, well, you'regonna start paying, and that's
why I use that$160 an hour.
You're gonna start paying$160 anhour when I start digging, and
if I don't find it, you're stillpet.
Oh gosh.
And I'm like, yeah, yeah.
Okay.
I understand.
So, you know, again, folks out.
Ask the question.
(31:45):
So I did.
I said, well Mr.
Plumber, where do you think it'sleak?
Where do you think the leak iscoming from?
And, and of course, I, I pointeda little off of where I thought
it was coming from and he said,well, I'm gonna start right here
if it were me, because I thinkI'd be able to find, find the
water quickest.
Okay, great.
We found it in 25 minutes, whichwas awesome, So, yes, I, I got
(32:07):
that whole thing repaired forless than$300.
Which, which, you know,basically it cost me$180 just to
get'em there.
And, and then yes.
Crazy craziness.
But yes, plumbers, any, any ofthese repair folks are, they
just come with an expense.
That's when you give the weddingfor shovels.
Yeah, absolutely.
(32:29):
And you laugh at that, Gina, butno, I got, I had three shovels
there, So once, once the plumbergot through digging the.
Fixing the thing.
He's like, do you want me tostart digging, you know, filling
the hole back up?
I said, the heck no.
Absolutely.
I got, I got that.
You know, Hey, wedding party,come on over.
(32:49):
But but yeah again, to avoidthese super duper crazy
expenses, yes, this is one ofthe great tools to have in your
tool bag.
Which in the grand scheme ofthings, it's, it's, it's
considered inexpensive based onthe price of your home in, in
most cases.
But but I, I would've to saythat they are invaluable.
In some cases, and even in mostcases, these stories these
(33:13):
stories.
Bring me back to another pointright now where it is.
Kiddos, trade schools.
Yes.
Trade schools.
Trade schools.
Trade schools, yes.
That is where I was gonna bringthat up too.
Yeah.
We need, we need more plumbers,we need more electricians.
We need more skilled tradespeople.
It's a, it's a dying.
Mm-hmm.
Industry, we, oh, I was talkingto somebody Yeah.
The other day and they said theaverage trade person, their, the
(33:34):
average age is like, 56.
Yeah.
Oh yeah.
Yeah.
It's the same apprais right now.
Crazy.
Yes, they're, they're aging out.
Well, what are we gonna do whenthese people age out and stop
working?
They're average in the fifties.
We need appraisers.
We need more of them.
We need it.
We need not to be so hardis.
But anyway, that's a wholestory.
(33:55):
But yes, we need the trays rightnow.
There is so much money.
That could be made and thatridiculous.
You know, get a business degreeand hire people to do the work.
You don't have to do the work.
Yeah.
There you go.
That's our next job.
In our next well, in the nextpodcast, Gina, we'll talk about
(34:17):
that.
I didn't get rich in the trades.
Yeah, I think absolutely.
Absolutely.
Well you know, again, just tofinish up guys you know, again,
I I, I, I believe, and I dorecommend this to any of my
buyers that, you know, homewarranties are out there they're
certainly worth looking into.
And at the same time, they, theydo work and they do what they
(34:39):
are intended to do.
And, and.
Like we, like we alwaysmentioned Gina you know,
creating your team, making sureyou have everybody in the same
boat as we're going down on thisnew home journey and, and, and
having people all on the sameAnd again, not having the fear
of asking a home warrantyprovider what it is that they
cover.
You know, I mentioned thatearlier.
(35:00):
Half the time, you know, peoplehave their head in the sand.
It's like, well, I got a homewarranty.
But if the home warranty justcovers the front steps and
nothing on the inside of yourhouse, you know, it's a terrible
time to find out once yourplumbing goes bad, that that's
what you just bought.
Yeah.
Ask hard questions.
Yeah.
Yes.
Ask the front and, and settingup those expectations up front,
(35:21):
you know, again, whether they'rejust for yourself, your spouse,
or whoever you're buying the.
You know, that's wonderful.
But again, we, we are in thebusiness of getting in touch
with the the right folks in theprocess.
Absolutely.
Hi, Ashley.
Well, any last comments that youwanna throw in there about home?
Well, no, I think we've prettymuch covered it all, but I do,
(35:41):
you know, I, I get my number outthere, Gina, if anybody asks.
I'm one of the things is I, Imentioned I'm very responsive.
I love my job.
And and yeah.
I, I'm, and I'm here.
So I, I, I love, thank you guysfor inviting me.
I just, this was a, a fun time.
Absolutely.
Fantastic.
Thank you for joining us allguys.
(36:01):
Well, thanks for tuning into thepodcast and we will see you guys
on the next episode.
Talking to you soon.
Bye.
Hey, and welcome to the podcast.
Let's get moving with Jeff andGina, where we discuss all
things fine selling in financingreal estate.
I'm Gina Millway, your localmortgage advisor, and this is
Good Morning.
I'm Jeff Cunningham.
I'm your local real estate agenthere in Greensboro, North
Carolina.
We call this the Triad and I amwith United Realty Group here
right downtown in just aboutdowntown Greensboro.
(00:24):
So welcome everybody, and wehave a guest today.
Yes, we do.
We have a guest, so we arerecording this on December, what
is today?
The 20th.
We're keeping up on theChristmas holiday.
Mm-hmm.
And we are gonna be discussingall dean's, home warranties.
Home warranties with our guest,Ashley Williams.
(00:44):
Yes, absolutely.
Welcome, Ashley.
Thanks.
Thank you for having me.
Absolutely.
Ashley, we, we love talkingabout insurance, really anything
that goes along with the homebuying process and, and journey.
And you know, we, we, we, youare essential here in today's.
Thank you.
Yeah.
All right.
So Ashley has been around theindustry about the same amount
(01:07):
of time that I have.
And Ashley, tell us a little bitabout yourself.
Yes.
So Ashley Williams, firstAmerican Home Warranty.
I've been in the business aboutfive years.
Prior to that I was a stay athome mom, so it was just a
blessing to come into thisindustry, come into the real
estate community, which.
Eagerly jumped into and and I'mhaving a blast with it.
(01:28):
So I really enjoy what I do.
Real estate community is just afun, fun group of wonderful
people.
Yes, it is.
Yes, it is energetic to say theleast.
But yes, there's alwayssomething going Well, it it, you
know, we, we, we always like toknow about our guests a little
bit.
So so, so not say you're evergonna step outta motherhood.
(01:51):
Yes.
But stepping back into so andso, the corporate world, How did
that transit transition happen?
Oh, it was fantastic.
Well, my kids, my, I, I have atwo 10 year old twin girls and a
13 year old son.
But back wow.
Five years ago or so, my, mydaughters were getting out of
kindergarten and I was lookingto, you know, step back into the
sales in sales world.
(02:12):
I was a manager of a staffingcompany.
14 years ago.
Mm-hmm.
So so they were getting intokindergarten.
I was looking for a full-timejob and it just kind of fell
into my lap.
I had a head hunter who hadreached out to me from for this
warrant warranty company.
It's a different, one of'em werewith now, but another warranty
company.
Their president, I had known himin a different, in a different
lifetime.
And so they reached out and itwas really just a blessing.
(02:34):
Mm-hmm.
It was, it was exactly.
Well, I'll tell you what, Ididn't think so at first.
Cause I was like, how, what theheck is a home warranty?
How am I gonna sell it?
It like boring thing.
It sounded so boring.
I actually, yes.
I actually turned it.
At first, cuz I'm like, I don't,I don't wanna do that.
I didn't believe in thewarranties.
Wow.
And then two weeks later theycame back and I was like, well,
(02:54):
yeah, let's, let's, let's, let'sdo it.
And best thing ever happened, soyeah.
Yeah.
You would've asked me five.
Years and six months ago, if I'dbe selling home warranties, I
would've laughed at you in theface.
And to be honest, you know, I'llbe honest, it took me, once I
was in the job doing it, it tookme a good three or four months
(03:15):
to really understand how itworked.
So I still had those doubts inmy mind.
I, as I'm sure a lot of otherpeople do, when they don't
really understand how they'llwarranty, warranty.
True.
Yep.
True, true.
You know, and not to, not tostep outta line, but but yes, I
mean, you know, we, you know,we're always buying cell phones,
we're always buying appliances.
We're always buying this, that,and the other thing.
(03:36):
And and, and, and, you know,and, and when I was married, I,
you know, the first thing I'dsay was, you know, Hey, we're
not buying a warranty.
We're not, we're not gettingthat, we're not paying an
additional 2, 3, 5, whatever.
We're just not doing it.
If we need it, we'll get arepair to do something like
that.
And I'm, I'm the person to say,I don't get a warranty either.
You, I would, you're, you sellme a car, I'm not getting the
warranty.
(03:57):
That's, you know, I'm not doingit.
I'm the person that.
But there's a difference.
There's a huge difference in ahome warranty because,
especially from the one that'sgoing through a real estate
transaction, when the homeowneris going into a house that they
don't know anything about andyou do hold the due diligence,
you're getting the homeinspector in there, you're
looking at things.
Yeah.
But that new homeowner is usingthose systems differently and
(04:18):
they, they break, I mean, 40, Ithink it's, I can't, I don't
wanna lie, it's in between 30and 40% cuz it did recently
change and I don't remember whatit was.
Of our clients file a claimwithin the first 90 days of
their hermit.
Wow.
So it's, so things do break.
Wow.
And, and it's not, yes, it's notanybody's fault.
It's not the inspector's faultcuz he missed something.
(04:39):
It's just life.
Mm-hmm.
And especially now when peopleare their home, using those
systems a lot more.
So it's really just a, the wholewarranty is so important.
For a first time home buyer oryou know, somebody going into a
new to them home because it doesit, it helps save money, and
that's the bottom line.
It helps save money.
Yeah.
What's the difference?
(04:59):
There's a difference betweenwhen you check out at Lowe's and
they ask you if you want awarranty on a.
Cord that you, you know, a$10cord.
It's like everything you checkout that's electronic, they ask,
do you want a warranty?
I'm like, it's a five.
I You mentioned that though.
But there is a cord, I can'tremember.
You can buy'em at stables, but Iknow it's gonna die in three in
(05:21):
three months.
And they always sell you thatwarranty.
Hey, it's gonna last for threeyears and I never do it.
Not exactly what we wanna workthis dude.
But But no.
Anyway, the home warranty is, isis a li it's, it's a lot
different than that.
And not only is it there to savemoney for clients, it's really
risk reduction too for, foreverybody involved in a
(05:42):
transaction.
Yes.
So that's why it's there.
And if you look at the the offerto purchase.
It's in there.
I don't know what line item itis, but it's like, you know,
it's several pages down.
Yep.
But it's like, it is a homeworkgonna be provided.
And the reason why is becauseinevitably something,
something's gonna happen andthere needs to be some, some
liability.
(06:03):
For it.
You know, some, at some, youknow, it's, there needs to be
somebody to be able to help withit, you know, A homer sense.
Yes, yes.
Well, it, it, it, it's beyond,it's beyond comfort.
Like you said, it, it, it, it,it is a, it is a, it is, it is a
risk you know, aversion tool, ifyou want to call it that.
But, you know, at the same timeyou know, it's, Terribly
(06:24):
expensive in the grand scheme ofthings, which is, you know, a
lot of what I, you know, reallytry to get across, especially to
my first time home buyers is,you know, hey, you just spent
$250,000 on.
You know, a home that you'vebeen saving up for and working
this investment in your lifefor, you know, a period of time.
(06:46):
So again, an additional$650 isabout average that I see.
And, and, and again I certainlydon't want to insult anything as
far as your pricing goes.
But, you know, a standard, youknow, between six and$700 for a
year's worth of coverage to makesure that your, your water
heater works.
Make sure that your stove'sworking, make sure that the
micro microwave is working theway it's supposed to.
(07:08):
And, you know, and some of theother aspects of of the home
that we will talk about, whichmay or may not be covered but
some of what we had justmentioned, you know, again, You
know, a new refrigeratornowadays used to be what?
A new car cost.
Yeah.
You know, 15, 20 years ago, somaybe you may have to wait six
weeks to get it right now.
Oh yeah, exactly.
(07:29):
Not to mention.
Absolutely true.
So so yes, it, it's not onlyimportant that, again, we do
have the.
Home warranty that's say, put inplace, or at least we discussed
that, but that we also discussedit with the right company and
the right individual who cantell us a little bit more about
that at the time when wepurchased that warranty itself.
Yes.
Right.
And the good thing about thewarranties is, especially when
(07:52):
you're purchasing it, is thatthat initial policy.
May be able to be paid for bythe seller, so it may not cost
you anything outta pocket, sowhy not ask?
Mm-hmm.
and at least, yeah.
Well, so here's the thing.
You know, we're coming out ofthat.
We're evening out of thatseller's market.
We're no sellers, were, therewere no seller concessions.
There was nothing, you weren'teven talking about.
But Nellie, we're starting toeven out, we're starting to see
(08:12):
a lot more sellers, you know,but buyers are asking for the
warranty.
They're asking for closingcosts.
They're asking for things.
Yes.
And you know, one of the, like,these are big ticket items that
we cover.
The, the warranty covers theHVAC system.
Mm-hmm.
I mean, especially with pricesas high as they are now.
Two years ago, prior to 2020, ifyou'd asked me what the average
cost to replace a HVAC systemwas, it was about five to$6,000.
(08:33):
Now we're looking at eight tonine.
Yeah.
So, Yeah.
So so when you're, when buyersnow, if they're looking at a
house and it's an older HVACsystem, but the inspector, they
have the, the HVAC guy come andcheck it.
It's in good working condition.
It's just 20 years old.
You know, that home inspector'sgonna say, mm-hmm.
this thing is beyond its lifeexpectancy.
I hear that all the time.
And that's a mm-hmm.
(08:54):
marker for buyers.
Mm-hmm.
But the home warranty can comein.
save the day and then save thosebuyers if something happens to
it down the line.
So it's huge.
Yes.
And, and you know, one thing,not all, one of the myths about
home warranties is that they'reall the same.
They're not.
They all have mm-hmm.
different.
they're all, they're allintended to save money, but they
all have different specialties.
(09:14):
So that's one of the thingsthat, you know, homeowner needs
to consider when they're lookingat home warranties.
But one thing, one thing youwanted to look at is the and I
know I'm kind of jumping allaround you guys, I can talk
about home warranties all day,but I can, I mean, it's just
that I, I, again, three or fourmonths into my job doing this
and I.
Wouldn't have told you, but nowI, I know how they work but but
(09:38):
you know, and I lost my train ofthought cause I'm all over the
place.
But it's, well, you're talkingabout having the right, the, the
right home warranty.
The right warranty, yes.
So you wanna look at caps, youwanna look at how much that co
that policy is gonna cover.
You also wanna look at what if,if, what happens if, if, if it
can't be fixed, you know, is thehome warranty gonna mm-hmm.
Company just gonna give out apayout based on the age of the
(10:00):
system, or they can replace itright.
You know, the parts and laborand, and are they gonna place
it?
So those are some interestingand very important questions
that need to be asked.
Yes, yes, absolutely.
And, and, and, and as we talkedbefore, we, before we came on
the, here here, who would we beasking that information or who
would be asking?
Who would we inquire?
Yeah, well definitely the salesrep that the, the home warranty
(10:22):
rep.
You know, here's the thing,okay.
Real estate agents, you guys aredoing your job.
You're doing work in your magic,you're doing the negotiations.
I think you know, all warrantyreps.
All we want is you to just putour name out there, put their
name in front so that we canexplain it.
Mm-hmm.
I think the biggest thing abouthome warranties is the
misconception that they, thatthey, that they cover everything
(10:43):
100%.
And there's no out marketexpenses, you know, that, that
it's just the end all be all.
And there are limitations.
Mm-hmm.
there has to be limitations.
You know, I mean, we'd go out ofbusiness.
So asking, you know, having put,have the home warranty rep, talk
to the, the buyer so that theycan set, you know, they can,
they can make their, theirdecisions, but at least in front
(11:05):
to make, you know, if they, ifthey want it or not, or which
company they wanna go with.
It's so important.
Absolutely.
And, and, and as you mentionedearlier, I think it was
absolutely proper setting thoseexpectations for, you know, not
to say that something's gonna gowrong, but in the case that
something does go wrong, whatare those expectations?
So explain if you would just alittle bit about you know, any
of the repairs or the mostcommon, now you mentioned hvac,
(11:28):
of course.
You know, and I'm sure waterheaters are going left and.
But how about appliances?
Like, oh yeah.
Washes and dryers and thingslike that.
I mean, are we coveringeverything in the house?
So, you know, with, with, and Ican't talk about every home
warranty, but with mine we havelike a good, good, better, best.
Mm-hmm.
And it's kind of like any kindof insurance.
You know, you've dentalinsurance, you've got a good
policy, but you've got a reallygood policy.
(11:49):
And it just depends on the levelof coverage.
So our basic plan, we coverplumbing, electrical, all the
appliances except for thewasher, dryer fridge.
And we cover the, the h.
A right.
Adding to that, you would put anupgrade, which covers it covers
some bringing things to code.
It covers builder's permits, itcovers, you know, kind of the,
the, the bells and whistles.
(12:10):
So it's, it covers mm-hmm.
recapture, reclaim, and, and.
Disposal of refrigerant as wellas disposal of protective
equipment.
So it's a really good option toadd that upgrade, but the best
plan covers all of theappliances, including the
washer, dryer, fridge, andincludes that upgrade.
So I'll give you, well, I reallycan't talk numbers, but if you
(12:30):
have, you know, one of theexpectations is that it covers a
hundred percent and that's justnot true, especially with hvac.
Mm-hmm.
HVAC coverage, we will coverparts and labor and depending on
the plan mm-hmm.
we'll cover a certain amount ofthose non-covered costs.
So so you, the better plan youhave, the more that we cover we
also, but plumbing, electrical,appliances, cooling and heating,
(12:50):
it's the acronym of Peach.
That's typically what a homewarren he will cover.
That includes ceiling fans,exhaust fans attic fans just
garbage disposal, garbage trashcompactors, I mean anything
basically that you can turn onand off with a switch in your
home.
Wow.
Yeah.
This sounds like a goodcombination to add with your
(13:12):
homeowner's insurance becausehome warranty and homeowner's
insurance are very different.
Yeah.
Things.
Mm-hmm.
and I've had both.
I've had you know, a warrantywith First American.
And when we bought our house,cause our HVAC system was.
Was older and we actually usedit a few times.
It was very easy.
They came out, you know, they,they took care of it.
And it saved us a lot of moneyon those repairs where the
(13:35):
furnace went out.
Back to the homeowner'sinsurance.
Yeah.
So I don't think a lot of peopledon't realize that your
homeowner's insurance will coverthe damages from the incident.
Yes.
They don't cover to repair whatThat's right.
Happened.
So like we just had a water leakin our house.
Homeowner's insurance coveredeverything that the water
touched damage to replace it.
(13:57):
but they wouldn't repair, whichmakes absolutely no freaking
sense to me.
Because you think they wannarepair the thing that's causing
you damage, but they don't.
Yeah.
They didn't repair the, thehose.
Yeah.
The plumbing that caused theleak.
We, that was our, out of ourpocket.
Yeah.
Huh.
And I think that's gonna go toanything like a water heater,
the water heater, word ofmalfunction, and, and spew water
all over your house and fledgeyour house.
(14:17):
They're gonna cover thosedamages, but they're not gonna
cover that water heater.
Huh.
Whereas a home warranty.
So we actually work in Tand.
Wow.
The big huge misconceptionthere.
Myth that they're one in thesame.
They're totally differentwarranty covers.
Mm-hmm.
what breaks, and we'll coverwhat fails, but we don't cover
secondary damage.
That's where the, the where thethe Yeah.
(14:38):
Sure.
Insurance comes in.
And I give you a really goodexample of that.
I lived in an, an old, beautifulold home with the cast cast
iron.
Pipes in my ceiling furnaceevery year in the ceiling.
Old, it was like a hundred yearsold.
Every year we turned on thatfurnace.
There was a leak.
So beautiful mold crown molding,you know, 12 inch molding,
(14:58):
plaster ceiling, plaster walls,ruined, but quite, you know,
huge expense for that pipe.
Mm-hmm.
Joe, Joe Schmo, plumber couldn'tcome out and fix it.
There had to be a mechanicalplumber, but more take, took
care of that pipe.
So that's huge.
Wow.
But they didn't take care ofthe, you know, for me to fix the
molding.
That was, that was my expense.
(15:19):
Yeah.
And it wasn't enough forhomeowners to to come in.
I was, I had to get the handymanto come in and fix it, but yes,
that's the big difference.
Yeah.
And so again, we cover themechanical systems home.
Home insurance we'll cover,cover like acts of God flood,
lightning, you know, things ofthat thing, theft, all those
things.
Excellent.
(15:39):
Excellent.
Yeah.
Well, no, I, I love the ideaagain, working in tandem, you
know, the two products together.
Cuz yes, I, I, I, you know, Iguess luckily enough, haven't
had to use any insurance.
On my home that yeah, we'll,we'll cover the damage but won't
fix the problem.
So yeah, Gina, and I guesslayman's term that really sucks.
But but again, using these twoproducts or using an insurance
(16:02):
along with the home warranty,again, I, I is, is again, risk
avers.
It'll help you in the law.
Absolutely.
Absolutely.
Well, before we go in forAshley, we didn't even, we
didn't even mention this, but ofcourse you're with first
American and, and how do we getin touch with you?
Yes, well, I can well look, Itell you my phone number is(336)
(16:22):
482-6034.
My, Email address is a Williamsfirst am.com.
First am for Americanfirstamerican.com.
Yep.
First am.com.
Yep.
And I'm very responsive.
So if I don't answer the phoneright away, it's because I'm
doing something like this, apodcast, but I always return the
phone call right after, so,Fantastic.
(16:45):
And, and of course we lovehaving you on.
We love having guests.
But at the same time Gina willinclude your contact information
of course down below.
So anybody who needs to get intouch with you, Ashley,
absolutely.
And thank you so much for, thankyou so much for just clearing up
a couple of those misnomers.
You know, again, this is, thisis kind of, this is kind of
cool.
It's, well, that's my job.
(17:05):
It's setting right expectation.
Yeah, absolutely.
If somebody were buying aquestion on that, somebody were
buying a new home, is thatsomething that you would Great
question.
Yes.
Yeah, we have, so builders are,you know, by law in North
Carolina, they're supposed tobuy, they're supposed to have a
a one year builders warrantythat just comes with the house
and mm-hmm So we do happen to docons.
(17:27):
Warranty that covers years.
It actually can covers years onethrough four or two through
five, but it's four years andit's for such a small amount for
the, basically the same, just alittle bit more than a one year
home warranty for an older home.
It'll cover all four years forthat, for that price.
It's amazing.
I've seen some talks lately.
(17:47):
Like I, you know, mean I love myTikTok.
I don't think Jerry's on TikTokyet, but I love my TikTok.
I do too.
I love it.
So I love it.
But you, I get those videoswhere you have home inspectors
going into new construction, newbuild.
and these are not two housesthat they're going into?
No, these are 4, 5, 600, whichin this area is a, you know,
(18:08):
decently priced house.
There's some pretty shockingthings that they come across in
there.
Yeah.
That would make me a littleconcerned and mm-hmm.
this past year has beendifferent for, I think everybody
with supply chains and lack ofinventory of staff.
And yeah, so I think I wouldprobably have a little bit of
concern buying a new a new buildright now without one.
(18:30):
Yeah, yeah.
Well, like you said, yes.
You know, following, followingthrough with your builder, you
know, for that first year andkeeping your checklists in
place, keeping all of the phonenumbers and all the contacts in.
Because again, it's not as easy,glamorous, however you want to
put it as, as anybody, alwaysmakes it out to be.
(18:50):
You know, again, you need tocontact the right people.
You need to make the request ontime.
You cannot, in general go pastyour expiration date without
incurring significant cost.
So, so, so, I, I totally agreewith you, Ashley.
If, if you can go ahead and geta bunch.
It's, you know, amazing productor a program out, out there.
And again, it's like buying anew car.
(19:11):
You're granted, you're not gonnaget a huge break on your car
insurance, but you know, again,you might have that again, need
to use some sort of warranty inthe first three to four years.
And, you know, having that paidfor it is, is, well, here's the
thing, and it's, I'm not, youknow, Yes, I know, you know,
building house right now, I've,I've spoke, I've got several
builder friends and, and they'reall stressed out.
(19:32):
This, like, this is, they'restressed.
Oh, yes.
It's hard to find your help.
You know, there's all that, butalso the mechanicals, you know,
they don't make, I mean,refrigerators, they don't make
'em, they, they don't makeandthat has, first of all, I just,
that does have something to dowith the supply chain, because
these manufacturers are justwhipping'em out as fast as they
can.
Yep.
And Yep, they, they're not, theyare hunks and junk.
(19:55):
And yes, having that warranty, Icannot tell you how many times
we've saved people.
Thousands of dollars.
Thousands of dollars, yeah.
Yes, yes.
And necessarily so.
I mean like, like I said, itjust the cost of refrigerator,
you know?
I mean this three,$4,000 for arefrigerator and, and yeah, the
lifespan.
(20:16):
Certainly not what it used tobe.
Not at all.
Not at all, I tell you.
All right.
So what would you if if you had.
A list of questions that say anew homeowner or a new buyer
would ask of you know therealtor and of course you on the
team as well as, you know our,our, our lender Jean on the team
(20:38):
as well.
You know, what questions wouldyou recommend that we ask, you
know, while we're in that whilewe're in that process?
Again, it is, we we're shiftinga little bit, you know, we're
getting away from the seller's.
Just a little bit.
They still hold most of themarbles, but you know, again,
what, what could a buyer beasking, you know, as far as an
expectation would go?
(20:58):
Something that in, in yourrealm?
Yes.
Of the process.
So the biggest thing I think, islooking at the caps.
So the cap is what the warrantywill pay out at the most.
Per item.
So, okay big ticket items.
With US hvac, we don't have acap.
So that, what that means, whatthat means is, is that we will
cover, there's no limit to theamount that we'll cover for
(21:19):
parts and for labor.
Now, again, with the HVACreplacement, this is the
misconception.
A lot of people will think, oh,I'm gonna give a brand new HVAC
system for free.
You know, just pay the$85service.
And get it for free.
Now we cover, again, parts andlabor, but not, you know, not
all the modifications.
Again, you get that good,better, best policy, get the
best.
We're gonna cover more of thosemodifications.
(21:40):
But there are out-of-pocketexpenses, and that's what it
takes the technician to put thenew equipment into the old
house.
But we will pay for thatequipment, we will pay for that
labor, which is the labor is themost expensive.
Sure.
And we will pay, depending onyour level of policy for some of
those modifications.
But the cap is very important.
One of the, an an example in, inthis territory, this isn't true
(22:03):
for all territories.
The North Carolina NorthCarolina state law says that if,
what if like the outside unitgoes out, but the inside unit's
still working, if you have toreplace the outside unit, you
still have to replace the insideunit or you know, they have to
be compatible.
So one dies.
You have to replace both.
A lot of warranty companies willonly cover the one that failed,
but the homeowner has to coverthe part that didn't.
(22:24):
Mm-hmm.
we cover both.
We cover both parts.
Okay.
So that's huge.
So you wanna look at those?
You sure those are, when, whenit's about warranty, look at the
big ticket items.
What, what are, what's gonna becovered, what's not?
Also look at the cap, the capsof the appliances.
Some warranty companies outthere will cover$5,000 for all
of the appliances.
You know, maybe you don't haveto use that, but you know, we,
(22:45):
we, we have a higher amount perappliance.
So sure.
You know, caps are very, veryimportant.
Also, you wanna look forcoverage for rust, age and age,
rust and corrosion.
You want all three of those,not.
age and, and not just age,because if there's, sometimes
you'll see in the little fineprint the rusting, corrosion.
(23:09):
that could mean a denying claim.
You wanna look for age, rest,and corrosion to be, to be
covered.
I mean, if you have somethingthat's old, it's gonna have to
have a little rest, you know,especially when you're looking
at that outside vac system.
So those are, those are somebig, big things.
Another one is, what's gonnahappen if that system fails and
it can't be fixed?
Are they, are you gonna get acheck for the you know, the
(23:32):
value of the, of the, of theequip?
At its age, at at today's time,you know what, what would that
pay out be or, mm-hmm.
are you gonna get it replacedwith a brand new item?
So those are the big things thatI would ask.
Okay.
Excellent, excellent.
And and, and most of these Iwould assume have some sort of
(23:53):
deductible.
Yes.
Well, it's not really called adeductible, it's called a
service fee.
And so any time a techniciancomes out, you just pay, you pay
a service fee that's gonna varyfrom state to state, from
warranty configured warrantycompany.
But it's nom.
and depending, so like, say it'syour dishwasher, you pay that
fee that one time.
If it can be fixed right thenand there, they can fix it.
If not, they order parts tobring it in.
(24:15):
If it can't be fixed for us,we'll replace it.
There's no other, any othercharge.
Typically for an appliance,again, there's gonna be
out-of-pocket expenses for yourbig ticket items, like the water
heater, the hvac but again, wecover parts in light.
Sure.
Okay.
And, and, and we did touch onthis earlier, so working this in
conjunction, if you do have aclaim with your insurance
company do, do, do you recommendwe start one way or the other
(24:38):
with the insurance companyfirst?
Because, you know, again,speaking to a lot of first time
home buyers.
Yep, yep.
You know, typically yourappliances are not covered under
your, you know, quote unquotehome insurance.
You know, but, like, like wementioned you get a dishwasher
upstairs, whatever, and it itbreaks floods downstairs.
Your insurance company will takecare of the damage per se, but
(25:01):
they're not gonna repair.
Right.
You know, again, what caused thedamage?
So.
Do you recommend any?
It, does it matter which way wego first, whether we talk to the
insurance folks or talk to, itdoesn't matter.
Just make sure you file a claimand, you know, we need to have
the claim filed and then we'llgo from there.
But and, and we work in tandem,so you know, if, if, if floors
need to be replaced, all that,you know, we are, we are just in
(25:22):
the background.
I've got a service partner whostays on top of things.
You know, she'll do a check-inbased on, you know, what, you
know, what's going on.
She'll do a check-in with thehomeowner.
And until everything's ready,then we're ready to go to, to
back up the homeowner.
Excellent.
Excellent.
Well, that's great.
That's, that's, that's some goodinformation there.
(25:43):
What you got, Gina?
You got, you got a question fromMs.
Ashley?
Brianna I don't have a questionper se.
I would just like to, you know,couple things I wanted to point
out that, you know, we talkedabout as the plans and the
pricing is, you know, onceyou're past that initial plan
where maybe you paid it at theclosing table, the seller paid
it, you can, you know, my, myunderstanding, you can continue
the plan and.
It's, it's actually on a monthlybasis.
(26:04):
Like you don't have to come upwith that lump sum all at once.
Is that still correct?
That's correct.
Yep.
It's renewable and second yearcan be monthly.
Yep.
Yeah.
So that makes it super easy.
So you don't have to come upwith a, a chunk of money at
once.
It's, it's paying it out betterthan paying for the repairs on a
hvac, especially duringwintertime when they all go out
and they're super busy to yourhouse.
(26:26):
Yeah.
So that's, that's good.
It just gives you a little safeof mind and I.
When we made our claim with thewarranty company, it was super
easy.
We just went online and filledit out.
We paid our deductible.
It was like, and this has been awhile, so it's probably changed.
I don't wanna quote maybe 50,$75or something like that.
But, you know, they, they cameout, they had to order parts,
(26:48):
they had to come out again andreplace it.
So, I mean, that's without, itwould've been.
four or$500.
Well, I mean like one of thebiggest, one of the, I, I see
this claim a lot, but you're theblower motor.
it, it goes out.
Mm.
And it's a simple repair, butyou know.
Mm-hmm.
again, we're talking about 20,22 prices, that everything is
(27:09):
just gone.
Outrageous.
So that blower motor, whereasbefore it might have been 250,
and again, it de depend, itvaries by technician.
They're all over the place, 250to$500 repair.
Not to mention, you know, the,the labor of it, but just the
part itself now that's likedouble, triple, the.
(27:30):
So that's what we, that's whatwe, that's what we take on.
So, well, and I don't know ifthis is something that would've
been covered cause we don'tcurrently have the home
warranty, but so we just, we, wejust recently, we just recently.
And so the plumbing, the spigotthat Went out.
I mean, it's a, it was a supersimple fix.
(27:52):
It was easy.
It wasn't, you know, you didn'thave to tear out the walls.
It was accessible, but it was ona Sunday.
Oh yeah.
Mm-hmm.
And the, to come out on theweekend to fix it was going to
be almost a thousand dollarsfrom a couple companies.
Mm-hmm.
because I was like, are youkidding me?
Yeah.
Like, it's literally like asuper quick job.
(28:12):
It's literally like$10 inmaterials.
Yeah.
I, I was like, I, that told myhusband, I said, I will, YouTube
plumbers are very expensive.
Before I pay a thousand dollars,I will YouTube repair this
plumbing and do it myselfegregious.
So it, it can get really, reallyexpensive.
(28:34):
And you know, for those, I'm,I'm lucky.
you know, myself and my husbandare both pretty handy, so we,
you know, can do a lot of thingsourself, but you know, if you
don't have the aptitude to dothis or do things for yourself,
it can really become, it can addup.
The cost can add up.
Yeah.
Yeah, yeah.
And, and, and, and, and truth betold, and, and staying on that
(28:54):
thread right there, you know, alot of millennials in the past
couple of years Learned thatlesson.
You know, they are the largestbuyers right now of, of new
homes or, or, or new homepurchases.
But yeah just the fact that, youknow, if something does go wrong
you know, millennials I, I don'tknow if that's something that we
have, created that in thatgeneration, but you know,
(29:15):
they're used to calling people,they're used to getting stuff
fixed.
So like you said, as a newhomeowner, it's great if you
know how to drive a nail or usea screwdriver or use a power
tool.
But you know, for folks thatdon't you know, again, I would
have to say a home warranty iscertainly.
Right up there out.
Let me give you an exampleactually.
So you have a toilet leak andit's something, something as
(29:39):
simple as, well, it's not simpleto me, but it's an easy fix for
a plumber.
Mm-hmm.
The, the, just, you know,replacing that ring, the seal.
Ring.
Yeah.
And if you called, if you calleda plumber like Gina, you were
saying the thousand dollars on aSunday afternoon.
Well that's, that's theemergency fee, everything, all
that.
But you call a plumber and it'sjust a hundred dollars just to
(30:00):
go out there.
You know, just to go out there.
Yeah.
To the hou, to the home, andthen they've gotta do that.
Mm-hmm.
you're super expensive.
You're with a warranty companyand you pay the nominal service
fee and that plumber's gonnacome out there and do that job.
And it's so much, it's so much.
It's, it's.
It's so much more savings thanif you were to call a plumber on
(30:21):
your own And I've been there.
I've been there.
Yes, I've been there.
I have called the plumber on myown and been just mortified.
I'm like, you were here fiveminutes.
Yes.
Yep.
Yep.
Hundred$60.
You know.
Oh, yes.
But I mean, that's, that's,that's a good five minute charge
right there, you know?
And I question'em.
They say, yeah, ma'am, we chargeyou a hundred dollars just to
(30:41):
get out here.
I, that's a quote from theplumber, Oh, yes, yes.
Well, sticking on, sticking onplumbers and Gina, I think we've
covered this one time I had anexterior leak on my supply line
coming in.
and same thing, it was justbefore my my, my son's Covid
wedding.
So everybody's coming over tothe house, you know, and, and
(31:03):
all of a sudden we've got thisleak that's coming up outta
nowhere and call the plumber.
And he's like, yep, all right,so where do you think it's
leaking?
And I'm like, well, God, youknow, there, here in North
Carolina, you know, we.
We've got clay that we deal withand, and water will take the
path of least resistance and,and any, in any, you know soil
(31:24):
Anyways, he said, well, you'regonna start paying, and that's
why I use that$160 an hour.
You're gonna start paying$160 anhour when I start digging, and
if I don't find it, you're stillpet.
Oh gosh.
And I'm like, yeah, yeah.
Okay.
I understand.
So, you know, again, folks out.
Ask the question.
(31:45):
So I did.
I said, well Mr.
Plumber, where do you think it'sleak?
Where do you think the leak iscoming from?
And, and of course, I, I pointeda little off of where I thought
it was coming from and he said,well, I'm gonna start right here
if it were me, because I thinkI'd be able to find, find the
water quickest.
Okay, great.
We found it in 25 minutes, whichwas awesome, So, yes, I, I got
(32:07):
that whole thing repaired forless than$300.
Which, which, you know,basically it cost me$180 just to
get'em there.
And, and then yes.
Crazy craziness.
But yes, plumbers, any, any ofthese repair folks are, they
just come with an expense.
That's when you give the weddingfor shovels.
Yeah, absolutely.
(32:29):
And you laugh at that, Gina, butno, I got, I had three shovels
there, So once, once the plumbergot through digging the.
Fixing the thing.
He's like, do you want me tostart digging, you know, filling
the hole back up?
I said, the heck no.
Absolutely.
I got, I got that.
You know, Hey, wedding party,come on over.
(32:49):
But but yeah again, to avoidthese super duper crazy
expenses, yes, this is one ofthe great tools to have in your
tool bag.
Which in the grand scheme ofthings, it's, it's, it's
considered inexpensive based onthe price of your home in, in
most cases.
But but I, I would've to saythat they are invaluable.
In some cases, and even in mostcases, these stories these
(33:13):
stories.
Bring me back to another pointright now where it is.
Kiddos, trade schools.
Yes.
Trade schools.
Trade schools.
Trade schools, yes.
That is where I was gonna bringthat up too.
Yeah.
We need, we need more plumbers,we need more electricians.
We need more skilled tradespeople.
It's a, it's a dying.
Mm-hmm.
Industry, we, oh, I was talkingto somebody Yeah.
The other day and they said theaverage trade person, their, the
(33:34):
average age is like, 56.
Yeah.
Oh yeah.
Yeah.
It's the same apprais right now.
Crazy.
Yes, they're, they're aging out.
Well, what are we gonna do whenthese people age out and stop
working?
They're average in the fifties.
We need appraisers.
We need more of them.
We need it.
We need not to be so hardis.
But anyway, that's a wholestory.
(33:55):
But yes, we need the trays rightnow.
There is so much money.
That could be made and thatridiculous.
You know, get a business degreeand hire people to do the work.
You don't have to do the work.
Yeah.
There you go.
That's our next job.
In our next well, in the nextpodcast, Gina, we'll talk about
(34:17):
that.
I didn't get rich in the trades.
Yeah, I think absolutely.
Absolutely.
Well you know, again, just tofinish up guys you know, again,
I I, I, I believe, and I dorecommend this to any of my
buyers that, you know, homewarranties are out there they're
certainly worth looking into.
And at the same time, they, theydo work and they do what they
(34:39):
are intended to do.
And, and.
Like we, like we alwaysmentioned Gina you know,
creating your team, making sureyou have everybody in the same
boat as we're going down on thisnew home journey and, and, and
having people all on the sameAnd again, not having the fear
of asking a home warrantyprovider what it is that they
cover.
You know, I mentioned thatearlier.
(35:00):
Half the time, you know, peoplehave their head in the sand.
It's like, well, I got a homewarranty.
But if the home warranty justcovers the front steps and
nothing on the inside of yourhouse, you know, it's a terrible
time to find out once yourplumbing goes bad, that that's
what you just bought.
Yeah.
Ask hard questions.
Yeah.
Yes.
Ask the front and, and settingup those expectations up front,
(35:21):
you know, again, whether they'rejust for yourself, your spouse,
or whoever you're buying the.
You know, that's wonderful.
But again, we, we are in thebusiness of getting in touch
with the the right folks in theprocess.
Absolutely.
Hi, Ashley.
Well, any last comments that youwanna throw in there about home?
Well, no, I think we've prettymuch covered it all, but I do,
(35:41):
you know, I, I get my number outthere, Gina, if anybody asks.
I'm one of the things is I, Imentioned I'm very responsive.
I love my job.
And and yeah.
I, I'm, and I'm here.
So I, I, I love, thank you guysfor inviting me.
I just, this was a, a fun time.
Absolutely.
Fantastic.
Thank you for joining us allguys.
(36:01):
Well, thanks for tuning into thepodcast and we will see you guys
on the next episode.
Talking to you soon.
Bye.
Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.
Ridiculous History
History is beautiful, brutal and, often, ridiculous. Join Ben Bowlin and Noel Brown as they dive into some of the weirdest stories from across the span of human civilization in Ridiculous History, a podcast by iHeartRadio.