West facing wall
Tagged: , Home , Renovation
Many people with their own homes worry about air conditioning repair costs, and wonder if their homeowner’s insurance covers this area. The simple answer is yes and no. If you have a natural disaster, fire, or some other catastrophe, and your air conditioner gets destroyed or damaged along with your home, then you are covered by your insurance. However, in many cases where it is just the air conditioner that is broken, or has a problem, then your homeowner’s insurance does not cover the repair costs. There are other ways to cover these costs.
When it comes to air conditioning repair, there is another kind of insurance that homeowners can buy. It is called major appliance insurance. This insurance has been advertised in the media and can be obtained online, or you can also ask your current insurance agent about it. What appliance insurance does is cover all of your major home appliances from your refrigerator, to your air conditioner, and most large appliances in between. How it works is if you have any kind of problem with your air conditioning unit, no matter what time of the day or night, you call the insurance hot line, let them know the nature of the problem, and they call a technician to come and fix it for you. This can come in handy in the middle of the summer, when you unit breaks down.
How much you will actually pay for air conditioning repair when it comes to appliance insurance depends on the coverage, and the deductible. If you want, you can pay a higher premium with no deductible, and if you need someone to come out and fix it, you will have no out of pocket expenses. The higher the deductible, the more you will have to pay for repairs, it’s just that simple
Another way to cut down on these costs is getting an extended warranty on your unit when you purchase it. While many air conditioners come with at least a two year warranty, in many cases you have the option of an extended warranty, which can extend it up to twice as long as the regular warranty will. Now this may cost extra, in some cases up to $100, but considering how much repair costs are, this is a small price to pay for added peace of mind.
So as you can see, there are ways to get around your homeowner’s insurance when it comes to air conditioning repair costs. In many cases, the newer the unit, the more efficient it is, the easier and cheaper the coverage will be, and the length of the warranty will be longer. The older the unit, the harder it is to find parts for, and it may take longer for the technician to find the problem. A new more efficient unit will not only cut down on your repair costs, but also save you money because it will work better, and use less energy.… Read More
Some of the 17,000 poultry at Seldom Rest Farms located, north of Myerstown, PA, on Wednesday, April 20, 2011. The chickens are kept in a two story chicken house and produce approximately 2.5 million chicks each year. To supplement their electrical needs, they chose a contractor who knew about United States Department of Agriculture (USDA) Rural Energy for America program (REAP) grants and helped them through the application process. The farm was awarded a $152,000 grant (25% of the cost). to install the 1001kW solar array to power their farm, a neighboring farm and homes on the local electrical grid. The 240 solar panels were ground mounted with 5-foot clearance underneath to allow sheep to graze and rest underneath protected from the rain, sun or snowfall. Ten inverters change the DC electrical energy from the panels into AC energy that goes into the local power grid. Spring statistics show it is producing more than expected. REAP offers grants and/or loan guarantees for the purchase and installation of renewable energy generating systems and for energy efficiency improvements. For additional important details about REAP, see www.usda.gov. USDA Photo by Lance Cheung.
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For over 50 years, free government grants have been given away to individuals for personal use, and that money is going nowhere. Last year over $800 billion was given away from the government, and that amount is growing at a rapid rate. This is a financial aid option available regardless of income or credit that millions of people are taking advantage of, and you can too.
Free government grants are provided by various agencies, including your local and state government as well as your federal government. There’s no limit on the number of free government grants and loans that can be obtained, but there are ways to be more successful in getting approved.
That’s why the grant writing profession is a job that is in such high demand. By knowing how to quickly find and apply for these grants in order to be first in line when they are made available, you can greatly increase your chances of getting the money you need.
When you search the free government grant database, be sure that the results are current and up-to-date with the latest information. You don’t want to waste your time requesting government grant funds that are no longer available. But you do want to apply for as many as you qualify for so you can get the most amount of money possible.… Read More