1. Why was this program developed? What’s in it for me?
2. How exactly does SavingStreet™ save me time and money?
3. How do I make sure I get the savings?
4. What types of companies are in the program?
5. What about privacy? How did you get my email address and is my information completely secure?
6. What data drives this program?

1. Why should I book through SavingStreet™?
2. What is the time period in which I should book my move?
3. What is the period of time in which I should start packing the goods?
4. Will my furniture will be packed by the movers?
5. What will be the final cost of my move?
6. Can I leave my clothing inside my dresser drawers?
7. How much notice do I need to give to book my move?
8. Am I covered for damage if I do my own packing?
9. How might I transport my plants?
10. How can I get my automobile to my new home?
11. Am I required to tip the movers?
12. What items are not allowed in the truck?

1. Are there age requirements for renting?
2. May someone else drive a truck that I rent?
3. What kind of credentials do I need to rent a truck?
4. Is a deposit required to rent a truck?
5. Am I required to take the insurance and protection products?
6. Is a credit card needed to hold my reservation?
7. What types of discounts are available?
8. May I use the rental truck to tow my own vehicle?
9. What should I do if I'm involved in an accident?
10. What happens if I don’t return my truck on the designated return date?

1. Why should I book through SavingStreet™?
2. How does container based moving and storage work?
3. Why might container based moving and storage is good for me?
4. How is container based moving and storage different from renting a truck?
5. How is container based moving and storage different from a full service van line company?
6. How is container based storage different from other storage options?
7. Will the container protect my belongings?
8. How can I figure out how many containers I need for my move?
9. Can the delivery of containers be staggered?
10. Can the company pack and load the container for me?
11. How long do I have to load or unload the container?
12. How fast can I get a container?
13. Do I have to be there when the container is dropped off?
14. How long would it take to have my container delivered to the new location?
15. Are there any restrictions to using this kind of service?
16. Can I fit multiple containers in my driveway?
17. How can I find out about local regulations?

1. Can I get boxes and moving supplies?
2. Can you give me some tips on packing?
3. How do I pack china, glassware, silverware and similar items?
4. How do I pack cups and glasses?
5. How do I pack lamp bases and shades?
6. How do I pack tapes, CDs, records etc.?
7. What things am I not going to be able to move?

1. Who is Allconnect™?
2. Why should I use SavingStreet™ and Allconnect™?

1. Why should I use SavingStreet™ to find the best home insurance policy for me?
2. Why might I need to buy home insurance?
3. What types of risks does the average home insurance policy give me protection from?
4. Who is covered by a home insurance policy?
5. What are the different deductibles and what level of deductible should I choose?
6. What does property damage in a home insurance policy typically cover?
7. What does personal property insurance coverage include?
8. What is personal liability insurance coverage?
9. Are there any ways I can get a lower premium?
10. Does my homeowner insurance policy cover flood damage?
11. What is a credit score?
12. How is credit scoring used in determining the cost of insurance?
13. How much homeowner’s insurance do I have to carry to be approved for a loan?

1. What is a home warranty?
2. Why do I need a home warranty?
3. How does a home warranty work?
4. Why should I choose American Home Shield™
5. Is everything in my home covered by the AHS Home Warranty?
6. How many times can I use my AHS Home Warranty?
7. What if I have an appliance that just can’t be fixed?
8. What out-of-pocket expenses will I have?
9. How do I know my service contractor is qualified?
10. Is the AHS Home Warranty renewable?
11. I'm in the market for a home. What's the benefit of buying a home protected by an AHS Home Warranty?
12. I'm selling my home. Why would I want an AHS Home Warranty?
13. My home systems and appliances are old. Does that matter to AHS?
14. Does AHS need to inspect my home systems and appliances before I purchase?
15. What is a Trade Service Call Fee?
16. Is there a limit to the number of repairs AHS covers?

1. How does SavingStreet™ easily connect me to local providers?
2. How do I know that these local providers give great customer service and do great work?
3. Who is ServiceMagic™?

SavingStreet™

1.  Why was this program developed? What’s in it for me?
SavingStreet™™ is part of Encompass360™, the technology your loan specialist uses to process your loan.  The company and loan officer that you are working with on your loan wanted a way to bring you even more value and improve their overall customer service to you.  SavingStreet™™ then negotiated special deals with products and services most people use for their move or on activities after they refinance.  Those companies are willing to give special discounts to you because SavingStreet™™ makes it so easy for them to make those offers to you.  So SavingStreet™™ is a way for you to save time and money on many things before, during and after your purchase or refinance loan.  We hope you love the service.  If you have any questions or comments please don’t hesitate to contact us!  
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2. How exactly does SavingStreet™ save me time and money?
SavingStreet™ negotiated special deals with many different companies that have products and services that you will most likely need or want because of your move or because you are refinancing.  For example, there are big discounts on many different types of moving companies that you only get if you use SavingStreet™ to book your move.  With PODS™ you would save an additional 10% on the cost of your move which can be $500 or more…again just by ordering through SavingStreet™.  In terms of saving time, SavingStreet™ also negotiated with a national company to give you one person to assist you with disconnecting your old home and connecting your new home with utilities, phone, TV, internet etc.  This will save you lots of time because now you don’t have to research and then contact perhaps dozens of companies to find the product and price that is best for you.  These are just two examples and there are many, many more ways you can save time and money on SavingStreet™.
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3. How do I make sure I get the savings?
It’s simple.  All you have to do is click through SavingStreet™ to any of the companies listed.  You will automatically get the discount available.  In addition, if you would rather call the company then call the special phone number provided.  Also, always confirm with the company that you are getting the special SavingStreet™ discount.
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4. What types of companies are in the program?
All partners are chosen based on providing excellent customer service and because they were willing to give special discounts or service to you.  Companies spend millions and millions of dollars trying to find people that are moving and or refinancing and they are willing to give significant discounts to you through SavingStreet™.  Just some of the current list of companies includes Allied™ Van Lines, North American Van Lines™, PODS™, 1800PackRat™, American Home Shield™ , Netquote™, Allconnect™, DirecTV™, Home Depot™ and others.
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5. What about privacy? How did you get my email address and is my information completely secure?
The simple answer is absolutely yes…all of your information is completely secure.  SavingStreet™™ is in a strategic partnership with Ellie Mae™, the company that developed Encompass360™ the software your loan specialist is using to process your loan.  Only a few basic fields of information are ever shared with SavingStreet™. Your information is all completely secure within the Encompass360™ database.  And your data never goes to any third party unless you decide to give it to them.
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6. What data drives this program?
Only a few basic fields like your contact information (email address) and key dates such as the application date and expected close date of the loan drive the program.  Please note that all customer information, including your email, is completely secure.  The customer email is not used in any other way nor ever shared with any other company. 
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Professional Van Lines

1. Why should I book through SavingStreet™?
SavingStreet™ has been able to negotiate for a great deal with both of the largest and most reliable full service van line moving companies in the country, Allied™ and North American Van Lines™.  By booking through SavingStreet™ you will get special options like better transit time, double valuation coverage and a guaranteed price.
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2. What is the time period in which I should book my move?
If possible it is recommended that you book your move as early as possible.  Most people underestimate the amount of time required to prepare for your move and full service professional van lines need time to coordinate schedules.   In addition, please keep in mind that there are busy and slow times of the year and month.   Generally, the busy months are April through August and the last weekend of every month is usually the busiest.   So, ideally, starting at least one month prior to your anticipated move day would be recommended.
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3. What is the period of time in which I should start packing the goods?
If your free time is limited, try starting early and packing a little at a time. Start with the things you absolutely need, and work your way towards the essentials. Packing will be more time consuming than you think.
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4. Will my furniture will be packed by the movers?
Yes, full service professional movers pack your furniture as well as all of your other essential items. Light items such as books, linens, clothing, dishes, pots and pans and other miscellaneous items are packed in boxes. Furniture is padded and made ready for transport. Wrapping furniture, vinyl wrapping mattresses, crating glass and marble are examples of how full service movers pack furniture for safe transport. The blankets and tape they use to wrap and secure goods are almost always provided at no extra charge.
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5. What will be the final cost of my move?
Your final moving cost largely depends on the various factors such as the services you wish to receive, the services you are willing and able to do yourself such as packing, whether you will provide your own boxes or wish to purchase clean, unused recycled boxes, the volume of goods to be moved and the distance you are moving.
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6. Can I leave my clothing inside my dresser drawers?
Yes. Dresser drawers that can be removed, hand carried, and replaced can be left filled with clothing and soft goods only. Be sure not to put any fragile items inside the drawers. All other furniture should be transported empty.
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7. How much notice do I need to give to book my move?
As soon as you have selected your mover, you should reserve dates. You may change the dates, as long as there is availability on the new dates that you choose. Too often, customers have made the mistake of planning on using services, but have waited too long to reserve dates. Once a full service van line books to capacity, they stop taking moves. By booking your move as early as possible, you’ll be sure to get the dates that you want. Four to six weeks notice is a good idea in the summer months. Three to five weeks notice is appropriate for the winter months. Most full service van lines will always accept short notice moves as long as they have availability.
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8. Am I covered for damage if I do my own packing?
The advantage of doing your own packing is cost savings, and having the opportunity to purge the things you no longer want. Movers, however, cannot be responsible for your packing skills. If there is no external damage to a container packed by its owner, there will be no liability for damage to the contents. If you have items of value, you should consider having the movers pack them, and be sure to select Full Value Protection before the move begins.
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9. How might I transport my plants?
There are some restrictions on transporting plants from state to state. Most full service van lines are willing to transport your plants as long as they have been inspected by The Department of Agriculture, within ten days of your load date. There is no guarantee that your plants will survive the trip, but it may help to water them more than normal during the week prior to your move.
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10. How can I get my automobile to my new home?
On long distance moves, your autos can be transported inside the moving van with your household goods, billed by weight, or on a third party car carrier. The full service van line will be able to discuss the differences in greater detail, and provide you with pricing for each.
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11. Am I required to tip the movers?
Although it is not required, tipping is common. Unfortunately, the answer to the question of how much to tip is not that easy. Unlike the restaurant industry, there is no standard percent to use as a guide. A gratuity offered to the movers will surely be appreciated no matter how much or how little it is, and no one will be offended if you do not offer a tip. Since the driver assigned to your move is the crew leader, and the manager of your move, you can rely on him or her to distribute your offering amongst the members of their crew.
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12. What items are not allowed in the truck?
Aerosol cans, ammunition, explosives, flammable items, hazardous chemicals, matches, open liquids, paint, perishables, pressurized cans, thinners, turpentine, and anything that might leak or explode in the truck. Please use common sense. If you think it might not be a good idea to ship something, you are most likely right. It is better to replace potentially harmful items in your new location than to have your possessions ruined by them. You are also responsible for draining the fuel from your lawn mowers or any other machinery. Refillable propane gas tanks for barbeques must be purged and sealed by a local propane dealer.
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Truck Rental

1. Are there age requirements for renting?
Yes but many of the companies might differ on their exact policy. In addition, since fees, permissible truck types and minimum age requirements may vary by location, it's best to find the underage requirement in the city where you are renting prior to picking up your rental.
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2. May someone else drive a truck that I rent?
Yes, most companies will allow you to add additional drivers to your rental agreement when you pick up your rental. At most U.S. locations, additional drivers must present a valid, acceptable driver's license, and be at least 21 years old and be required to pay a onetime additional driver's fee.  Again be sure to discuss specifics with the company prior to your rental.
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3. What kind of credentials do I need to rent a truck?
Typically in the U.S. and Canada most drivers must present a valid driver’s license, a major credit/debit card, and perhaps even one other valid form of identification. All items must be in the driver's name.  This policy again may differ from company to company and by location.  In the U.S. drivers typically must present a valid driver’s license and one other valid form of identification. All items must be in the driver's name.

The following are examples of what most companies find acceptable as an additional form of identification:

• Credit or Debit Card.
• Valid U.S. passport or current U.S. military identification card.
• Current employer-issued photo identification.
• Social Security Card.
• Current copy (within the last 60 days) of the customer's cellular phone bill, home telephone bill, bank statement or utility bill.

Be sure to see the terms and conditions on your company and by specific pick-up location.
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4. Is a deposit required to rent a truck?
Yes. Your deposit type, amount and method of payment will vary by company and by location.
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5. Am I required to take the insurance and protection products?
No, but you are responsible for the truck in the event of damage. You should check with your respective insurance company to see if you have ample coverage while renting. In the event you don’t have proper coverage, all truck rental companies sell a variety of optional Insurance and protection plans for your truck rental.
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6. Is a credit card needed to hold my reservation?
Yes, you need a credit card to secure your truck reservation. In addition, the credit card will be used to secure a deposit for the truck in the event of damage. With most companies you may cancel up to 48 hours in advance of your designated pick-up time without penalty. If you cancel within 48 hours of your pick-up time, typically a fee will be assessed.
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7. What types of discounts are available?
Lowest rates are typically available Sundays through Thursdays as truck rental companies are always very busy on the weekends.  Also, pricing might be higher the last weekend of any month.
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8. May I use the rental truck to tow my own vehicle?
Only if you use approved towing equipment.
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9. What should I do if I'm involved in an accident?
First, contact the police to complete an accident report, then immediately contact the location from which the truck was rented. You can find location phone information on the front or back of your rental agreement.
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10. What happens if I don’t return my truck on the designated return date?
If the truck isn’t returned on or before the due date, the truck rental company may obtain additional credit card hold authorizations to cover expected rental charges. You MUST have the truck rental companies authorization to extend any due date by calling their customer service number.   
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Container Based Moving and Storage

1. Why should I book through SavingStreet™?
SavingStreet™ has been able to negotiate great deals with both of the largest and most reliable container based moving and storage companies in the country.   By booking through SavingStreet™ you will get special discounts like an additional 10% discount on your move or first month of storage with PODS™.
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2. How does container based moving and storage work?
Container based moving and storage is a very flexible way to handle your move.  With container based moving and storage the company brings the container to your home and then you typically can take your time packing.  When you are ready you simply call the company and they pick up the container and move it to your new house or store it in one of their warehouses. Then, when you are ready to move they would deliver it to your new house.  This is obviously fantastic if you are caught in between moves or if you know you need more flexibility.  Container based storage is a great way to get space for your remodeling or home improvement project.  You can get a container delivered and move out everything from the room or section of the home that you are working on.  And you can leave that container in front of your home or of course they can store it for you at their warehouse.
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3. Why might container based moving and storage be good for me?
Container based moving and storage typically is much less expensive than full service van line companies because you do the packing yourself.  It is of course much more expensive than renting a truck however because the company is moving all of the items for you.  This option would also be very good for you if you need added  flexibility.  You can take your time packing rather than trying to manage your entire move in just one weekend (you don’t want to rent a truck for weeks).  In addition, the company can store all of your belongings in their warehouse until you are ready to move.  Finally, this option is fantastic for storage and for remodeling or home improvement projects.  For general storage it is easier and your items will move with you.  With regular storage you might have to rent a truck to get your belongings there.  With container based storage they bring the container to you and take it to the warehouse…so renting a truck is not necessary.  And if you are someone that moves a lot, this option is fantastic for storage.  The next time you move you won’t have to rent a truck, get all the items out of storage, move them to a new facility and unload the truck again.
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4. How is container based moving and storage different from renting a truck?
Container based moving and storage companies bring the container to you unlike the process of renting a truck.  When you rent a truck you have to reserve the truck, drive to the location (and find someone to take you so they can drive the car back), rent the truck and then drive it home.  And then you have to do that all again when returning the truck. 

With container based moving and storage you load and unload at your own pace.  This is true because it is often the same price if you keep the container up to a month.  But you need to check with your local government on any specific ordinances.  In addition, it is typically easier to load a container than loading a truck as they are ground level.  There is no strenuous lifting putting your possessions into a truck.

If you need flexibility in your move than container based moving and storage might also be a great alternative to renting a truck.  This is because they can store it until you need the items.

Container based moving and storage is typically much more expensive than renting a truck because they are moving all of your items for you…and potentially storing them as well.
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5. How is container based moving and storage different from a full service van line company?
With container based moving and storage the company brings the container to your home and then you typically can take your time packing.  When you are ready you simply call the company and they pick up the container and move it to your new house or store it in one of their warehouses. Then, when you are ready to move they would deliver it to your new house.  With a full service van line they typically come early in the morning, do all of the packing and loading for you and then move your items as well.

Container based moving and storage is typically much less expensive than a full service van line company because you are doing the packing and the loading.
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6. How is container based storage different from other storage options?
With regular storage you typically have to rent a truck to get your items to the storage facility.  With container based moving and storage they bring the container to you and you load it there.  They pick it up and store it in one of their secure warehouses.

With traditional storage you typically can gain access to your items any day of the week at any time.  With container based storage you typically have to make a reservation to gain access to your things.
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7. Will the container protect my belongings?
Yes.  Containers are made out of very strong materials and are of course weather and water proof.  The construction is designed to even protect items with very heavy winds.  In addition, typically you have the only key to the container and their warehouses are very secure.
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8. How can I figure out how many containers I need for my move?
Containers from any of the companies are designed to accommodate a typical household. Larger households will require multiple containers. In general, each 8x7x7 container may accommodate 1 room, each 8x8x12 container may accommodate 2-3 rooms, and each 8x8x16 container may accommodate 3-4 rooms. As every household is different, the customer is responsible for assessing the container capacity for their belongings. Container sizes are approximate.  Long distance moves might require the use the 8x8x16 container.
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9. Can the delivery of containers be staggered?
Yes. ….scheduling technology permits flexible delivery and pick-up days for convenient loading and unloading.  For example, PODS™ containers can be delivered and picked-up based upon the day of your moving requirement, schedule permitting.
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10. Can the company pack and load the container for me?
Yes, any of the companies can recommend companies for packing, loading, or unloading in each of our locations.
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11. How long do I have to load or unload the container?
The company typically allows you to pack your PODS™ container at your leisure. There are no deadlines, time pressure, you move when you are ready.  Of course, again be sure to check on local ordinances.
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12. How fast can I get a container?
You can often can get a container the next day depending on availability.
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13. Do I have to be there when the container is dropped off?
No, although all the companies would recommend that someone be present whenever possible. And the customer is responsible for ensuring that there is adequate clearance and accessibility for the desired location of the container.
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14. How long would it take to have my container delivered to the new location?
Delivery time depends on a variety of factors, which include availability of delivery vehicles and the distance to the delivery location.
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15. Are there any restrictions to using this kind of service?
The containers are permitted at most locations. If the company is aware of regulations in your area, you will be informed at the time you place your order.
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16. Can I fit multiple containers in my driveway?
Yes, most driveways that will allow for two vehicles to be placed side by side or end to end will accommodate two containers to be placed. 25 feet in width and 15 feet in height will allow for side by side placement. For end to end placement, we need 12' in with, 15' in height and 33' in length.
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17. How can I find out about local regulations?
Companies like PODS™ will inform you of any regulation that they are aware of. If they do not have information for your area, a quick internet search on the city website would provide the information.
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Moving Boxes, Supplies and Packing

1. Can I get boxes and moving supplies?
There are many ways to get boxes and moving supplies.  Of course, it also depends on how much you might want to spend and what quality you are looking for.  For major moves it is recommended that you find strong, sturdy boxes and supplies.  You can order them here at SavingStreet™ or you can go to the following:

• A nearby box store
• An office supply store
• A grocery store (…make sure you are using non food boxes)
• A truck rental company

If you order them on SavingStreet™ you will get high quality boxes and supplies and they would be shipped to your door.
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2. Can you give me some tips on packing?
There is much more information in the resource section of SavingStreet™ but following are some general tips:

• Be methodical and safe in your approach
• Pack everything that belongs in a particular room together in a room labeled box
• Pack one room at a time, packing smaller items first to get them out of the way
• Carefully mark and tape each box
• Put heavy items in small moving boxes to make them easier to carry and to avoid breakage
• Always mark boxes that contain fragile items
• Cushion the bottom of the box with bubble wrap or packing paper and wrap every item in at least one layer of packing material
• Be sure to pack separately essential items you will need while your belongings are in transit….change of clothes, toothbrush and toothpaste, etc.

Pack a suitcase or box for each member of the family several days in advance and keep these boxes or suitcases in a safe place.
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3. How do I pack china, glassware, silverware and similar items?
Glassware is often the most difficult item to keep protected during a move.  It is highly recommended that you search for special packing materials for these items – generally called a dish pack -- made from very sturdy corrugated carton that has compartments for common sized  glassware.  This can usually be found at any local moving or storage company that sells moving supplies but be sure to call them first as this is a somewhat select item.

Before putting an item even in this type of box, wrap all pieces individually in clean paper or special wrapping paper.  A generous amount of paper padding and cushioning is required for all china and glassware.  Also consider placing cushioning material at the bottom or the top of the carton.  Plates, platters and other flat pieces of course are best if used as the lowest area.  And, be sure to label these cartons as ‘fragile’.
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4. How do I pack cups and glasses?
As with china, it is recommended that you use a dish pack for all glass cups.  Wrap all glass cups individually with wrapping paper and take special care with how you protect any glass handles.  It is always best to place these cups upside down when then packing them.  If you decide not to use a dish pack then be sure to wrap each cup individually with more paper than if you had a dish pack.  Pack upside down and try to make sure all handles are facing in the same direction.
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5. How do I pack lamp bases and shades?
After removing the light bulb and lamp harp, wrap the base, harp and bulb separately in newsprint. (Use paper pads for large lamps.) Place them together in a carton, filling spaces with crushed paper. More than one well-cushioned lamp may be packed in a carton.  Never wrap lamp shades in newspaper. Carefully wrap each shade in three or four sheets of tissue paper, a pillowcase or a large lightweight towel.  To allow for movement, use a sturdy carton at least two inches larger all around than the largest shade. Line it with clean paper, using crushed paper under the lamp shade to create a protective layer, but not around the shade. Do not pack other items with shades. Label cartons "LAMP SHADES — FRAGILE."  It is best to have the moving company crate large Tiffany-type or other glass lamp shades or chandeliers.
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6. How do I pack tapes, CDs, records etc.?
Remove these items from the stereo or storage cabinet. Keep in mind records are heavy and should be packed in small cartons.  If records are not in jackets, wrap individually in tissue paper or plastic wrap to protect them from being scratched.  Stand compact discs and records on edge, never flat, on a layer of crushed paper and support then at both ends with a large, hardcover book or several pieces of cardboard cut to fit. Top with another layer of crushed paper. Identify contents on the outside of the box and mark "FRAGILE."  Cassette tapes should be placed in the protective plastic box in which they came, if possible, and then wrapped individually in crumpled paper. Place individual tapes either vertically or horizontally on a couple of layers of crushed paper.
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7. What things am I not going to be able to move?
You will not be able to move hazardous materials or perishable materials.  Hazardous materials include items are those that are explosive or even flammable or perhaps toxic, gaseous or corrosive. The list includes the following although this is not inclusive; matches, gasoline, propane and propane tanks, chemicals including pool chemicals, motor oil, cleaning solvents, fire extinguishers, car batteries, fertilizer, pesticides, poisons, paint or paint thinner, liquid beach, charcoal and of course ammunition.

Perishable items includes food , plants or other living things that might die or spoil while being moved. These are items that a professional mover might not be willing to move and you should take great care in moving yourself. Regulations vary by carrier but sometimes for short distance shipments that can be delivered within 24 hours, the company might be willing to move them if they are packed appropriately.
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Disconnecting and Connecting My Home

1. Who is Allconnect™?
Allconnect™ is the leading provider for connecting consumers with home services and utilities. Since 1998, they have helped millions of people set up services like power, home phone, cable and satellite television, high speed Internet and home security, all at no cost. It takes just one click or call to find the greatest selection and guaranteed best price on the services that matter most for your home.
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2. Why should I use SavingStreet™ and Allconnect™?
When you go through SavingStreet™ to get to Allconnect™ on line, or when you call the special SavingStreet™ phone number, you will get up to a $100 Home Depot™ gift card absolutely free!  So not only will you get one specialist to help you with everything and guarantee you the best pricing, but you will be able to shop at Home Depot™ with a free gift card.
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Homeowner’s Insurance

1. Why should I use SavingStreet™ to find the best home insurance policy for me?
SavingStreet™ makes it as easy as possible to find the best home insurance policy for you.  We partnered with a company called Netquote™ where you can simply fill out one application and the best home insurance companies will compete for your business.  So, rather than calling several companies and answering all the same questions, this will allow you to save a lot of time and be able to easily compare pricing and products.
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2. Why might I need to buy home insurance?
There are several major reasons for homeowners to buy home insurance.  Just a couple of those reasons include the fact that a home (and its contents) is one of the most important assets that a person has and a person needs to protect that home from damage or even destruction.  Also loan specialists require homeowners to carry insurance to protect the lender's investment from damage or loss and they will not give the loan unless you have home insurance.
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3. What types of risks does the average home insurance policy give me protection from?
There are several major risks that home insurance protects you from but be sure to always check your individual policy carefully.  Those major risks include damage or loss to the home itself as well as other structures on the land, damage or loss to the items of personal property in the home and other structures on the land and injury or harm to third parties while on the property.  Be sure to read your policy carefully.
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4. Who is covered by a home insurance policy?
As the insured owner of the policy you and others that live in the home are covered for the loss of the home and its contents. Third parties are covered through the liability portion of the insurance policy for injuries if it is caused by your negligence. Also, you and the members of your household typically have some liability protection to others even while you are away from the property.  But be sure to check your own policy carefully.
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5. What are the different deductibles and what level of deductible should I choose?
The deductible is the amount of money you would have to pay yourself on each claim. You can only collect on your insurance policy of course once the deductible amount is exceeded. And of course, a policy with a $100 deductible will cost more than one with a $500 deductible.  So when you are deciding what policy is best for you, obviously take into account the cost you want to pay and the risk you want to mitigate.
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6. What does property damage in a home insurance policy typically cover?
There are many natural causes of property damage.  Property damage coverage helps repair your home and personal property when damaged by fire, lightning, wind or even hail.  You should carefully read your policy before you have a loss to determine exactly what types of losses will be covered.  For example, flood and earthquake issues are only covered when the coverage is added to your policy…and this can be a considerable expense in some areas of the country.  So please review your individual policy carefully.
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7. What does personal property insurance coverage include?
Personal property coverage typically covers the contents of your home and other personal belongings owned by you or family members who live with you are covered under the policy equal to 50 percent of the value carried on your dwelling. But this can vary by policy so please review your individual policy carefully.
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8. What is personal liability insurance coverage?
Personal liability coverage protects you and all of your family members (who live with you) against a claim or lawsuit resulting from bodily injury or property damage to others and for which you become legally obligated to pay.
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9. Are there any ways I can get a lower premium?
Strongly consider a higher deductible so you can cut your premium. You might think about your homeowners insurance as catastrophic coverage only, and set aside your premium savings to cover minor repairs.
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10. Does my homeowner insurance policy cover flood damage?
Generally, homeowner insurance policies do not offer protection against flood losses. You should check your policy carefully. Flood insurance is available through the federal government's National Flood Insurance Program. It may be purchased through any licensed property/casualty insurance agent or through many private insurance companies that are now writing flood insurance under arrangements with the Federal Insurance Administrator.
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11. What is a credit score?
A credit score is a snapshot of your credit at one point in time. The credit information from your credit report is put through a mathematical formula (credit scoring model) that assigns weights to the various factors and summarizes your credit information into a three-digit number ranging from zero to 999.
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12. How is credit scoring used in determining the cost of insurance?
Some insurers use credit information along with other more traditional rating factors, such as claims history to determine the rate you would pay. Other insurers may use credit alone to determine your rate. Insurance rates can vary from company to company so if you feel your rate is too high, shop around.  And Netquote™ is the easiest way to do this.
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13. How much homeowner’s insurance do I have to carry to be approved for a loan?
Lenders will ask you to carry insurance as security for their investment, just as they may require fire insurance and other types of coverage as investor protection. If you’re financing, lenders will require you to carry at least 80% of the value of your home or up to 100% of the amount of the mortgage.
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Home Warranties

1. What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of many of the most frequently occurring breakdowns of home system components and appliances.
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2. Why do I need a home warranty?
Your home is most likely one of your biggest investments. Unexpected repair or replacement costs can easily strain your budget. Plus, finding an approved and insured contractor to solve your problem can be stressful and inconvenient. A home warranty cannot prevent systems or appliances from breaking down, but it can help make covered repairs or replacement easier and less costly.
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3. How does a home warranty work?
When a covered item breaks down, request service by calling their toll free 800 number to speak with a highly-trained AHS customer service representative or visit them online. They are there 24 hours a day, 7 days a week, 365 days a year to accept your service request. After your service request is received, one of their approved and insured contractors will contact you to schedule a time to diagnose your problem. A low Trade Service Call Fee, per trade, is due when the contractor arrives to diagnose the problem. Once repair or replacement is complete, and as long as they have your proper email address on file, AHS will send you a follow-up customer satisfaction survey regarding the service preformed.
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4. Why should I choose American Home Shield™?
AHS leads the home warranty industry with over 35 years of experience caring for their customers, and today they have over 1.3 million home warranties in force nationwide. AHS is committed to and solely focused on providing relief from home repair hassles, and continues to deliver innovative home warranty products to their customers.

Your home is likely one of your largest investments – don’t trust the covered repairs or replacements to just anyone. Their network of over 11,000 approved and insured contractors are monitored and graded by our customers to help ensure satisfaction. Make the right choice in case things go wrong.
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5. Is everything in my home covered by the AHS Home Warranty?
No. While not everything is covered, they do offer coverage for many of the most frequently occurring breakdowns of home system components and appliances. Please review sample contract for specific covered items, terms and conditions, limitations and exclusions.
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6. How many times can I use my AHS Home Warranty?
Unlimited during your contract term. Currently, they have over 1.3 million active warranties in place nationwide, and on average, over 2 service requests are made by our customers each year. In 2007, that resulted in over $304 million spent nationwide to take care of their customers by repairing or replacing covered items.
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7. What if I have an appliance that just can’t be fixed?
If AHS determines your covered system component or appliance can’t be repaired by a service contractor, it will be replaced.*
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8. What out-of-pocket expenses will I have?
For each service request, you will pay a Trade Service Call Fee to each contractor of a different trade (plumber, electrician, etc.) who visits your home to diagnose a problem or perform service. There may be additional costs associated with the repair or replacement of covered items. Details will be included in your contract.
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9. How do I know my service contractor is qualified?
Their comprehensive network of approved and insured contractors are consistently monitored and graded on their performance through their customer satisfaction survey program.
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10. Is the AHS Home Warranty renewable?
Yes, warranty holders may renew their AHS coverage (at the option of AHS). They will notify the homeowner in advance of the expiration date, and will offer a variety of convenient payment plans.
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11. I'm in the market for a home. What's the benefit of buying a home protected by an AHS Home Warranty?
An AHS Home Warranty helps provide confidence during and after a home purchase. An unexpected, covered breakdown can be devastating to your budget. Enjoy your home without the hassles of covered breakdowns.

When a covered system component or appliance breaks down, call one number or go online 24 hours a day, 7 days a week, 365 days a year to request service. There's no need to get back in touch with the real estate agent or track down the previous owner.
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12. I'm selling my home. Why would I want an AHS Home Warranty?
An AHS Home Warranty helps give buyers additional confidence in the real estate transaction—they’ll know that AHS stands behind the covered systems or appliances in the house. An added benefit is that AHS can also protect your home while it’s on the market which can help you avoid investing more money into a home you’re trying to sell.
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13. My home systems and appliances are old. Does that matter to AHS?
No. The age of a home or its system components and appliances are not important to AHS. The covered items must be in good working condition and properly maintained at the time coverage is purchased.*
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14. Does AHS need to inspect my home systems and appliances before I purchase?
No. A home inspection is not necessary to order an AHS Home Warranty.*
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15. What is a Trade Service Call Fee?
Since it may require more than one contractor or several unrelated trips to the house by the same contractor, (one to fix the pipe, another to fix the dishwasher) there is a fee due for each trade a service call covers. It's perfectly alright to report more than one breakdown at a time. Additional fees may apply if the repairs fall into different categories.*
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16. Is there a limit to the number of repairs AHS covers?
No. American Home Shield™ allows an unlimited number of covered repairs.
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* Not all home systems and appliances are covered. To receive a copy of the contract that details specific coverages, exclusions, and limitations, please call 1-866-634-1442. Coverage includes single-family homes under 5,000 square feet. The trade service call fee applies to the initial visit by a technician for each covered trade. Additional charges may apply to some repairs and replacements. AHS may provide cash back in lieu of repair or replacements in the amount of AHS's actual cost to repair or replace that item, which at times may be less than retail pricing. Systems and appliances 1) will be replaced with units that have comparable features, not necessarily the same dimension, color and/or brand; 2) must be in good working condition on the effective date of contract; 3) designated by the manufacturer as commercial are not covered. Improper maintenance of any covered system or appliance may result in denial of coverage for lack of maintenance. Offer valid for new AHS customers only. Not valid in conjunction with real estate transactions or current AHS contract renewals. Cancellation after the review period is subject to administrative fees and service costs incurred prior to the cancellation date. Refer to contract for state specific cancellation provisions. Void where prohibited by law.

Home Improvement and Remodeling

1. How does SavingStreet™ easily connect me to local providers?
SavingStreet™ partnered with ServiceMagic™ to connect you with local providers.  ServiceMagic™ was founded in December 1998 to make it easier for homeowners to get connected to the right service professionals.
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2. How do I know that these local providers give great customer service and do great work?

ServiceMagic™ gets comments from customers and goes through a 10 point process to verify a professional.  The rules regarding customer comments are as follows:

• Only consumers who have worked with member professionals through ServiceMagic™ can submit ratings & re ServiceMagic™ actively review all ratings submitted by consumer members
• All honest, objective feedback is posted - good or bad
• Service Professionals with a negative trend may be removed from our network

What ServiceMagic™ does to verify the quality of a professional is as follows:

1. Verify Trade License. ServiceMagic™ checks to see if the business carries the appropriate state-level license.
2. Verify General Liability Insurance. ServiceMagic™ contacts the insurance agent of the pro to confirm general liability insurance (bonding information for maid services, or cargo valuation coverage for moving companies).
3. Verification of State Business Filings. For business types that require a Secretary of State filing, ServiceMagic™ confirms that the business is in good standing in the state in which it is located.
4. Criminal Records Search. ServiceMagic™ uses 3rd party data sources to conduct a criminal search for any relevant criminal activity associated with the owner/principal of the business.
5. Sex Offender Search. ServiceMagic™ confirms that the owner/principal is not listed on the official state Sex Offender web site in the state in which the owner/principal of the company is located.
6. Bankruptcy Search. ServiceMagic™ uses 3rd party data sources to check the history of the principal/owner of the business for bankruptcy filings by or against them.
7. Legal Search for Civil Judgments. ServiceMagic™ uses 3rd party data sources to check the principal/owner of the business for state level civil legal judgments entered against them.
8. Liens Search. ServiceMagic™ uses 3rd party data sources to check the principal/owner of the business for liens placed against them.
9. Identity Verification (SSN). ServiceMagic™ verifies the social security number(s) of the owner/principal for identity check purposes. This check applies primarily to smaller business entities.
10. Identity Verification (Reverse Phone Lookup). ServiceMagic™ conducts a reverse business phone lookup to identify records matching the phone number information provided by the business.

Note:  Member service professional information confirmed as described above may change or expire over time; while ServiceMagic™  attempts to maintain accurate and up-to-date information, and confirms changes when notified, they cannot guarantee that profile and screening information is accurate. Therefore, they recommend that before working with a service professional you verify that information presented is still current and/or acceptable to you. Last updated 7/6/07.
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3. Who is ServiceMagic™ ?
ServiceMagic™  was founded in December 1998 to make it easier for homeowners to get connected to the right service professionals.
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