A home warranty, or home protection plan, is a service contract, normally for one year, which protects homeowners against the cost of unexpected repairs or replacement on their major systems and appliances that break down due to normal wear and tear. A negotiable contract between the buyers and sellers which do not overlap or replace homeowner's insurance policy, this type of warranty can save the new homeowner lots of headaches, as well as put seller's fears to rest. The warranty covers mechanical breakdowns, while insurance typically repairs the related damage, for example: if a hot water heater burst and destroyed a wall in your home, the warranty would repair the water heater and your insurance would pay to fix the wall.
Whether you intend to install insulation yourself or hire a contractor, make sure that you know the guaranteed minimum R-value you are looking for. Have any contractor state that installed R-value as part of the bid. Also, prepare for the project by assessing what needs to be done to reduce air infiltration before installation. Include the cost of these added components and labor in your cost calculations. Keep in mind, too, that a tight home requires ventilation, so you may need to take another look at your bathroom and whole house ventilation strategies. Armed with all of this information, select the insulation that meets your energy efficiency, budgetary, and installation requirements. The end result will be a job well done, with energy and cost savings to tally long into the future.