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New Beginnings Realty & Lending

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New Beginnings Realty & Lending

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12 years of experience

Our emphasis is on clients who have experienced loan and credit challenges in the past. We offer integrated loans, property management and real estate sales for everyone.As a Realty company, we can help you find the home of your choice and usually within a week. We first identify your critical needs and curtail our home search accordingly.

Our emphasis is on clients who have experienced loan and credit challenges in the past. We offer integrated loans, property management and real estate sales for everyone.As a Realty company, we can help you find the home of your choice and usually within a week. We first identify your critical needs and curtail our home search accordingly.



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SDSI Construction

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SDSI Construction

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17 years of experience

Construction Management specializing in all aspects of Residential and Commercial remodeling and new construction as well as water damage, mold mitigation and remediation. We accept all major credit cards. We work with all major insurance companies on damage claims and warranty projects with little or NO MONEY required from the client.

Construction Management specializing in all aspects of Residential and Commercial remodeling and new construction as well as water damage, mold mitigation and remediation. We accept all major credit cards. We work with all major insurance companies on damage claims and warranty projects with little or NO MONEY required from the client.


DM Mold Inspection and Testing Services

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DM Mold Inspection and Testing Services

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31 years of experience

We at Damage Manage provide our clients with the highest quality of customer service and the most affordable prices in the industry. We provide the area with mold services, but our company also provides our clients with water and fire damage services. We can inspect, test, and restore properties of all sizes. Contact us today to learn more about our services and prices.

We at Damage Manage provide our clients with the highest quality of customer service and the most affordable prices in the industry. We provide the area with mold services, but our company also provides our clients with water and fire damage services. We can inspect, test, and restore properties of all sizes. Contact us today to learn more about our services and prices.



Javier Insurance Agency

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Javier Insurance Agency

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22 years of experience

Specialties: Our mission is providing Insurance products that protect individuals, families, and businesses from the unexpected events of life -- developing personal and business risk management plans to protect their assests and income. One thing I've learned over the years, is that every client is different - and it takes that conversationw ith our clients to able to make sure we're helping them make the best decisions for them in their current situation. I view my role for my clients as an Advocate -- I'm an Advocate for my clients before they start a policy, during and after. History Established in 2003 Ricardo Javier is the owner and founder of the Javier Insurance Agency. Ricardo decided to start the Javier Insurance Agency after 20 years in managemnt. Ricardo has always dreamed about running his own business -- an opportunity for greater customer service within the insurance industry. In 2003, Ricardo saw his dream come true when he started the Javier Insurance Agency -- an insurance agency dedicated to the client has proven to be a winning idea. His agency has earned many awards and distinctions for the quality of business as well as the rapid growth of his agency.

Specialties: Our mission is providing Insurance products that protect individuals, families, and businesses from the unexpected events of life -- developing personal and business risk management plans to protect their assests and income. One thing I've learned over the years, is that every client is different - and it takes that conversationw ith our clients to able to make sure we're helping them make the best decisions for them in their current situation. I view my role for my clients as an Advocate -- I'm an Advocate for my clients before they start a policy, during and after. History Established in 2003 Ricardo Javier is the owner and founder of the Javier Insurance Agency. Ricardo decided to start the Javier Insurance Agency after 20 years in managemnt. Ricardo has always dreamed about running his own business -- an opportunity for greater customer service within the insurance industry. In 2003, Ricardo saw his dream come true when he started the Javier Insurance Agency -- an insurance agency dedicated to the client has proven to be a winning idea. His agency has earned many awards and distinctions for the quality of business as well as the rapid growth of his agency.





"Absolutely atrocious experience with this company. Had issues with our fridge/freezer, so they sent a repairman. We had to defrost the entire unit for 36 hours, so lost all of our groceries. (Loss of groceries are not covered - it's in the fine print.) Fine - we'll get the fridge fixed, right? WRONG. Within a month, the same issue occurred. Sent another repairman from a different company. Had to defrost and lost everything AGAIN. Third time with the SAME issue in the past six months and they want to send ANOTHER repairman from a different company who, wait - you guessed it - needs us to defrost the entire unit AGAIN. With the cost of the plan ($655), each $90 service fee, and loss of groceries, we could've bought a brand new and BETTER fridge. Note: our fridge is still not working properly and we are out nearly $1,000 in Fidelity fees alone. Add in another ~$600 in loss of groceries, and we are nearing $2,000. Fidelity are crooks - plain and simple. They outsource their call center to countries where we can't understand the operators, and when you finally do get a manager on the line, they are extremely rude. We are 100% not renewing our contract with Fidelity. We may have to consider small claims court as well."

Everett V on July 2025

Additional DBAs - Fidelity Home Warranty, Alliance Home Warranty Co, FNHW, Chicago Home Warranty.

"Absolutely atrocious experience with this company. Had issues with our fridge/freezer, so they sent a repairman. We had to defrost the entire unit for 36 hours, so lost all of our groceries. (Loss of groceries are not covered - it's in the fine print.) Fine - we'll get the fridge fixed, right? WRONG. Within a month, the same issue occurred. Sent another repairman from a different company. Had to defrost and lost everything AGAIN. Third time with the SAME issue in the past six months and they want to send ANOTHER repairman from a different company who, wait - you guessed it - needs us to defrost the entire unit AGAIN. With the cost of the plan ($655), each $90 service fee, and loss of groceries, we could've bought a brand new and BETTER fridge. Note: our fridge is still not working properly and we are out nearly $1,000 in Fidelity fees alone. Add in another ~$600 in loss of groceries, and we are nearing $2,000. Fidelity are crooks - plain and simple. They outsource their call center to countries where we can't understand the operators, and when you finally do get a manager on the line, they are extremely rude. We are 100% not renewing our contract with Fidelity. We may have to consider small claims court as well."

Everett V on July 2025

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Home Warranties questions, answered by experts

The cost to install a standby generator is considerable, but they usually come with a warranty. The number of years this is valid for and what it covers will vary. Typically, they last between two and five years, but they don’t normally cover annual services and tune-ups.

In most cases, standard homeowners insurance will not cover sump pump failure, even during a storm. However, some plans will cover damage depending on the source of the water and if the flooding came from a sudden unexpected event, such as a burst pipe not caused by negligence. You will likely need to purchase additional water damage and sump pump insurance to prepare for the event your sump pump cannot do the job. 

The average cost of a home warranty is around $55 per month, but you could pay anywhere from $30 to $125 or more, depending on a few factors. Some of the most significant cost factors include the following:

  • Contract service fee 

  • Items covered by your contract 

  • Coverage caps in your contract

  • Whether or not you can choose your own service technician

  • Home’s location

  • Contract length 

  • Any coverage add-ons

Most homeowners insurance policies won’t pay for the removal of dead, rotting trees. That’s because insurance is intended to protect you from sudden, unexpected accidents. So if a tree is sick, dying, neglected, or rotten but is still standing and hasn’t caused any property damage, it’s unlikely your insurance will cover the cost to have it removed.

Most homeowners insurance policies do not cover termite damage since it’s considered preventable damage. Termite damage is not considered sudden or accidental—it can happen over long periods of time and can be prevented. Proactive pest control and annual termite inspections are the best way to prevent expensive termite damage repair costs.

The Ross, CA homeowners’ guide to home warranties

From average costs to expert advice, get all the answers you need to get your job done.

  • Mother cooking with her daughter

    If you’re looking to add a level of protection to your home’s appliances and systems (like plumbing), you may be considering purchasing a home warranty. Keep reading to learn about the various pros and cons associated with common home warranty plans.

What do you need done? We’ll find top pros.
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  • 🛠 "Fix a leaking pipe under the sink"
  • 🏠 "Repair shingles on an asphalt roof"