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Optimum Home Shield

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Optimum Home Shield

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Optimum Home Shield has an unwavering commitment to improving the conditions for homeowners and realtors with industry-leading home warranty plans and exceptional services to the customers we're privileged to serve. We provide our consumers with fast and easy solutions to repair or replace the appliances and systems in their home when malfunctioning due to normal wear and tear.

Optimum Home Shield has an unwavering commitment to improving the conditions for homeowners and realtors with industry-leading home warranty plans and exceptional services to the customers we're privileged to serve. We provide our consumers with fast and easy solutions to repair or replace the appliances and systems in their home when malfunctioning due to normal wear and tear.


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.




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Home Warranties questions, answered by experts

Home warranties are not a necessity, but they’re great for providing peace of mind, even if you already have homeowner’s insurance. A traditional insurance policy usually only covers disasters, like a tree falling into your home, fires, floods, theft, and major vandalism. A home warranty covers individual items, including breakdowns and damage from wear and tear and old age. Unlike with insurance, a home warranty might cover a refrigerator repair or the replacement cost of an oven. Many homeowners find a home warranty is great to have alongside insurance for total coverage.

An improperly installed skylight could potentially impact your roof's warranty. This happens because roofing penetration is necessary during skylight installation. Check your warranty information to verify. In most cases, having skylights professionally installed with proof that flashing is being done to specifications can be enough to preserve your roof's warranty.

Home warranties are like home insurance policies when it comes to pest control—they do not cover pest control services or pest-related damage. However, some companies may offer limited add-ons with dollar caps or the exclusion of a specific pest. Consult your home insurance provider to determine their guidelines for pest coverage.

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 home warranties transfer with ownership, but it depends on the home warranty provider. Some companies automatically transfer the coverage from the seller to the buyer; some require additional paperwork to complete the transfer, and others may not allow a transfer at all. Check the policy or sample contract or ask your home warranty provider to confirm before selling.

The Sebastopol, 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.