Cardinal Insurance Group John Chleboun Agency

Liberty Mutual roadshow in Tempe today! So cool to be inside the San Tan Ford club at ASU

(480) 813-2233
https://lnkd.in/gECbgEwk

If your insurance agent didn’t offer gap insurance on a financed car… and it got totaled—who’s left holding the bag?
You are.
That’s the simplest way to understand the difference between non-traditional vs. traditional home warranties.
Non-traditional warranties give you freedom:
You choose your contractor.
You control the conversation.
You can go beyond the scope of the warranty.
But here’s the catch… they cap what they’ll pay—and those caps are based on retail pricing.
So when that 3-ton AC unit fails and the warranty pays $2,500—but the real cost is $8,000–$10,000—
👉 you’re holding the gap.
Now, to be fair—traditional home warranties have caps too.
The difference is how the work gets priced.
Traditional providers leverage negotiated labor rates, parts pricing, and manufacturer relationships.
That same system replacement is often done at a significantly lower cost basis than retail.
So while there’s still a cap, it’s applied to a discounted, controlled cost structure—not open-market pricing.
Simple way to say it:
Non-traditional warranties give you freedom—but expose you to retail pricing gaps.
Traditional warranties limit choice—but reduce that gap through negotiated costs.
It’s not about which is better.
It’s about understanding where the financial risk actually lands when something big breaks.

In an industry where every shift in momentum can catapult success to new heights, even the smallest gestures can ignite a profound impact, highlighting our unwavering dedication to delivering extraordinary customer experiences as the cornerstone of our business philosophy's remarkable, tangible success stories.