Home Warranty vs. Homeowners Insurance

We are often asked what the difference is between a home warranty and a homeowner’s insurance policy.

While most people are very familiar with homeowner’s insurance, the assumption is that it covers all types of damage.  At its core, homeowner’s insurance provides reimbursement for property damage by a natural disaster or theft of personal belongings. A home warranty, on the other hand, covers the mechanical failures that result from normal wear and tear of the major systems and appliances in a home.

A home warranty provides peace of mind and protects the budget from expensive costs to repair or replace items like an Air Conditioning or Heating System. This coverage is available to protect sellers while their home is on the market, and it also transitions to the buyer once the home closes.

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