Home Warranty vs. Home Insurance

While both home warranties and home insurance provide coverage for your home, they cover different aspects and types of damage. Home insurance primarily covers your home’s structure and your personal belongings in case of damage due to unexpected events such as fires, storms, or theft. It can also provide liability coverage if someone is injured on your property. On the other hand, a home warranty is a service agreement that covers the cost to repair or replace systems and appliances in your home that break down due to normal wear and tear. This typically includes electrical systems, plumbing, heating and cooling systems, and appliances such as refrigerators and dishwashers. Essentially, while home insurance covers what’s inside and outside the structure of your home, a home warranty covers what’s inside the appliances and systems in your home. It’s important to note that neither home insurance nor home warranties cover everything, so understanding their specific terms, conditions, and exclusions is crucial.

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