Home Warranty vs Insurance
Home warranties and home insurance both provide protection, but they cover different things. Understanding the difference helps homeowners decide what coverage they may want.
What a Home Warranty Covers
A home warranty typically covers certain appliances or systems if they stop working.
Coverage depends on the warranty agreement.
What Home Insurance Covers
Home insurance focuses on damage caused by unexpected events such as storms or fires.
It does not typically cover normal wear and tear.
How They Work Together
Some homeowners choose to have both. Each serves a different purpose and protects against different risks.
Explore more guides in the Learn Hub section or try the Home Readiness Check™ to see how prepared you are for buying a home.