Should I consider a home warranty in addition to insurance?
By Bob Millaway, South Jersey Community Expert & REALTOR®
Yes. Homeowner's insurance covers damage from unexpected events like fire or storms. A home warranty covers repair or replacement of major systems and appliances when they break from normal wear and tear. They serve different purposes. A warranty is especially useful for older homes with aging systems.
Why It Matters
Home warranties fill a gap that insurance does not cover, protecting you from the cost of replacing a failed HVAC system or water heater.
Related Questions
Read the Full Guide
For a deeper dive, check out the HomeCircle Handbook entry on this topic.
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