What is a home warranty vs homeowners insurance?
By Bob Millaway, South Jersey Community Expert & REALTOR®
Homeowners insurance covers damage from unexpected events like fire, storms, theft, and liability claims. A home warranty covers repair or replacement of major home systems and appliances when they break down from normal wear and tear, such as an HVAC failure or a broken dishwasher. They serve different purposes and are not interchangeable. Most homeowners benefit from having both: insurance for catastrophic events and a warranty for everyday breakdowns.
Why It Matters
Confusing a home warranty with insurance leaves you unprotected. One covers disasters, the other covers breakdowns. You need both for full protection.
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Read the Full Guide
For a deeper dive, check out the HomeCircle Handbook entry on this topic.
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