What is a home warranty vs homeowners insurance?
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.
Related Questions
Read the Full Guide
For a deeper dive, check out the HomeCircle Handbook entry on this topic.
Still Need Help?
Bob answers every question personally. Send your question directly to him.
Ask Bob Directly