Home Warranty vs. Homeowners Insurance

When you buy a new home, you want to know that it’s protected, no matter what. You may think that homeowner insurance is all you need, but that doesn’t cover everything—like the items that keep your home up and running smoothly. For that, a home warranty can help cover the gaps.

A home warranty and homeowners insurance are not the same thing, but they work together to protect your home while saving you money. To learn more about how homeowners insurance and home warranties work, keep reading.

What Does Homeowners Insurance Cover?

Homeowners insurance is a mandatory expense when purchasing a home, much like any other type of insurance. For a yearly premium, homeowners insurance covers the repair of your home’s structure if it is damaged during a disaster, such as an earthquake or flood, or an accident, like a fire. An insurance policy will also cover the replacement of personal property if it is stolen in a burglary.

If your oven range was damaged because there was a fire in your kitchen, your homeowners insurance would cover its replacement. But if it broke down because of normal wear and tear, your insurance policy would not cover its replacement. For that, you need a home warranty.

What Does a Home Warranty Cover?

Whether natural disaster or accident, you know that homeowners insurance has got you covered. But what about the items inside your home? Or your home’s systems, like plumbing, electrical, or ductwork? That’s where a home warranty comes in.

A home warranty covers the service, repair, or replacement of your home’s systems and appliances. A good home warranty plan will typically cover:

  • Plumbing
  • Electrical
  • Ductwork
  • Refrigerators
  • Washers and dryers
  • Stoves/Ovens/Ranges
  • Dishwashers
  • Garbage disposals
  • Pools and Spas
  • Sump pumps

While a home warranty is not mandatory when purchasing a home, it can help you save some serious cash on the service, repair, or replacement of your home’s systems and appliances. It gives homeowners peace of mind, knowing that if something breaks down or needs to be replaced, that it will be.

Get Reliable Home Warranty Coverage

A home warranty isn’t a replacement for homeowners insurance. They are both necessary to fully protect your home and the critical systems and appliances inside it. In addition to homeowners insurance, a home warranty can help protect your home from all the things that can go wrong. And when you own a home, there always seems to be something going wrong! But with so many plans and options to choose from, finding the right one for your home can be overwhelming.

Call Today!

First Premier Home Warranty is a leader in affordable home warranty plans for repairs and service. With First Premier Home Warranty, you’ll get comprehensive home warranty coverage at a price you can afford.

With over 30 years of excellent service, First Premiere Home Warranty knows how quickly a household can descend into chaos when something goes wrong. Their team of reliable and fully vetted technicians are committed to identifying your problem and getting it solved quickly and with minimal disruption to your life. With two major plans to choose from and optional add-ons, you can rest easy knowing that the systems that keep your household running are protected, no matter what. Get a free home warranty quote from First Premiere Home Warranty today!

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