A lot of homeowners ask the following question: I already have homeowner’s insurance, so why do I need a home warranty as well? It’s a fair question to be sure, but what most homeowners don’t understand is that these two policies actually cover very different things. Homeowner’s insurance covers things like structural damage caused by fire, vandalism, hail, or other scenarios. A home warranty, though, covers your appliances and systems if they break down.

A home warranty is a tremendous benefit to homeowners as it covers the important major appliances and systems that they use every day. Things like your refrigerator, clothes dryer, and HVAC system aren’t covered by your homeowner’s insurance, and if they stop working, you are stuck without a home warranty. Fortunately, a home warranty policy is available online, so home appliance protection is just a click away.

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