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Is a home warranty the same as home insurance?
I’ve owned several homes and still get confused when it comes to the difference between home insurance and home warranty insurance. Can you explain the difference between home warranty and home insurance?
Anthony William · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
There’s a lot to remember with home insurance, so it’s easy to confuse all the
terms
. A home warranty typically covers home appliance repairs or replacements, whereas your home insurance provides a much wider spectrum of coverage. Home warranty insurance is a separate coverage provided by specialized companies. Home warranty insurance is optional recommended if you’d like additional coverage or your appliances’ manufacturer’s warranty is expired.
Home insurance isn’t required by law, but many mortgage lenders make it a requirement. Home insurance contains several sections, including:
- Dwelling
- Other structures
- Personal property
- Personal liability
- Loss of use
- Medical payments to others
Now that you know the difference between home warranty and home insurance, now is a great time to ensure you have the proper home insurance coverage
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And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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