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Is a home warranty the same thing as a homeowner's insurance policy?

No
96%
Not sure
3%
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Question: Is a home warranty the same thing as a homeowner's insurance policy?
Top Answer (96% of 55 votes): No.

Answer: No
Explanation: While home warranty and home insurance products may come across as same, they are totally different. The coverage, cost, terms, and conditions vary greatly. Home Insurance is compulsory in some cases whereas home warranty is a recommended choice.
Major Insurance & Tax Group
Answer: No
Explanation: Different
Belocura Cabinetry
Answer: No
Explanation: A home warranty is an optional warranty that may be provided by the seller or purchased by the buyer, which covers the major mechanical components of a home. Homeowners insurance provides you with financial protection in the event of a disaster or accident involving your home. In addition, homeowners insurance policies are generally "package policies." This means that the coverage includes not only damage to your property, but also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family. Homeowners insurance is mandatory and required for all homes that have a mortgage.... where a home warranty is not.
Real Living Kee Realty
ProMatcher
Answer: No
Explanation: Absolutely not. These are completely different policies.
Mutual of Omaha
Answer: No
Explanation: Never. Home Warranty only cover main components of the home. Homeowner's Insurance covers accidental or unexpected damage to the home.
Certified Inspectors, LLC
Answer: No
Explanation: Two complete different things.
Royalty Home Solutions, Inc
ProMatcher
Answer: Not sure
Explanation: It would be best to ask your insurance agent
Gilded Leaf Home Inspections LLC
Answer: No
Explanation: Warranty covers the house against defects in manufacturing. Homeowners insurance covers the homeowner against loss of use, loss of personal items, or physical damage to the home (in most cases.)
Frank Insurance Group
Answer: No
Explanation: A home warranty protects you from the high cost of unexpected failures to the major systems and appliances in your home by repairing or replacing covered items that break down due to normal wear and tear. Homeowner's insurance covers sudden and unexpected damages to the home and your personal property.
State Farm Insurance
ProMatcher
Answer: No
Explanation: No, they are separate services in most cases.
Home Inspection Solutions
Answer: No
Explanation: A home warranty covers maintenance items, whereas a home insurance covers loss of property and physical damage.
Lockhart's Insurance Services
Answer: No
Explanation: Home warranty covers things such as appliances, while home insurance covers contents as well as liability and medical payments.
Hannah Swanson State Farm Insurance
ProMatcher
Answer: No
Explanation: A home insurance policy provides coverage against a vast array of perils. A home warranty is very specific coverage for a very specific set of circumstances with the home.
Rightway Residential Home Inspections
Answer: No
Explanation: Warranty is covered by the supplier and homeowners insurance is a policy provided to cover those items after the warranty is used.
Salinas Lawn Services
Answer: No
Explanation: Home owners insurance provides coverage for sudden and accidental damages. A home warranty provides replacement and repair coverage due to age and wear and tear.
G.L. Anderson Insurance Services, Inc
ProMatcher
Answer: No
Explanation: OK --- These questions are reminding me of classes I have taught. Title to the class? "Why do my answers have to be smarter than your questions?"
Keller Williams Realty
Answer: No
Explanation: No, a homeowners policy insures the owner against specific perils. Contact your agent or broker for details.
Certipro Home Inspections
Answer: No
Explanation: Warranty's cover defects in materials and workmanship typically. Insurance will cover anything you have written into a policy.
Legacy Home Inspection & Appraisal LLC
ProMatcher
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