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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 53 votes): No.

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
Answer: No
Explanation: Home warranty covers most things like home appliances from malfunctioning. Insurance protects the structure of your home, personal belongings, personal liability, etc.
Liberty Mutual Insurance
ProMatcher
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
Answer: No
Explanation: A home warranty is typically a policy purchased by the seller (buyer can purchase one as well), that covers the major systems & appliances of a home & repairs or replaces them when they break down during the coverage period. A homeowner's insurance policy covers against natural disasters and calamities & is required when purchasing a home with a mortgage loan.
Farmers Insurance-Chris Faverty Agency
ProMatcher
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
Answer: No
Explanation: A home warranty will protect the home owner from builders defects and equipment i.e hot water tank. Home insurance covers the property, personal property and liability of the home owner incurred for a scheduled risk.
Farmers Insurance
ProMatcher
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
Answer: No
Explanation: Home warranty is usually a builder warranty or a seller warranty
Pacific Crest Insurance
ProMatcher
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
Answer: No
Explanation: This coverage must be purchased separately.
The Lewis Financial Group
ProMatcher
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
Answer: No
Explanation: Make sure you know the differences in you insurance policies and your home warranties.
Higher Standards Property Solutions LLC
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