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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 57 votes): No.

Answer: No
Explanation: HOME WARRANTY IS SOMETHING YOU PURCHASE FROM ANOTHER VENDOR. INSURANCE COMPANIES ONLY INSURE THE DWELLING AND WHAT IS ATTACHED TO THAT DWELLING. THE EXTRAS ARE USUALLY CALLED WEAR AND TEAR AND THAT IS NOT COVERED,
Ligon Insurance and Financial Services, ICN
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
ProMatcher
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
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
ProMatcher
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
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
ProMatcher
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
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
ProMatcher
Answer: No
Explanation: Home warranty is usually a builder warranty or a seller warranty
Pacific Crest Insurance
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
ProMatcher
Answer: No
Explanation: This coverage must be purchased separately.
The Lewis Financial Group
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
ProMatcher
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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