{"id":4267,"date":"2021-12-08T10:00:08","date_gmt":"2021-12-08T18:00:08","guid":{"rendered":"https:\/\/www.summerhillhomes.com\/blog\/?p=4267"},"modified":"2023-04-30T01:54:42","modified_gmt":"2023-04-30T08:54:42","slug":"whats-the-difference-home-insurance-vs-home-warranty","status":"publish","type":"post","link":"https:\/\/www.summerhillhomes.com\/blog\/2021\/12\/08\/whats-the-difference-home-insurance-vs-home-warranty\/","title":{"rendered":"What\u2019s the Difference? Home Insurance vs. Home Warranty"},"content":{"rendered":"\n<p>Many people confuse home warranty and home insurance but they\u2019re not interchangeable. While they both offer protection, they serve different functions Let\u2019s break down the difference.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">What is a home warranty and what does it cover?<\/h3>\n\n\n\n<p>A home warranty is a kind of insurance for certain components of your home that can help finance costly repairs. Home warranties provide coverage for the service, repair, and replacement of essential systems, like plumbing and electrical systems, and appliances, usually items that aren\u2019t covered by traditional home insurance (more on this later).<\/p>\n\n\n\n<p>Home warranties can help reduce the out-of-pocket costs of\nexpensive repairs and replacement from normal wear and tear.<\/p>\n\n\n\n<p>With home warranties, you pay a flat fee for service on your plumbing or electrical systems or appliances. Your warranty provider will send an approved service professional to diagnose and repair the issue if it\u2019s covered in your policy. If the item can\u2019t be repaired, it will be replaced with a similar item. <\/p>\n\n\n\n<p>Another benefit of home warranties is the ability to\ntransfer policies to the next owner, unlike insurance. You can even request a\nseller provide a home warranty as part of your home offer.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">What is home insurance and what does it cover?<\/h3>\n\n\n\n<p>Home insurance provides protection for a home\u2019s structure\nand property, the homeowner\u2019s personal property, and provides liability\nprotection for injuries that may happen on your property. <\/p>\n\n\n\n<p><a href=\"https:\/\/www.summerhillhomes.com\/blog\/2020\/04\/28\/why-you-need-home-insurance\/\">Home\ninsurance<\/a> covers your home and any unattached structures on your property\nfrom hazards like vandalism, theft, and natural disasters such as fire, wind damage,\ntornadoes, hurricanes, and thunderstorms (check with your individual policy to\nverify covered events). It may also provide coverage in case your belongings\nare stolen or destroyed by a covered event, even if it happens away from home.<\/p>\n\n\n\n<p>Your mortgage lender requires you purchase home insurance as\na condition of securing financing.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Is a home warranty the same as home insurance?<\/h3>\n\n\n\n<p>In short, a home warranty isn\u2019t a replacement for home\ninsurance. Home warranties act as a supplement to your main property coverage,\ntypically covering damages and replacements on items your regular home\ninsurance doesn\u2019t cover. That\u2019s why it\u2019s beneficial to have both. <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Do you need a home warranty?<\/h3>\n\n\n\n<p>Having a home warranty coverage is never required but can be helpful in case you\u2019re worried about managing the full cost of homeownership. Consider if a warranty makes sense for your situation. If you don\u2019t have the cash reserves to cover the costs of repairs or replacement or purchasing an existing home, a home warranty may be helpful. <\/p>\n\n\n\n<p>Reach out to a home warranty professional to learn more\nabout available options and to create a plan that works for you. <\/p>\n\n\n\n<p>Visit us at&nbsp;<a href=\"https:\/\/www.summerhillhomes.com\/\">SummerHillHomes.com<\/a>&nbsp;to\nlearn more about our communities, view virtual tours, and schedule a private\ntour and get ready to find your new home.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many people confuse home warranty and home insurance but they\u2019re not interchangeable. While they both offer protection, they serve different functions Let\u2019s break down the difference. What is a home warranty and what does it cover? A home warranty is a kind of insurance for certain components of your home that can help finance costly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4268,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[452],"tags":[509,523,421],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What\u2019s the Difference? Home Insurance vs. Home Warranty - SummerHill Homes Blog<\/title>\n<meta name=\"description\" content=\"Home insurance vs. home warranty: what&#039;s the difference? 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