What are the potential pitfalls of only having a home warranty and not homeowners insurance?

Shopping for home protection policies can be confusing. Most people don't realize there is a big difference between a home warranty and homeowners insurance. Find out what a home warranty covers that your homeowners insurance doesn't (and vice versa) so you can decide if you need both. Jan 29, 2024 ... What Are the Differences Between Homeowners Insurance Coverage and Home Warranties? · Do you need to protect your home's structure and appliances ... Jul 10, 2024 ... Homeowners insurance covers the structure of your home, but does not cover appliances and systems like your plumbing or HVAC equipment. Mar 31, 2025 ... A home warranty covers home system and appliance breakdowns due to regular use, whereas homeowners insurance covers damage from perils, such as ... Jan 7, 2025 ... By having both types of coverage, homeowners can protect themselves against a wide range of potential issues. Home insurance covers sudden and ... Jan 5, 2023 ... What Do Home Warranties and Home Insurance Cost? ... Costs vary depending on your unique circumstances. Home insurance is higher for older homes, ... A home warranty is an additional product that many people overlook. Your insurance will cover damage and loss. However, your home warranty will cover the bulk ... May 9, 2023 ... Home insurance covers property damage and liability, while a home warranty addresses repair or replacement of major systems and appliances. Aug 3, 2021 ... In addition to accidental damages, homeowners insurance also covers the replacement of personal property due to theft or damage and liability if ...