Home Warranty vs Home Insurance — What You Need

Home Insurance

Covers damage from events: fire, storms, theft, liability. Required by mortgage lenders.

Home Warranty

Covers repair or replacement of home systems and appliances that break down from normal wear. Optional, $300-$600/year with $75-$125 service call fees.

Is a Warranty Worth It?

Yes if: Your home is older and appliances are aging
No if: Your home is new or you have an emergency fund

Read the fine print — warranties exclude pre-existing conditions, improper maintenance, and have coverage limits.

Related Guides

Spring Home Maintenance Checklist First-Year Homeowner Maintenance Guide DIY Home Energy Audit Fall Home Maintenance Checklist

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