Home Warranty or Homeowners Insurance? They Work Great Together! | APHW Skip to main content

Home warranty or homeowners insurance? They work great together!


What’s the difference between homeowners insurance and a home warranty?

Hannah has homeowners insurance that protects her home and contents, but it doesn’t cover everything. Home insurance only covers damages from specific events, like fire, water damage, theft, and hail. If a home system or appliance breaks down, Hannah’s on her own.

That’s where a home warranty comes in, helping you repair or replace covered systems and appliances that fail due to normal wear and tear. A home warranty doesn’t replace home insurance, but combining the two can give you even greater protection and peace of mind.

America’s Preferred Home Warranty®


Where a home warranty comes in

With storm season upon us, your home insurance may help in the event of damage from hail or wind—but it can’t help you if your home systems or appliances break down from normal wear and tear. That’s where a home warranty comes in.

Repair or replacement of systems like your furnace or air conditioner can cost anywhere from hundreds to thousands of dollars. A home warranty can help cover these expenses, making it a smart addition to your budget!

While a home warranty can’t replace your homeowners insurance, it can help keep your budget intact for unexpected expenses. So as you’re prepping your home for summer storms, make sure your home systems and appliances are covered too.

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