Home insurance will help homeowners to pay for structural damage and loss of personal property from emergencies like theft or fire, while a home warranty covers repairs and replacements of a home's systems and appliances when they fail from old age and normal wear and tear.

 

Homeowners Insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. It provides you with financial protection in the event of a disaster or accident involving your home. It insures your home's structure (house), and your belongings in the event of a destructive event, such as a fire. This means that the coverage includes not only damage to your property, but also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family ( including your household pets).

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Home Warranty Insurance helps protect your budget from the expense of repairing or replacing covered home systems components or appliances when they breakdown. A home warranty insurance covers the cost of repairs and replacements of certain appliances and systems in your home caused by everyday wear and tear
( or aging) and ultimate breakdown of appliances and systems. It will typically cover most major components of large home systems, such as your HVAC (central heating ventilation air condition), hot water heaters, plumbing, electrical and more. It may also cover regular appliances such as washers, dryers, refrigerators, stoves and dishwashers. Here is a list of Home Warranty Companies

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