If you’re not using an Independent Insurance Agency like Crosswinds Insurance Agency, it can be hard, if not impossible to tell the difference between a home warranty and a homeowners insurance policy.
Your home insurance policy won't cover normal wear and tear or mechanical breakdowns. That's precisely what a home warranty is for, designed to supplement your home insurance in case things go wrong around the house. For instance, if your air conditioning unit stops working, a home warranty plan can pay to repair or replace it. Home warranties cover nearly all home appliances and are purchased separately from your home insurance.