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  • Writer's pictureCrosswinds Insurance

Home warranty vs homeowners insurance

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.

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