10/07/2026
"HOME WARRANTY vs. HOMEOWNERS INSURANCE — WHAT’S THE DIFFERENCE?
It’s one of the most common questions I hear from buyers—and an important distinction to understand before you purchase a home.
While both provide protection, they serve very different purposes.
A home warranty generally covers qualifying home systems and appliances when they experience normal wear and tear—such as:
✨ Appliances
✨ Heating & air conditioning
✨ Plumbing
✨ Other covered mechanical systems
Homeowners insurance is designed to protect against covered damage to the home and its structure, along with other covered risks outlined in your policy.
So, why have both?
Because they protect against different types of risk.
When you're making a significant investment in a home, understanding the details matters. Knowing what is—and isn’t—covered can help you make informed decisions and avoid surprises down the road.
Luxury real estate isn’t just about the property. It’s about understanding every detail that comes with owning it.
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