Home Warranty vs. homeowner's insurance

At AFC Home Club, we care about your home as much as you do. We’re here when you need us for emergencies, but we also want to help you get the most out of your home on a day-to- day basis. One of the easiest ways to ensure comfort is by practicing a little preventative care with home maintenance.

Follow this handy checklist from The Art of Manliness to stay on top of your home’s needs throughout the year:

What's Covered by a Home Warranty?

A home warranty is like an insurance policy in that we’re there when you need us most and we back up our work. Home warranty plans may help cover the repair or replacement of a broken appliance. Home warranties may also cover what the Federal Trade Commission (FTC) calls “limited coverage of workmanship and materials” for specific parts of the house in a new home.

What’s not covered in a home warranty? Sometimes that means items covered under a manufacturer’s warranty. Give us a call at 1-866-242-0629 to discuss our coverage policies and what home warranty plan is best for you.

What Does Homeowners Insurance Cover?

While a home warranty may provide coverage for an appliance that’s stopped working, homeowners insurance covers you if someone steals your belongings or your home is damaged by fire? A typical homeowners policy helps protect the physical structure of a home as well as your personal property from covered events (also known as perils) such as theft or fire. However, homeowners insurance typically will not provide protection if, for instance, your air conditioner or other appliance breaks down or is defective.

Homeowners insurance typically also comes with liability coverage which may help provide protection if, for example, you’re found legally responsible after a visitor is injured at your home.

It’s important to note that coverage limits will always apply. A local insurance agent can help you determine whether you have enough protection in place should you experience a loss.

A home warranty and a homeowners insurance policy offer different types of coverage that may give you peace of mind as you consider certain scenarios.To learn what your homeowners insurance policy may help protect — and what it may not — talk with your local insurance agent.

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