How does a home warranty differ from homeowner's insurance, and do you need it?
Most homeowners are required to have homeowner's insurance by their mortgage company, but a home warranty is an option that can be added on to a home policy.
Homeowner's insurance covers the inside and outside of the home, some personal property, and liability in case someone is injured on your property.
A home warranty is a contract (usually 12 months) that covers appliances and home systems like HVAC, water heaters, plumbing, and electrical. Extras to the main contract may cover electronics, pools, spas, and septic systems.
Is a home warranty worth its cost? Compared to the cost of not having a home warranty and paying out of pocket for repairs and replacements, a home warranty is well worth it.
To review home warranty choices, contact an independent insurance agent who has multiple carriers and numbers of options.
As an experienced independent agent, I can help you compare these options and decide which coverage is best for your circumstances. Call me today @ 706-726-1446.