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Connie Douglass
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Homeowners Insurance | Amarillo Team Blog

Monday, September 18, 2017   /   by Doug And Sandi Eudey

Protecting Your New Home: Home Warranty vs. Home Insurance

Newly built homes typically come with a one-year warranty on appliances and systems and a 10-year structural warranty provided for by the builder, but an existing home does not typically come with a warranty.


Your homeowners’ insurance, also called hazard insurance, covers the house itself and your personal possessions in case of a fire, theft or damage, but won’t cover you if your AC fails, your water heater tank breaks or your washer and dryer break down; However, there may be some cases that both your Home Warranty and your homeowners’ insurance may cover a portion of the same event. One example of this is severe water damage to the home due to a plumbing failure.  If there is extensive remediation that needs to be addressed due to mold, water damaged floors and walls etc., then both coverages will come into play. Again a home warranty usually will cover repair items and homeowners insurance will cover large catastrophic items.


Some homeowners get fr ...

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