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How does home warranty insurance work?
I am a new homeowner. I plan to get home insurance, but I was told I should consider getting home warranty insurance as well. How does home warranty insurance work?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Having the proper protection for your home is important! Home warranty insurance protects your home’s systems and appliances. Unlike home insurance, home warranty insurance will replace items that have stopped working due to age or wear and tear, not just a named peril.
You can only make a homeowners insurance claim if the damage was caused by a
covered peril
. Covered perils are always sudden, unexpected damages. You can use your home warranty even if an appliance stopped working due to age. Some household items and systems covered by home warranty insurance include:
- Air conditioning system
- Heating system
- Plumbing
- Electrical system
- Appliances like washers or dryers
Even if you decide to get a home warranty, that doesn’t mean you should neglect to get a good
homeowners insurance
policy. If you want help finding great coverage for a low price, you should download Jerry
.Jerry is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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