What’s the Difference Between a Home Warranty and Appliance Insurance?

If you’re a homeowner looking to protect your appliances and home systems, you’ve likely come across both home warranties and appliance insurance. While they might seem similar, they serve different purposes, and knowing the difference can save you time, money, and stress.

Let’s break it down.

What Is a Home Warranty?

A home warranty is a service contract that covers repairing or replacing major home systems and appliances due to normal wear and tear.

Typically Covered:

• HVAC systems
• Plumbing and electrical systems
• Kitchen appliances (refrigerator, oven, dishwasher)
• Washer and dryer
• Water heater

What Is Appliance Insurance?

Appliance insurance—sometimes called appliance protection plans—covers specific household appliances, usually against mechanical breakdowns. This is typically offered by manufacturers, retailers, or third-party providers.

Typically Covered:

• A single appliance or bundle (e.g., refrigerator, washer, or stove)
• Mechanical or electrical failure
• Parts and labor for covered repairs

Key Differences at a Glance
 

Which One Do You Need?

• Homeowners with multiple aging systems/appliances: A home warranty offers broader protection.
• Just bought a new appliance? Manufacturer or extended appliance insurance might make sense.
• Landlords or sellers: A home warranty can make your property more attractive and reduce maintenance headaches.

How Liberty Home Guard Helps

Liberty Home Guard provides comprehensive home warranty plans that go beyond appliance coverage. Our plans protect both essential systems and high-traffic appliances, with optional add-ons like:

• Second refrigerators
• Septic systems
• Pool and spa equipment

We work with licensed, vetted professionals and offer 24/7 service requests.

Final Thoughts

If you’re looking for peace of mind across your home—not just one appliance—a home warranty is the smarter, more cost-effective choice. Appliance insurance has its place, but it’s limited in scope.

Want full protection? Contact Liberty Home Guard to learn how our home warranty plans can cover your home’s most important systems and appliances in one affordable package.