A Home Warranty and Home Insurance in One Place

Erin Easley

Written By Erin Easley

Published 02/17/23
Home Warranty and Home Insurance

The Liberty Home Guard team is always striving to innovate and deliver new tools to support homeowners across America. We’re excited to announce a new feature of our digital platform. You can now get a quote for Progressive home insurance while you look for a home warranty policy on Liberty Home Guard’s site. Whether you’re moving into a new home or revisiting the coverage on your current one, you’ll find that it's never been easier to make sure your home is properly protected.

To help you get the most out of both your warranty and home insurance, let’s review some key differences between the policies and the advantages of each.

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A Home Warranty Vs. Home Insurance: What’s the Difference?

Many new homeowners—and even some experienced ones—wonder about the difference between home insurance and home warranty coverage. Both offer a kind of financial protection for your home and personal property, so why purchase both? Why not one or the other? There are several important differences between home warranty and insurance coverage, and the appropriate policies should complement one another without redundancies.

First, home warranties. Simply put, a home warranty is a service contract that provides repair or replacement coverage for certain major household systems and appliances. Liberty Home Guard’s standard policies, for example, cover the following:

  • Plumbing, electrical, and HVAC systems
  • Water heaters
  • Clothes washers and dryers
  • Refrigerators
  • Dishwashers
  • Ovens, stovetops, and ranges
  • Built-in microwaves
  • Ceiling and exhaust fans
  • Garbage disposals
  • Garage door openers

We also provide optional coverage services for virtually any other piece of home equipment—from personal electronics and generators to sump pumps and bathroom plumbing fixtures—and we offer a suite of home services, including gutter cleaning, pest control, TV mounting, and window washing.

Home warranties are typically provided by third-party companies—that is, companies that don’t manufacture your home equipment. A policy usually requires an annual premium and a small service fee that is due only when the customer files a claim.

Generally, a home warranty will repair or replace a covered item that breaks down from normal wear and tear. If your refrigerator is on the fritz, file a claim, and your warranty provider will have a licensed technician check it out. Your home insurance policy won’t provide that kind of service. Warranty coverage will not, however, replace an appliance that has been stolen or destroyed in a storm or fire—that’s where insurance comes into play.

So, what is insurance? A home insurance policy—also called homeowner’s insurance—provides financial protection against loss or damages to a home and its contents due to events like fire, theft, vandalism, or natural disasters. Home insurance typically covers the structure of the home, as well as any personal property located inside the home. It can also provide coverage for additional living expenses if you are unable to live in your home due to damage or safety hazards.

Like a home warranty, home insurance requires an annual premium. It also is likely to feature a deductible and coverage limit, as is typical of other forms of insurance, such as health and auto insurance. Homeowners should also note that insurance is often a precondition of securing a mortgage from a bank. A home warranty, while a good investment, is not usually mandatory.

Together, a home warranty and home insurance fill in each other’s gaps in coverage. If your oven breaks down after years of general use, you contact your home warranty provider. If it gets destroyed in a small kitchen fire, you reach out to your insurance company.

Home Warranty Advantages: Why Invest in One?

If a home warranty isn’t required to buy a home or be approved for a mortgage, why should homeowners consider purchasing one? Let’s look at some of the primary advantages.

  • Savings and protection. Home warranties protect your belongings and equipment from unexpected repairs and replacements due to age or wear and tear. The right plan will save you money in the long run, as it can be more cost effective to pay for a home warranty than to pay for the repair or replacement out of pocket.
  • Peace of mind. Knowing that your home is protected in the event of an unexpected breakdown can give you the security and assurance that you need.
  • Increased home values. Home warranty coverage has been shown to increase home values. Buyers are often more attracted to homes with home warranty coverage, as it can give them the assurance that the home is well maintained.
  • Simplified budgeting. A home warranty can help to cover the cost of emergency repairs. If something breaks down unexpectedly, you won’t have to worry about coming up with the money to pay for it. This can greatly simplify your month-to-month budgeting because you have a firmer understanding of your financial obligations.

How to Get a Home Warranty Quote and Home Insurance Quote in Minutes

Liberty Home Guard has made obtaining home warranty and insurance quotes as simple as possible. All you need to do is navigate to the top right of our website and click “Get a Quote.” Our digital portal will guide you through the process. Once we have your contact information and a description of your coverage needs, we’ll provide a free quote that clearly outlines your coverage options and expected pricing.

And there’s no need to navigate anywhere else for a home insurance quote. You can use that same digital platform to request coverage and pricing information for home insurance through Progressive.

Want to talk things through with someone? Our team is always ready to help. Call (866)-435-0374 and discuss your needs and expectations as a homeowner. We’ll help you craft the comprehensive and affordable plan that’s just right for you and your home.

Together, home insurance and warranty coverage provide the enduring protection that your home deserves. With Liberty Home Guard and Progressive, you’ll be prepared for any home challenge you might encounter.

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Talk to our Liberty Home Guard Agents 24/7.

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