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Home Warranty Questions & AnswersWhat is home owners warranty insurance?

What is home owners warranty insurance?

Asked by Tonya Parker
Paul Cody
Paul CodyStaffAnswered on 18-September-2019

Dealing with breakdowns in your home, from HVAC failures to plumbing leaks to malfunctioning refrigerators, can be a headache. Not only will you have to find a reputable contractor, but the cost to repair or replace might be out of your budget.

That’s why homeowners often turn to insurance and warranties, but which option is best for you, and what’s the difference anyway? You’ve probably heard about manufacturer’s warranties, homeowner’s insurance, and home warranty plans.

What Are the Differences?

While all three options generally cover damages to your home’s assets, the types of issues they include and their terms differ immensely. In general,

    • Manufacturer warranties are for individual appliances and only cover for a short time.
    • Homeowners’ insurance allows you to file claims for any property you lose in an accident. These agreements typically offer protection against floods, earthquakes, fires, and other disasters.
    • Home warranty insurance may cover any problems that these other solutions do not. In particular, warranties deal with wear and tear damage on your appliances and systems.

Homeowners Insurance vs. Home Warranty Explanation:


This last point is one of the least-understood concepts in-home coverage. Read the fine print and understand the terms of your agreement carefully when picking up home warranties.

Should a system break down, the company will send a contractor to repair or replace the offending item. The homeowner only needs to pay the monthly fee to continue the coverage.

Choose Liberty Home Guard

Need the protection and peace of mind of a home warranty policy but not sure whether you can afford it? Call us at (866) 495-6462 to request a quote. Liberty Home Guard is dedicated to providing customizable and affordable home warranty coverage to all its North American clients.

Pick and choose between appliancesystem, or complete plans that incorporate everything you want and nothing you don’t. Spend as little as a dollar a day with Liberty Home Guard.