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What's the difference between a home warranty and homeowner insurance?

What's the difference between a home warranty and homeowner insurance?

homeowner insurance covers: 

1. the home itself 

2. personal belongings

3. certain liabilities home in

Homeowner insurance as protecting you from large issues such as floods, fire, natural disasters, and if the wind blows down. This insurance has bigger issues covered than home warranty while there are some overlapping characteristics with homeowners insurance. Home warranty cover typically two  things: appliances and home system.

Appliances would be garbage disposal, dishwasher, washer, dryer, refrigerator. Home systems would be  HVAC system, furnace, water heater, sometimes even plumbing.

 

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