Homeowners insurance provides protection for your belongings and your home’s structure and components should they, by chance, incur damage in a hazardous event such as lightning, fire, or natural disasters. Homeowners insurance does not provide coverage for system or appliance inevitable failures from normal wear and tear.
A home warranty covers your home systems and appliances from the repair or replacement costs in cases of inevitable breakdowns from normal wear and tear and keeps your home up and running.