Yes. A home warranty policy will protect things that usually aren’t included in the homeowners insurance: heating and cooling systems and AC, electricall, kitchen appliances, internal appliances, and plumbing. So, home insurance covers the overall structure (and your personal belongings), while home warranty covers specific appliances. Electric and mechanical systems in your home are prone to wear and tear. What’s more, all repairs (or replacements) are quite costly. Furthermore, there’s a bigger chance that you’ll need to replace your appliances more frequently than, say, your roof. That’s why things that a home warranty policy covers aren’t included in the homeowners insurance policy.