A structural warranty is not the same as standard home insurance which is typically made up of building and contents insurance. Buildings insurance is usually a minimum requirement of any mortgage agreement and provides cover for damage to the property including fixtures and fittings like the kitchen and bathrooms. Contents insurance on the other hand is optional but can usually be combined with your buildings insurance to provide cover for loss or damage to personal belongings such as your TV, sofas and other valuable items. A structural warranty on the other hand will only protect you against major defects resulting in damage to the actual structure of the building not general wear and tear. For more information please refer to the homeowner's handbook or homeowner section of our website.