The key difference is that home warranty insurance protects internal appliances and systems for heating/cooling, electric, and plumbing from a number of damages that are usually excluded from a homeowners insurance policy. It covers specific appliances while home insurance covers the structure of your home in addition to your personal property. If you want your HVAC or kitchen appliances covered from wear and tear, consider a home warranty. Home warranty insurance is typically a separate policy you'll need to procure to protect appliances beyond the manufacturers' provided warranty. Appliance and mechanical systems repairs can get extremely costly; home warranty insurance will shield you from potential financial losses if systems like HVAC fails and needs repairs or replacement.