As a homeowner, it’s wise to understand all your protection options, including the difference between home insurance and a home warranty. At AlphaSure Affordable Insurance Services, serving homeowners throughout the greater San Antonio, TX area, we often field questions about how these two types of coverage work. While they sound similar, they serve very different purposes.
Home Insurance Protects Against Unexpected Events
Home insurance is there to help you recover from sudden and often costly events. If your roof is damaged in a windstorm or someone breaks into your house, your policy can help cover the costs to fix or replace what was lost. It also usually includes liability protection if someone is injured on your property. In short, home insurance is your safety net for the significant, unpredictable challenges that life can throw your way.
A Home Warranty Helps Keep Things Running
A home warranty, on the other hand, is more like a service plan. Instead of covering damage from accidents or disasters, it helps pay for repairs when things inside your home stop working due to normal wear and tear. If your refrigerator stops working or your air conditioning system fails due to age, a warranty may cover the service call and repair. However, it won’t replace your roof or cover fire damage. That’s what insurance is for.
Ensure You’re Covered the Right Way
Understanding how these two work together can help you avoid costly surprises. If you’re not sure what your current coverage includes or if you’re looking to update your policy, contact AlphaSure Affordable Insurance Services, serving the greater San Antonio, TX region. We’re here to help you protect what matters most.