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Your home is your most valuable asset—protecting it properly shouldn’t be an afterthought.
Homeowner's insurance provides essential protection against major threats like fires, storms, theft, and liability claims. But many homeowners don’t realize that this coverage often excludes mechanical failures or routine breakdowns of appliances and home systems. That’s where a home warranty comes in.
A home warranty acts as a service contract that helps cover the cost of repairing or replacing major household systems and appliances when they fail due to normal wear and tear. Think of it as an extra layer of protection for things like HVAC systems, plumbing, electrical wiring, refrigerators, washers, and more.
When paired with a solid homeowner insurance policy, a home warranty gives you peace of mind and protection from costly surprise repairs. A broken water heater or malfunctioning A/C unit can cost hundreds—sometimes thousands—if not covered. A warranty plan can significantly reduce or eliminate that burden.
Many providers now offer bundle deals, allowing homeowners to combine insurance and warranty coverage under one roof—often at a reduced rate. Bundling also simplifies the claims process and improves customer service continuity.
Not sure where to start? It's a good idea to compare several quotes. Rates and coverage options vary significantly between companies, and you may qualify for lower premiums if you’ve upgraded your home’s roof, installed a security system, or gone several years without filing a claim.
Additionally, newer smart home devices can sometimes lower your insurance costs. Devices like water leak sensors or smart smoke detectors not only keep your home safer but also help prevent costly claims—which insurers love to reward.
Quick Tip: If your home is over 10 years old, or your appliances are out of warranty, a home warranty plan can pay for itself with just one major repair.
Don’t Leave Your Home Unprotected
(Explore customized plans and find out how much you could save while securing your most important investment.)