Homeownership comes with ongoing costs — and some of the biggest ones are the repairs you don't see coming.
Homeowners insurance and home warranties are both designed to help protect you financially. But they don't cover the same things, and understanding the difference matters more than most people realize.
Insurance is there for major, unexpected events — like fires, storms, or theft. But when everyday wear and tear causes your AC to fail, your water heater to leak, or your appliances to stop working, those costs typically fall outside of your policy.
That's where many homeowners run into a coverage gap — and where a home warranty can help fill it.
