What is a home warranty and does it cover the same thing as home insurance?

A home warranty and a home insurance policy are two different policies that offer different coverage for homeowners. A home insurance policy covers damages and losses to your home and it's contents due to covered claims such as wind, hail, fire, theft, etc. A home warranty can be purchased to offer protection for your home's major systems and appliances should they break down due to normal wear and tear.

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