Do I need a home warranty if I already have homeowners insurance?

Yes, a home warranty is still beneficial even if you have homeowners insurance. While homeowners insurance covers damages caused by unexpected events such as fire, theft, or natural disasters, it typically excludes the repair or replacement costs of household systems and appliances due to normal wear and tear. This is where a home warranty comes in. It is a service contract that provides coverage for repairs or replacements of essential systems and appliances within your home, such as HVAC systems, plumbing, electrical, or kitchen appliances. By having both homeowners insurance and a home warranty, you can ensure comprehensive protection for your home, safeguarding against unexpected repair costs and providing peace of mind.