Home Warranty VS Home Insurance

Home Warranty VS Home Insurance

First, let me start by saying it is okay if you thought home warranty and home insurance were the same prior to getting to this blog. I too thought the two were synonyms and could be used interchangeably, though that has changed ever since I first bought my home in 2016. Due to my epiphany, it is only just for me to help shed light onto those who may not know.

So essentially, home warranties and home insurance are the same in one that pays to have a peace mind if anything were to happen to certain items, by either having to pay less for damages/loss or having assistance in getting things replaced/fixed. Nonetheless, they are different in terms of the items covered and how it is arranged.

In an article by Realtor.com, home warranties normally “cover repairs and replacements on systems and appliances due to normal wear and tear” while home insurance covers your home's structure and belongings in the event of a fire, storm, flood, or other accident”. (To Read the article referenced, please visit the following linke: https://www.realtor.com/advice/buy/what-is-a-home-warranty/)

Home warranties are not mandatory, and can be paid for either the seller or buyer, though in some cases seller may the buy a one-year home warranty to entice the buyer and give each other a piece of mind. The residential purchase contract for Arizona has a section that goes over home warranties, while home insurance is arranged outside of the contract and is typically paid for by the buyer.

Since both are different, it is ALWAYS a good idea to speak with your realtor to obtain more information, based off your needs. Feel free to reach out to me with questions as well, as I am happy to help!

Azucena Gonzalez Headshot
Phone: 928-366-8024
Dated: May 14th 2018
Views: 240
About Azucena: ...

Property Search

RSS Feed

View our latest blog posts in your RSS reader. Click here to access. RSS

Search Blog

Recent Blogs

Coffee AND Conquer Friday 15th 2019 - Join my preferred lenders and I
Realtors Are NOT Really Realtors But - ….HOME MATCHMAKERS in disguise
TOP Renovations To Complete Before You Sell Your House KCM - Preparing your home to sell make
City Of Phoenix Permits For Residential Construction And Demolition - We have all seen it before (or

Saved Properties

This is a list of your favorite properties. We will email you if a property is reduced or leaves the market.

Click 'Save' to add a property to this list.

Register / Login

New & returning visitors please enter your information to login.

By clicking 'register' you are agreeing to our terms of use & giving us expressed written consent to contact you.

Questions? Comments? Complaints?

This message will go directly to the head of our team.

Location & Address

Mojica & Associates Real Estate
5121 North Central Avenue Suite B
Phoenix, AZ

Other Locations