Many homeowners sleep soundly at night, believing a home warranty is all they need to protect their investment. However, a home warranty and homeowners insurance through The Good Insurance Group LLC, serving Bloomsburg, PA, serve entirely different purposes. Having both provides more comprehensive protection for your home.
Why a Home Warranty Alone Isn’t Enough
A home warranty is designed to help cover the cost of repairing or replacing appliances or systems in your home that are damaged due to normal wear and tear. This typically includes items like your HVAC system, water heater, or kitchen appliances, making it a valuable resource for these specific needs.
However, a home warranty does not protect the actual structure of your home or your personal possessions. For example, if a storm damages your roof—a common occurrence—or a fire destroys your living room, your home warranty won’t provide any coverage for these losses.
What Homeowners Insurance Covers That a Warranty Doesn’t
Homeowners’ insurance protects the physical structure of your home, other buildings on your property, and your personal belongings from losses caused by events such as fire, theft, vandalism, or severe weather. It also includes liability coverage in case someone is injured on your property.
Without homeowners insurance, you could be left responsible for costly repairs and replacements. Additionally, most mortgage lenders require homeowners’ insurance as a condition of the loan to ensure the property is adequately protected.
Peace of Mind with Both
Responsible homeowners understand the importance of having homeowners’ insurance. Many also choose to add a home warranty, which can be a smart decision. Together, these protections minimize financial surprises and help keep your home secure, both inside and out.
Looking to protect your home better? Contact The Good Insurance Group LLC, serving Bloomsburg, PA, today. We can help you explore affordable homeowners insurance options that work alongside your home warranty, ensuring you’re covered from every angle.
