Do you have home warranty protection on your home? If not then you are part of a large group of people who don’t, many of whom believe that their home insurance will cover them against anything that happens to the property. There is however a huge difference between what home insurance plans can offer you and what home warranty plans can offer you and the latter is very important indeed. We spoke to the experts at the customer service team for First American Home Warranty Reviews to find out just why this is so important to have.
Difference in Protection
To give the short answer about the differences between home insurance and home warranty, a home insurance plan projects the structure and the property inside it. Home warranty covers what the insurance does not, and that is the systems inside such as the gas work, the plumbing, electrical systems and even the HVAC system. If something goes wrong with any of these systems at home, your insurance will not offer you any cover at all.
If you live in an area such as California or Florida, states which are prone to natural disasters, then you’ll know that these perils can strike at any given time. If this happens then your home insurance will of course make sure that any damage to the structural integrity of the home is covered, and that any possessions inside the property which have been damaged are also covered. If however the systems inside your home are damaged as a result then your insurer will not help which is why home warranty is so important in such a situation.
One of the most important reasons why both of these covers are so important is because things do unfortunately happen, and plans such as these will save you vast amounts of money. If your toilet is leaking in the home all day, and you arrive from work to a wet and damaged floor, who will call? The insurance will help you to get a new floor and replace the damaged property, but they won’t help you get a new toilet or review the plumbing work to ensure that it is repaired. A home warranty policy here will cover you and ensure that you also have a new toilet, and a fully repaired plumbing system.
Peace of Mind
Ultimately any cover is about getting the peace of mind that should anything occur, you are covered and you won’t have to foot a massive bill to get things put right. This is why you should always ensure that along with your home insurance premium, you have a solid and fully functional home warranty for extra protection.
Take a look today, compare prices, check reviews which other buyers have left and get yourself a home warranty policy which is guaranteed to offer you all the benefits that will help you sleep a little easier at night.