{"id":102867,"date":"2026-01-26T10:08:22","date_gmt":"2026-01-26T18:08:22","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=102867"},"modified":"2026-01-26T11:21:03","modified_gmt":"2026-01-26T19:21:03","slug":"home-warranty-vs-home-insurance","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/home-warranty-vs-home-insurance\/","title":{"rendered":"Home Warranty vs. Home Insurance: Do You Need Both?"},"content":{"rendered":"<p><b>Key takeaways:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home insurance covers damage to your house and personal belongings due to unexpected events.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A home warranty covers repairs and replacement of appliances and systems due to normal wear and tear.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Having both home insurance and a home warranty is strongly recommended, but only home insurance is required.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Many assume they are the same thing, but a home warranty and home insurance have a few important differences. Whether you\u2019re browsing Redfin to <\/span><a href=\"https:\/\/www.redfin.com\/city\/3879\/OH\/Cincinnati\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">buy a home in Cincinnati, OH<\/span><\/a><span style=\"font-weight: 400;\">, fixing up a <\/span><a href=\"https:\/\/www.rent.com\/tennessee\/nashville-houses\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">rental house in Nashville, TN<\/span><\/a><span style=\"font-weight: 400;\">, or doing some research before moving out of your <\/span><a href=\"https:\/\/www.apartmentguide.com\/apartments\/Washington\/Seattle\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">Seattle, WA apartment<\/span><\/a><span style=\"font-weight: 400;\">, getting familiar with these terms will help you ensure your home is fully covered.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Home warranty vs. home insurance: a quick comparison\u00a0<\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Feature<\/b><\/td>\n<td><b>Home insurance<\/b><\/td>\n<td><b>Home warranty<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Required?<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes (by lenders)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No (optional)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Covers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Home structure, additional structures (sheds, fences, etc.), personal belongings, and liability\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Appliances and home systems (HVAC, plumbing, etc.)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cause of damage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unexpected events (storms, fires, break-ins, etc.)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Normal wear and tear<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cost\u00a0<\/span><\/td>\n<td><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/homeowners-insurance\/average-homeowners-insurance-cost\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">Average $1,411 per year<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Average $350-$600 per year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-102896 size-blog-post\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527-945x630.jpg\" alt=\"A green cottage style house as viewed from the front yard on a sunny day. \" width=\"945\" height=\"630\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527-450x300.jpg 450w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/green-house_shutterstock_2391626527.jpg 1200w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/><\/h2>\n<h2><span style=\"font-weight: 400;\">What is a home warranty?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A home warranty provides coverage for your home\u2019s systems and appliances. Think washing machines, water heaters, and electrical systems. These items go through normal wear and tear, and a home warranty helps you pay for repairs or replacements when they are needed.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A <a href=\"https:\/\/www.redfin.com\/blog\/is-a-home-warranty-required\/\" data-wpel-link=\"exclude\">home warranty is not required<\/a>, but it is recommended. The cost of the warranty varies depending on the company you select, but you can purchase a home warranty at any time.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Who should buy it<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowners with out-of-warranty or outdated systems and appliances\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Buyers who may struggle to cover sudden repair costs out of pocket<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who don\u2019t know a trusted professional for repairs\u00a0<\/span><\/li>\n<\/ul>\n<p><em><strong>&gt;&gt; Read: <a href=\"https:\/\/www.redfin.com\/blog\/how-much-does-a-home-warranty-cost\/\" data-wpel-link=\"exclude\">How Much Does a Home Warranty Cost? A Guide on Average Prices, Coverage, and Tips<\/a><\/strong><\/em><\/p>\n<h2><span style=\"font-weight: 400;\">What is home insurance?\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/www.redfin.com\/definition\/homeowners-insurance\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Home insurance<\/span><\/a><span style=\"font-weight: 400;\"> covers the home itself, as well as other structures like a workshop or shed that may not be permanently attached. If your house or your belongings are damaged due to unexpected events, like natural disasters, home insurance will pay for those repairs or replacements.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Home insurance is required when taking out a mortgage, and a lender won\u2019t approve the loan without it.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Who should buy it\u00a0<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anyone taking out a home loan\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property owners looking to protect their home and personal items from damage or loss<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who want liability coverage in the case of injury on their property<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What is covered under home warranty vs. home insurance?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A big difference between a home warranty and home insurance is the types of damage they cover. While a <a href=\"https:\/\/www.redfin.com\/blog\/what-does-home-warranty-cover\/\" data-wpel-link=\"exclude\">warranty covers<\/a> wear and tear on appliances and systems inside the house, home insurance covers structural damage and loss of personal belongings due to unexpected events like fires and storms.<\/span><\/p>\n<p>Brian A. Payne, president and CEO of <a href=\"https:\/\/www.fieldinsuranceagency.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\">Field Insurance Agency<\/a>, explains the key differences between the two types of coverage. \u201cInsurance covers losses that occur after a covered peril damages property or personal belongings. Common covered perils include fire, wind, lightning, and burst pipes. Insurance policies typically do not cover wear and tear or age-related issues with appliances, which is where a home warranty may provide coverage.\u201d<\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how these coverages work in real-life scenarios:<\/span><b><i><\/i><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b><i>Scenario 1<\/i><\/b><i><span style=\"font-weight: 400;\">: You open your dishwasher to find that the load of dishes you ran last night is still dirty, and a spray arm has detached from the machine. A home warranty will pay for repairs or a replacement dishwasher.\u00a0<\/span><\/i><\/li>\n<li aria-level=\"1\"><b><i>Scenario 2: <\/i><\/b><i><span style=\"font-weight: 400;\">A severe windstorm comes through and a falling tree causes some damage to your roof and crushes your bicycle. Depending on the policy, your home insurance will cover the cost of repairs for the roof, as well as the cost of replacing the damaged bike.\u00a0<\/span><\/i><\/li>\n<li aria-level=\"1\"><b><i>Scenario 3: <\/i><\/b><i><span style=\"font-weight: 400;\">Your toilet leaks while you\u2019re on vacation and causes significant water damage. Your home warranty will pay to replace or repair the toilet, but your home insurance covers the repairs to the damage and any lost personal items.\u00a0<\/span><\/i><\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-102895 size-blog-post\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865-945x630.jpg\" alt=\"A close up of a tree having fallen on the roof of a house as an example of home warranty vs. home insurance. \" width=\"945\" height=\"630\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865-450x300.jpg 450w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/tree-on-roof_shutterstock_1073758865.jpg 1200w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/><\/h2>\n<h2><span style=\"font-weight: 400;\">Do I need both?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To protect their investment, lenders require home insurance before approving a mortgage. If you buy a house outright with cash, you can avoid both a mortgage and proof of home insurance upfront, but it\u2019s still wise to have coverage. Rather than skipping it altogether, <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-much-homeowners-insurance-do-you-need\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">decide how much home insurance you need<\/span><\/a><span style=\"font-weight: 400;\"> and work with your insurance provider to build coverage that\u2019s right for you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While a home warranty is not a requirement, the cost is generally worth the peace of mind. The average price ranges from $350 to $600 per year, and it could potentially save you thousands if an appliance or system breaks down and needs to be replaced.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It may be tempting to decide between a home warranty vs home insurance, but having both offers the best protection. New homeowners often face unexpected appliance failure in their first year. Adding a home warranty on top of your home insurance helps cover those costs, preventing large repair bills right after moving in.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Home warranty vs. home insurance FAQs<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What\u2019s the difference between home warranty vs. home insurance?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A home warranty covers repairs and <\/span><a href=\"https:\/\/www.redfin.com\/blog\/kitchen-updates-how-often-to-replace-appliances\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">replacement of appliances<\/span><\/a><span style=\"font-weight: 400;\"> and systems due to wear and tear, while home insurance protects your home and belongings from unexpected events like fires, storms, or theft.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is home insurance required?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, your lender will require proof of home insurance when you sign your <\/span><a href=\"https:\/\/www.redfin.com\/blog\/closing-documents\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">closing documents<\/span><\/a><span style=\"font-weight: 400;\"> to finalize your mortgage.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I buy a home warranty after moving in?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can purchase a home warranty at any time, or cancel it at any time. Check with your provider to learn specifics about your policy, and be sure to note any cancellation fees.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Does home insurance cover appliance breakdowns?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, home insurance does not cover appliance breakdowns, although it may cover damage caused by an appliance breakdown, like a leak from a dishwasher.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I really need both a home warranty and home insurance?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you want the fullest protection, yes, you should get both. Home insurance is essential for disaster protection and recovery while a home warranty saves you money on common home maintenance and repairs.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can a seller offer home warranty coverage during the sale?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, it\u2019s fairly common for home sellers to include a one-year home warranty in a home sale. This attracts more buyers as it gives them peace of mind during their first year of ownership.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">In comparing a home warranty vs. home insurance, both is best\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When comparing home warranty vs. home insurance, it\u2019s clear that both serve important, and different, purposes. Home insurance is required to protect against disasters and major losses, while a home warranty helps cover wear and tear on appliances and systems. Together, they offer fuller protection and peace of mind for homeowners. If you\u2019re <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-buy-a-home\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">buying a new home<\/span><\/a><span style=\"font-weight: 400;\"> or just want to better protect the one you\u2019re in, consider adding both.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the difference between home warranty vs. home insurance is essential to make sure you have the most comprehensive protection for your home. While you aren&#8217;t required to have both, learning how each can offer peace of mind and significant savings will help you decide what&#8217;s best for you. <\/p>\n","protected":false},"author":828,"featured_media":102896,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[36549,34617],"coauthors":[36461],"class_list":["post-102867","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-faqs","tag-home-buying-process"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding Home Warranty vs. Home Insurance | Redfin<\/title>\n<meta name=\"description\" content=\"Redfin dives into home warranty vs. home insurance: discover key differences, coverage, and why both help protect your home and your wallet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/home-warranty-vs-home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Warranty vs. Home Insurance: Do You Need Both?\" \/>\n<meta property=\"og:description\" content=\"Redfin dives into home warranty vs. home insurance: discover key differences, coverage, and why both help protect your home and your wallet.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.redfin.com\/blog\/home-warranty-vs-home-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Redfin | Real Estate Tips for Home Buying, Selling &amp; 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