A home warranty is a service contract that covers the repair or replacement of many of the most frequently occurring breakdowns of home system components and appliances.
Why do I need a home warranty?
Your home is most likely one of your biggest investments. Unexpected repair or replacement costs can easily strain your budget if you do not have a home warranty. Plus, finding an approved and insured contractor to solve your problem can be stressful and inconvenient. A home warranty cannot prevent systems or appliances …

If you want to avoid problems with your home warranty coverage, read your contract carefully!  Even the best companies with good intentions can end up in disputes with customers because of a simple misunderstanding.
Buying a new home warranty is much like buying an extended warranty on your refrigerator or car — there are a lot of questions to be asked.
Many states have different laws regarding home warranties. For example, in California, state law allows you to sue builders for general defects for up to four years after …

Homeowners insurance is a necessary product for your home, and in fact is required by nearly all mortgage lenders in order to protect their investment (your property).  A home warranty is a supplemental, optional type of coverage that can protect the homeowner against home systems (HVAC / Roofing / Etc) and appliance failures and spare the homeowner the replacement cost.
Homeowners insurance covers personal belongings and the entire house in case fire, theft, or natural disasters such as lightning, a tree falling, heavy snow …