You may be asking yourself, why might I need a home warranty when I have homeowners insurance? It's because the two cover very different things.
Your homeowners insurance covers damage to the house itself, outbuildings, and structures on the property. Each policy varies*, but most homeowners insurance generally covers damages from these 10 hazards:
(Check with your insurance company to find out what your policy covers.)
Your home warranty, on the other hand, usually covers a package of appliances or systems. This generally includes HVAC, washer and dryer, kitchen appliances, and electrical and plumbing systems. In addition, you could purchase supplemental coverage for things
like your swimming pool or septic pump.