Doesn't homeowners insurance cover breakdowns? Not necessarily. Homeowners insurance covers what might happen to your home, like damage from flooding or storms. Home warranties cover what will inevitably happen to your home, like system and appliance breakdowns due to normal wear and tear.
Home warranty plans cover what WILL happen
VS.
Homeowners insurance covers what MIGHT happen
You’re 25 times* more likely to use a home warranty than your homeowners insurance. Why? Because unlike insurance, we cover the things you use every day and can’t do without. To learn more, visit our Home Warranty vs Home Insurance blog post.
*Calculated based on the 2022 AHS claims data compared to insurance claims from Insurance Information Institute.
Let’s face it: life happens. Many homeowners prefer to supplement their homeowners insurance by also purchasing an American Home Shield home warranty plan to fully protect their homes and wallets.
Thinking about coverage?
Sounds like a plan. Find the warranty that fits you best.
Generally, a home warranty plan offers coverage for the parts and components of your kitchen appliances, washer and dryer, and major home systems such as your heating and AC, electrical and plumbing systems. Coverage also includes repairing or replacing covered items, subject to the limitations and exclusions in your plan agreement.
Home warranties typically have a 12-month plan agreement term and can be purchased for a low monthly cost. A home warranty is purely elective, but it’s a smart purchase. Homeowners insurance is typically mandatory in order to obtain a mortgage loan and is renewed annually.
Have a plan for your home when things don't go according to plan
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