Home Warranty vs. Home Insurance
Home warranty or home insurance? You likely want both — they protect against completely different things, and one doesn't replace the other.
Homeowners insurance protects your home's structure and your belongings against sudden, accidental events: fire, storms, water damage, theft, and liability. It's usually required by your mortgage lender, and you file a claim when something damages your home from the outside in.
A home warranty protects the things inside that simply wear out. When your air conditioner, water heater, dishwasher, or electrical system fails from normal use and age, your home warranty helps cover the repair or replacement — something insurance specifically excludes.
A quick example: if a storm tears off part of your roof, that's an insurance claim. If your 12-year-old AC compressor finally dies in July, that's a home warranty claim. Insurance handles the disaster; the warranty handles the everyday breakdown.
Together they close the gap, so you're covered whether trouble comes from a storm or from simple wear and tear. Get a free quote to see what a home warranty would add to the coverage you already have.
Home Warranty vs. Home Insurance FAQs
- How do I get a quote from Eden Home Warranty?
- Request a free, no-obligation quote online in a couple of minutes. Tell us about your home and we'll match you with a home warranty plan and price — with no pressure to buy.
- Is a home warranty the same as homeowners insurance?
- No. Insurance covers sudden damage from events like fire or storms; a home warranty covers the everyday breakdown of your systems and appliances from normal wear and tear. Most homeowners keep both.
- What does a plan cover?
- Plans typically cover major systems — heating, cooling, electrical, and plumbing — plus everyday appliances, with optional add-ons for items like pools, well pumps, and septic systems. Exact coverage depends on the plan you choose.
- How does a claim work?
- When a covered item breaks down, you file a claim 24/7, a licensed local technician from the plan's network is dispatched, and you pay one flat service fee per visit while your plan covers the covered repair or replacement, up to its terms.