When you are looking into home warranties and home insurance, there may be many complicated aspects that you may be confused about. As a responsible homeowner who wants to protect their property, it’s important for you to do so through being informed regarding the many parts of homeowners insurance. One of the things that may be confusing to homeowners is the difference between homeowners insurance and home warranty. While both home warranty and homeowners insurance in the state of Florida are designed to assist homeowners and occasionally can be confused with each other, they are actually very much different. The level of coverage that each provides as well as the terms and conditions and rates of home insurance and home warranty can vary greatly. While home insurance is compulsory in certain cases, a home warranty is a recommended choice. Read on to learn more about the differences between homeowners insurance and homeowners warranty. Trueway Insurance provides homeowners insurance Florida residents rely on. Call Trueway Insurance in Palm Springs for affordable insurance to protect your home!
What To Know About Homeowners Insurance and Home Warranty
There are certain things you should know about home insurance versus home warranty in order to make informed decisions regarding your home. When it comes to coverage, home insurance in Florida covers your home and belongings in the case that loss happens due to natural or man-made disasters. This means that fire, storm, hurricanes, burglary, and other disasters are generally covered. You are also offered liability protection from third party lawsuits in case the party in question was injured or their property damaged within your property, or if your neighbor came visiting you and accidentally fell down and decided to press charges. In such occasions, home insurance will cover the costs. Home insurance is also mandatory if you have a mortgage on your home. Home warranty, however, covers the cost of repairing the major components of your home, and also protects your plumbing and electrical units as long as they are up to ‘home service contract’ terms and conditions.
We Offer Homeowners Insurance Florida Residents Trust
Home insurance cost in Florida can vary from state to state, and there are several other factors that the cost of your homeowner’s policy can depend on, such as the size and age of your home, location, credit history, and more. If you are looking for affordable insurance for your home, contact Trueway Insurance for a consultation. A home warranty on the other hand doesn’t change from state to state, and the standard warranty will cover a year of protection and also takes care of the repairing or replacement cost of the house’s major systems and appliances.
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When it comes to home warranty versus homeowners insurance, there are many factors that you should keep in mind. Home warranty is generally for the physical house itself, whereas homeowners insurance takes into account outside circumstances. Trueway Insurance in Palm Springs offers homeowners insurance Florida residents trust. Call Trueway Insurance today for your affordable insurance needs!