保修期为设备提供覆盖一个回家d other covered items in your house, while home insurance covers the house itself and your personal property from covered perils.
The difference between home warranty and home insurance
A home warranty and home insurance perform similar functions for the items in your home. They also have some key differences.
When shopping for a home warranty, look for one that offers the most protection for any items in your home. The best home warranties provide coverage for the following systems and appliances in your household:
Make sure to read the fine print of the warranty to determine any limits on coverage, and decide if you are comfortable with them before purchasing the plan. Most home warranties cost anywhere from $300 to $500 a year.
Coverage amounts and coverage areas can vary by state and policy type, so make sure that you understand your coverage options before buying what you need. Most home insurance policies include the following coverages:
You can also opt for additional insurance coverage to protect your home, including:
哪个更好,房屋保修吗or home insurance?
Determining which option is better for your needs is pretty straightforward. Many experts recommend both, but if you have to choose,
a home insurance policy more often gives the best benefits for the amount of money you spend on it
.
Plus, many home insurance policies offer additional protection for systems and appliances in your home for a relatively low price. You may be required to hold homeowners insurance by your lender anyway.