It covers what homeowner policies don’t
Home warranty insurance covers a variety of home appliances. They allow you to repair or replace appliances that breakdown over time or damage, such as refrigerators, microwaves, washing machines, garbage disposals, and more, which can really make a home warranty worth it. Most importantly, home warranty insurance covers major home systems, like air conditioning, duct work, plumbing systems, water lines, electrical systems, and more. Homeowners insurance covers the house itself, protecting you from storm or fire damage — not the home’s working parts.