This couldn't be further from the truth. Home insurance and home warranties cover the home in different ways. Home insurance provides year-round coverage for dangerous circumstances such as natural disasters, fire, and theft. Home warranties provide year-round coverage for major and minor appliance repair. It also provides replacement costs in case the appliance isn't salvageable.
A home warranty is costly.
You assume home warranties are expensive because the other bills are expensive. This is the wrong mindset. Home warranties are very affordable. The average cost is 400 to 600 dollars yearly, and when you factor in possible repairs, the cost is reasonable. Besides, most repairs