Valeriu Gurau

With over 15 years of industry experience, Valeriu Gurau is the founder of Built To Last Roofing. His extensive knowledge and expertise in the roofing business allow him to provide strategic solutions and ensure exceptional operational performance.

Table of Content


  • Homeowners insurance provides comprehensive protection against sudden events, liability, and personal property damage.
  • Home warranties offer limited coverage for repairs or replacements of major appliances and home systems due to wear and tear.


  • Homeowners insurance excludes pre-existing damage, normal wear and tear, and specific perils.
  • Home warranties exclude pre-existing conditions, improper maintenance, negligence, and abuse.

Average Cost (TX)

  • Homeowners' insurance costs around $1,700 per year.
  • Home warranties cost between $300 and $700 per year for a basic plan.


  • Homeowners insurance requires a deductible per claim.
  • Home warranties require a service fee per call, plus a deductible for repairs or replacements.

Waiting Periods

  • Homeowners insurance has no waiting period.
  • Home warranties typically have a waiting period of 30-90 days after activation.


  • Homeowners insurance is triggered by covered perils, such as natural disasters or theft.
  • Home warranties are triggered by normal wear and tear, not sudden events.

As a homeowner, protecting your investment is a top priority. This involves safeguarding your property from unexpected events and financial burdens. But with a plethora of insurance options available, including home insurance, it’s easy to get confused, especially when it comes to the difference between homeowners insurance and home warranties.

While both provide financial protection, they cover different aspects of your home and offer distinct benefits. Understanding the nuances between homeowners insurance and home warranties can help you make informed decisions to secure your property and your peace of mind. Here’s what our team at Built to Last Roofing wants you to know.

Key Takeaways

  • Homeowners insurance protects your home and belongings against sudden and unexpected events like storms, fire, theft, and vandalism. It's necessary for financial protection in case of a major disaster.
  • Home warranties cover the repair or replacement of major appliances and home systems that break down due to normal wear and tear. They offer a safety net for everyday breakdowns and can save you from expensive repair bills.
  • Homeowners insurance is legally required for most mortgage lenders, while home warranties are optional.
  • Homeowners insurance typically covers a broader range of risks and offers comprehensive protection, while home warranties have more limited coverage.
  • Many homeowners choose to have both homeowners insurance and a home warranty for complete protection against both unexpected events and everyday wear and tear.

Homeowners Insurance: Your Comprehensive Protection Plan

pros and cons of Homeowners Insurance

A homeowners insurance policy is a legally required policy for most mortgage lenders. It provides comprehensive coverage against various risks that could damage your home or belongings. Think of it as a safety net for your investment that covers you for potential financial disasters.

According to the Insurance Information Institute, over 80% of homeowners in Texas are covered by homeowners insurance.

What Does Homeowners Insurance Cover?

Homeowners’ insurance policies typically cover:

  • Dwelling Coverage: This ensures that your home's structure, including your roof, is protected against damage from covered perils like fire, windstorms, hail, and theft. If a storm damages your roof, this coverage can help pay for repairs or replacement.
  • Personal Property Coverage: It protects your belongings inside your home, such as furniture, electronics, clothing, and personal items, against covered perils.
  • Liability Protection: This covers you financially if someone is injured on your property or if you cause damage to someone else’s property.
  • Additional Living Expenses (ALE): This covers temporary housing, food, and other essential expenses if you’re unable to live in your home due to a covered event.
  • Replacement Cost: This covers the cost of replacing damaged or destroyed property with new, similar items to guarantee you receive fair compensation for your losses.

What Does Homeowners Insurance Not Cover?

Homeowners' insurance typically does not cover:

  • Normal Wear and Tear: It doesn’t cover gradual deterioration or damage caused by everyday use, such as a worn-out roof, a leaky faucet, or a malfunctioning appliance due to aging.
  • Negligence: It doesn't cover damage resulting from your own negligence, such as leaving a window open during a storm or failing to maintain your property.
  • Pre-Existing Conditions: It generally doesn’t cover damage that existed before the policy was purchased.
  • Specific Perils: Many policies have exclusions for certain perils, such as earthquakes, floods, or acts of war. You may need additional coverage for these specific risks.
Example: If a fire damages your home, homeowners insurance will cover the repair costs and replacement of personal belongings lost in the fire. It will also cover your living expenses if you need to stay in a hotel during repairs.

Home Warranties: Protecting Your Appliances and Systems

pros and cons of Home Warranties

Home warranties, also known as home service contracts, are separate from homeowners insurance. A home warranty company provides coverage for the repair or replacement of major appliances and home systems that break down due to normal wear and tear. Unlike homeowners insurance, which protects against sudden and unexpected events, home warranties cover the everyday wear and tear that can lead to breakdowns.

Nearly 40% of homeowners in the US have a home warranty, indicating its growing popularity.

What Does a Home Warranty Cover?

Most home warranty companies offer home warranty coverage for:

  • Major Appliances: This includes appliances like refrigerators, ovens, dishwashers, washing machines, dryers, and garbage disposals.
  • Major Home Systems: This includes systems like HVAC systems (heating, ventilation, and air conditioning), plumbing, electrical, and water heaters.

What Does a Home Warranty Not Cover?

Home warranties, as a type of service contract, generally do not cover:

  • Pre-Existing Conditions: They usually won’t cover repairs for problems that existed before the warranty was purchased.
  • Improper Maintenance: If the breakdown is due to a lack of regular maintenance, the warranty may not cover the repair or replacement.
  • Negligence or Abuse: Damage caused by negligence, misuse, or abuse of the appliance or system will typically not be covered.
  • Cosmetic Damage: Home warranties usually don’t cover cosmetic issues, such as scratches or dents, that do not affect the appliance’s functionality.
Example: If your air conditioner stops working due to everyday wear and tear, a home warranty will cover the repair or replacement costs, minus the service fee.

Home Insurance or Home Warranty: Which Is Right for You?

Homeowners Insurance Or Home Warranty

Here’s a breakdown of the major differences in the home warranty vs. homeowners insurance comparison:

Ultimately, the choice between homeowners insurance and a home warranty depends on your individual needs and priorities. Consider the age of your appliances, your risk tolerance, and your budget when making your decision.

Built to Last Roofing: Your Trusted Partner for Roof Protection

At Built to Last Roofing, we specialize in all aspects of roofing, from repairs and replacements to new installations. We understand the importance of a strong and protected roof for your home, and we are here to help you navigate the complexities of insurance claims.

We can help you with:

  • Filing a Claim: We can guide you through the process of filing a claim with your insurance company to guarantee you have all the necessary documentation and information.
  • Working with Insurance Adjusters: We can help you communicate with insurance adjusters, ensuring your claim is accurately assessed and that you receive the coverage you deserve.
  • Roof Inspections and Estimates: We can conduct thorough roof inspections to identify the damage, and provide detailed estimates for repairs or replacements.
  • Maximizing Your Insurance Claim: We can help you understand your coverage and ensure you receive the full amount you are entitled to.

Whether you need a roof repair, replacement, or assistance with your homeowners' insurance claim, Built to Last Roofing is your trusted partner for all your roofing needs.

Take Control of Your Home's Safety with Built to Last Roofing!

Choosing the right coverage for your home is essential for peace of mind and financial security. By understanding the differences between these two important coverage options, you can make informed decisions about your insurance and warranty needs.

Remember, both homeowners insurance and home warranties are valuable tools for protecting your investment and having both can provide comprehensive coverage for your home. Purchasing homeowners insurance is necessary for financial security and protection against various risks.

If you have any questions about homeowners insurance, home warranties, or how they relate to your roof, feel free to contact Built to Last Roofing for a consultation. Our team is dedicated to providing you with the best possible protection for your roof and your home! We’ve completed over 1,700 projects and have over 2,500 satisfied customers.

Struggling with Your Insurance Claim?

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Frequently Asked Questions

Is homeowners insurance the same as a home warranty?

No, homeowners insurance covers damages and losses due to unexpected events like natural disasters, theft, and accidents. A home warranty covers repairs or replacements of home systems and appliances that break down due to normal wear and tear.

Do You Need Both Homeowners Insurance and a Home Warranty?

While both homeowners insurance and home warranties provide financial protection, they’re not substitutes for each other:

  • Homeowners' insurance provides protection against unexpected events that could cause significant damage and financial hardship.
  • Home warranties offer a safety net for the everyday breakdowns and repairs associated with appliances and major home systems.

In fact, many homeowners choose to have both to ensure comprehensive coverage for their home and belongings.

How often should I have my roof inspected?

It's best to have your roof inspected at least once a year, especially after severe weather events. A professional roof inspection can help catch minor problems before they become major ones, saving you money and headaches in the long run.

What should I do if my homeowners' insurance claim is denied?

Don't give up! If your insurance claim has been denied, you can often appeal the decision:

  • Review the Denial Letter: Carefully understand the reason for the denial.
  • Contact Your Agent: They may be able to provide insight or guidance for the appeals process.
  • Gather Evidence: Get additional photos, estimates, and reports to strengthen your claim.
  • Request a Re-Inspection: You may have the right to a second inspection if you believe the first was inaccurate.
  • Consider a Public Adjuster: These experts can help you navigate the claims process.
  • File an Appeal: Many insurance companies have formal appeal processes.
  • Seek Legal Counsel: If you believe your claim was unfairly denied, consult an attorney specializing in insurance claims.

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