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Home warranties are becoming more popular than ever. There are commercials for them airing often on television, which has more people considering investing in one. If you are considering purchasing a home warranty, you may wonder if this home warranty will replace your home insurance, or if they can be used in conjunction with one another. Here is a bit of information you need to know.
A Home Warranty Will Not Replace Home Insurance
A home warranty often covers many of the things that a home insurance policy will not cover. This includes replacing an air conditioner if yours dies due to old age or covering repair costs for your appliances. A home warranty does not protect your home against many of the things that home insurance does, such as theft, hail damage or a pipe bursting and flooding your home.
A Home Warranty Does Not Suffice Your Home Insurance Requirements
If you have a loan out on your home, you are required to carry home insurance. A home warranty does not meet this requirement.
You Can Have a Home Insurance Policy and Home Warranty At the Same Time
You are allowed to have both a home insurance policy and home warranty at the same time, and in fact, many people do. A warranty covers items that a home insurance policy may not and vice versa. As such, it may make sense to have both at the same time.
When you have questions about your home insurance policy or are looking for a new one, let Fuhriman Insurance Agency, serving the greater Boise, ID area help. Give us a call and let one of our friendly and knowledge agents answer your questions or give you a free price quote.