While both provide a safety net, they cover very different types of risks. Here is the breakdown:

Homeowners Insurance

Homeowners insurance is generally required by lenders before a mortgage is issued. It is designed to protect the structure of your home and your personal belongings from catastrophic events.

• What it covers: Accidental damage and loss caused by fire, lightning strikes, windstorms, and hail.

• Liability: It covers replacement of personal property in case of theft and liability if someone is injured on your property.

• The Florida Note: Standard policies typically do not cover floods or earthquakes. In South Florida, checking your flood zone is a critical step in the insurance process.

• Cost: On average, policies range between $300 and $1,000 annually, depending on coverage limits and deductibles.

Home Warranty

A home warranty is an optional service contract that covers the repair or replacement of your home’s internal systems and appliances that fail due to age and normal wear and tear.

• What it covers: HVAC systems, electrical, plumbing, kitchen appliances, and your washer/dryer.

• How it works: You pay an annual premium and a service fee when a technician comes out.

• Limitations: It won’t cover damages caused by a lack of maintenance or natural disasters (which is where your insurance kicks in).

Which one do you need?

For total peace of mind, most Florida homeowners choose both. Insurance protects you from the "big" disasters, while a warranty protects your wallet from a broken AC in the middle of July!

Not sure which home warranty company is best for your new property? Reach out today! 

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