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A home warranty provides discounted repair and replacement services for household appliances and systems, such as the HVAC, plumbing, and electrical systems.
Home insurance protects your home and personal belongings against major perils like fires, windstorms, and theft. It also provides liability protection if someone is injured while on your property.
If you have a mortgage, your lender may require you to buy a home insurance policy. A home warranty is optional.
For the greatest peace of mind, consider buying both a home warranty and a home insurance policy.