Home warranty and home insurance policies provide protection and peace of mind to homeowners in and around Matthews, NC. However, there are significant differences between these two types of coverage. Understanding how each policy works and what is covered can help you make informed decisions when choosing the right protection for your home.

What Does Home Insurance Cover?

Home insurance offers comprehensive protection for your home, personal belongings, and appliances. It provides compensation for covered events, such as fire, theft, or vandalism, and even covers relocation costs if you need to move out during repairs.

Additionally, home insurance includes liability coverage. This protects you from medical and legal expenses if someone is injured while visiting your property. You can also customize your policy by adding coverage for natural disasters or purchasing a rider to protect your home if you rent it out for short-term stays.

What Does a Home Warranty Cover?

A home warranty specifically covers certain appliances and systems in your home, such as your HVAC unit, refrigerator, or stove. Unlike home insurance, a home warranty provides coverage for wear and tear, ensuring you won’t face a large repair bill if a covered system or appliance malfunctions or stops working.

Contact JC Demo Insurance Group for Expert Guidance

Home insurance is essential for protecting your home and belongings, which is why mortgage companies require borrowers to have this coverage to secure a home loan. At the same time, a home warranty can be a valuable investment for additional peace of mind. The team at JC Demo Insurance Group is here to help homeowners in Matthews, NC navigate their coverage options and choose the protection that offers maximum compensation in the event of an unexpected incident. Contact us today for more information.