Doesn't 房产保险 cover breakdowns? 不一定. Homeowners insurance covers what might happen to your home, like damage from flooding or storms. Home warranties cover what will inevitably happen to your home, like system and appliance breakdowns due to normal wear and tear.
Home warranty plans cover what WILL happen
VS.
Homeowners insurance covers what MIGHT happen
等于25 * more likely to use a home warranty than your 房产保险. 为什么? Because unlike insurance, we cover the things you use every day and can’t do without. To learn more, visit our bet3365标准版vs Home Insurance 博客.
*Calculated based on the 2022 唯有通过 claims data compared to insurance claims from Insurance Information Institute.
让bet3365标准版面对现实吧:生活就是这样. Many homeowners prefer to supplement their 房产保险 by also purchasing an 美国本土盾 home warranty plan to fully protect their homes and wallets.
考虑覆盖范围?
听起来是个计划. Find the warranty that fits you best.
一般, a home warranty plan offers coverage for the parts and components of your kitchen appliances, 洗衣机和烘干机, and major home systems such as your heating and AC, 电 and 管道 systems. 报道 also includes repairing or replacing covered items, subject to the limitations and exclusions in your 计划协议.
Home warranties typically have a 12-month 计划协议 term and can be purchased for a low monthly cost. A home warranty is purely elective, but it’s a smart purchase. Homeowners insurance is typically mandatory in order to obtain a mortgage loan and is renewed annually.
