Home warranty and home insurance sound similar, but they're not the same thing. In this video, Katherine explains what each one typically covers, what to ask about before closing, and why it's worth not assuming you're covered for every repair.
Home insurance is usually required by a lender and protects against certain covered risks like fire, theft, or liability, depending on the policy. A home warranty is a separate service contract that may help cover systems and appliances — HVAC, plumbing, electrical, water heaters, and more — though coverage comes with service fees, limits, and exclusions that vary by plan.
Knowing the difference before you close can save confusion later. Reach out if you're buying in Orange County and want help understanding what to look for.