Difference Between Homeowner’s Insurance and a Home Warranty:
There are a lot of people buying new homes in our area and during the escrow process, you might be presented with the option to buy a home warranty policy. Have you ever stopped to wonder what’s the difference between that home warranty and the equipment breakdown coverage you might see on your homeowners policy?
Our friends at Safeco Insurance Company provide us this brief explanation…Both types of documents provide coverage for things like well pumps, dishwashers, garbage disposals, ovens, washers and dryers as well as your refrigerator and water heater. The difference is, with equipment breakdown coverage the loss must be sudden and accidental in nature and overall wear and tear is specifically excluded. The Home Warranty on the other hand covers normal wear and tear, whereas accidental damage is not covered. In short, if it’s sudden and accidental there is a good chance your Homeowner’s Insurance will cover it, if it’s an instance of wear and tear we suggest you check with your Home Warranty if you have one.
If you have any specific questions call your agent at Heuer Insurance.
We spent Halloween afternoon cleaning up our “adopted” park. We were fortunate to have beautiful weather and enjoyed the time outside as a team doing our part in helping keep our community clean.
Don’t forget our referral program! Congratulations to Theresa N. and Paula C. They were dual winners in September.
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Above all, THANK YOU for your continued business, we so appreciate it! We have a ton in store for our upcoming 90th Anniversary. Be sure to stay tuned for some exciting announcements…