The Difference Between Homeowners Insurance and a Home Warranty

Real Estate Agent with The "Z" Team 4 RE, Inc.

When purchasing a new Ventura County home, you must do in-depth research on all facets of the homebuying process. You need to understand how to best protect yourself and your investment if anything were to go wrong. Check out the information on homeowners insurance versus home warranty below to educate yourself on your options.

When buying a Ventura home, it helps to learn about every facet of the home buying process, including the difference between homeowners insurance and a home warranty.

The Difference Between Homeowners Insurance and a Home Warranty

Homeowners Insurance

Homeowners insurance pays for any accidental damages and loss that are caused by fire, lightning strikes, windstorms, and hail. This includes damage from wildfires, which is important for California homeowners who face threats from wildfires every year. However, damage from earthquakes and floods is typically not covered. It also covers the replacement of personal property in case of theft or damage. Additionally, it covers you for liability if a person were to get injured in your home or on your property. According to V Home Insurance, the average annual cost of a homeowner's insurance policy in Ventura County ranges between $545 and $738 per year. The bank usually asks you to obtain a policy before they issue your mortgage. Make sure to keep in mind that each type of coverage in the policy contains a limit. In most cases, you also pay a deductible.

Home Warranty

A home warranty is designed to cover the cost of repairs and replacements of larger appliances and crucial systems in your home that may fail or break due to age and wear and tear. This includes but is not limited to HVAC, electrical, or plumbing components, kitchen appliances, and your washer and dryer. With a home warranty, you are required to pay premiums year-round, even if you do not use it. Also, it does not cover damages if appliances were not maintained properly or if the damage is from a fire or other disaster.

Dave & Pat Zumbrun, your Ventura County real estate specialists

Originally posted on our Ventura County real estate blog here:

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Ventura Real Estate - The

 430 Manzanita Court 
Ventura, CA 93001

(805) 340-9338 - Office

Pat Zumbrun
Associate Realtor®
Cell: (805) 340-9338
DRE #01229401

Dave Zumbrun
Associate Broker
Cell: (805) 340-9339
DRE #01227683

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Comments (4)

Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em:

Thank you for sharing the information. Buyers and sellers in your area will benefit from your expertise. Wishing you continued success.  Have a wonderful day and sell a house.  bill


Jul 05, 2022 10:58 AM
Richard Weeks
Dallas, TX
REALTOR®, Broker

Great information, thanks for sharing.  I hope you have a great day.

Jul 06, 2022 03:13 AM
Jan Green - Scottsdale, AZ
Value Added Service, 602-620-2699 - Scottsdale, AZ
HomeSmart Elite Group, REALTOR®, EcoBroker, GREEN

Great post for anyone buying a home for the first time!  

Jul 07, 2022 11:04 AM
Myrl Jeffcoat
Sacramento, CA
Greater Sacramento Realtor - Retired

There is a distinct and important difference in those two types of insurances.  Your post defines those differences.

Jul 08, 2022 02:36 PM