Texas · A service contract is not a policy
A home warranty pays to fix a worn-out appliance. Homeowners insurance pays sudden damage from a covered peril.
A home warranty is a service contract. You pay a fee, you call them when a listed system fails from wear, and the contract decides whether they repair it. It does not insure the house against hail, fire, theft, or someone getting hurt. It does not replace Coverage A. This page does not rank warranty brands or promise a percent off.
Hail on the roof is a homeowners claim if wind or hail is covered, subject to the hail deductible. A warranty does not buy that roof. Flood is excluded on the homeowners form and is not a warranty item either: flood. The hail split between house and car: hail on the home and the auto. The same product split in Colorado, still not a brand ranking: Colorado home warranty versus insurance.
What the policy is actually for: Texas homeowners, what it covers, the coverages, how it works, and setting Coverage A.
