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Pro Insurance Group

151 Archer Hill Rd. Suite 2
Follansbee, WV 26037

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Home Warranties and Home Insurance

Home warranties have become a popular way to defray the costs of maintenance and repair for major systems in your home. Essentially, a home warranty is a service contract that will cover some or all of the cost of repair or replacement when one of these systems breaks down. At Pro Insurance Group, we can ensure your home warranty coverage does not duplicate your home insurance coverage.

Understanding Home Warranty Coverage

Home warranty plans are separate contracts you purchase to cover some of the expenses not covered by home insurance. Contracts can vary, but they generally include appliances, plumbing systems, electrical systems, and HVAC repairs. Repairs of these items can be expensive and can occur at the most inconvenient times. Home warranty plans will cover all or some portion of the repair or replacement to the level that is agreed upon in the contract.

How Home Warranties Differ from Home Insurance

A home warranty isn’t a replacement for homeowner’s insurance, which generally offers different types of coverage. It will not cover external damage to your home from weather events, internal damage from fire or theft, nor liability for any injury that occurs on the premises. Your home insurance policy will cover these hazards and others, depending on the type of policy you acquire. 

An experienced insurance agent can help you understand the details of your home insurance policy so that you can make more informed decisions about home warranties.  Our expertise can help our clients make better financial decisions. Call Pro Insurance Group today for a free, no-obligation quote on home warranty insurance and lower your home’s maintenance expenses.

 

Serving clients all across Ohio, West Virginia, and Pennsylvania.

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  • AAA - Auto Club Group
  • Allstate
  • Chubb
  • Dairyland
  • Encompass
  • Foremost
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  • Liberty Mutual
  • Municipal Mutual
  • Nationwide
  • Neptune
  • Progressive
  • RLI
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Wright National Flood