Operating as a Farmers Insurance Agency, specializing in Employer Sponsored Discounted Group Plans. Home Warranty Plans offered thru American Home Shield, one of the largest and oldest warranty companies in the US. We offer free consultation for Home, Auto, Business, and Life Insurance needs also.
A lot of homeowners ask the following question: I already have homeowner’s insurance, so why do I need a home warranty as well? It’s a fair question to be sure, but what most homeowners don’t understand is that these two policies actually cover very different things. Homeowner’s insurance covers things like structural damage caused by fire, vandalism, hail, or other scenarios. A home warranty, though, covers your appliances and systems if they break down.
The following appliances and systems are generally covered, though some will require a premium membership:
Heating
Electrical
Plumbing
Plumbing stoppage
Water heater
Whirlpool bathtub
Microwave
Cooktop
Oven/range/stove
Dishwasher
Garbage disposal