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[Music] the most powerful tools homeowners have when protecting their homes are homeowners insurance and home warranty coverage they sound similar and both provide peace of mind to homeowners so whats the difference between a home warranty and home insurance first lets take a look at what each covers whether you call it home insurance homeowners insurance or house insurance this type of insurance is essential for protecting your house from things that might happen in fact some mortgage lenders require you to purchase homeowners insurance when youre in the process of buying a house what does homeowners insurance cover basically general damage to your home and belongings caused by unexpected events ones that are usually too expensive for people to pay for out of pocket this can include fire and storm damage theft and personal injury liability like automotive insurance or medical insurance homeowners insurance costs involve a monthly payment its important to perform a home insurance