If you're buying your first home, you're probably hearing a lot of new terms, including home warranty and home insurance. They might sound similar, but they do very different things. Understanding the difference between home warranty and home insurance can help you feel more confident as you start this exciting chapter.
At Starlight Homes, every new home comes with a built-in warranty. Let’s walk through what that means and why it matters to you.
What’s the Difference Between a Home Warranty and Home Insurance?
Let’s start with the basics.
Home insurance helps cover damage from events like fire, storms, or theft. It’s usually required by your lender if you're getting a mortgage.
A home warranty, on the other hand, helps cover repairs inside the home — things like plumbing, electrical systems, and other built-in features. It’s meant to protect you from the cost of unexpected repairs that come from normal use, not major disasters.
So when comparing home warranty vs. home insurance, it’s not about choosing one or the other. They do different jobs, and both can help protect your home.
How a Starlight Home Warranty Helps First-Time Buyers
When you buy a new home with Starlight, you don’t have to pay extra for a home warranty because it’s included. That means if something covered needs attention, you might not have to pay out of pocket to fix it.
This is a big deal if you're moving from an apartment where maintenance was always handled for you. A home warranty can help ease that transition and give you peace of mind as you settle in.
What’s covered?
Our Home Warranty Program includes:
Workmanship Warranty
This covers the fit and finish of your home, like:
- Roof covering
- Cabinets and countertops
- Flooring and tile
- Interior paint, trim, windows, and drywall
Distribution Systems Warranty
This covers the systems that keep your home running, including:
- Plumbing and waste piping
- Ductwork
- Electrical wiring
Structural Warranty
This protects the main structure of the home, such as:
- Foundation and footings
- Load-bearing walls and beams
- Roof framing systems
Want to know more? Learn about our Home Warranty Program.
Real Coverage, Real Peace of Mind
When something goes wrong in a resale home, it’s usually up to you to figure it out and pay for the repair. With a new Starlight home, you have built-in protection and a team ready to help if something needs fixing.
As one of our homeowners, Onessa N., shared:
“Best part for me is the warranty they provide. I love that they go the extra mile to ensure peace of mind for the new owner.”
We make things simple, so you can focus on enjoying your new home.
Home Insurance vs. Warranty — Do You Need Both?
Yes, you need both.
A home warranty helps with repairs to things inside your home, like a leaky faucet or a broken outlet.
Home insurance helps cover bigger issues, like storm damage or a fire.
Most buyers need to get home insurance before closing. But at Starlight, your warranty is already included.
So while people often ask about home insurance vs. warranty, the answer is really that they work together. They cover different things, and both are useful for protecting your home.
When you understand the difference between home warranty and home insurance, you’ll feel more prepared for what comes next.
A Quick Comparison
Here’s a side-by-side look at how home warranty vs. home insurance stack up:
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Explore Move-In Ready Homes That Come With Extra Protection
At Starlight Homes, we keep things simple. You don’t need a realtor or pre-approval to come in. You can tour homes on your first visit. And when you find one you love, you can even go under contract that same day.
Plus, every home comes with a built-in warranty, so you can worry less about repairs and focus more on enjoying your new space.
Explore our move-in-ready homes and see how easy homeownership can be.
For informational purposes only, not to be construed as a quote or offer of credit. Starlight Homes is not a lender or mortgage broker. Programs, prices, rates, terms and conditions are subject to change without notice. Actual rates may vary. Supply of homes and homesites at these prices are limited and subject to availability. All loans subject to credit approval. Other restrictions may apply.
