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Explore your options carefully to find the best fit for your home and lifestyle, so you’re enjoying affordable coverage that meets all your needs. A homeowners insurance policy only covers elements of the home that might need to be serviced or replaced due to unexpected damage, such as hurricanes, lightning strikes or fire. The incidents where a homeowner attempts to use a household appliance, only to find out that it is not functioning properly, would not be covered under a home insurance policy. In short, a home warranty will cover home systems and appliances that fail due to normal wear and tear coverage extent based on contract whereas homeowners insurance will not. For this reason, a home warranty is a good investment considering it will be used at some point as all home systems and appliances will eventually fail. Having both policies, secures your investment and relieves the homeowner’s anxiety of pending costs.

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If Covered. If this Agreement covers the malfunctioning appliance or system, you MUST contact Select PRIOR to obtaining service on the malfunctioning appliance or system. Your failure to contact Select prior to obtaining service may render your claim invalid. Select will not reimburse You if You use your own service technician without first obtaining Select’s prior authorization. 5. 2.