Everyone who has a mortgage has home insurance, yet the home warranty industry is multi-billion dollar one that is often forgotten or more importantly, misunderstood. We're here to help you navigate the difference and help you decide if it's right for you. What Does Home Insurance Cover? Home insurance covers major accidents and natural disasters…

The standard homeowners insurance policy, also known as an HO-3, covers your home for multiple perils, but there are some important exclusions. Knowing what's covered and what isn't can save you a lot of money and heartache down the line. Earthquake and water damage In most states, earthquakes, sinkholes, and other earth movements are not covered by…