Home Owners Warranty Insurance

Totally different. A home warranty protection against defects in specific systems (utilities, etc.) for a period of time.

insurance, including insurance, liability insurance and physical home in case of accident (fire, storm damage, theft, etc..)

A lot! Home warranty offered to sellers to ensure that the equipment will be covered for a specific period of time - usually one year from the date of sale. This includes - and appliances such as stoves, gas / ranges / refrigerators, washers and dryers, etc. Some may include home and in the maintenance of electrical / water / plumbing / gas, etc.
And Owners Insurance is usually required by mortgage companies to be paid by buyers to ensure that a home can be replaced if the earthquake a fire accident / / but no flooding and no.

Home warranty is a promise to pay for something Buncha generally devices or systems Marjory (think hot water), mechanical ventilation in general, wear, maintenance tips - NOT things like fire, theft , etc. This promise is only as good as the company supporting it, and many start-ups and file bankruptcy claims when starting to enter, to start under a new company name. This is not regulated.

owner's insurance covers sudden accidental loss, not decompose normally mechanical, no maintenance, no wear things. It is regulated by the Insurance Commissioner of each state.

A home warranty covers things that were already ill when you purchased the home or are caused by things that the manufacturer / builder did wrong. For example, drywall China.

Home insurance covers things that go wrong because of accidents, natural disasters, crime, acts of God, etc. For example, fire, burglary, etc.

Note that the flooding throughout the earthquake of the United States or damage in California are not covered by either a guarantee or insurance. To be covered for flooding, you need insurance against flooding of the national program of insurance against floods. To be covered for earthquakes in California, you need earthquake insurance from the California Earthquake Authority.

same difference manufacturer's warranty of a car and auto insurance.