Home Warranty vs Homeowners Insurance: What's the Difference?

A home is one of your biggest investments, so it’s important to do all you can to protect it. You might believe having homeowners insurance is enough, but it may not cover as much as you think. A home warranty protection plan picks up where insurance leaves off by protecting expenses that insurance won’t.


Homeowners Insurance vs. Home Warranty

These two sound like they may be interchangeable, but they protect completely different issues. Homeowners insurance covers events that may happen to your home, such as theft, accident, or natural disaster, but not normal system failures that happen over time. Think of it like car insurance — If you get in an accident, your insurance will take care of it. However, if you need new brake pads, you’re on your own.

Home warranties protect occurrences that insurance doesn’t, such as home system failures due to normal wear and tear. Through the years, home systems like heating and cooling; gas, electric, and water lines; and water heaters will start to fail from normal use. When an item protected by a home warranty plan becomes inoperable and can’t perform the way it’s intended to, you can call your home warranty provider to get the repair process started.

Map of Georgia highlighting covered areas

SCANA Home Warranty

SCANA Home Warranty, an affiliate of SCANA Energy, offers five plan options so you can choose the protection that’s right for your home. We work with a trusted network of independent contractors in our service area to ensure each home gets the best person for the job.

We serve metro Atlanta — and with people right here in Georgia, we know the area and understand the community, so we can provide the highest-quality service. When a protected item fails through normal wear and tear, all you have to do is call SCANA Home Warranty. We’ll take care of the rest.


Make Your Home Systems Last

It’s best to take care of your systems to make sure failures only happen through normal use. While home warranty plans make repair processes smooth and easy when requests come due to normal wear and tear, they can’t cover issues due to misuse or improper care. Here are tips to keep your home in top shape.

SCANA Home Warranty Blog Graphic

Water Heater

  • Drain the tank twice a year to flush out sediment and improve efficiency.
  • Lower the temperature setting to 120 degrees Fahrenheit.
  • Insulate your pipes.
  • Ensure you place your water heater tank in the right position.

Heating and Cooling Systems

  • Clean and replace your air filter regularly based on the manufacturer’s recommendation.
  • Ensure your thermostat is set to the ideal temperature settings for the season.
  • Check weather stripping and insulation to ensure no outside air is getting in.
  • Close curtains in rooms that receive direct sunlight and close vents and doors to unused rooms when operating the heating or cooling system.

These simple tasks can make a big difference in how well (and how long) your systems run.


Visit scanaenergy.com/homewarranty to learn more or find out if there are protections plans available in your area.

Rate Plan Availability

The highlighted counties are eligible for fixed rates, as certain rates are not available in all locations.*

Service Availability Map for Fixed Rates

*For further information regarding availability, please call 1.877.467.2262.