What is the difference between warranty and insurance

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When shopping for an extended warranty , you can always ask if the company administers their plans to ensure you find the right option for you. Generally, extended auto warranties typically do not cover theft, damage caused by natural disasters, or vandalism. Most breakdown protection providers offer three types of coverage plans: powertrain , inclusionary, and exclusionary. Car insurance covers damage to your vehicle and protects you from the cost of sudden accidents caused by someone else.

Typically, an insurance company offers the following:. You may be wondering if car insurance is enough to cover damage to your vehicle, and the answer is no. Car insurance only covers damage from accidents, theft, and extreme weather but excludes damage due to manufacturer error, such as a faulty air conditioner or engine.

A good rule of thumb to remember is that an extended warranty also referred to as a vehicle service contract , covers internally lubricated parts and is considered breakdown coverage. Insurance covers most interior and exterior parts that were impacted by an accident. For a better idea of what Endurance has covered since , here are some examples of common repairs drivers experienced:.

A common misconception is that your homeowners insurance or renters insurance policies extend to your belongings — they do, but with limitations. Your policies also generally do not cover instances of:. Well, just about anything you value. This personal property protection plan covers major appliances, furniture, exercise equipment, patio furniture, and more.

Plus, you have the option to bundle your stuff to score bigger savings — and even more peace of mind. Have a house full of kids constantly on their phones?

It happens to the best of us. Or, similar to a home warranty, you can bundle — you guessed it — your entire home. From appliances to your garbage disposal, a whole home bundle can keep the usually unexpected high cost of repairs low. It is possible to cover your personal property and expensive electronics both in and out of their original warranties. Shop around, ask questions, and do your research to determine which type of coverage or protection plan will work the best for your needs — and save you the most should the unexpected happen.

What's the difference between a warranty and insurance? When should you splurge vs save? We break it all down for you. More than just an unusual word: Kasasa is a promise. That promise includes offering life solutions that suit every lifestyle to help you maximize your money.