Protect Your Investment with the Right Coverage Strategy

When buying a home, one of the most important decisions you’ll make—beyond choosing the perfect property—is how to protect it. At Preferred Properties of Texas, we know this can feel overwhelming, especially with so many options and terms being thrown your way. Two common protection tools are homeowners insurance and home warranties. While they sound similar, they serve very different purposes—and understanding the difference can save you time, money, and stress.

🏠 What Is Homeowners Insurance?

Homeowners insurance is a required policy for most homebuyers, especially those financing with a mortgage. It’s designed to protect your home, your personal belongings, and your liability in case of unexpected events like fire, theft, storms, or accidents on your property.

What It Covers:

• Dwelling: Repairs or rebuilds your home’s structure.
• Personal Property: Covers items like furniture, clothes, and electronics.
• Liability Protection: Helps with legal or medical expenses if someone is injured on your property.

Optional Add-Ons:

• Flood or earthquake coverage
• Riders for high-value items like jewelry or artwork

Local Insurance Experts in Stephenville:

• Fraser Insurance – Full-service coverage including home, auto, and life.
• Lesli Walker, Farmers Insurance – Specializes in Texas homes and rural properties.

🛠️ What Is a Home Warranty?

A home warranty is a service contract, not insurance. It helps cover the repair or replacement of major home systems and appliances that fail due to normal wear and tear. It’s especially valuable for first-time buyers or those purchasing older homes.

What It Covers:

• HVAC systems
• Electrical and plumbing systems
• Major appliances (dishwashers, ovens, refrigerators)

Optional Add-Ons:

• Pool equipment, septic systems, and extra appliances
• Higher-tier plans for more extensive coverage

Stephenville Home Warranty Contacts:

• Kirsti or Thomas Healey, Fidelity National
• Sherry McKenzie, American Home Shield
• Cindy Davis, First American Home Warranty

🧩 Can You Have Both?

Absolutely—and in most cases, it’s a smart move. While homeowners insurance protects against external damage and liability, a home warranty covers the inner workings of your home. Together, they offer comprehensive coverage.

Why You Might Want Both:

• Full Protection: Covers both big disasters and everyday breakdowns.
• Financial Security: Reduces out-of-pocket costs for repairs.
• Peace of Mind: Worry less about what could go wrong.
• Increased Value: Appeals to buyers if you decide to sell your home.

🔍 Summary: Key Differences

🤝 Preferred Properties of Texas Is Here to Help

Navigating the home-buying process is complex, but you don’t have to do it alone. With over 30 years of experience in Stephenville and surrounding counties, the team at Preferred Properties of Texas can guide you every step of the way—from selecting the right property to connecting you with trusted professionals for insurance and warranties.

Whether you’re buying your first home, investing in land, or upgrading your current residence, we’re here to make the process smoother and smarter.

📞 Call us today at 254-965-7775
🌐 Learn more: preferredpropertiestx.com

Don’t wait for perfect conditions—create them. Let Preferred Properties of Texas help you protect your dream home and your future.

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