THE DIFFERENCE BETWEEN HOME WARRANTY & HOME INSURANCE

When purchasing a new home, it’s important to do

in-depth research on all facets of the homebuying process. One thing you’ll need to understand is how

to best protect yourself and your investment if anything were to go wrong. Check out the information on home insurance versus home warranty below to educate yourself on your options.

HOME INSURANCE

Homeowners insurance pays for any accidental damages and loss that are caused by fire, lightning strikes, windstorms, and hail, however, damage from earthquakes and floods is typically not covered. It also covers the replacement of personal property in case of theft or damage and liability if a person were to get injured in your home or on your property. According to American Home Shield, the average annual cost of a homeowner’s insurance policy ranges between $300 and $1,000, and the bank usually asks you to obtain a policy before the mortgage is issued. Make sure to keep in mind that each type of coverage in the policy is subject to a limit and, in most cases, you will have to pay a deductible.

HOME WARRANTY

A home warranty is designed to cover the cost of repairs and replacements of larger appliances and crucial systems in your home that may fail or break due to age and wear and tear. This includes but isn’t limited to HVAC, electrical, or plumbing components, kitchen appliances, and your washer and dryer. With a home warranty, you are required to pay premiums year-round, even if you do not use it, and it won’t cover damages if appliances were not maintained properly

or if the damage is from a fire or other disaster.

A Solano County Legacy: Why This Team is a Win for Our Community

May 4, 2026
They say you can’t choose your family, but you can choose who you build a legacy with. For The Jessica Mraz Group, those lines are beautifully blurred. I am incredibly proud to announce that my mother, Nanci Ladd, has joined forces with me and my longtime partner in business, Candice Zavala. This isn't just a business expansion; it is a homecoming. Nanci is a second-generation Solano County local and has been a trusted Realtor here since 2003. She lived the history of these streets long before she started selling them. Then there is Candice—a powerhouse Solano native and the absolute definition of tenacity. Candice and I have been best friends since we were 4 years old. From the playground to the closing table, we have worked together our entire adult lives. When Candice says she will find you a home, she doesn't stop until the keys are in your hand. Together, we aren't just "agents". We are Solano County natives with a high-volume, professional business engine behind us. We specialize in the complex—whether it’s a "Right Size" move up or down, a high-conflict divorce sale, or project-managing a total home renovation to get you top dollar—we handle the heavy lifting so you don't have to. 

BOTOX AND BUBBLES

By robwolf • March 29, 2022
Coming soon!

EASTER

By robwolf • March 27, 2022
You are invited to party with our peeps! 2,000 egg hunt / petting zoo / face painting / train rides / bounce house / cotton candy / hot dogs / mimosa bar for adults! RSVP via the email invite.