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Why warranties Vs. Homeowner/Renters Insurance

An Extended Warranty Vs. Homeowner & Renters Insurance 

Why buy an Extended Warranty on home appliances and electronics when you already have a homeowner's or renter's insurance policy? Each one covers different events at different costs. If you want to make an educated decision, know the coverage for each category and compare. 

Homeowner's and Renter's Insurance

Typical homeowner’s and renter’s insurance policies cover your personal property loss due to theft or damage from an external cause (peril), such as a fire, lightning, wind, hail, explosion, vandalism or malicious mischief, and others.

Extended Warranty from Protect Your Bubble

Extended Warranties, or service contracts, provide repairs or service for breakdowns within the product itself that prevent it from performing its intended function. Extended Warranties from Protect Your Bubble also provide accidental damage coverage (including drops and spills) for cameras, camcorders, laptops, netbooks, and gaming systems. 

One critical difference is a deductible. Homeowner’s and renter’s insurance policies have deductibles starting at $250 and up. Sometimes, your deductible is higher than the cost to replace the item. There are a few other key differences to keep in mind – have a look at the table below.

Compare Coverage of Homeowners/Renters Insurance Vs. A Warranty

Features of Coverage

Homeowners/Renters Insurance

Protect My Bubble

Extended Warranty


Yes – usually $250 and up!

No way!

Coverage for theft, water damage, fire



Surge Protection



Mechanical Breakdown



Accidental Damage



No-Lemon Coverage



Battery Replacement



PC Tech Support


No Way!



Another key difference to keep in mind is that homeowner’s and renter’s insurance claims must be tied to an event or peril.  Examples of these events or perils include a fire, water damage, burglary and others.  Without a peril related event, the typical standard homeowner’s or renter’s insurance policy will not cover mechanical breakdown related events impacting your appliances like your washer, dryer, television, or refrigerator.  An Extended Warranty from Protect Your Bubble will cover each of these items (and many others) without a peril-related event.  Additionally, you get standard coverage from accidental damage (drops, spills, etc.) for your laptops, camcorders, cameras, and gaming systems as an included benefit from Protect Your Bubble.   And, there is no deductible when claiming on your Protect Your Bubble Extended Warranty – just a quick 14-day exclusion period.  And, best of all, you can cover a variety of appliances and electronics that are purchased new within the past 90 days.

Depending on how much coverage you already have, you may want to supplement your existing homeowner’s or renter’s insurance coverage with an Extended Warranty from Protect Your Bubble. For more information about the benefits of a warranty, check out:

What’s Not covered? Click here to learn more.

Seven Reasons you need a Warranty from Protect Your Bubble

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All insurance products are offered by The Signal, L.P. The Signal, L.P. is a licensed Insurance agency appointed by American Bankers Insurance Company of Florida and American Security Insurance Company. American Bankers Insurance Company of Florida and American Security Insurance Company are Assurant, Inc. companies licensed to offer insurance products. Protect Your Bubble, the Protect Your Bubble logo, Bubble and Squeak and other Protect Your Bubble trademarks, service marks, graphics and logos used in connection with this website are trademarks of Assurant, Inc. in the United States.