They protect different things, and you likely need both.
Homeowners insurance is designed for unexpected major issues or catastrophic losses. It covers damage to your home's structure and select belongings when fires, storms, theft, flooding, or similar events occur. It doesn't usually cover everyday wear and tear or breakdowns. So if your HVAC system or your water heater stop working, homeowners insurance isn't like to cover the costs. A home warranty helps fill that gap. Depending on your selected level of protection, it may cover the repair or replacement of important home systems, appliances, and other home essentials. That may include your water heater, refrigerator, garage door opener, ceiling fans an more, even if they break down through normal use.
How does Assurant Home Warranty work?