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Go beyond homeowners insurance with a home warranty. If you’re a homeowner, you know unexpected expenses are par for the course. One way to help shield your finances is to get a home warranty. Unlike homeowners insurance, which covers natural disasters and theft, a home warranty could help safeguard you against costly repairs of eligible essential home appliances and systems due to normal wear and tear. Check out Money’s list of the Best Home Warranties and take the sting out of appliance breakdowns.