<prompt> Human: I know that home insurance will cover your house if the sub pump fails and the house gets damaged and will help fix and replace.Why does car insurance not repair a car if theres an oil leak? Or the engine fails?Is car insurance ONLY for mishaps such as accidents? Or are most people just not knowledgeable that they cover more? For nearly a 150 a month, they cant replace a bummed engine?Edit: Home insurance usually falls to 400 a year for me. How does that even out?  <response>: I know that home insurance will cover your house if the sub pump fails and the house gets damagedIf you have the appropriate rider...Why does car insurance not repair a car if theres an oil leak? Or the engine fails?Why does my TV not wash my laundry? Simply, thats just not the purpose of insurance. If you want a warranty on your car you can certainly obtain one. Warranties and insurance are different things. 