Question 1

What modifications and changes are needed for new equipment?

Accepted Answer

Typically, home warranty plans don't cover any modifications or changes needed when new, replacement equipment gets installed. Why are changes or modifications sometimes required? This can happen when the new equipment for a covered item is a different size, or building codes have changed since the old equipment was installed. More on our website...

Question 2

What about home systems and appliances that are already broken?

Accepted Answer

In most situations, home warranties do not cover pre-existing conditions, such as a home system or appliance that was broken before the home warranty coverage began. Some plans purchased as part of a real estate transaction will protect you from unknown pre-existing conditions – if, when coverage begins, the defect wasn’t known or could not have been reasonably observed by looking at or operating the system or appliance. More on our website...

Question 3

How do you handle secondary damages when a system or appliance breaks?

Accepted Answer

So what are examples of secondary damages that a home warranty doesn’t cover? For example, if your dishwasher breaks, a First American home warranty plan could cover repairing or replacing the appliance (primary damage). If the broken dishwasher causes your kitchen to flood, however, any water damage is considered secondary damage. The water damage would fall under the coverage of your homeowner's insurance.

Question 4

What are things that home warranties don't cover?

Accepted Answer

Home warranties also typically do not cover things such as: cosmetic defects, such as scratches or dents to kitchen appliances; damage from pests; improper installation, misuse, or neglect; or items covered by a manufacturer warranty. More on our website...

Question 5

What are things that home warranties might cover?

Accepted Answer

Home warranty plans cover many home systems and appliances, but you may have additional items you want to cover. You can also add optional coverage for items such as pools, spas, and well pumps to your home warranty coverage. With First American Home Warranty, you can also include the First Class Upgrade option that will cover items such as: removal of the old appliance or system, correction of improper installations, and more. More on our website...

Question 6

How to discover what your home warranty covers?

Accepted Answer

If you have a First American home warranty, you can check your contract or sign in to your online account to view your coverage, including liability limits.