Home Warranty 101

Your home is where your heart is – and it is also likely one of your most important investments. A home warranty offers resources to help you maintain your home and keep home systems and appliances running smoothly.

A First American home warranty will…

  • Protect your budget from covered system and appliance failures.
  • Repair or replace your covered systems and appliances.
  • Save you hassle and headache of finding a reputable contractor you can trust.
  • Provide 24/7 online or phone availability to request claims service.

How to get the most out of your home warranty

Home warranties provide valuable coverage and peace of mind; however they do not cover all system and appliance failures. It is important to read the coverage outlined in the contract. Follow these easy steps before placing a service request.   

  • Verify your coverage. When something in your home fails, check your home warranty contract to be sure it is covered and understand any coverage limits.
  • Contact us first. Do not call a service provider before you report the failure to First American. We will dispatch a technician from our network to diagnose the problem and perform the repair or replacement.
  • Perform routine maintenance. Remember the simple things like cleaning or changing filters in your systems and appliances. Check the manufacturer’s guidelines to see what types of maintenance are recommended and how frequently they should be performed.



Frequently Asked Questions

What is a home warranty?

A home warranty is typically a one-year renewable service contract designed to protect your household budget from unexpected, costly repairs on home systems and appliances.

What does a home warranty cover?

There are several plans and options to choose from to best suit your home’s specific requirements. Basic plans typically include coverage for: kitchen appliances, water heaters, plumbing, electrical, heating systems, and more. Optional coverage can range from pool/spa equipment, washer/dryer, kitchen refrigerator, air conditioning, well pump, and more. Coverage varies by region and whether the home is involved in a real estate transaction. You may view sample coverage for home buyers and sellers, or sample coverage for homeowners who are not involved in a real estate transaction.

How much does a home warranty cost?

It’s easy to get a free quote. Costs vary depending on geographic location as well as by which plans and options you choose to best suit your home. If you’re buying or selling a home, contact your First American Area Manager for local pricing. 

How does the claim process work?

Review your coverage. It is best to review your home warranty contract to understand specific coverage and limitations for the broken item.

Request service. Sign in to place your request online or call 800.992.3400.

Schedule an appointment. A service provider will contact you to schedule a mutually convenient appointment.

Repair or replacement. The service contractor will diagnose and repair or replace your covered item. Simple repairs are typically made during the first appointment. In some cases, parts may need to be ordered and additional visits may be needed to complete the repair or replacement.

Who will you send out to my home to service my system or appliance?

We will send a local technician from our network of thousands of independent service providers who are pre-screened, and monitored for performance through customer satisfaction surveys.

Are there any age limitations on the systems and appliance you’ll cover?

No. We will cover your system or appliance regardless of age, provided it is in safe, working order before the start of your contract.

Will a home warranty cover my system or appliance that is already broken?

In most situations we will not repair or replace an item that was broken prior to the start of the home warranty coverage. Some plans that are purchased as part of a real estate transaction will protect you from unknown pre-existing conditions - if at the time the coverage begins the defect is not known or could not have been reasonably observed by looking at or operating the system or appliance.

Will you replace my system or appliance if it cannot be repaired?

Yes! If a covered system or appliance is beyond repair, we will replace it with a brand new unit with like functionality.

In some instances, you may be offered cash in lieu of repair or replacement. Payment will be made based on First American’s negotiated rates with its suppliers, which may be less than retail.

Repair or replacement of ice makers, ice crusher, beverage dispensers, and their respective equipment will only be completed when parts are available.

How often can I request service?

There is no limit to the number of times you can request service during your contract. Many of our customers request service multiple times each year and save hundreds to thousands of dollars in repair and replacement bills.