Home Warranty in Florida

It can be stressful when your home’s systems and appliances break down in the Florida heat. Protecting essential systems like your HVAC is crucial for comfortable living when temperatures reach extreme highs. Fortunately, with a home warranty from First American, you can stay cool and confident while we handle repairs and replacements.

Other home warranty companies in Florida limit the amount they cover each year for repair and replacement. With First American, there is no total coverage dollar limit and no coverage limits for HVAC, plumbing, and water heaters.* We’re here to protect your HVAC — and other home systems and appliances — from unexpected breakdowns. Visit our coverage pages to discover what a First American home warranty can do for you.

How a Warranty Can Help in Florida

Sometimes, Florida's heat isn't just uncomfortable — it's relentless. The same sun that makes Florida a haven puts tremendous strain on your home's systems and appliances, especially HVAC units that run nearly year-round.

With a home warranty from First American, when a covered item like your air conditioning inevitably fails, we’re here to help. Forget about the stress of finding a contractor or facing unpredictable repair bills. We’ll assign a contractor and get the item repaired or replaced.

Your AC keeps you comfortable all year, and we keep you protected when it needs repair or replacement. Visit our coverage pages to see everything First American covers.

What Does a Home Warranty Cost in Florida?

To find the right Florida home warranty plan that meets your needs and budget, it’s helpful to know what factors influence the cost of a home warranty. At First American, we determine each plan’s cost based on your home, plan type, and any add-on coverage you include:

• Home details: The size and type of your home and where you live.
• Plan type: We have plans for homeowners as well as those buying or selling a home.
• Add-ons: Customize your plan with coverage for pool and spa equipment, roof leak repairs, and more.

Our home warranty plans for Florida start at $31 per month.

Your home is unique, and your home warranty plan should be too. It’s easy to compare plans and find coverage that fits your needs.

How Florida Home Warranties Work

When a covered home appliance or system breaks due to normal wear and tear, a First American home warranty covers the repair or replacement.

Contact First American Home Warranty when your covered item breaks down. We’ll send a prescreened professional to diagnose the problem and confirm coverage. If we can't repair the item, we'll replace it.*

How to Request Service

 

1. Oh no! An item covered by your home warranty plan is broken.

 

2. No worries. Sign into your account or call 800.992.3400 to submit a service request.

 

3. Here come the pros. We’ll assign a prescreened technician to diagnose the problem and confirm coverage. If the covered item can’t be fixed, we’ll replace it!*

Florida Home Warranty FAQs

What's the difference between homeowners insurance and home warranty?

Homeowners insurance protects your home and belongings from things that might happen: fire, storms, vandalism, accidents, and more. Home warranty protects your home’s systems and appliances when they inevitably break due to normal wear and tear. Insurance handles the catastrophic, while a warranty covers the inevitable. Both work together to provide more complete home protection.

Are home warranties required in Florida?

No, home warranties are not required in Florida. However, they are commonly included in real estate transactions.

How much does a home warranty cost in Florida?

Home warranty costs in Florida depend on the size and type of home, the plan type, and any add-ons you choose. You'll pay a monthly plan cost of $31 plus a service fee each time you file a claim. Compare plans to learn the cost of the coverage that’s right for you.

Does a home warranty cover pre-existing conditions?

No, home warranties don’t cover pre-existing conditions. All systems and appliances must be in working order when coverage begins. Plans for home buyers can cover unknown pre-existing conditions: issues that couldn't be detected through visual inspection or normal use before coverage started.

What's NOT covered by a home warranty?

Home warranties cover breakdowns due to normal wear and tear. They don't cover:

• Cosmetic defects or misuse
• Pre-existing conditions
• Damage covered by homeowners insurance, including secondary damage
• Changes or modifications to your home’s structure

Home Warranty Coverage for Buyers and Sellers

Buying or selling a home? Real estate home warranty plans give buyers and sellers enhanced coverage and special pricing. Ask your real estate agent about the benefits of a home warranty when you’re buying or selling a home, or get a quote to compare plans.