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What Do Home Warranty Plans Cover?

Home warranty plans are service contracts designed to protect many home systems and appliances you depend on every day. When these systems inevitably break down, a home warranty plan covers repair or replacement of the covered items.

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What do First American home warranty plans cover?


  • Heating
  • Ductwork
  • Central air conditioning
  • Electrical system
  • Garage door openers
  • Attic, Ceiling, and Exhaust fans
  • Central vacuum system


  • Plumbing System
  • Plumbing stoppages
  • Toilet tanks and bowls
  • Water heater
  • Circulating pump
  • Sump pump
  • Pressure regulators


  • Built-in microwave
  • Clothes washer and dryer
  • Dishwasher
  • Kitchen refrigerator
  • Oven/Range/Cooktop
  • Garbage disposal
  • Instant hot water dispenser
  • Trash compactor


  • First Class Upgrade
  • Additional refrigeration
  • Pool and/or spa equipment
  • Well pump
  • Additional options available in some regions

*Some items may be included in the base home warranty plan or purchased as optional coverage.

See what First American covers in your area

View sample home warranty plans by zip code:

What home warranty plans typically do not cover

Like other types of warranties or service contracts, home warranty plans have limitations on coverage. Typically, home warranties don't cover the modifications or changes required when new equipment gets installed. For example, if an HVAC system needs replacement, electrical or structural modifications may be required to accommodate the new unit. Or a new hot water heater might require changes to pipes coming in and out of the unit. A home warranty usually will not cover these types of changes.

Learn about your coverage options

First American’s home warranty plans cover all of the basics, but you may have additional items you want to cover. Review the sample contracts to get an idea of our optional coverage upgrades. You can purchase upgrades that will cover items such as:

  • Removal of the old appliance or system
  • Correction of improper installations
  • Building permits
  • Correction of building code violations

Want to find out more about our home warranty plans? If you’re a homebuyer or seller, ask your REALTOR® to help you choose the best coverage for your needs. If you’re not involved in a real estate transaction, call our Consumer Sales department at 888.875.0533.