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.  Unlike homeowners insurance that protects you against losses that might happen, a home warranty helps protects your budget from things that will fail over time.

When these systems inevitably break down, a home warranty plan covers repair or replacement of the items in your plan.

home kitchen
See What's Covered

Interested in a First American home warranty? It's easy to get a custom quote to see what's covered.

A home warranty can cover:

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

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

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

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

Home Warranty Coverage Options and Upgrades

First American’s home warranty plans cover crucial home appliances and systems, but you may have additional items you want to cover.


You can add optional coverage for items such as:

  • Pools and spas
  • Well pumps
  • Additional refrigeration
  • And more


You can purchase upgrades that will cover:

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

It's easy to choose the plan and options for your needs.

Protection for when things break

Don't let unexpected appliance and home system repairs take you by surprise. It's easy to choose different home warranty plans and options to suit your needs.

It could cost you:

Air Conditioning
Air Conditioning
Water Heater
Water Heater

What Home Warranty Plans Typically Don't 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 is 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 more about what's not covered by a home warranty.

Home Warranties for Home Buyers and Sellers

Whether you are buying or selling a home, a home warranty can help protect your budget from unforeseen repair costs. In fact, we have special home warranty plans just for buyers and sellers. 

Buying a Home?

As a home buyer, the last thing you want to worry about is having critical systems and appliances fail after the sale closes. Fortunately, with a home warranty, you can relax knowing that your budget is protected when covered appliances and systems break.

Selling a Home?

If you're selling your home, a comprehensive home warranty can not only protect your budget while your home is on the market but also help reassure prospective buyers and help your home stand out.

Real estate plans are not available online. Learn more about ordering coverage for buyers and sellers.

First American Home Warranty Reviews

Learn what our customers have to say about how home warranty coverage helps them save money.

I've had to get my garbage disposal fixed, I've had to get my AC serviced, my dryer fixed. Calling a different technician for each of these issues would have cost so much money, and so I've saved thousands of dollars with First American.

Tara, customer since 2018

It's so great, because if they can't repair the appliance, they'll replace it. So that's also a huge comfort, because when you buy your first house, there's a lot of money going into it all at once, so it's nice to not have to be like, "Do we have to replace this major thing right now? We can't afford that." So just to have that weight off our shoulders is amazing.

Jade and Chris, customers since 2018

A home warranty company covers the day to day repairs. Things like a toilet leaking, a disposal that has to be replaced, hair down a drain that has to be removed. Those are the little nuisances that you're really facing day to day, week to week. And thank God we have First American to cover that stuff for us.

Tom, customer since 2001

Read more reviews from First American Home Warranty customers.