What is a Home Warranty?

So, what is a home warranty? Simply put, a home warranty is a yearly service contract that protects specific home systems and appliances. Imagine you discover water leaking out of your dishwasher onto the kitchen floor. If you purchased a home warranty that includes coverage for your dishwasher, the home warranty can cover its repair or replacement.

Typically, home warranties can cover systems such as heating, air conditioning, and plumbing. Covered appliances can include the dishwasher, oven, washer/dryer, refrigerator and more. When a breakdown occurs to these or any other items covered under the contract, the home warranty company can repair or replace them.

home kitchen
I'm interested in a home warranty

I'd like to get home warranty coverage. How do I find a quote that fits my budget?

What Does a Home Warranty Cover?

Home warranties cover important home appliances and systems that you use every day. These items are expensive to fix or replace when they inevitably break down.

It's easy to choose different home warranty plans and options to suit your needs.

It could cost you:

Air Conditioning
Air Conditioning
$2,989
Heating
Heating
$2,753
Oven/Range
Oven/Range
$2,935
Refrigerator
Refrigerator
$2,819
Water Heater
Water Heater
$1,600
Plumbing
Plumbing
$1,500

Why Homeowners Need a Home Warranty

If you’re a homeowner, ask yourself when you last experienced an appliance or heating/air conditioner breakdown? If you’re like many homeowners, the answer will be either: last year, this year, or maybe just last week.

The truth is, most home systems and appliances eventually fail. And it's usually when you least expect it. But with a home warranty, you get a layer of peace-of-mind budget protection against the wear and tear of covered home systems and appliances.

First-time homeowners especially benefit from home warranty coverage. That's because extra funds are often in short supply during the first few years of homeownership. Surprise out-of-pocket expenses can potentially derail dreams of improving or updating a newly purchased home.

How a Home Warranty Provides Value

couple budgetingHomeowners insurance protects your home against damage from fire, storms, vandalism, and more. On the other hand, a home warranty protects your systems and appliances. 

Having both home warranty coverage and homeowners insurance is the best way to fully protect your home against the unexpected, but a home warranty gives you more value year to year because of the service it provides. Homeowners with First American home warranty coverage often request service for failing systems or appliances multiple times in one year alone. If you’re a homeowner, think about the last time you made a claim on your homeowners insurance. Like most people, the answer will be never or rarely. A home warranty's value, however, lies in the frequency most homeowners use their plans—and the budget protection they provide.

Take a look at the items our home warranty plans can cover throughout your home. Chances are that most of them are systems and appliances you use every day to keep your home clean, healthy, and comfortable.

You'll also find information on coverage options abd upgrades you can purchase with your home warranty contract to fully meet your home's needs and fit within your budget.

Buying a Home?

Having a home warranty can protect your budget when a covered appliance or home system suddenly fails. We offer special home warranties just for home buyers and sellers. Check out these additional benefits of a home warranty for homebuyers and sellers.

Home Warranty FAQs

How much does a First American home warranty cost?

For homeowners, the price of a home warranty varies depending on the coverage that you’re seeking. We also offer special home warranty plans tailored for home buyers or sellers. To find the best home warranty for your budget, it’s easy to compare plans by getting a free quote.

Does the age of my appliances matter?

No, as long as the unit is functional when the plan is activated, First American will have a plan to cover it regardless of age.

Are there any exclusions or limits?

Covered items are protected from damage or breakdowns that are the result of normal wear and tear. Damage caused either deliberately or accidentally, such as dropping a refrigerator down a flight of stairs, would be outside the warranty's scope. Learn more about what’s not covered by a home warranty.

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

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

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.

First American Home Warranty Reviews

Here's what homeowners like you are saying about their First American home warranty plans.

First American is essential for me. I am a single mom of two kids and I own a business, so to have something go wrong in the house is devastating and throws us off track. So to know that I have someone who can fix it, so readily available to me, is amazing because it's something that's outside of my wheelhouse. So to know that I have a service that's so reliable and quick is just great peace of mind.

Tiffany, Customer since 2017

I'd say the most stressful part as a homeowner is probably having things break, honestly. You never know what's going to happen, and there's wear and tear that happens just with life. Having something break down on you is such an inconvenience, especially if you have a busy schedule and all of a sudden the sink’s leaking everywhere, or you can't dry your clothes. It's frustrating, so having someone like First American to help you out and have your back is so important.

Tara, Customer 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

Want to read more? Check out dedicated reviews page.