Are Home Warranties Worth It?

Home is the place that keeps your family safe and sheltered — but what happens when the appliances and systems in your home need help? A First American home warranty can protect your hardest-working systems and appliances when they break from normal wear and tear.

If you’re wondering, “Should I buy home warranty coverage?” you should know about the many benefits that give home warranty customers reassurance every year. You can save hundreds to thousands on repair and replacement costs, and you also don’t need to worry about finding the right people for the job thanks to our at-the-ready network of prescreened technicians. Let’s talk about what qualities you should look for when choosing your home warranty provider.

Flexibility

Home warranty coverage is meant to save you money, so it’s important to choose a plan and provider that work for your budget and covers the systems and appliances you care about. Thanks to First American’s variety of plans, you’re certain to find a home warranty that suits your needs and finances.

Protection

Nobody likes dealing with pesky repairs — it’s stressful to schedule appointments and pay the bill when a repair is completed. And while your homeowners’ insurance may cover your most-used items from fire, storms, and theft, a home warranty offers protection from breakdowns caused by daily wear and tear. The best part? As long as your covered system or appliance is in working condition when your contract begins, it doesn’t even matter how old it is — it’s covered by a First American home warranty.

Value

When you’re left on your own to pay for costly repair and replacement expenses, bills can add up quickly. See how much it can cost to replace common household systems and appliances without home warranty coverage.

First American Protects Your Home and Budget

Repairing and replacing vital home systems and appliances can be pricey. Luckily, these items are covered when you have a First American home warranty plan. In fact, we paid out $174 million to our customers in 2025 alone.* 

So, if you’re on the fence about whether a home warranty is right for you, have a look at what our customers say:

Home Warranty FAQs

Should I buy a home warranty?

When you’re looking for ways to protect your household budget from unexpected repair and replacement expenses, a home warranty is a great choice. Your plan can cover damage your homeowners insurance doesn’t, and a home warranty is a valuable investment that complements your homeowners policy.

Should I buy a home warranty when buying a house?

Adding a home warranty when buying or selling a home provides an extra layer of protection for your budget. Whether you’re a seller who needs to protect your home systems and appliances during the sales process, or you’re a home buyer who wants to avoid blows to your budget from unexpected breakdowns, First American has you covered.

Read more about our Home Warranties for Buyers and Sellers.

What are the benefits of a home warranty?

A home warranty has many benefits, but a few of the most important are:

• Coverage protects specific systems and appliances when they break down. These are the vital items that help your household run smoothly, and having a simple, time-saving path to fixing them keeps your mind at ease.
• Home warranties protect your budget. When you don’t have to save up for expensive repair and replacement bills, you can set your money aside for things like education, vacations, and upgrades.
• A home warranty from First American supplements the coverage of your homeowners insurance. We can help make sure your home is protected from some of life’s unexpected moments.

How can I get the most out of my home warranty?

Don’t be afraid to reap the benefits of a home warranty. If your covered appliance or system breaks, and it isn’t damaged due to neglect or a situation covered by homeowners insurance, go online or give us a call. During a schedule service appointment, your prescreened technician can confirm whether the item is covered, and if it is, they’ll start the repair or replacement process right away.