Home Warranty 101

Your home is where your heart is—and is also likely one of your most important investments. That's what makes a home warranty so valuable. It can protect your home by helping keep your important appliances and home systems running smoothly.

What is a Home Warranty?

A home warranty is a renewable service contract that safeguards your household budget from unexpected, costly repairs or replacements when your home appliances and systems fail.

Home warranties generally cover systems such as heating, air conditioning, and plumbing, and appliances like dishwashers, ovens, clothes washers/dryers, refrigerators, and more. When a covered item breaks, First American will send a pre-screened service contractor to your home to diagnose and repair or replace the item. It's that easy!

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?

Why Buy a Home Warranty?

When your home appliances and systems break, a First American home warranty can help you by:

  • Protecting your budget from unforeseen expenses
  • Repairing or replacing your covered items
  • Providing 24/7 online or phone availability to request service
  • Saving you the hassle and headache of finding a reputable service contractor you can trust

Learn more about what repairs and replacements can cost if you don't have a home warranty.

What Does a Home Warranty Cover?

At First American Home Warranty, we offer a variety of plans and options—so you can customize your coverage to best suit your home and budget. Basic plans typically cover kitchen appliances, water heaters, plumbing, electrical, heating systems, and more. Optional coverage typically includes pool/spa equipment, clothes washer/dryer, kitchen refrigerator, air conditioning, well pump, and more.

Home warranty plan coverage varies by region, and if the home is involved in a real estate transaction.


If you’re a homeowner, it’s easy to get a quote to see what is covered.

Buyer or Seller?

If you are buying or selling a home, we offer specialized real estate home warranty plans made just for you. These plans aren't available online, so learn how you can order a home warranty.

How Much Does a Home Warranty Cost?

Home warranty plan costs vary depending on the coverage and options you choose. It’s easy to compare plans and get a free quote. 

What Is the Difference Between a Home Warranty and Homeowners Insurance?

Home Warranty

Home warranties protect many of the home systems and appliances that you rely on daily. When these systems and appliances inevitably fail over time because of normal wear and tear, a home warranty will pay to repair or replace them.

Unlike homeowners insurance that you may never need to use, a home warranty covers items that have limited lifespans and will break over time. You will pay a low service call fee each time you request service.

Homeowners Insurance

Home insurance is usually required by your mortgage lender and protects the structure of your home against risks, such as damage from severe weather and theft, and secondary damages resulting from some system and appliance failures.

Home insurance also protects you personally from liability in the event that someone is accidentally injured on your property. Each time you make a claim on your home insurance you pay a deductible cost, which can be hundreds to thousands of dollars.

Learn more about the differences between homeowners insurance and home warranties and how a First American home warranty can help fill some of the gaps left by your homeowners insurance.

How to Request Service

With a home warranty, it's easy to get help when a covered system or item breaks:

Request Service

Request Service

Sign in to place your request online or call 800.992.3400.


Schedule an Appointment

A service provider will contact you to schedule a mutually convenient appointment.


Repair or Replace

The service contractor will diagnose the problem and either repair or replace your covered item. 

Simple repairs are typically made during the first appointment. In some cases, parts may need to be ordered and additional visits may be needed to complete the repair or replacement.

Home Warranty FAQ

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

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

Are there any age limitations on the systems and appliances you cover?

No. We will cover your system or appliance regardless of age, provided it is in safe, working order before the start of your contract.

Will a home warranty cover my system or appliance if it’s already broken?

In most situations, we will not repair or replace an item that was broken prior to the start of the home warranty coverage.

However, some plans that are purchased when you are buying a home can protect you from unknown pre-existing conditions, if at the time the coverage begins, the defect is not known or could not have been reasonably observed by looking at or operating the system or appliance.

Will you replace my system or appliance if it cannot be repaired?

Yes! If a covered system or appliance is beyond repair, we will replace it with a brand-new unit with the same functionality.

In some instances, we may offer you cash instead of repair or replacement. The amount will be based on First American’s negotiated rates with its suppliers, which may be less than retail.

We will only repair or replace ice makers, ice crushers, beverage dispensers, and their respective equipment when parts are available.

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 costs.

How to Get the Most Out of Your Home Warranty

Home warranties provide valuable protection and peace of mind when covered items break; however, they do not cover all system and appliance failures. It is important to read the coverage outlined in your home warranty contract.

Follow these easy steps to get the most out of your home warranty:

Check your coverage

Check Your Coverage

When one of your home systems or appliances breaks, sign in to your First American home warranty account and check your contract to be sure the item is covered and that you understand any coverage limits.

Contact First American

Contact Us First

Request service online or call us at 800.992.3400 to report the broken item. We will dispatch a pre-screened contractor from our network to diagnose the problem and repair or replace the covered item.

Routine maintenance

Perform Routine Maintenance

Remember that simple things like cleaning or changing filters in your systems and appliances can help extend their efficiency and potentially help them last longer. Here's a home maintenance checklist to help you stay on top of important maintenance tasks.