Frequently Asked Questions
Find quick answers about home warranty coverage, how claims work, pricing, and what to expect when you partner with First Rate Home Warranty.
1. What is a home warranty and why do I need one?
A home warranty is a service contract that covers the repair or replacement of eligible systems and appliances due to normal wear and tear. It helps you avoid paying the full cost of sudden breakdowns and gives you access to trusted technicians with one call.
2. How is a home warranty different from homeowners insurance?
Homeowners insurance covers damage from events like fire, theft, or storms. A home warranty covers failures of systems and appliances due to everyday use. Most of our customers carry both since they protect different risks.
3. What does First Rate Home Warranty typically cover?
Plans can include HVAC, electrical, plumbing, water heaters, kitchen and laundry appliances, and optional items like roof leaks, pools, spas, and sump pumps. Coverage varies by plan, so review your contract or talk with our team for specifics.
4. How do service calls and claims work?
When something breaks, call us or submit a claim online 24/7. We dispatch one of our vetted contractors, you pay the service fee listed in your plan, and we cover the approved repair or replacement up to your contract limits.
5. How much does a home warranty cost?
Annual plans typically range from $40–$70 per month depending on the level of coverage and any add-ons you choose. You’ll also pay a set service fee (usually $75–$125) each time a contractor visits your home.
6. Are pre-existing conditions covered?
Failures that existed before your coverage began are generally excluded. However, issues that were unknown and not detectable through routine maintenance are eligible. We recommend enrolling as soon as possible to avoid gaps.
7. Do I have to use your contractors?
Yes. To keep your coverage valid we schedule appointments with licensed, insured professionals within our network. This ensures consistent service quality and that all work meets your contract requirements.
8. How quickly can I get a technician?
Urgent breakdowns are prioritized, and most customers receive service within 24–48 hours. Availability can vary during peak seasons, but our team keeps you updated until the technician arrives.
9. Are there limits on repairs or replacements?
Each contract lists dollar limits per item, per call, and per term. If a repair exceeds the limit, you can choose to pay the difference or apply a cash payout toward a replacement.
10. Can I customize my coverage?
Absolutely. Start with a core plan and add optional coverage for items like pools, spas, second refrigerators, well pumps, and more. Our specialists will help tailor a plan to your home, budget, and usage.
11. How do I get started with First Rate Home Warranty?
Give us a call for a free coverage review. We’ll walk through your home’s needs, explain pricing, and send your contract for digital signature. Coverage can begin as soon as the waiting period ends, and you can manage everything online or by phone.
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