Home Warranty Hidden Terms

First American Home Warranty vs. Home Membership: A Side-by-Side Breakdown

In this article, we will share an in-depth comparison between First American Home Warranty and Home Membership. If you’ve ever wondered how these two compare, you can see them today.

This isn’t just a surface-level comparison. We’re going point-by-point through First American’s contract to see exactly how it holds up against what HomeMembership offers. Spoiler: There are some gray areas worth knowing about.

Let’s Take a Look at First American’s Fine Print

Section 9 – Repairs and Replacements

Here’s what it says:

The company will determine whether a covered system or appliance will be repaired or replaced… The company reserves the right to have a component or part rebuilt or to replace it with a rebuilt component or part… The company is not responsible for matching brand, dimensions, or color.”

What this means for you:

• You don’t choose whether it gets repaired or replaced—they do.
• They may use rebuilt parts (not new), which can come from anywhere, including, in our experience, the equivalent of a junkyard.
• They’re not responsible for matching your existing brand, size, or stainless steel finish.

Many customers assume they’ll get a “like-for-like” replacement—but that’s not the case. We’ve heard stories from homeowners who ended up with 10-year-old replacements from a warehouse and weren’t happy.

So what do they do? They list it on Facebook Marketplace and shell out another $500 to $2,000 to buy what they want.

How Home Membership Does It Differently

At HomeMembership, we put you in control:

• We will send you the money upfront for both parts and labor.
• You decide whether to repair your existing unit or purchase a new one that fits your preferences.
• And yes, you choose your contractor—do not wait around for a tech who only works for the warranty company.

This means faster repairs, fewer headaches, and no surprises.

Section 15 – Limits of Liability

First American’s policy also includes this clause:

“The company will repair or replace a system or appliance that was improperly installed… provided the system is not undersized… In the event that [it] is in violation of a code requirement, limit of liability #6 applies.”

Let’s break that down.

If your home has a mismatched or improperly installed HVAC system, or any past repair that wasn’t to code, they might not cover it. Most homeowners have no idea if that’s the case until something fails.

Example: You move into a home with an EV charging station. If the panel wasn’t upgraded to handle the power draw, and it fries the system, you’re stuck.

With Home Membership:

We don’t get bogged down in the technicalities.

If the part is listed on our coverage chart and fails, we reimburse you. No complicated exclusions, no hidden conditions.

Check out the chart for yourself at HomeMembership.com.com—it’s clear, transparent, and straightforward. You’ll see everything covered, what’s reimbursed, and how we’re different.

Bonus: We Offer a Free Plan Too!

We know trust is earned. That’s why we offer a free plan so that you can experience our service firsthand. We recommend upgrading to the cash value plan ASAP.

Why? Because anything can go wrong at any time. And the cash value plan ensures you’re covered when it does.

Final Thoughts: Who Wins?

So, First American Home Warranty vs. Home Membership, who do you think came out on top?

Leave a comment below.