First American Home Warranty
Caption: First American Home Warranty

First American Home Warranty Review

As discussed in our Home Warranties Buyer’s Guide, home warranties are intended to provide peace of mind to homeowners who want protection for home-related costs that go beyond homeowner’s insurance. First American Home Warranty offers warranty plans to cover household items such as major appliances and electrical and plumbing systems.

Appliances and systems fail as they age. If the appliance or system is out of manufacturer’s warranty, the homeowner may be looking at hefty repair bills. Homeowner’s insurance covers the structure of the home itself but does not cover the repair or replacement of big-ticket items in your home unless destroyed in an insurable event like a fire or high-wind storm. This lack of coverage can create a large hole in a homeowner’s budget when a home system fails unexpectedly. Home warranties are designed to try to fill these financial holes.

First American Home Warranty serves over 550,000 customers and has 24/7 claims assistance available online and via telephone. They offer plans for homeowners as well as real estate professionals wanting to cover homes they have listed on the market. For homeowners, they provide a Basic and a Premier plan. Plans for real estate professionals have basic and optional coverage but vary based on whether they cover the seller or the buyer of the listing.

Pros
  • Coverage options give flexibility in choosing the coverage that best suits the consumer’s needs
  • Replacement of some covered items that are too damaged to repair
  • Monthly and yearly payment plans
  • Warranty allows the consumer to budget for repairs based on service call fees
Cons
  • Coverage exclusions can be confusing to average consumers due to technical jargon
  • Customers must use the contractor selected by First American Home Warranty

First American Home Warranty Costs

First American Home Warranty plans range in price from $288 to $468 per year. Instead of a deductible per claim as is standard with homeowners insurance, home warranties require a service fee before a contractor investigates a claim. You pay the required fee when the service repair person comes to the property to inspect the situation and make a diagnosis of the problem with the system or appliance. The service fee is charged to cover this home visit. First American Home Warranty has a $75 service call fee although there may be some variation in this amount based on the location of the home, the home size, or the warranty chosen.

First American Home Warranty Products

First American Home Warranty offers two main types of home warranties to consumers. They also have a real estate professional option. For consumer options, First American Home Warranty offers a Basic and a Premier plan. While prices vary based on home size and location, sample quotes we received were $41 per month for the Premier plan and $25 per month for the Basic program. The Basic program covers common appliances while the Premier plan adds in coverage for some home systems such as plumbing, electrical, and heating.

First American Home Warranty also offers add-on coverage for specific items that include pool or spa equipment, well pumps, and central air conditioning at additional costs. They also offer a First Class Upgrade with coverage for accompanying accessories and parts like knobs and interior lighting on microwaves, or faucets attached to plumbing. They also extend add-on coverage for additional types of refrigeration units such as freestanding ice makers or wine refrigerators.

A sample policy is available for review before your purchase a plan. Consumers are encouraged to ask questions about coverage before purchasing.

First American Home Warranty Fast Facts

Coverage Length Cancellation Policy Required Maintenance Pricing
  • 12 months
  • Coverage begins on the contract effective date.
Noncancelable by
consumer except in agreement with the
company after first
30 days or once a
claim has been made.
The company may cancel
under certain conditions.
A clause in coverage
requires proper maintenance
of covered systems
and appliances.
  • Premium $288-$468 per year
  • Deductible $75-95

First American Home Warranty Coverage Limitations

While exclusions vary based on the exact plan purchased, some common exclusions are worth noting here. In general, there is no coverage on parts of an appliance or system that do not affect the actual function of the appliance or system. For example, knobs on a stove or shelves in a refrigerator. Also, if a covered system fails, items that are secondary to the system or that are easily movable may not be covered.

Computers, doorbells, televisions, and alarm systems are examples of this type of exclusion should the electrical system fail. Specific causes of failures can result in exclusions as well. For example, there is no coverage for damage due to pests, caused by lack of maintenance, or inappropriate usage of the appliance or system. Also, events such as power surges, smoke, theft, accidents, riot, vandalism, and acts of God are examples of non-covered events. In some cases, these exclusions exist because homeowner’s insurance provides coverage.

first american screenshot

First American Home Warranty Screenshot. Source: First American Home Warranty Homepage

First American Home Warranty Claims

The first step in filing a claim with First American Home Warranty is to review your warranty to determine if you have a covered issue. Once you have done this, call the toll free service number on your warranty or fill out the online service request form on the company’s website. The online form is the better option because you will have documentation of your claim from the start.

From that point, First American Home Warranty will select an appropriate service contractor in your area and assign them to the claim. The service contractor will then contact you directly to schedule an appointment based on their schedule and your availability. The service fee is payable when the contractor arrives at your home. The service contractor will inspect the system or item in question and make a diagnosis as to the cause of the problem.

Once coverage is confirmed, the service contractor will begin repairs, which may require more than one visit. If the system or item in question cannot be repaired, it may replaced. The replacement procedure will vary depending on item or system involved, and details will be discussed with the homeowner by a First American Home Warranty representative.

First American Home Warranty Complaints

First American Home Warranty currently has a 3 ½ star rating on ConsumerAffairs and a “B” rating with the Better Business Bureau. The majority of consumers who report concerns report confusion or issues with understanding what is covered or excluded by the policy. Some were confused about coverage limits as well.

First American Home Warranty Q&A

  • How long do I have to wait before requesting service?
    If you’re a new First American customer, you must wait 30 days before requesting service.

    first american screenshot

  • Can I choose my own contractor?
    No, First American Home Warranty maintains a list of service contractors that they dispatch based on the type of problem and location.

  • What happens if local or state codes have changed since the home system installation?
    First American Home Warranty states they are not liable for upgrades, repairs, inspections, or other costs due to any laws or building codes.

  • What if my covered item breaks beyond repair?
    First American Home Warranty may replace the item. Replacement coverage varies by system, appliance, and plan selected.

  • What if I disagree with a First American Home Warranty decision?
    Try to reach an agreement with the company, as you would with any other product or service. Contact the company, explain why you disagree and have information to support your opinion. Get any promises of resolving the problem in writing. If an agreement is not possible, First American Home Warranty’s policies include an individual arbitration agreement waving class action rights, but you can still have the matter settled in small claims court.

  • Does First American Home Warranty do business in all states?
    No. First American Home Warranty offers coverage in 38 states and the District of Columbia.

Conclusion

First American Home Warranty has been providing home warranties for over 30 years. Their plans include many exclusions, but they do offer add-on coverage that adjusts or eliminates some of these exclusions, which allows the consumer to tailor the warranty to fit their needs. As with any warranty or insurance product, is it vital to understand the terms and conditions of the coverage you are purchasing.

To check a quote from First American, call 877-755-6974 or start a quote online.

First American Home Warranty Reviews

Recent Reviews

November 05 2019 5:41PM

After my hvac combo pack and as condemned they say they cover install of new unit, but then all cost was passed to me. The cash out option for installation was $250. So they are admitting that all cost is passed on to customer. Very disappointed. I would not recommend them.

Aimee A.
Taylors, SC
November 05 2019 1:14PM

Horrible experience. Due to whatever way they choose their contractors. First one didn't call me with what they decided. They stole my fan to my air conditioner and would not return even though they didn't get the job. Said they could fix system but couldn't begin work till end of November. 7 weeks away. (I live in an area it was 90 to 100 every day.) Second contractor decided totally different fix. What a mess. I will be canceling my contact end of month.

Gayle A.
Mission, TX
November 01 2019 12:09AM

I’ve dealt with this company several times already, and I am always glad that I invested in them in the first place. They have saved me thousands of dollars for home repairs, and I have peace of mind that if things break, I can easily have them fixed.

Sanya K S.
Phoenix, AZ
October 30 2019 12:22AM

DO NOT go with First American Home Warranty!!! I have had coverage on my home for 2 years and the first time I used them, the service was horrible! My HVAC (heating system) was not working. It took 2 weeks, numerous calls, and conflicting information only to find out I am going to end up paying the majority of the cost for replacing the part! In response, I called a reputable company (a personal friend) to come to my house to diagnose and give me an estimate. He stated my unit was 20 yrs old and should be replaced.

However, he stated, if repaired, it should not need a "so-called" modification which First American Home Warranty is charging me $195.00 for. Replacing the part is only putting a bandaid on a much larger issue. I have never, never, never, been this frustrated with any home service in the past! Additionally, in speaking with their NUMEROUS representatives, it is obvious they source this out to another Country or Company. I cannot understand their accent and they do not know the contracts. They contradict one another! Not to mention, I was hung-up on several times. YOU WILL REGRET USING THEM!

Ronda L.
Nashville, TN
October 28 2019 9:25PM

As a real estate professional (Broker in Nevada, agent in CA) since 2003, I would be honestly say, First American Home Warranty is the BEST. I have dealt with so many different companies in the past many years. But when things go bad, this is the only company would step up and do or correct things for you. It may takes some time to have things to be corrected in your way, but the result was good. My clients were very pleased with this company, so am I. I will not recommend any other companies, because it will just waste of your time and money. First American Home Warranty is your only destination. Call them today.

Betty M.
San Luis Obispo, CA
October 22 2019 11:58PM

Avoid this company! I purchased a home recently that included Premier Warranty Plan from First American Home Buyers Protection Corporation. After moving in to our new home, we noted problems with the pool equipment, microwave, and fridge. The First American Home Buyers Protection Corporation sent out technicians that all blamed either the age of the equipment and appliances, or technical issues with installations as cause of the failures, and therefore denied warranty coverage.

I believe the technicians were trying to take advantage of me and sell me additional services and replacement devices at exaggerated prices. Interacting with them cost me time and money. Shortly after this disappointing experience, I cancelled the policy and hired appropriate services to conduct the repairs without problems. I strongly believe this company is a scam, and the technicians are told avoid warranty coverage and sell additional services. I highly recommend that you avoid this company when you buy a warranty to cover your home.

Zachariah M.
Simi Valley, CA
October 22 2019 1:55PM

I have had this company for 20 years. They have been patching my AC which is 30 years old every since I've had the policy. The final straw is when they served me up to a company who is going to charge me almost $1,900 just for the repairs and unnecessary parts.

I was given a choice where they would pay me $386 and I could find my own person to fix the AC or I could pay their contractor the almost $1,900 and let them fix it. Keep in mind this is a 30 year old AC unit and really needs to be replaced. They sold me an extra policy supposedly the cover modifications of any type so I wouldn't be out of pocket. That was a waste of money.

As far as I'm concerned the whole policy was a waste of money. I plan on reporting them to the Texas real estate commission and the Better Business Bureau along with the AC company did they worked with. My advice to you would be just to keep your money and save it for repairs.

Denise A.
Tomball, TX
October 20 2019 5:30PM

In California... This company should be banned to deal with humans who are in the illusion of getting a service for their monthly sevice fee of 52$. As long you pay and your appliances are working all good. When your appliances breaks down, the naive customers are sent on wild goose chase or made feel like the broken appliance are their fault. DO NOT SIGN UP WITH THIS SCAM ARTIST!!!

Tunde V.
Mission Viejo, CA
October 18 2019 2:13AM

This company should be banned to deal with humans who are in the illusion of getting a service for they monthly sevice fee of 52$. As long you pay and your appliances are working all good. When your appliances breaks down, the naive customers are sent on wild goose chase or made feel like the broken appliance are they fault. DO NOT SIGN UP WITH THIS SCAM ARTIST!!!

Patricia D.
Mission Viejo, CA
October 16 2019 9:52PM

I thought I needed a new dryer since my old one kept breaking down. Called First American and had a technician come to look at it. Turns out I was right and did need a new one. They processed it very quickly with no hassles! Very easy and convenient.

Neil D.
Phoenix, AZ
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