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.

  • 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
  • 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.


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

September 10 2019 5:07PM

I must remain nameless because my work order is still outstanding. There has been problems not being able to find anyone to do handle the work order by the best possible tech. because First American Home does not pay the contractors in a timely fashion. FAH said I could pay the bill and then they would reimburse me. If I had that kind of money I would not NEED FAH!! I'm afraid they would pay me like they do their contractor

John Q P.
Tucson, AZ
September 05 2019 4:23PM

The contractor sent did not have the proper equipment to diagnose the problem. He poured water into the outside cleanout and then said we have two options to repair the backup.

Option 1 is to remove the toilet and attempt to clear the blockage from inside the house and run the risk sewage backup into the house and ruining our wood floors, he said didn’t want to be responsible for that.

Option 2 was to dig up my yard to install a 2-way cleanout that will cost me $2200.00 out of pocket because this type of repair is not covered.

I asked him how could he determine how severe the back up is without snaking it out and then using a plumber’s camera. He stated the cameras are too big to go down the toilet (WHAT) and never responded to the snaking. Needless to say, I wanted a second opinion because this didn’t seem right to me.

Called First American Home Warranty again they told me the claim was denied but would send someone out for a second opinion. They sent a second company out, these guys had camera equipment but claimed the backup was being caused by a belly in the line and it would be $3500 to repair. They charged me $350 to run a camera down the sewer line to make this determination. Not satisfied my son, called one of his plumbing contacts they came out the next day and fixed the problem for $250.

They also ran a camera down the sewer and determined that was not the problem because the belly was so shallow it could not cause a system-wide backup. The problem was a broken door on the sewer line that was not opening and causing the back up.

I’m not sure what kind of contractors this company hires but what good is a warranty if the repair people they send out misdiagnose the problem in an attempt to make more money and rip off unsuspecting homeowners. If you have a warranty with this company don’t take their contractors word get an independent third part opinion it will save you money in the long run.

Keith K.
Loganville, GA
August 29 2019 2:39PM

I had a very bad plumbing problem, water coming from from every toilet, bathtub and shower, flooding the floors. I called at 7:30 at night when I discovered it. The said the got me a plumber and I called the emergency number but the mailbox was full.

I called first American back several times, never getting anyone that spoke very good English. Finally I got a manager that promised me that if in 4 hours if the plumber didn’t call me back I was free to call around and use one if I could get one, but he was very rude also.

He said they had up to 24 hours to call. I asked him what I was supposed to do with bathroom situation for 24 hours and he told me, a woman to just go out side. I called back in the morning, 12 hours later and they weren’t open, another lie, only to new claims, and there are no managers, so I guess I just spoke to someone pretending to be one.

I asked where I was calling since everyone had accents, and they told me El Salvador. No wonder he said go outside to the bathroom!! I am furious. I cancelled the claim and had someone out and the plumbing (clean out) fixed in 30 minutes.

Delaine D.
Mesquite, TX
August 27 2019 12:38AM

Never buy from first American because you will be last, the took my money sent 3 plumbers out and nobody did anything, one company didn't have the right license, my house was leaking water over 10 day and it will still be leaking waiting on first American.

Customer service is bad, they take your money and never fix anything even if it's on your contract they will find a way to not fix anything, I demand my money back and I will be contacting the Someone higher to report you guys. Fyi they still have not fixed my plumbing problems it's been 3 weeks. Wow.

Xavier W.
Las Vegas, NV
August 24 2019 7:46PM

I've been told by other new home buyers that a home warranty is a joke. Now that I've experienced First American Warranty, I have to agree. They will come up with a lot of excused not to cover a legitimate claim. And doesn't seem to be any recourse, other than to submit more proof and have the claim consistently denied each time.

My advice is if your seller is required to provide a home warranty, get the cash instead. Especially if it's from First American Home Warranty. At least you'll have a little bit of cash to go towards fixing something yourself that should have been covered by the home warranty. First American Home Warranty is worthless.

Mike B.
Laguna Niguel, CA
August 16 2019 11:00AM

It's been over 2 weeks without AC. This company quotes you non-existent guidelines constantly to refuse to do crap. They give days on days to allow for their refusal to do anything. Then they refuse to pay for the items you need replaced. All in all COMCAST HAS BETTER CUSTOMER SERERVICE THAN THIS. Unprofessional company stay far away.

Mike D.
No, GA
August 14 2019 6:32PM

Worse home warranty that could be out there. I purchased a house and added home warranty they were soo good to collect the money, however I reported that my A/C was not working at all. They sent a technician and he stated that the compressor was bad and that the whole unit needed to be replaced. It took them more than a week after calling them soo many times for them to tell me that the claim was denied, their reason was because the unit was too old and it had pre existing problems. My question is why would they even offer coverage for what they call. Old equipment if they wont even repair or replace... They shouldnt... SCAMMMMM.

Andres M.
Houston, TX
August 14 2019 12:52AM

This company is horrible and they treat customer like ** and on top of all that they will screw you big time. And too rude to let you know what is going on till you are aggravate ** and do it all on your own. I have paid them good money each month for years and when I need them they screw us. I will never pay another penny to them every again. Way to take my money each month and never do anything for it **.

P R.
Bakersfield, CA
August 09 2019 8:56PM

First Year was good. I had just purchased a house and it come with First American Home Warranty. I add extra coverage, few months in my washer went out. Call problem. Was fit with in 48 hours, Second year I renew few months later ac wasn’t blowing cold. Called, send a scammer out. All his reviews, all bad 3 pages. First American Home Warranty denied coverage base on the scammer. Sent me pictures of the reason coverage was denied. WOW this wasn’t my unit. Told them, sent pictures with my name and contract number in pictures to show this is mine. Ask for a new company to come check and take new picture to show what my unit look like, they said no. I call HQ. No luck. I just cancel and make a point to tell every one don’t do business with First American Home Warranty.

Moses S.
Lancaster, CA
August 08 2019 11:26PM

With home warranty companies it comes down to claim service and contractor quality. FAHW failed me on both counts. When I filed an air conditioning claim I first waited two days for a callback and then they wanted me to wait 10 days for their contractor to come out.

I insisted on getting a local contractor of my choice who was willing to come out the same day, and they agreed I could do so. My contractor quickly diagnosed and solved the problem, a simple addition of refrigerant was all that was needed, at a total cost of $119.00.

I forwarded the email receipt to the claims people along with the contact information for the HVAC contractor. FAHW claims reps would not accept the receipt, first claiming they couldn't open it, and then that it was incomplete, and finally implying I was being dishonest in some vague way. I suggested that if they didn't like the receipt they could contact the contractor, but they refused. What a waste of my time over a minor repair! What would they be like with a major break down? I'm not wasting any more money finding out.

My premium money is going into a personal rainy day account and I'll save myself a lot of grief from this company.

Michael L.
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