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

January 13 2020 9:43PM

I realized my appliances needed protection last year when my fridge’s warranty ran out. The repair costs were so high that I decided to buy a new fridge instead. When the warranty on my new refrigerator runs out, I’m getting First American because of their excellent reviews.

Gina M.
Phoenix, AZ
January 01 2020 4:01PM

I have been a customer for a while. In the very beginning, I was very pleased with First American and with the contractors, they would send out. Their customer service, reputation and service contractors have declined over the years. Now it is just completely unbearable and ridiculous.

Recently the day after Christmas our water just abruptly stopped, I did a claim and setup an appointment for the next day with the contractor. After waiting from 12-4, the contractor did not show up. I called them and they said we would find out what’s going on and call up back. 30 mins later after no I call back I called the contractor again and no answer.

I called First American who was no help for days claiming they could not find another company. Our family went without water for 3 days during a holiday break until finally on Sunday they let me get my own contractor. I was able to get a contractor in 5 mins through HomeAdvisor. Now I have to wait for however long to be reimbursed after going through a million hoops for them to approve an amount over $125.

Fast forward to Monday over main house pipe is backed up, did a claim got assigned a contractor, made a appt for new year’s eve between 1 to 4. Contractor never showed up and did not answer call. Again, First American can provide no other companies or options. My husband is going to rent a snake his self and unclog the drain.

I am currently researching other options for warranty companies; I will not be staying with First American. They have horrible customer service and limited contractors that are unprofessional, reliable or even care. I took 2 days off work without pay to wait for nonexistence contractors.

Alvinia J.
Virginia Beach, SELECT A STATE
January 01 2020 4:12AM

Both times I needed work done on my garage door. First service guy, Mike screwed up my garage door and I informed First American they did not back up my complaints. Second time my garage door broke they send out a different guy but used the same company Ace garage and worker named Ali.

Duana M.
Visalia, CA
December 26 2019 11:24AM

I've had the policy for too long. I used it a few times. I often wonder why can't they deposit replacement costs in the account they debit for payment and service fees. It took 7 weeks for the check to replace my refrigerator. Not to mention, I had to call several times so a Rep could tell me they'll send a new one. The money was wasn't being tracked so no one could tell me if it had even been sent.

When the AC compressor broke, I called and told them the brand but they still sent a guy out that couldn't work on the unit. It was 110 degrees that week. I pay extra to cover small appliances and when they came to replace the above range microwave they tried to install something less comparable. The Rep said they only had to replace it with the correct size. I had to read the contract to him. I have been looking to replace my warranty with someone else but warranty companies are shady AF.

Sam B.
Va Beach, WV
December 20 2019 4:45PM

I am only changing my previous bad review because of Maria in customer service who was so nice and professional unlike the other Customer representative I spoke too who was so rude and refused to let me speak to a manager. Maria was so helpful and she offered me options for my mother’s situation. She allowed me to vent and offered alternatives.

Please find Maria and give her a well deserved recognition. I am still not happy about the company and service but, not everyone are rude, uncaring, and ignorant. There are still some good people that work for the company and for that I can’t completely give a poor review. Thank for Maria for caring about your customer. Sadly the girl I spoke to was black, so much unnecessary attitude.

Emem W.
Jacksonville, SELECT A STATE
December 16 2019 4:33PM

We had our furnace go out in a home we purchased 2 months prior and called them the day it happened and was told a contractor will be contacting me in a few minutes to a few hours. Two days later I received notification from contractor who told me he would be out 5 days later!!!

When I had asked the contractor why it took 5 days he explained they didn't notify him for 2 days after I made the service request! Would have been able to make it out due to cancelation the day after I made the claim! Then I am told it will take 7-10 days for the part we need! (Could have got it two offline) They would not reimburse me if I purchased it! This company is nothing but a sham and a pain to deal with!

Thankfully I didn't pay for this warranty because it came with the purchase of the home! I would NEVER EVER recommend this company to my worst enemies!

David B.
Lambertville, MI
December 06 2019 3:37PM

I've been a customer for a while. In the very beginning, I was very pleased with First American and with the contractors they would send out. Their customer service was excellent and their contractors seemed to be vetted and did a great job. Now, I just don't know what's going on. Customer service is subpar, and the contractors that I've dealt with are even worse.

Gladys C.
Riverside, CA
December 06 2019 3:37PM

I've been a customer for a while. In the very beginning, I was very pleased with First American and with the contractors they would send out. Their customer service was excellent and their contractors seemed to be vetted and did a great job. Now, I just don't know what's going on. Customer service is subpar, and the contractors that I've dealt with are even worse.

Gladys C.
Riverside, CA
December 05 2019 9:48PM

So many things could go wrong if you’re a homeowner. One day it’s the heating system, the next day it’s the plumbing. Having a partner like First American Home Warranty puts me at ease, knowing that if something goes wrong (and something always does!), they’ll get it fixed right away.

Queenie C.
Phoenix, AR
November 26 2019 9:04PM

This is a scam warranty services. Fraud warranty service. They just want your money in a technical way that you wouldn't realize. Very good at deception. I called for two services, one tech came to see the plumbing problem but he became so rude upon requesting look thoroughly, I even can't even express. Didn't fix the issues and reported completed.

The same thing happened in the electrical service, the tech didn't find the problem why my kitchen line was tripping and didn't fix anything. he told me that one fan going to replaced but never came back. They need $600 year and on the top your free $75.00 on each call. Very scum people. I would say think before you waste your money. if you don't believe me then you are welcome to give away your free money. All the best.

MD I.
HOUSTON, TX
Write Review