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
Non-cancelable 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

Featured Review
December 06 2021 1:15AM

My experience with First American has been really efficient and responsive. It's amazing. The response time is really fast. I'll submit online and then we'll hear back from someone within a couple of hours. Then we'll have someone likely scheduled within 48 hours, if not sooner.

Yvette M.
Manteca, CA
First American Home Warranty

Yvette, We appreciate your review. It is always great to hear when our customers have a fantastic experience with us!

November 30 2022 6:33AM

We have utilized First American once, and we're very happy. It was for the old refrigerator that we have here, and the icemaker wasn't working. The water wasn't working, too. The gentleman that worked on it was great. He cleaned everything out.

There was a bunch of mold in there in the back, and he said that the reason the water wasn't working was it has been not used. The person that lived here before hadn't used it, and so the line is frozen.

He said, ''The only way to really fix that is to turn it off for 24 hours.'' I know that's not an option, but it was nice to know that. He fixed the icemaker and it's working great.

Betty F.
San Marcos, CA
November 28 2022 10:55AM

We had a backup of the one bathroom sink and then a bathtub and a toilet. So, I scheduled something with First American online. They called me, and somebody was out within two days. It wasn't really an emergency, so I let it wait that long, but they came, did what they need to do, and it has been good since.

Overall, First American is easy to get to and get your appointments made. It makes it more convenient for me.

Jacqueline H.
Maumee, OH
November 26 2022 11:07AM

We've used First American quite a bit. They had our air conditioner, oven, washer, and water heater replaced. Also, we've had a garbage disposal and garage door opener replaced.

Initially, the rep that I worked with, Jason, was really nice. The claim submission process is pretty easy. I called about my washer, and then they just said, ''Oh, we're gonna replace it.''

I did have to fight a little bit on the oven. We had a GE Profile Oven. They replaced it with a Whirlpool. Then they told me I could take the cash and get paid the difference, but it was about $1,000, so I didn't wanna do that.

I don't think a Whirlpool is as good as a GE Profile, but that was what they gave me. I had the option to take the money, but I just took the Whirlpool and it's been fine.

Michele R.
Ponte Vedra, FL
October 29 2022 5:11AM

I've got a washing machine that needs a timer and apparently, the company that First American contracted to replace the timer has had trouble locating it. They said it's been on backorder, but it's been on backorder now for over two months. Other than that, I don't have problems with First American. I just need the contractor to get that part.

Edward B.
Memphis, TN
First American Home Warranty

Hi Mr. Burkhart, We do apologize for any inconveniences experienced with the handling of your claim. At this time, we will be proceeding with the replacement of your clothes washer due to the timer remaining on a back order since August with no estimated time of arrival. Once a comparable replacement is located we will provide you with the offer via email. Thank you.

October 28 2022 5:44AM

My first year with First American was awful as far as submitting a claim, but after that, it's a lot easier. I called claims in or I can go on the website, but it's easier if I just call it in and explain everything to them.

The contractors contact me themselves. So, if I have any questions, I can ask them at that time. The one that I just had was amazing. He fixed everything. He asked questions about the issue.

I took pictures of everything that he had asked me to because it was with my range and he ordered the part before even coming down. So, there was no waste of time. Overall, everything's fine. First American upped their game.

Denise L.
Pine Grove, CA
First American Home Warranty

Denise, We appreciate you taking the time to share your review with us. It is fantastic to know that you had a five star experience!

October 25 2022 10:59AM

First American's service has always been pretty easy and simple. It's been very convenient for us. When I enter a claim, I usually get a call within 24 to 48 hours from the contractor. Then, they're usually out within a few days. So, that makes it nice.

Most recently, I got a whole issue with the dishwasher. That's probably the longest that I had to wait but everything is just taking longer right now anyways. Prior to that, I've never had an issue with the turnaround time of having somebody out here and getting it fixed.

I always tell people or my family who's purchased a house that First American is definitely something I would look into because I haven't had like any pushback when I've had an issue. Things get fixed without back and forth.

Karen G.
Louisville, KY
First American Home Warranty

Karen, We appreciate you taking a moment to share your experience with us. It is wonderful to know that we were able to resolve your issue for you!

October 25 2022 4:40AM

I had to file a claim to First American and it went better than I thought. On some cases, it took a little longer than I thought it would be. Other than that, everything went okay.

Glenn N.
Salem, OR
First American Home Warranty

Glenn, Thank you for taking a moment to share your review with us!

October 21 2022 8:00AM

We've had really good success with First American. Just last month, my garbage disposal conked out and we called the warranty and, within three days, they had a technician out and he knew exactly what he was doing.

He was very professional and he replaced the garbage disposal and I haven't had any problems since. People should get this warranty. We are so happy with this warranty.

Catherine L.
Mesa, AZ
First American Home Warranty

Catherine, Thanks so much for taking the time to share your experience with us!

October 21 2022 7:22AM

First American has been great and what we expected. My microwave broke and they gave me enough money to buy another one and have it installed. So, there was no out of pocket other than the service call. Also, the technicians that have come out are good. I'd recommend First American.

Timothy K.
Bullhead City, AZ
First American Home Warranty

Timothy, We appreciate you taking a moment to share your review with us. It is fantastic to know that we were able to provide you a cash out so you could replace your microwave. We look forward to being there for you, should you ever need us again!

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