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!

January 10 2022 9:40AM

The oven gas pipe inside the burners had broken. It took about two weeks because of the holidays, but First American replaced it.

We also had a problem with the dishwasher before. That took a long time, and nobody told us what was going on. Then one day, they just turned up to repair it. So, we didn't know they were coming. Thankfully, somebody was home. Other than that, they're generally pretty good.

Aamina M.
Plano, TX
December 29 2021 2:13AM

We've used First American more than a couple of times. So, it's going well. I call my claim in, and then we get in contact with the service provider. It's been great. They fix everything that we've had trouble with.

The most recent claim was the dryer. The service guy replaced some plug that burnt out. I also had a garbage disposal claim and that was fine. Another one was the air. They said with that air, we may have to get some more work done on it, but it seems to be working fine ever since they came in.

Terrence F.
Cordova, TN
First American Home Warranty

Terrence, Thank you for putting your trust in us! We are pleased to hear your claim has been resolved.

December 25 2021 4:10AM

Our First American experiences have varied a little bit but on the most recent occasion, we had an issue with our Jacuzzi heater and we made a call. They outsourced it to a pool company.

The correspondence was pretty weak. They were already coming out to do the work and check things out and we didn't know what was happening. Everything was done perfectly and quickly, but the communication was less than good.

Alex P.
San Diego, CA
First American Home Warranty

Alex, Thank you for taking the time to share your review and for being a valued customer. It is our goal to provide our customers with a great experience and it seems we fell short on communicating to you where we were at in your claim process. We will share your comments with our team to ensure our quality of service meets our customers’ expectations.

December 15 2021 10:13AM

I had an appliance guy out for my dishwasher. He got it all fixed up really quick. The claims process with First American went really smooth.

Kellie L.
Coarsegold, CA
First American Home Warranty

Kellie, Thank you for taking the time to share your review with us! We are thrilled to know that your claim has been resolved. We will continue to be here for you should you need us in the future.

December 07 2021 8:30AM

I usually go online and submit my claim to First American. It's very simple. It's pretty easy how they have it set up and usually within 24 hours, we will receive a call or a text where we've been given to and what company will be reaching out to us. I have nothing but positive comments to say about the contractors. They're awesome.

From my own personal experiences from having First American for the last two years, any kind of questions or situations that occur, it's usually a pretty rapid response.

The workers usually go out of their way to make sure that they can either fix the problem and if they need a part, they're trying to go out and find the part as quickly as possible.

They constantly keep me informed of every step they're taking. If the steps requires further processing, then I'm always aware of every step that's being made.

Kaylyn R.
Las Vegas, NV
First American Home Warranty

Kaylyn, Thank you for sharing your great feedback with us regarding your recent service! It is awesome to hear that it is easy to open a claim with us. We look forward to being there for you, should you ever need us again.

December 03 2021 1:02AM

We had been under Fidelity for quite some time and switching over to First American Home Warranty, the team that helped us made it really easy. So, that was nice. Since then, we've submitted two claims. With the first one, I was pretty disappointed. It got denied.

Both of our claims have been related to our pool pump. The pool pump got extremely noisy to the point where we couldn't have it on and be outside in our backyard and talk. It was that loud. But we were told that that didn't require any kind of repair.

Several months passed and we called again. It got even louder. They sent somebody out and it was still working. But after the guy looked at it, it broke later that day and stopped working completely.

We weren't here when the guy came out the second time. It started working reasonably quietly. But despite my attempts, I haven't heard from anyone what exactly was done.

So, the problem seems to be resolved but nobody's told me anything about that. I kinda got the feeling that the contractor felt like they fixed it and didn't need to tell me anything more.

What I like about First American is that when I signed up, the team that signed me up was really helpful. I feel like in them signing me up, I got an actual contact with a person that I can email.

Both times, I've emailed the person who helped me sign up. She helps me in getting my service request processed and getting somebody out. Having a personal contact at First American has been helpful and kind of puts my mind at ease that somebody at First American cares about my account and is gonna help me get things resolved.

Kevin C.
Rancho Santa Margarita, CA
First American Home Warranty

Kevin, Thank you for sharing your recent experience! We know how many choices you have when deciding on a home warranty company, and we are glad you chose us. Our goal is to provide our customers with a successful resolution and it seems that we did not follow up with you on that. We we will share your comments with our team to ensure our quality of service meets our customers’ expectations. We hope the next time you may need us, you will give us another chance to meet your needs.

December 02 2021 4:16AM

First American's customer service was fantastic. By having the warranty, there's a repair team on call that I won't have to try and figure out who I need to call and when I can get them in. Someone's in charge of coordinating all of that. The service fee will cover most of the cost of repair a lot of times.

We recently had a claim, and the tech was great. He had been there before. The claim process was simple, and they took care of my problem quickly.

Susan V.
Pace, FL
First American Home Warranty

Susan, It is fantastic to hear that your issue was resolved. We look forward to providing you great service in the future!

November 28 2021 9:55AM

I've not had difficulty in submitting claims to First American Home Warranty. With most of the contractors I've worked with and it's been three different ones, I've gotten a call back from them within a day.

It has sometimes taken longer to arrange what I needed, and I've had only one experience when it was not particularly satisfactory. It just took a long time.

Susan G.
Bristol, TN
First American Home Warranty

Susan, We appreciate you taking the time to share your review with us. We are sorry to hear that you have experienced delays. We have a process when evaluating and determining an outcome for our customers, and do our best to keep this process moving forward until resolved. We look forward to being there for you, should you ever need us again.

November 27 2021 7:26AM

First American is fast, which is good, and responsive to any issues. The contractor who came did the job and were nice. It's just their follow up could have been a little better.

Other than that, I've never had any problems with First American. So, I'm okay with the service. It's great. They should keep doing what they're doing.

Melissa N.
Missouri City, TX
First American Home Warranty

Melissa, Thank you for sharing your comments with us. We are glad to hear that your claim was resolved. We look forward to providing you great service in the future.

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