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

May 21 2020 10:18PM

When it’s the middle of the winter and your boiler is broken, you need someone who can get there right away. I had a few bad experiences with previous warranty providers but was pleasantly surprised with First American. I called them on Sunday and had my boiler fixed on Tuesday morning.

Julia E.
Mesa, AZ
May 21 2020 5:35AM

This is a company that can't communicate. I have been trying to resolve an issue and their assigned Representative does not respond. All we want is a resolution to our problem, but to no avail. They hire people that know nothing about Customer Service or Satisfaction. The contractor's that they authorize fall into either the cheapest and/or technically limited. I would rate them terrible a (0) but that's not available.

Steve S.
Las Vegas, NV
May 19 2020 2:07AM

They chose the lowest level and cheapest contractors to service your needs. They are extremely difficult to contact and communicate with. They then assign a Representative to handle your issues. The person we were assigned is also next to impossible to communicate with and has no knowledge of your problem.

They offer a minimal buy out and you can never get a competent person to follow-up. We had just suffered a deplorable air conditioning situation when the temperature was 100 degrees and I have a medical condition that requires Air Conditioning. Whether you have been a long time customer or not their efforts to assist you are a zero.

Steve S.
Las Vegas, NV
May 15 2020 3:22PM

I'd like to say thank you to all American home warranty service, customer service, claims.. this is by far the best warranty company I've been with. I will continue to stay with this company as long as the doors are open. First American Home Warranty you guys rock!!

Jason A.
Cove City, NC
May 08 2020 6:15AM

This company offers deplorable customer service. My AC was out a full week before I broke down and paid out of pocket for another company. First American outsources its customer service to a foreign country and contracts with low grade service providers. As a realtor I would never recommend them to any clients. Canceling my service next month.

Cynthia B.
Chandler, AZ
May 06 2020 11:22PM

Don’t be put off by the marginally higher monthly charge. Many home warranty providers promise you low fees, but you should always read the fine print before signing anything. First American lists everything you have to pay and you don’t have to worry about any hidden charges.

Krizza E.
Phoenix, AZ
May 01 2020 6:10PM

I have been a customer for more than 2 years and I have had horrible experiences for at least three claims. 4 policies are coming up for renewal on 5/3/20 and 5/4/20. I renewed them on 4/27/20. Because a bad experience 2 days ago I decided to cancel the 4 policies and a new one effective 5/27/20.

They refused to do the cancellations by phone. I tried to cancel on line but there is a charge of $37 dollars that I am not willing to pay. The renewal dates are May 3 and May 4. Can you please tell me how I can cancel these 5 policies before renewal? Why do you make things so difficult for clients?

The reason I am canceling all the policies is because I ended paying for repairs on my own. I replace a 40 gallon water heater and you gave me $647 for the water heater, tax and labor. It is very ridiculous. Now you will not help me with the cancellation. I had to block my card until I can get help with the cancellation.

Alberto G.
San Jose, CA
April 27 2020 4:53PM

I can only assume the reviews on this website are left by homeowners who never had to use First American. They're the worst company I have ever dealt with. We scheduled a plumber visit for a leaked toilet. The technician failed to arrive, and when they contacted us it was hours later when we were not home, and they told us to call FirstAm to reschedule. We of course didn't want to given the poor experience.

FirstAm insisted that we pay $75 for the visit that has never happened. I spent hours on the phone trying to resolve this. Their phone customer support are reading from scripted answers and do whatever they can not to resolve the issue nor to transfer to a supervisor. All in all, by far the worst experience I had with a company. If you're considering taking a home insurance policy with them - do not. If you're an owner with an existing home insurance policy, avoid using them as you'll be wasting your money and time. Shocking. I would have given 0 stars if given the option.

Oded R.
Manahttan Beach, CA
April 27 2020 12:50AM

My toilet was First American replace my 17 in toilet with a 15in toilet. I am disabled and the replacement toilet has called me great difficulty with getting on and off the toilet. I have contacted them on numerous occasions and either they do not reply to my request or by phone call Hang up and do not call back. They even lied On the plumbing technician. I am now filing a complaint with the Better Business Bureau and the ADA. Service has been AWFUL!!! Run don't walk from first American. Z (((

Sharon N.
Tampa, FL
March 05 2020 8:01PM

I received a home warranty from my parents when I moved out, and I was so thankful I have the plan. My water heater and electrical system both gave out at the same time, and First American Home Warranty came to my rescue.

Madison E.
Phoenix, AZ
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