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!

May 17 2022 12:56PM

We have found First American to be very helpful and adequate and there when we use it. The contractors have been super because they know their job, they do it well, they do it in a reasonable time, and they're always so personable.

I'm very happy with everything as it is. I'd tell others that they would find exactly what they're looking for at First American.

Milton H.
Taylors, SC
First American Home Warranty

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

May 06 2022 12:19PM

We used First American twice for a garage door. I was pleased with how they handled everything then. However, their annual fee is kind of too much for the little that I use it.

The contractors were very efficient. They were clean, very nice, and they got things done in a nice amount of time, so I was pleased with them. I had the same contractor both times I had the door fixed.

Patricia S.
Pismo Beach, CA
First American Home Warranty

Patricia, Thanks so much for sharing your great feedback with us regarding your recent service! We look forward to being there for you, should you ever need us again.

May 05 2022 11:18AM

First American's service has been great. I'm still waiting on them to fix my central air unit. Somebody will be out tomorrow. I also had some previous repairs and everything went well. They were very prompt. They come out when they say they're gonna come out and they do good work.

Verna M.
Memphis, TN
First American Home Warranty

Verna, We appreciate you taking the time to share your review with us. It is fantastic to know that you were provided five star service!

May 05 2022 11:02AM

I've submitted a few online claims to First American. They're fine. I just don't really like it when I pay in advance, and then they may not have a service person be able to come out. So, I've learned not to pay the service fee upfront and wait until you get someone confirmed that's coming out.

As far as the technicians, some have been good and some have been bad. There was a plumber that came out, and while it was the first time he came out, he acted nonchalantly about the problem and said he had fixed something that wasn't really fixed. Later on, it ended up breaking.

I ended up calling them back, and the same guy came out and without even looking at what he had done before, he wrote out a whole new claim where I had to pay a bunch of money to fix the issue that he was already paid to fix.

I ended up hiring a plumber on my own to get that resolved because he came out and gave an outrageous quote for work that we had already paid him to do. So, I was not going to have him out again to do the work.

My wife had contacted First American and told them about all this and they told us to find a plumber and they would reimburse us. At that point, I was kind of tired of dealing with First American on this issue.

After my experience with First American right now, there's no way that I would recommend someone to use them.

Benjamin G.
Bastrop, TX
First American Home Warranty

Benjamin, Thank you for your feedback. We are requesting the service fee be settled at the time of the claim. We hope that this will give our contractors more time to focus on the service. Should you not be fully satisfied with a contractor we can certainly review other options that may be available for you. This may be why you were offered the options to locate your own contractor. We hope the next time you may need us, you will give us another chance to meet your needs.

April 13 2022 11:51AM

I have been disappointed with First American two times, but for two different reasons. One time, they sent me another contractor than Sears for my stove, and they failed to find the parts. There was not much communication. So, I pretty much stayed about three months without my range.

Then finally, I'm the one who found the part for them. First American didn't follow up on it. I would tell First American not to go with them. Sears always has been good.

The second thing was for my pool. The new material that is used to do those parts are done with soy. We have had the home for over 10 years now and never had issues. But because the part is done now with soy, which is not our fault, this is attracting rodents that damage the thing.

Now, we end up having to pay. We still haven't replaced it. It's about $1,000 part because they're telling us that the insurance doesn't cover that.

Frederique D.
Port Saint Lucie, FL
First American Home Warranty

Frederique, Thank you for sharing your feedback with us. We certainly do our best to ensure overall satisfaction for our customers and appreciate your patience as we worked to resolve your claims. It is our goal to provide our customers with a successful resolution, and 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.

April 13 2022 11:23AM

Submitting a claim to First American is pretty easy. I normally go online and select whatever needs to be repaired. Then I pay my service call fee. Normally, the hardest one will be the appliance. They seem to take a little longer responding, but everyone else has been okay.

It's just a matter of staying on top of the appliance company and getting them to come out. But when they do, they do a great job.

The contractors are great. Premier Appliance normally comes out. I've had more issues with our appliances and so far, the technicians are very professional. They answer any questions I have.

I stick around just to see what they're doing, and they try to explain as much as possible. So, they've been very knowledgeable.

Anytime a technician comes out, they will send an email saying, "Rate your experience with Premier Appliance or your service." So, they do it every time.

Overall, my experience has been positive. They're cost-efficient. Anytime I do have a complaint, First American will respond quickly. They'll resolve it for me. It's a great company.

As a Realtor, I do have experience with other home warranty companies, but First American to me has been by far the best even for my clients.

Vicky M.
Norco, CA
First American Home Warranty

Vicky, We appreciate you taking the time to share your review with us! It is wonderful to know that we have been able to be there for you, when you most needed it. We look forward to providing you great service in the future.

April 13 2022 9:16AM

We had a washing machine fixed through First American. It wasn't spinning right, and the repairman came out and he looked at it and he said that he didn't have the parts. He ordered the parts, and he came back 10 days later, and he fixed it.

The first thing we had to have fixed was our dryer. They got right on it. There was a guy here within a couple of days and he fixed it.

So far, we've had First American fix the washer, a dryer, and replace our garbage disposal, and we're happy with the service and with how fast they get on it and get the things done that we needed to have done.

They also gave us a lower price than American Home Choice Warranty. First American is the best. We love the company.

Ernie & Joann D.
Blythe, CA
First American Home Warranty

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

April 13 2022 8:05AM

When doing claims to First American, I just get online and fill out the form of what's wrong, and then I submit it, and then they contact who will be coming out. The claims process is pretty easy. They give us the name of the contractor, their address, and their phone number.

Sometimes, if it's been a couple of days, I'll have to contact the contractor. But most times, they reach out to us. They seem to be pretty good. They've been able to fix everything.

Overall, First American is pretty prompt and the people come pretty quickly and usually do it right the first time. It's been a good experience.

Lorna F.
Bakersfield, CA
First American Home Warranty

Lorna, Thanks so much for taking the time to share your experience with us! We look forward to being there for you, should you ever need us again.

April 10 2022 6:09AM

First American has been doing fine. I had a recent claim for a dishwasher. They gave me a cash buyout to purchase a dishwasher. They sent me a check, I went and bought a dishwasher, and somebody is coming to install it tomorrow. I'm very happy with First American. It's saving me a lot.

Judy W.
Mason, OH
First American Home Warranty

Judy, Thank you for your review. It is always great to hear when our customers have a fantastic experience with us!

Write Review