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First American Home Warranty

4.3 Stars (281 Reviews)
Most Reviewed
Brands that earn the Most Reviewed badge have received the most customer reviews in their category on Retirement Living over the last 12 months.
Updated: April 20, 2023
By: Jonathan Trout
Jonathan Trout
Content Manager
Jonathan is a former product and content manager for Retirement Living. His background spans sales/marketing, finance, and telecommunications. Jonathan’s expertise in consumer wellness and research-backed data stories helped educate seniors on financial planning, retirement, and community resources. Jonathan graduated from Oklahoma State University with a B.S. in Environmental Sociology.
Content Manager
Edited By: Lauren Hamer
Lauren Hamer
Sr. Editor
Bringing more than a decade of editorial experience to Retirement Living, Lauren focuses on reporting senior-related issues, including retirement planning, finance, consumer protection, and health and wellness. Lauren has edited consumer content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
Sr. Editor

Founded in 1984, First American Home Warranty offers three home warranty service plans to homeowners and real estate professionals and three flat service fee options. Home warranties are available in 35 states nationwide.

Editorial Breakdown

Service Quality 4.3 Stars
Affordability 5 Stars
Coverage Area 4.3 Stars
Customer Service 4 Stars

Overall Rating 4.6 Stars

Bottom Line

You can tailor a First American Home Warranty using add-on coverage to fit more specific appliances you may have in your home.

First American Home Warranty Review

American Home Warranty is a Home Warranties Buyer’s Guide offering plans to cover household items such as major appliances and electrical and plumbing systems.

The company serves more than 625,000 customers nationwide and has 24/7 claims assistance available online and via telephone. While they also offer plans for real estate professionals, homeowners can choose from three plan types that include monthly or annual payments depending on the service fee you choose.


  • Ample coverage options and add-ons to tailor your plan
  • Replacement of some covered items that are too damaged to repair
  • 24/7 assistance
  • Competitive pricing, including three service fee options


  • Not available in all 50 states
  • Cannot choose your own technician

First American Home Warranty Products

First American Home Warranty offers three home warranty plans to consumers. They also have a real estate professional option. For consumer options, First American Home Warranty offers a start, essential, or premier plan.

  • The Starter plan covers aspects of plumbing, electrical, and heating systems, plus key appliances like dishwashers, refrigerators, ovens, and built-in microwaves.
  • The Essential plan protects washers, dryers, water heaters, AC units, and garage door openers.
  • The Premium plan includes luxury appliance coverage, such as garbage disposals, full garage door systems, faucets, and instant hot water dispensers.

First American Home Warranty also offers add-on coverage for pool or spa equipment, well pumps, and central air conditioning for an added fee. It also extends 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
30-day cancellation window
The company may cancel
under certain conditions.
A clause in coverage
requires proper maintenance
of covered systems
and appliances.
– $47.99 to 87.99 per month
– Service fee: $75, $100, or $125

First American Home Warranty Coverage Limitations

While exclusions vary based on the plan purchased, some common exclusions are worth noting. 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 easily movable may not be covered. So, if your electrical system fails, it might not protect computers, doorbells, televisions, and alarm systems. There is also no coverage for damage due to pests, breakdowns due to lack of maintenance, or inappropriate usage of the appliance or system. Non-covered events include power surges, smoke, theft, accidents, riots, vandalism, and acts of God.

first american screenshot

First American Home Warranty Screenshot. Source: First American Home Warranty Homepage

How to File a Claim WithFirst American Home Warranty

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. You can call the service number on your contract 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 within 48 hours. Then, the service contractor will contact you directly to schedule an appointment (you’ll pay the service fee at the time of the appointment). The technician contracted with First American will inspect the system or item in question and diagnose the cause of the problem.

Once coverage is confirmed, the service contractor will begin repairs, which may require more than one visit. If they cannot repair certain systems, they may replace them as your contract terms dictate.

First American Home Warranty Costs

Prices range from $47.99 to $87.99 per month, depending on your chosen plan and service fee, which you pay once the technician comes to diagnose the problem with the system or appliance. First American Home Warranty has a $75, $100, or $125 service call fee. The company does not place age limitations on the systems and appliances it will cover. However, there are limits to how much the warranty will cover. Coverage limits range from $500 to $3,500 per item, which is comparable to the industry average. Select appliance limits in the Premium plan extend to $7,000, higher than other companies.

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.

Our Experience With First American Home Warranty

We needed to enter our address and contact information to compare quotes and learn pricing information. Within seconds, we could view a sample contract for North Carolina, and a representative called me within two minutes to discuss options. First American Home Warranty has higher appliance limits than competitors, and its top-tier plan is more affordable than most. Unlike other companies, First American displays a table showing the appliances, systems, limits, and available add-ons, making it easy to quickly compare options online. We attempted to ask questions via the online chat portal, but representatives were unavailable to assist us.

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 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 35 states and the District of Columbia.


First American Home Warranty has customizable and comprehensive home warranty plans. Like other providers, the plans include many exclusions, but the company offers substantial add-on coverage that allows you to tailor the warranty to fit your needs. As with any warranty or insurance product, it is vital to understand the terms and conditions of the coverage you are purchasing.

To confirm pricing and plans from First American, call 877-755-6974 or start a quote online.

281 First American Home Warranty Reviews

Write Review

Featured Review

5 Stars

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!
4 Stars

February 12 2024 11:59AM

First American has been great. They're responsive. They're a good company. Their website's very easy to use. I like it. I haven't had any complaints except with the appliance repair people that they have. They are not the best quality.

Wendy M.
Marietta, GA
3 Stars

February 08 2024 1:51AM

Back in January, I had an air conditioner replacement and it took forever to get that done. We had to go through First American to get it approved, but I finally got it fixed. So, I was happy with it so far. Just the other day, I had to have a garbage disposal replaced. I called to set up an appointment and the guy told me he didn't have time to mess with me. First American got someone else and they got right on it. So, I was very happy about that.

First American saved me quite a bit of money over the years. I've had them for 10 years. They replaced our hot water heater and done some plumbing. It's always been done to perfection but it's just hard to get someone out here. Most of the people they get have to make time to get to this area. It's my only downfall with them. First American has always been very helpful. They've done everything they're going to say and try to stay on top of everything.

Debra R.
Longview, TX
3 Stars

February 06 2024 3:27AM

The service with First American varies. I just had a recent claim, which is being processed and it's gonna get done, but they have a problem with communicating within themselves internally. You talk to one person, and then they give you this other line and it should be on the notes and it's not in the notes, and then somebody else calls you back. It's not like they assign one person to your claim so they can follow it through and that's an internal thing, which makes it difficult at times. Over the years, some contractors are good and some are bad.

I like the way First American is. It's like any type of insurance. Some years you don't use it at all and then, the times you do, you have it. I think they're a little bit too structured on this and that, "It's got to be up to code." Sometimes it gets a little complicated. It depends on your coverage. They do get the service done. In fact, I just got a call this morning, they're making sure contractors got to me, and that they're going to install it this week. So, they do follow up but there are times when it's like their internal communication breaks down.

I stick with First American but what I don't like about it is that, when you file a claim online, it's a computer-generated that sends out whoever they assign you to. You send them in a claim and within two minutes, you get an email back saying, "Oh, your claim is now being assigned to so and so." You know you haven't talked to anybody. So, it's a computer-generated random selection. I've had plumbing issues, and I want the same company who did me a good job. I want them to come back out and it's difficult to get them because of the way they do their assignments.

David A.
San Bernardino, CA
5 Stars

February 02 2024 3:00AM

I'm satisfied with First American. They're a good company. They want people to be satisfied. They've been receptive when I had a problem.

Steve P.
Jacksonville, FL
5 Stars

January 31 2024 12:31PM

When I call First American, I usually get a person. If I don't, I get an email and they usually call me back within 30 minutes and help me set up the order for whatever needs to be repaired. And then, they keep me alerted to who's going to be coming. They send me an email and tell me who I should expect and when I should expect them. The technicians have been great. They usually have been able to fix things the first time. And if they need a part they can get locally, they'll go get it and come back and fix it. In a couple of cases, I had an electrical issue that was kind of complicated and they had to come back a couple of times to be sure that they had the right wiring in place and that it wasn't going to burn down the house.

Florence H.
Ashland, OR
5 Stars

January 29 2024 9:59AM

Everything with First American has been fine. I've had a couple of claims and they've been as timely as anybody. The unfortunate situation is a guy comes sometimes in three days or a week, and then it's another week or sometimes longer before the parts come. But that's been fine. They've had good technicians, and good companies have come. They've all been good and educational. So, I'm happy with them.

One of my claims was on an oven and it wasn't heating properly. The guy showed me a terrific workaround, which was to use another part of the oven. That was the solution and it was great. The other claim was a refrigerator. It was just a small part. That one was strange because they ordered the part and it was like three weeks. I bought the part and fixed it myself and that was fine. It was a $12 part. So, I fixed it myself. It was easy enough to fix. I called the company and let them know that I did that and that their guy didn't have to come out. I also had a claim for my dryer and they changed something on it and it works. First American is a decent company.

Gerald F.
Imperial Beach, CA
5 Stars

January 26 2024 3:15AM

I had First American years ago and I stopped, and then I started again. I just don't like the time frame that it takes for them to come and look at an issue, but they do call me right away. I've never had trouble with people. The representatives are all good. They don't give me trouble.

Socorro M.
Corpus Christi, TX
3 Stars

January 23 2024 1:36AM

First American has been okay. With the last call, though, nobody ever got back with me to let me know that the technician would not be available and that he was at the hospital. I was calling all day and also had my husband waiting all day. Finally, when I called back the last time, they said, "Oh, he's not gonna be able to make it. We'll have to reschedule." But I had the situation taken care of. I had them cancel that particular service call. I also had a request prior to the one that I had to cancel. I was having an issue with the kitchen sink. They sent me a picture of a faucet, and then I found out that the faucet was not covered under my warranty. I was only told to read my contract. It did state that it was not covered but with them handling it, they should have stressed that point.

I don't know if the contractor got back with them to say, "Hey, listen, this is what needs to be done. Make sure you emphasize that because the client or whatever." I was hit with a picture of a faucet, the faucet was delivered, and they were gonna come out and install it. Then that was when I found out that it wasn't covered. I was very upset behind that. I wanted to cancel my contract at that time with First American for that reason. It's a warranty program, and money is taken out of my checking account every month for services. And a lot of times, services aren't even being used.

I've had plumbers to come out under this program before. One guy just went in the bathroom with a pair of pliers and just tighten up the knob and left. The problem was still persistent. He had it so tight that we couldn't even get the water on. I ended up having to call another plumber. The thing, too, is it's like a double payment that ends up coming out. They deduct the money out of my account every month for the service, and then that $85 service charge that you have to pay. Then they didn't get it right, so I have to call somebody else. You got to wait until they schedule you and in the meantime, water was dripping and I' was losing money.

Dee W.
Hallandale Beach, FL
5 Stars

January 22 2024 1:20AM

Submitting a service request to First American has been good. My most recent claim was for a mini split air conditioner in my garage. The heat wasn't working on it, but the air conditioning was working. So, someone came out and assessed it and they said that I needed a new one and that it would cost more than what that one was worth to fix. So, that was what we ended up doing. We put a new unit in there. I had to come out of pocket with some of it. The new system is really good.

Robert M.
Humble, TX