First American Home Warranty

4.3 Stars (335 Reviews)
Most Reviewed
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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

50 Stars

Coverage Area

4.3 Stars

Customer Service

4 Stars

Overall Rating

4.3 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.

Pros

  • 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

Cons

  • 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.

Coverage LengthCancellation PolicyRequired MaintenancePricing
– 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 Fast Facts

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.

First American Home Warranty logo
4.3 Stars

First American Home Warranty

  • Three Fee Options
  • Monthly or Annual Payment

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.

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.

Conclusion

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.

First American Home Warranty logo
4.3 Stars

First American Home Warranty

  • Three Fee Options
  • Monthly or Annual Payment

335 First American Home Warranty Reviews

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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!
5 Stars

April 08 2025 9:13AM

I put in a claim to First American on Saturday, and someone is supposed to be come out and look at my air conditioning unit, and nobody came yet. The tech's supposed to come out and check the unit again. This is about the fifth time I had problem with my unit and they came back and forth out. They were supposed to call me today, and nobody did. I called them yesterday and today, and nobody ever picked up the phone.

In the past, when I submitted a claim, they were good. Their customer service representatives' attitude was good. Their hospitality was good. It was just one company wasn't too knowledgeable, but the other ones they sent out were awesome. I will recommend a friend because I like what First American does and I like the work.

Sharon G.
Boiling Springs, SC
5 Stars

April 05 2025 2:38AM

My experience with First American has been good. Their customer service and the quality of work that was performed were great. The technicians have been very good. Overall, the company's really good.

Michael C.
Bensalem, PA
5 Stars

March 29 2025 5:06AM

Our recent claim experience wasn't perfect because it took a long time for the part to come in, but that's not First American's problem. They've been really wonderful with us. We've been with them for several years. We bought a house and someone recommended that we pick it up and we did, and we've been happy with them. Submitting a claim is easy. We hadn't had any issues there at all. Overall, they're a good company.

Don P.
Little Rock, AR
5 Stars

February 27 2025 11:07AM

My garage door wouldn't open and close. First American sent out a guy and he did a good job repairing it. He did it in approximately 5 to 10 minutes. He had a positive attitude. It was a great experience. As far as First American, I've been with them for four years and I never had a bad experience at all.

Rodney B.
Toledo, OH
5 Stars

February 23 2025 7:12AM

I like that with First American, I could buy an upgrade to cover things that I didn't know about because we are not the first owners of our home. We don't know what the people before us have done. We found some interesting things. I like that I can buy extra coverage for extra refrigeration, and things that are not in our main house because we do have a freezer and a refrigerator out in our garage.

We've never had an issue with submitting a service request. They've been pretty attentive. This last claim, we thought our heater had gone out, but it turned out that our thermostat had gone bad. They got somebody out here quickly. I reported it one day and they had somebody out a day or so later. The person that came had the part handy. A thermostat really should be something that a person that comes as an HVAC person should have. I feel like that's a very common thing that they should have with them. Overall, the technicians that they've sent out to my home have always been really good with us. We've never had a bad interaction with anybody. I would definitely recommend First American. In fact, I have recommended them to people.

April G.
Saint George, UT
5 Stars

February 21 2025 7:51AM

I was in the mortgage industry for over 50 years and that's how I knew about First American. When we bought the condo here, I decided that I wanted to use them. Submitting a claim with them is very easy to do. I do it online. As far as the technicians, I have had no problem with any of them. They've all been very friendly, but professional and taking care of their business.

With First American, I don't have to worry about how I am going to find somebody to fix something. All I do is log in to First American and they take care of it. I always tell other people, "Look, I've lived here for six years and, for a while, I did not ever have a claim. But they've repaired two of my appliances and they've replaced two of my appliances." My husband passed away last year, so now, I don't have him to do the little things. First American even has taken care of the things that he would have done for me. First American is the best. I have a lot of friends here in this condo project and I'd say, "Hey, you would have been better off to get First American." They said, "Well, they were a little more expensive." I said, "You get what you pay for." It's not that big of a deal to me because you know you're dealing with a good company.

Marian L.
Galveston, TX
5 Stars

February 19 2025 11:04AM

I've had First American Home Warranty for about 13 years. This is our second home that we've moved it to. I had called the Better Business Bureau and they had given them a high rating. So, I went with them instead of a DTE. As far as their claim process, you just log in and then select what you need assistance with, you pay the fee, and then they assign a technician and that technician reaches out normally within about 24 hours, and then they make an appointment to come out.

Every one of their contractors has been very nice. The most recent claim I had was for our furnace. The motor was blowing, but wasn't producing any heat. The young man changed the sensor, and then it worked. Overall, it's very easy to get help from First American. They send people that are local and you're not getting somebody that's super far away and it's hard for them to travel. So, we're super pleased. We've had claims for many different things and everything has been successfully repaired.

Tami H.
Grosse Ile, MI
1 Star

February 19 2025 5:00AM

I'm not happy with First American. When you call, they're very nice. It's just the people they send out don't do anything. I had a really bad experience so far. I always check to see if things are covered with them and online before I call, and of course, they want the $85 upfront. I've had two people come out. The electrician was okay because he just told us how to operate the heater. We had three other issues, a garbage disposal, a leak in a pipe in the guest bathroom, and on the faucet, water was coming out of the top. The plumber didn't fix one of them. I even called First American and asked them to send him back out. I don't know if they did or not, but they closed the claim and said it was done.

I had American Home Shield before and they were the same way. They would take your money, come out, and say, "Either we can't fix it or it doesn't need to be fixed or it's okay the way it is." So, I dropped them. But now, First American seems to be doing the same thing. I spent $170 for nothing. So going forward, I'm just gonna look online and get a local person to fix things. Right now, there's an issue with the refrigerator, but we're not going to call First American. We're just going to get somebody local to look at it. For $85, they'd probably fix it. But with First American, I don't even know if they would fix it or not. They'd probably say it doesn't need to be fixed. I would not recommend their company like I wouldn't recommend American Home Shield.

Mary S.
Laguna Hills, CA
5 Stars

February 17 2025 6:06AM

First American was part of my deal when I purchased my home. It was a one-year home warranty and after that, I just renewed it. I've been protected for two years and I didn't have to submit a claim until about two months ago. I simply called and they set up contractors to come out and take care of my problems. The claim process was very easy for me. I had an issue with a garbage disposal. What I didn't know until I talked to my brother was there's a reset button. So, I hit the button and it started working. That was a day before they were supposed to come out. So, I canceled that claim.

The other one was an issue with my garage door. A gentleman came out. He was professional. It took him 20 minutes to fix it. One of my sensors wasn't situated properly. He aligned it and he fixed it. I haven't had an issue since. First American is a great company. I like the idea that I feel safe and secure, and that I'm not going to have huge expenses when I have something go wrong at my house. If you don't have to use it, that's great. When I did have to use it, they responded quickly.

Art G.
Indianapolis, IN
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