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
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

October 02 2020 4:54AM

We had this policy as an incentive from the seller of our home. It is not worth even having for free. No customer service, they lie about appointments, parts ordered, in the end you end up frustrated and without anything being fixed.

I have never dealt with a company as horrible as this. Don't waste your money and time, look elsewhere. Customer reviews say everything and none are good. They need to go out of business so people stop being ripped off. Disgusting.

Alina D.
Simi Valley, CA
September 27 2020 3:06PM

I called on my A/C and had already had one call. The repair people told me I needed an Evaporator Coil. After waiting to hear from someone, I called FAHW and they told me the part was on backorder and would be a number of weeks before shipping.

After explaining that several weeks was too long to go without A/C in Houston they said they would try and find a source that could handle it.

That was when they told me I would be paying $1200:Of the total $2000 cost of “modifications” and pointed out obscure wording pages after A/C section of the Warranty Agreement.

I replaced my entire Unit through a reputable local company for only $5300 with a 10 year Warranty. I will not be renewing.

Henry P.
Montgomery, TX
September 17 2020 7:04PM

I requested 2 different appliances for repair. They charged me for both. It's the same contractor should be one charge.

After 3 days of trying to call thru repair line (there is no number for customer service) I was refunded the double fee but they cancelled dishwasher service. My contract up next month. Looking elsewhere.

Diane B.
Ripley, TN
September 16 2020 4:49PM

My AC stop working during very hot humid month during on-going California fires. Called for AC service dozen times trying to get AC tech to service my home asap. I explained to customer service I'm 65 and have difficulty breathing because air quality is bad.

Customer service communication was very bad and could not get tech to my home for couple weeks. I even had them elevate the claim as emergency and tried to get them to authorize for tech not on their list to service me asap.

They did not approve authorization and said I had to wait. I had the Premier Plan and had 2 service calls for the year. I'm very disappointed they did not care about my situation. I would not recommend them due to very poor customer service.

Roberta A.
Norwalk, CA
September 13 2020 3:06PM

I called about a broken washer/dryer at the end of July. The contractor came out and was able to fix the dryer, but suggested replacing the washer. FAHW said I should be contacted between 5-10 business days.

It is now September 13th and I still have not heard from the supplier after several 45+ minute phone calls with FAHW. I have been having to go to a laundromat (during a pandemic) for the last 2 MONTHS when they said it should be fixed within 2 weeks.

FAHW is a fraud, not helpful, and extremely difficult to get ahold of much less understand any of the workers. I will NEVER recommend this company to a homeowner.

Cory P.
Kingsport, TN
September 10 2020 7:43AM

One month no AC, over 110 degrees, wife being treated for dehydration and heat stroke, 33 hours on hold with no answer, 20 plus emails with no answer, used service four times in the last six years each time a disaster. Company is a SCAM and I'm an idiot for staying with them.

George K.
North Las Vegas, NV
September 06 2020 12:06AM

Our a/c went out on August 8th. It took a week to get them to send one of their contractors out. He was on the roof 10 minutes and left and said he had to send a report to FAHW. It took a few days to do that.

FAHW has automated systems so trying to talk to a live person is impossible. 2 weeks into no a/c and still 100 plus degrees, I'm in CA, I finally got a live person in EL SALVADOR. Really!!!!

So it turns out they said we had to pay the non-covered fees, 2260.00, which we never were told about. So long story short

Gloria E.
Modesto, CA
August 26 2020 12:45AM

A/C went out. Filed claim. 4 days later contractor showed up. Says needs a compressor. 3 days later warranty company says parts ordered. Now 9 days later and temps in the high 90's still no parts and no A/C. Worst service I've ever received.

Rodney L.
Amarillo, TX
August 22 2020 12:37AM

This company is one of the worst companies ever. I acquired this warranty for free through a purchase of a new home and in the last three months I’ve been waiting over 45 days for a washer.

The first 31 days the service company was never contacted and never showed up on three different occasions. I will never ever recommend this company to anyone. It’s got to be the worst company I’ve had to deal with in my 20 years of dealing with public companies.

I am still waiting 17 days for someone named Franklin ** to call me back. Go on their website and I’ve posted 17 messages.

AJ S.
Shrewsbury, PA
August 18 2020 5:19AM

Where do start, after just signing up with them my freezer stops dispensing water and ice, so I call. They sent out a very unprofessional company, the contractor was rude and did not wear mask, gloves or booties (this is during Covid times).

He then tells us he needs to order a part and leaves. (He never opened or took apart anything. Just took pictures and wrote down serial numbers). I called his company to address my concerns about the ppe for the contractor.

Next day First American calls me and tells me it is not covered due to rust in the lines, what lines? He NEVER OPENED ANYTHING! Then they tell me they don't cover dispensers, what's the point of warranty!

I called First American and canceled my contract and they only refunded me half of my 350 payment. THE ABSOLUTE WORST COMPANY EVER!

Vincent R.
Corona, CA
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