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.

  • 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
  • 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.


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

July 18 2019 4:49AM

Do yourself a favor and stay away from First American Home Warranty! As a first time home buyer I'm incredibly disappointed with the services from this company. We called them to fix a leak in the bathroom. First they canceled the original appointment because they claimed that they had the wrong address. The appointment was reschedule to a few days later. When the day came, they called a few hours before schedule and tried to cancel it again saying that they were running behind. I mentioned that I had left work to open the house for their visit, and that I'd want them to come. Long story short, an "employee" named GERA showed up 3 hours later, he did not come in a work related vehicle and did not bring any tools with him. I met him outside the house and walked him inside to where the issue was (a continuous leak in our shower). Gera took a few photos (on his cell phone)of the shower and handed me a receipt stating that I owe $75.00 (cash only). I kindly told him that I do not mind paying but he did not service anything and that I wanted a work order made or service done before I pay. Gera did not state anything about what he or the company will do or let me know of any service that would be needed. He simply said that was okay and walked out of the house. I did not hear back from the company again. I, as a woman, thought that this was the most unusual service situation and was completely uncomfortable with his late hour, not work related car, no tools, and him asking for cash. I had to go outside the company and get the leak fixed by another outside company and paid my own money. Later I received a call from First American stating that I had an outstanding balance for work the bathroom work that they claimed to have done themselves. After explaining the situation they demanded proof that I had gotten the service done by another company. After providing them with the information they requested, I was surprised to receive a letter from a collections agency requesting the payment. I also noticed that my case has moved from closed to re-opened without my knowledge. This situation is ridiculous, I had to spend more money to get the bathroom serviced, and also my personal time on phone calls and sending emails to this company and they are still trying to charge me like they completed work at my house. I would NEVER recommend this company to any friends/relatives, and it has dramatically shaken my belief in the "home insurance" market. One star is more than they deserve. Get it together First American!!!

Kristina S.
Mission Viejo, CA
July 15 2019 6:29PM

Do not open an account with First American Home Warranty. AC stopped blowing cold air May 18 so I called an opened a claim. With 100 + Texas heat today is July 15 and my AC is still broken and not being serviced. I have the Premier Plan with Central AC and first class upgrade. Every time I call First America, I receive a new / different representative who is clueless, makes excuses, victim blames, reads off inaccurate notes created by previous employees, and asks for more money.

John S.
July 12 2019 5:10PM

I just purchased my home and bought the top of the line coverage- Eagle Plan for $600 a year. Recently moved into my house and had a plumbing/leak issue in both bathtubs so I called to use my plan's coverage today. But, when the technician called his First American to find out about my coverage... they told him my issues were not going to be covered due to my only living in my house a week. They called it a pre-existing condition and had I waited another month, then my plumbing would have been covered. WOW!!!!! So, I paid the tech the $75 service fee only to find this out. VERY, VERY UPSET ABOUT THIS.

Deborah D.
Humble, TX
July 10 2019 4:35PM

Day 10! Only service from First American Home Warranty was to dispatch a company, (not from our area). The technician spent 10 minutes, rushed so fast to next call, he forgot his tool in the yard. Next day when questioning the procedures for making repairs/vs replacement of our ac unit, the tech stated, "they (FAHW) won't listen to me! More discussion, tech became agitated, threw work order at me, 70 year old, woman, cursed....Started to bolt from the house. My husband tried talking to him, received more Curse words! Felt physical fearful by his lack of composure. Since then, we have called 2 times a day, everyday! Asked to send an independent estimate for replacement of indoor, outdoor unit. We complied. Constantly given different names & extensions to call. Left messages everyday! (begging for answers & call backs). DAY TEN, part not ordered, service call not scheduled. THIS WAS CALLED IN AS AN EMERGENCY CALL, DUE TO HEALTH ISSUES & OVER 100 DEGREES HEAT FACTOR. *****I wouldn't spend a nickel for this verbal, physical intimidation, manipulation, and NO SERVICE***** SHAME ON ANY EMPLOYEE WHO HAS DEALT WITH US! We are escaping heat in public buildings, SENIOR CITIZENS, OVER 70 years old. NIGHTMARE WITH FIRST AMERICAN HOME WARRANTY CONTINUES!

L P.
Pflugerville, TX
July 09 2019 6:09PM

Communication is horrible - they don't return calls or emails - When I first got the warranty things went well - but now that I need my AC coil replaced the company they sent out wants to charge me an extra $720 for work that is not covered and not necessary (I had a second opinion done). I have been waiting since June 28th for Bestway Mechanical to call me to explain why they think the charges are needed today is July 9. I have made 3 phone calls to the warranty company asking about the charges and they told me that if I refused to pay Bestway Mechanical to do the non-covered work they would not pay to have my coil replaced. Then I was told there was a cash out option - they gave me an amount but REFUSE to give me the break down - part - labor - freon. I asked to speak to Marie supervisor and she hung up on me and when I called back the next person I talked to told me that the cash out option had been deleted.

Chris L.
Simpsonville, SC
July 09 2019 3:17PM

First American is a total scam. They work with only the cheapest and worst contractors. I bought a new home that had an old AC unit and tried for three years to replace it, but First American would only cover adding in more freon, at $600- $900 cost to me. Finally when freon was outlawed they agreed to replace it, but would only cover the cheapest unit. The contractor they sent did not show up twice, and then installed a new AC without replacing the old hardware! The new unit overflowed, stopped working, flooded my apartment and my downstairs neighbor's apartment. They charged me $600 on top of the installation for a crane, but didn't even use a crane and never refunded me. I had to pay $5200 for the unit, having a professional HVAC company come to repair the damages they caused, to repair my floor and my neighbor's ceiling. The HVAC company suggested suing them, their installation work was so bad. It's now been 2 months of endless emails, phone calls, etc. trying to get this resolved. I did not have any AC in the DC heat for over one month. First American refuses to cover any of the expenses and says that the “Company is not responsible for consequential, incidental, emotional distress, pain or suffering, tort or exemplary damages, secondary damage, loss resulting from the malfunction of any Item, or a Contractor’s delay or neglect in providing, or failing to provide, repair or replacement of an Item.” AVOID THIS SCAM LIKE THE PLAGUE.

Joya B.
Washington, DC
July 09 2019 12:09AM

Don't, just don't use this company. Four months without a refrigerator and now got to the point where I just ordered and paid for a replacement myself. They refused to repair it after a couple of service calls, then low balled on a replacement with a budget brand that wouldn't match with the rest of my kitchen appliances ("same features" as my KitchenAid apparently), then they offered less than half of the cash value to buy a new one. Totally insulting after spending so much and waiting so long. Zero point in a warranty, zero point in buying their upgrades, zero point in this company actually existing.

Andrew S.
Los Angeles, CA
July 08 2019 6:07PM

I would strongly advise against purchasing a home warranty through this company. Had nothing but problems with them and it was a huge waste of money. Called them to check the attic for mice as we were hearing noises. The first vendor came out (I missed work to meet him) and said he was too busy with his regular customers and did not have a ladder to access the attic. They sent out a second vendor and he said their company is not allowed to go on the roof (I missed work again). They still insisted on their $75.00 service call. So, please be aware that they can just send vendors to your home that do nothing and they'll still want their $75.00.

M H.
Orange, CA
July 08 2019 4:20PM

FAHW is a great co and you get what you pay for folks. Hm warranty co’s Do not pay for everything but they are a great source when a major system or appliance goes out. Yes, I may have to pay for some code updates or home modifications or other based on which plan I have but for the most part, FAHW has saved me TONS of money for what I paid to have it, about $450. So I say, read any contract you sign, know what is and is not covered and know the warranty co’s Are not an emergency service or a 100% pay all gig. But you will save thousands of dollars when a big ticket item goes out as opposed to paying all 100% if you didn't have the home warranty so THANKS FIRST AMERICAN. You’ve done a great job for me =-)

Beverley F.
Dallas, TX
July 05 2019 10:42PM

Do not use this company. What a joke and a scam. They are trying to tell me that a lizard is my pet and they don’t cover repairs that are caused by my pet! Cancelling my service with this lousy company.

Dana M.
Houston, TX
Write Review