First American Home Warranty

4.3 Stars (317 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

317 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!
3 Stars

November 01 2024 7:20AM

In the beginning, First American had a good price. Then it has gone up. There's been a couple of claims that I'm not very happy with. I had a water heater claim. They said they would replace the water heater. They didn't pay for modification, which I understood. That's in the contract but for whatever reason, there was $600 worth of modification that was needed for this water heater. I expressed my displeasure in that. The person I was speaking to gave me another option. I wish he told me that they would give me the cost of the water heater itself, the labor, and to carry off the old water heater. It ended up being $597, which is absolutely ridiculous because I could go buy a water heater, have it installed, and have it carry off for $597.

I got two different stories. The plumbers told me that they didn't know why these modifications were needed to be made. The plumber kind of put it on First American. I called First American back and asked them about it, and they gave me a list of things that they said the plumber told them that were needed to install this water heater. To summarize my experience with First American, some things are fine but some things are not.

Christopher H.
Little Rock, AR
5 Stars

October 30 2024 7:10AM

There's the ease of contact with First American. The technicians they've sent always do the job right, and they've always been really respectful and polite.

Marie H.
Happy Valley, OR
5 Stars

October 28 2024 10:09AM

So far, First American has been fine. Submitting a service request is a pretty easy process. I've had a couple of plumbing issues, and I went online and submitted my claim and they had a plumber contact me and come out. The plumber did a great job.

Kristine S.
Mesa, AZ
4 Stars

October 27 2024 10:00AM

First American is better than most home warranty companies I’ve used before. They follow through, which I appreciate. Everything, in general, has been good. The thing that could be improved is being able to select the vendor and better quality control of the vendors they use. I either call them or I'll go online to submit my claim, depending on what it is. The process is easy. So far, First American honored the claims I've submitted. My most recent claim was on a broken microwave. It didn't heat. They replaced it.

Michelle H.
Sacramento, CA
5 Stars

October 27 2024 5:09AM

First American sent a guy out for the refrigerator. Our outdoor refrigerator wasn't cooling and he came to fix it. I wasn't happy with the service. He spoke hardly any English at all. It was hard to communicate. Then when he got done, he just left. He didn't even tell us he was done and what he did. Other than that, the refrigerator is doing okay. For the most part, we've been very pleased with the service from the technicians so far. Some are better than others about calling you. You have to call some of them. So far, we've been pleased with First American. That's the reason why I keep renewing. Hopefully, the price will quit going up.

Diane N.
Mckinney, TX
5 Stars

October 25 2024 2:19AM

We bought the house and didn't have any issues until four months after getting the house, and then we had some electrical issues, and First American got somebody out quickly, which I appreciated because all of our lights went out. The technician that they sent out was very knowledgeable and knew their stuff.

Steven S.
Louisville, KY
4 Stars

October 22 2024 10:15AM

I purchased First American once before and did not keep it. It didn't seem to be a good value at that time. I currently have had it for a year, and I've had to use it three times. My most recent claim was for a broken fan in my furnace motor. My only disappointment was the length of time it took to get it resolved. However, I didn't need heat during that period. It took a few days to hear back from the repair company, but the person that they sent was terrific, did a great job, and was very respectful. He ordered the part. They sent the wrong one. He had to reorder it, and he made a concerted effort to get here as soon as possible. Once that part came in, he took care of everything for me. First American is a trustworthy company.

Susan M.
Medford, OR
5 Stars

October 21 2024 7:34AM

We had a dishwasher that went out that wasn't draining. I called First American and told them. I looked at my thing and saw that the dishwasher was on the list. So, I knew when I called that it was covered. The rep said that she would have somebody call me back to set up an appointment. She had me make a payment of $100 before she called them. So, I knew that that was going to be taken care of, and that's all it was going to cost. It was the same day they called. The guy who came out was quiet, and I asked what happened and if it was something we did. He said, “Oh, it's fixed now.” That was all he said and he walked out. So, I didn't know what was wrong. He was okay. He was fast. I just wanted to know what happened, so that I wouldn't do it again and I didn't get that.

With First American, everything is done quickly. When I call them, then the follow-up is right away. I didn't have to wait two or three days. I've had warranty companies before where it was hard to get them. Then when you get them, it's hard to get them to call you back, and it takes two or three days. First American doesn't work like that at all. Everything went very fast with them.

Cecelia H.
Humble, TX
3 Stars

October 19 2024 10:14AM

If something comes up on an appliance, you don't know who would be the best person to call. With First American's service, you don't have to worry about that. They assign a contractor to come out. So, that's a nice part of it. The thing I like the least is, for certain services, there doesn't seem to be any sense of urgency. When my hot water heater went up, it took over three weeks to get it replaced. So, I almost dropped the contract because of that. I know I could just call anybody up locally and get it replaced right away. So sometimes, a replacement takes longer than I think is reasonable. Other than that, the contractors have been very good. So far, I've been satisfied with that.

When I renewed the contract this year, First American had a new option where in addition to covering your air conditioner and your heating unit, they also offered the annual service plan where they would come out once a year to service the air conditioning and the furnace. I had already had a contract with another provider, so they overlapped. So the one that overlapped came out, and they were recommending a replacement on my furnace of the heat exchange. I thought, “Well, in order to get that replaced, I'd have to have a First American contractor come out.” When the First American contractor came out, he assured me that it didn't need to be replaced at that time.

What bothers me is, oftentimes, there's no follow-up communication. If you're needing to get something replaced, for example, a washer during COVID, it would have been nice that the communication said, “Hey, Mr. **, due to supply chain issues, it may take three to six weeks to get you your washer.” They never said that. I would call and nobody knew what was going on, and it was confusion.

Having First American can make the repair and replacement process easier because vendors are assigned to you. Normally, they're good vendors. So, it makes the process a little less of a hassle because it's being taken care of for you, and you don't have to necessarily worry about the reputation of a contractor. You kind of make the assumption that if it's somebody contracted by First American, they've had a good experience with those vendors.

Charles R.
Randallstown, MD
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