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

December 09 2020 1:49PM

They had 2 different contractors come to my rental property 4 times for the same problem. After the fifth time they tell me it's due to spiders and rodents clogging the hose. But they told me after the 2nd visit it was the hole and they replaced it.

Now they come with this bull. I asked for proof, and haven't gotten proof yet. I went to the property and there was none. I will be canceling this contract. There is nothing in the contract about rodents.

Customer service has a bad attitude. They talk to you like they are the the irate pissed off customer. I have several properties covered by them. I will be canceling them all!!!

Shivella D.
Memphis, TN
November 30 2020 6:07AM

We have been trying to get our dishwasher fixed for over a month now and been getting the run around. This is our second claim and the first time was just as hard. We have talked to several people in management and have gotten nowhere.

Obviously customer service is not their first priority however they have no problem taking our monthly payment.

Esther A.
Temecula, CA
November 25 2020 5:19PM

I am a USArmy veteran. My bathroom had some plumbing problems. I filed a claim. An emergency claim. This was on Nov. 20, 2020. They set me up with a Tech. They said Dec. 2nd so I called the company back.

They started giving my the run around saying they would call back. Never did. I called them back again. When I reached them I asked for a supervisor. They kept me on hold for 30mins. The supervisor told me I would have to call a plumber myself and pay for it.

I didn't have any money to pay for the repairs. I asked why I had to call for a plumber myself and pay for it. This is why I pay my insurance every month on time, Then the supervisor hung up on me.

I would NEVER EVER RECOMMEND THIS COMPANY TO ANYONE!! Still not fixed. Don't know when it will be. This is all unacceptable!! Run don't walk away!!

Cassandra B.
Lompoc, CA
November 21 2020 3:05PM

-1000 stars! They deserve to be shut down!!! Their customer service representative are in El Salvador! Weeks of frustration trying to get a heater fixed for my rental home. My tenants are freezing and calls for emergency safety help go unanswered...still no help.

Had to call a repair person ourselves. They lie to you and tell you they are going to find a solution and never call you back... Outrageous....Don't, I repeat- Don't use this company!!!!

Catherine G.
Greer, SC
November 21 2020 3:01PM

Use substandard techs!!!. Leak in 2 tubs. Told 1st leak normal ''water clearing line.'' 2nd leak -now knob TOO tight to turn. Told not strong enough and due to new seal and will loosen up with time.

But Delta states he just tightened adjustable ring too tight and can cause damage to other parts requiring future plumbing problems. 2nd opinion tech under disciplinary action by CSLB for 8 charges. Refused this plumber.

Now scheduled appt with another plumber that has an ''f'' BBB rating and NOT accredited. CSLB shows this plumber exempt from work. comp. because sole proprietor yet secty. states many companies in no. Calif. and plumber coming from San Jose (FEARFUL OF RESULTS SINCE SAW MANY BAD REVIEWS).

Earlier prob. with stove and tech told me that I looked handy and could rewire stove myself! ''YOULL NEED A LOT OF WIRE.'' Also other mistakes causing grief. DONT USE 1ST AMER UNLESS YOU WANT TO END UP PAYING FOR REPAIRS YOURSELF!!!

Anne M.
San Mateo, CA
October 31 2020 2:35PM

I wish I could give zero or negative stars to them.. Really frustrated with them.. Water heater issue for last 2 months and I am calling them every day with same answers that plumber will come or give report etc, etc with no follow up or intention from them to fix it..

Atul K.
Dublin, CA
October 18 2020 4:21PM

We had the warranty going on 2 years. Our air conditioning went out, living in Florida it is not pleasant without a\c. It took 7 weeks to get it repaired.

The contractor came in 6 times replaced 7 different parts. Each time that didn't fix the problem and would have to get authority to order another part, before getting the complete unit replaced.

Over the 7 weeks I had made about 100 calls to First American and the contractor assigned, not 1 person returned my phone call. I even called the CEO 3 times leaving messages with no return call, Jeff doesn't want to hear a customer problem.

Take into consideration they have 24 - 48 hours to contact a repair company. The repair company looks at it and has 24-48 hours to report what the problem is. First American has 24 -48 hours to make a decision then order the part needed.

Contractor has 24 -48 hours to try again. Then take into consideration every time the part is not available and will be a few weeks, if you are lucky.

Calling local a\c companies and every time the parts are readily available, but they can't buy from them. To be polite the customer service sucks.

Herb W.
Port Orange, FL
October 16 2020 11:21PM

Definitely disappointed. Called for a repair for my microwave, I pay extra for first class service, it states the microwave oven door glass is covered.

The bottom of the microwave had a piece of tape to hold the glass in, claim gets declined because "it still works with the tape on it", ummm okay but if I remove the tape there no glass...so then it needs to be repaired or replaced.

Gentleman told me to read my contract clearly (with an attitude). When I tell him the website gives me an error when trying to pull it up he says, "Well it's there on the contract." Such unnecessary rudeness.

Crystal R.
Canyon Country, CA
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
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