First American Home Warranty Review


Rating: 8.5 / 10 (Excellent)
326 Customer Comments & Reviews - see all comments
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First American Home Warranty is a California-based company founded in 1984 for the purpose of providing home warranty products and services in the United States. They provide coverage for home systems and appliance repairs for homeowners, sellers, buyers, and real estate agents. The company is BBB-accredited, with a B rating, and a four-star TrustPilot score.

How is First American rated?

Breakdown

10/10
Coverage
8/10
Reputation
8/10
Contract & Price
8/10
Claims & Service

Overall Rating: 8.5 / 10 (Excellent)

With more than 30 years of experience, First American has proven itself a leader in the home warranty industry. The company serves over 450,000 customers across the nation, offering year-round repair and replacement services, even on holidays. Some of the most attractive features of First American home warranty plans are their comprehensive coverages, standard prices, and lower-than-average service call fees. First American is an excellent option for anyone looking to protect their homes for a reasonable price and receive quality service 365 days a year.

Coverage

Key Facts

Plan Types
Appliances
Combo Plan
Benefit Limit Type
Per Item
Unlimited

Coverage - 10 / 10

First American offers two plans, the Basic coverage and Premier coverage. While their basic coverage protects mainly kitchen appliances, their Premier plan offers complete protection for all main home systems as well as appliances. In line with most businesses in the industry, however, they will not cover cosmetic damages, damages due to improper maintenance or installation, and any known or unknown pre-existing conditions. Coverage amounts differ by contract, yet their limits range around $3,000 in the aggregate for kitchen refrigerators, $1,500 for heating systems, and $500 for ductwork, which are substantially higher than comparable companies.

What does First American cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters

Covered Appliances

  • Refrigerators
  • Clothes Dryers
  • Clothes Washers

Exclusions

For a full list of First American exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump

Contract & Price

Contract Details

Annual Premium
Starting at $288
Minimum Contract Length
12 month(s)
Online Quote/Application

Contract & Price - 8 / 10

Annual premiums with First American can range from $288 to $468, quite reasonable within the home warranty industry. The company extends a standard 12-month contract term and allows customers to obtain quotes and enroll online. Contracts seem to have different cancellation policies according to geographical location, so customers are advised to read their warranty agreements thoroughly before signing. For instance, Texas residents may cancel their plans within the first seven days of coverage for a full refund, whereas Virginia residents have 20 days to cancel and receive back the entirety of their payment, provided they have not filed any claims under said contract.

Sample Contract

First American provides a sample contract for potential customers on its website: First American Sample Contract

Claims & Service

Claims

24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
0 days

Claims & Service - 8 / 10

First American has some of the most affordable service call fees in the industry, which range from $50 to $65, depending on the plan selected. The company also offers a vast network of pre-screened contractors and technicians, as well as a 24/7 claims department. Although their service offer is similar to that some competitors, it must be noted that First American contracts are short and easy to understand, which is another feature that potential clients will surely appreciate.

First American Reputation

Company Details

Year Founded
1984
NHSCA Membership
Number of Customers
450,000
Number of Employees
351
TrustPilot Rating
7.0 out of 10
BBB Rating
B
BBB Rating
6
BBB Neutral Reviews
4
BBB Negative Reviews
277

Reputation - 7.5 / 10

First American is a BBB-accredited business with a B rating and composite score of 2.82 out of 5 stars based on 321 customer reviews. Although they have received a considerable amount of negative client feedback at the Better Business Bureau's website, the agency has granted them accreditation based on their commitment to making a good faith effort to resolve consumer complaints. Additionally, the company is a member of the NHSCA and holds a noteworthy Trustpilot score of 7.0 (Great).

Contact & Additional Information

Homepage URL
Company Phone
(800) 992-3400
Mailing Address
P.O. Box 7248, Santa Rosa, CA, 95407
Year Founded
1984

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326 Customer Comments & Reviews

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Tim G
Los Angeles, California
6/22/2018
When purchasing our home nearly 3 years ago, someone had recommended a certain home warranty company. We specifically requested that company during the escrow proceedings; however, since the seller was paying for the home warranty, we didn't really have a say in the matter and the seller chose First American (apparently they were the least expensive - for obvious reasons, in retrospect). Within the first month after moving into our new home, we needed to make a claim; and within the first year, we needed to make two more claims. First American was the worst in handling any of the 3 claims.


Tim G
Los Angeles, California
6/22/2018
When purchasing our home nearly 3 years ago, someone had recommended a certain home warranty company. We specifically requested that company during the escrow proceedings; however, since the seller was paying for the home warranty, we didn't really have a say in the matter and the seller chose First American (apparently they were the least expensive - for obvious reasons, in retrospect). Within the first month after moving into our new home, we needed to make a claim; and within the first year, we needed to make two more claims. First American was the worst in handling any of the 3 claims.


T
thurmansonja@yahoo.com
San Jose, California
6/21/2018
This service sucks...I have been paying for the warranty for over two years now and have utilized it maybe 4 time, but 3 out of the 4 claims have been denied. Most recently, with my electrical (something important and costly) I put in a claim of power outage and outlet outage, they sent someone out who was there all but 15 minutes, she rewired something and some plugs came on. She recommended that we replace the breaker that it was old and shoty. She also said that the paint on the box could have caused the problem. The thing is, is that I purchased this home two years ago, never have painted it, have a clean inspection report for the electrical at the time of purchase, yet I was... Read More


B
brent r
Toronto, Ontario
6/21/2018
I would not recommend using your plan, I had their coverage for 5 years, had several claims in the last year, and got a letter informing me that they would not renew my policy. they covered the items under the claim, but just would not renew


L
Lee
Chicago, Illinois
6/20/2018
I cancelled my home warranty with First American due to the overseas customer service. I had trouble everytime I had a claim with understanding the person. I was taking to. They read from a script and do not deviate. This leaves one wondering if they even hear you. The last straw was when I asked for a supervisor. He was very rude, in another country and laughed at me. He was frustrated and asked me to hold. I put my phone on speaker and waited over an hour. Working in a call center I knew he was not allowed to disconnect. He never came back and the line was eventually disconnected on the other end. I called back the next day and hit prompts until I was able to get... Read More


D
Dan
Atlanta, Georgia
6/16/2018
Submitted a request to them about my A/C 4 days ago and haven't heard anything from them. Will be looking for a new company. I DON'T recommend them.


Brenda K
Atlanta, Georgia
6/14/2018
This company has been a GREAT disappointment. I live in Florida and have been without AC for over a week in the middle of June. The temperature in my house has been 84-87 and it is simply unbearable. Their resolution thus far has been for me to purchase a portable AC unit and they will eventually reimburse $100 of the cost (the unit cost $400). The repair company they sent is also a JOKE - they have had their BBB affiliation revoke and have nothing but bad reviews, yet First American sends them to "fix" my unit - I am sure they were simply the cheapest bid and I wonder why????? Bottom line is we keep getting the run around and being thanked for our patience.. Also, when I... Read More


Gerry S
Dallas, Texas
6/13/2018
I've made a claim about my ac. The tech says its an old unit and I am to expect it not to cool (currently it's 80 in my home and ac is 'running ') he further says they will not cover replacing it? I'm waiting for an explanation.


J
John B
Atlanta, Georgia
5/31/2018
I had a problem with my heating system in that I could not control the heat in a bedroom. I called First American Home Warranty and explained my problem. The agent told me he thought it would be covered so I agreed to have their service rep come to diagnose the problem for $75. The service rep thought it would be covered. I waited two weeks before hearing from First American that my warranty did not cover zone controllers so I just wasted $75. Very disappointing.


D
Debra W
Ashburn, Virginia
5/30/2018
Debra W McLean, VA We had them for years but they got worse over time until we got tired of arguing with them over what was covered and the quality of technicians. I complained about Rush Cos. But they kept sending them. Any technician who comes to the door with a clipboard and not a tool bag is already going to lie about your problem so they can make more money. Plus they don't cover replacement of high end appliances and only $250 on the repair. Not worth the headache!



Our Partner
8.5 / 10
  • 24/7 support whenever your appliances fail
  • Large network of independent prescreened contractors and qualified technicians
  • In business for over 30 years
  • Good coverage on home systems
  • Does not cover pre-existing issues
  • They will replace items that fail if they can't be fixed regardless of age, make or model