First American Home Warranty Review

Rating: 8.5 / 10 (Excellent)
246 Customer Reviews - see all reviews
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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?


Contract & Price
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.


Key Facts

Plan Types
Benefit Limit Type
Per Item

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


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.

Claims & Service


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.

Sample Contract

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

Cancellation Policy

First American Reputation

Company Details

Year Founded
NHSCA Membership
Number of Customers
Number of Employees
TrustPilot Rating
7.0 out of 10
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews

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

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

Latest First American Reviews

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I inherited this warranty with purchase of my home. Made the mistake of renewing for a second and final time. Small repairs went fine but Once we actually had a big ticket item to repair there were additional fees to repairs labeled modifications in addition to your service fee and monthly payment which makes you wonder what is the point of the warranty?. We had a horrible experience with a company they sent out to perform repairs. We were given differing cash out values by different representatives which were both extremely minimal (of course they went with the least amount even though we were initially given a higher cash out value blaming the representative for misquoting even though... Read More

Joseph S
Greeley, Colorado

Upon my 27 inch drop-in range being designated as unfixable, first American offered me a 30-inch oven for a replacement. When I explained that it won't fit in my kitchen I was told that they don't HAVE TO fit the size, only the operations of the ranch. My Choice was to either spend thousands of dollars remodeling my kitchen to fit the range they offered or take the cash out offer which covers 30% of the range I need. They explained that since they buy so many appliances they get them at discount prices and therefore the cash out offer was way less than the range actually costs. In the end, I had to pay $800 of my own money to get a functioning oven again. Was not impressed with their "this... Read More

Maurilio O
Houston, Texas

They are shit. They tell me one thing and turn around and charge me or try to charge me for irrelevant items. Then after my wife talked to the manager for 30 min and didn't solve anything (silent at times, speechless), he still has the nerve to say "can i help you with anything else"

Lakewood, California

I have to laugh...The write up says California based...however when I call in I always seem to get someone in the Dominican Rep. (Book!) We purchased this coverage almost 10years ago when we bought our home. Our home is ild built in 1950, so we felt it was a justifiable coverage, and the 'if' factor seemed inevitable. Over the years we've had to use it on a few things, and everything seemed to go smoothly. UNTIL NOW. On 7/1/17 our washing machine broke. The appliance company who was assigned to our claim was MAC My Appliance Clinic. They came out on 7/8/17 to inform us we needed X,Y and Z, and they needed to submit it to First American for approval. 2-3 weeks later MAC returned to... Read More

Justin W
San Francisco, California

Dysfunctional company with terrible customer service. Use a different company.

Amanda W
Carlsbad, California

Absolutely unsatisfied with my claim resolution! DO NOT PURCHASE COVERAGE! I opened a claim for my freezer door on August 10th, 2017. Following this claim,First American sent a technician from K &G to fill my claim for my freezer not working. Basically, the seal (or gasket) was replaced about a year and a half ago, but still failed to create a seal. Warm air enters the freezer, causing the freezer to freeze over and ice builds over the motor cover. The K & G technician that came out, Max, was great. He clearly explained to me what was going on with the seal, and why it was freezing. He said he was going to send photos with the report back to First American, and then gave me... Read More

Shawn O
McQueeney, Texas

By far the worst company i have ever had to deal with. Customer Service is at the bottom of their list. I have had about 3 claims with them in the past 7 years and none of them have been pleasant. Worst company ever

Adeline O
San Diego, California

I had an issue with a garage door opener. I made an original service call 7/6/17 and they sent out a company/technician. That individual chose to try to "fix" the problem rather than replace the part/opener. When I called back 8/26/17, First American stated I would have to start a new service call because it was past 30 days. They rigidly enforced the 30 day rule when the original problem was not fixed.

Lal H
Chantilly, Virginia

Customer service is aweful. If you don't constantly stay on top of the contractor and First American, you'll never get the repair/replacement you need. Also, I've been on the phone for 46 minutes and counting, waiting to speak to a supervisor/manager. They refuse to allow the warranty holder to escalate the issue, and so nothing gets done in a timely manner. So frustrated....

M c
Groveland, California

Don't get fooled by the service First American promises. I have had a home warranty for a few years and had an air conditioner that has failed during the summer and winter several times. Each time the contractor makes the unit limp along until the next failure. This last time it failed during a heat spell (over 110 degrees). The assigned contractor could come out in 2 days so had stay home to wait but no one showed. They finally came and fixed it the next day but 2 days later it failed again. This time they said they couldnt come out until Monday (3 days later). First American could not find another contractor to help so we were stuck and had to stay in a hotel for 3 days. First American... Read More

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First American Home Warranty