Rating: 8 / 10 (Very good)
590 Customer 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. </br> </br> They provide coverage for home systems and appliance repairs for homeowners, sellers, buyers. The company is BBB-accredited, with a B+ rating, and a four-star TrustPilot score.

How Do We Rate First American?

Breakdown

3.5/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.0/5
Additional Benefits
3.5/5
Customer Experience

Our Overall Rating: 4 / 5 (Very good)

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 at 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 Options - 4.5 / 5

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 Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater

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 $300
Minimum Contract Length
12 month(s)
Online Quote/Application

Contract & Price - 3.5 / 5

Annual premiums with First American can range from $300 to $500+ depending on the plan and option selections, 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

Service Fee
$75 - $100
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
0 days

Claims Processing - 4.5 / 5

First American has some of the most affordable service call fees in the industry, which range from $75 to $100, depending on the plan selected and state. 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
8.0 out of 5
BBB Rating
B+
BBB Positive Reviews
6
BBB Neutral Reviews
4
BBB Negative Reviews
277
Date Collected
2025-07-14

Reputation - 3.5 / 5

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 8.0 (Great).

Contact & Additional Information

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

Our Partner

Special Offer: $100 Off with Code PROTECT

  • 35+ Years of Industry Experience
  • Unlimited Home Service Calls
  • Get a Replacement If It Can’t Be Repaired
  • Filing a Claim Won’t Raise Your Rate

Latest First American Reviews

larrysawyerphone

9/12/2025
Absolute worst repair service company to do business with. Have had at least 8 cancelled or completed service calls to repair a refrigerator icemaker- still doesn't work. Twice the company has confirmed Saturday service calls (between 8-5) only to not show or call. Have had similar unkept appointments with no shows resulting in missed work during the week. Last icemaker replaced 9/6/25 worked twice and then quit. TV advertises they will repair, replace, or give you your money back- no questions asked. Tried to get my money back after last failure and they refused saying they would have to send a tech out again to diagnose- don't have the time nor money for anymore of that crap.... Read More


paulabelowitz

8/16/2025
Headline: Avoid At All Costs - Two Months, Two Wrongful Denials, Still No Repair If I could give zero stars, I would. Our experience with First American Home Warranty has been a complete nightmare. We filed a claim in mid-June for our pool's primary salt cells. The contractor they assigned couldn't be bothered to show up for six days, leaving our pool at risk of turning green. To prevent thousands of dollars in damage, we were forced to get a temporary "loaner" part from a competent, licensed professional we found ourselves. When First American's contractor finally arrived, he didn't perform any work. Instead, he used the fact that we had a temporary part as an excuse for First... Read More


dollytop80

7/21/2025
Thought this was reputable company until needed air condition service...Put me with some fly by night company with bad reviews and got appt ...was supposed to come in the morning and called to see if would be on time and said man got in wreck and could not come for another week said didn,t have anybody else called home warranty and they said they couldn't,t find anybody else either to even call..what the hell is the company being run by...They need to be accounted for after taking people money..


pdpx7drummer

7/18/2025
The absolute worst people to deal with in existence. Trying to get an A/C repaired for a month now. A MONTH. I’m having to buy window units to keep my family in a safe environment. The first company they used company came out and all they did was “top it off” and leave. Spent 5 minutes on property. Shocker when the problem was the absolute same not 48 hours later. Called extremely frustrated wanting my own contractor that I trusted to come and actually fix my problem. They said that was not acceptable and that they would call another contractor. Shocking story, that contractor never showed and was not answering calls and had a full voicemail box (I wonder why). Then the 3rd company showed... Read More


pdpx7drummer

7/18/2025
The absolute worst people to deal with in existence. Trying to get an A/C repaired for a month now. A MONTH. I’m having to buy window units to keep my family in a safe environment. The first company they used company came out and all they did was “top it off” and leave. Spent 5 minutes on property. Shocker when the problem was the absolute same not 48 hours later. Called extremely frustrated wanting my own contractor that I trusted to come and actually fix my problem. They said that was not acceptable and that they would call another contractor. Shocking story, that contractor never showed and was not answering calls and had a full voicemail box (I wonder why). Then the 3rd company showed... Read More


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Jacquelyne S

7/10/2025
Cruel & inhumane!!! Our family has been without air conditioning since June 27th. First American has given me five dates and failed promises to deliver parts and repair. The most recent date is July 23rd. That is a month without air conditioning in the middle of the SUMMER in the south!!!! It’s tipping over 90 degrees here daily!! First American offered a measly $150 in compensation. My pleas for an alternate resolution mean nothing to them!!! Not to mention I’ve told them I have a family & three pets! They could care less!!!! They’ve proven it through their actions.


jadaraeconnally21

7/3/2025
claim 314637548-Do NOT trust First American Home Warranty with your HVAC system. My experience has been nothing short of deceptive, frustrating, and financially damaging. We’ve had this policy for years and assumed we were protected. When our A/C system failed, First American offered a lowball cash settlement of just $1,673.75—and based it on a 3-ton system, even though our home has a 5-ton unit (confirmed by Carrier and multiple contractors). I provided all documentation proving this, yet they continued to use incorrect specs to justify their inadequate payout. Even worse, this is not a new issue. In 2022, their own contractor recommended a full system replacement, but First... Read More


thnguyen999

5/23/2025
In February, I opened a service ticket regarding a clogged pipe at my home (Service Request #314433484). On February 28, a technician visited but informed me that he would need to either open a wall or access the roof to run a snake. Unfortunately, he did not have the necessary equipment and left without resolving the issue or scheduling a follow-up. A second appointment was scheduled for March 13, but the technician never arrived or contacted me. On March 15, a third technician came but left after only 15 minutes, stating he could not proceed. No alternative solutions were offered, and I was simply told the issue could not be addressed. Despite these unresolved visits, my service... Read More


susankolim

3/31/2025
They ask Drainco Plumbing Inc to come to my apartment to check my garbage disposal since the water came back up when the garbage disposal was used. Drainco Plumber said this is not the local issue, this is the issue that came from other apartments unit. So I reported to the building manager and the manager organized with other units to clean the shared plumbing. When the other plumber came to the apartment, they found out that actually the P-trap under my sink is dirty, so this is the local issue, not shared plumbing issue. Therefore, the manager said I should pay for their plumber to clean the P-trap. I called the First American HW and asked if I can get reimbursement, they said no since... Read More


ricks92510

12/4/2024
First American Home Warranty is basically a SCAM for the following reasons: 1. They dispatch INCOMPETENT, UNLICENSED, UNINSURED AND UNBONDED (No Workers Compensation) contractors and subcontractors for their repairs. Those contractors often don't fix things correctly, or cause further damage to appliances and fixtures. Or, they make up stories so that FA will deny your claim. 2. They delay repairs for as long as possible until you give up and handle the repair at your own cost. They make it difficult to get critical appliances fixed within a timely manner. 3. Their employees/representatives lie and their only goal is to deflect any/all responsibility for First American 4. They... Read More


larryrutkowski

11/18/2024
Trade Item Plumbing Property Address 2402 Alto Cerro Cir Claim Number 314000333 In September 2024, Our Main Toilet = OVE Smart Toilet (purchased from Costco in 2020) - Stopped Working and would NOT Flush. Per FAHW; This unit was covered under our Contract! (claim # 314000333). You sent a low priced plumber, who said he doesn't repair smart toilets. As such, First American HS said "fix it yourself" and we authorize a $265 credit!! We contacted OVE, and we needed to order 2 separate parts: A new Cellinoid (receipt below) - for Canadian $ 131.300 = $ 153.26 US Dollars But, is did NOT fully fix and still no Flush. Therefore, OVE sold us the... Read More


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Arthur A

11/14/2024
I submitted a claim to First American Home Warranty on a Monday for my garage door malfunction. The mechanical function capacity restricted the ability to open/close the garage door. With our car inside, this was an issue getting to work and such. FAHW agreed to have a contractor contact me within 24-48 hours. This was not done, as no contractor contacted me. After 48 hours and numerous calls to FAHW, and no contractor contact I had to seek a repair provider to address the issue. FAHW told me a service provider would be available on the Friday and I would get a call to confirm. That never materialized, no contractor called. I had to find a readily available contractor, and requested FAHW... Read More


majorjkelly

9/26/2024
Air conditioner inoperative. It is 90 degrees in house. Waiting for repair or replacement for a week now. Have called them over 20 times with NO RESOLUTION. have been bounced from representative to representative most of whom can barely speak English. Each representative had a different story. The company they contacted to service this took 3 days to show up and doesn’t return calls. In meantime I consulted another a/c company for a second opinion and found that the compressor that Complete Air Mechanical of Central Florida insists can be replaced or repaired CANNOT be repaired or replaced that parts NO LONGER EXIST. Oh and by the way this claim SUPPOSEDLY has an emergency tag on it.... Read More


gregwesley55

9/16/2024
I have been with first American home warranty for three years. I initiated a claim. on 9/15/24 Told them that they left side cable on the garage door had broken. and that my garage door was at about a 22 degree angle and about a third of the way open They opened the claim and had a contractor get in touch with me the .next day and told me that they would not be able to come out to repair the garage door until Friday 9/20/24. I called first American home warranty back and told them that this was totally unacceptable for me to have to wait until Friday. because my garage door was in the open position and this was leaving my house totally unsecured. They told me that they would get back with... Read More


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TomK

9/9/2024
Awful service. Been without AC for ALL of July and August. No help from “customer service” and no resolution in sight. Was just told by a customer service rep “I cannot help you, and I do not know why. Maybe you should call back tomorrow morning.”


robertcloe62

9/4/2024
I've had First American Home warranty to cover my appliances breakdowns and it came time to use it. I submitted a claim for my washer that was leaking water. The tech came out but I didn't get a response after a few days so I called in to find the claim was denied because they don't cover a soap dispenser! Now how does a $ 20 soap dispenser affect a leaking washer? I went back and forth with them and now I'm out of a washer going on 2 weeks. I have kiddos in sports so I needed a washer. This company didnt honor their warranty and i canceled their product and bought a new washer. STAY AWAY FROM THIS COMPANY!! THEY WILL TAKE YOUR MONEY AND DENY YOUR CLAIM!!


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Vikram T

8/23/2024
I wish I could give a negative star. The service has been pathetic.. Its been 2 months since the service request for repairing a dishwasher has been put in. They have hired an incompetent contractor who has visited 5 times( half of the time with wrong parts) and has finally admitted that machine can not be repaired. First American has done nothing till now to resolve the issue and is still giving standard excuses for not able to do anything!!!! This is absolutely appalling and I would recommend everyone to stay away from these crooks.


selim.yalvac

7/31/2024
First American Home Warranty, like their many competitors, is a scam company. These home warranties are legally mandated to be purchased by all the home sellers for the new home buyers. This is another indication that our legislators work for these companies. I sold a home in Houston and was forced to buy one for the new owner. Then, I bought a home in California and the seller had to buy one for me. I knew the reputation of these companies but we had no choice. Couple of months after I moved in to my CA home, I realized that my upper oven was not cooking/baking evenly. Proof was in the pastries or pies that I baked in the upper oven came out with the back side baked while the front... Read More


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Mikeya K

7/23/2024
I was introduced to FAHW when I purchased my first home, I continued the service because I thought it was beneficial to help save if something breaks at my home (I’m not handy at all). Up until now I have been ok with the service except when it came to my HVAC system. I have complained about the HVAC at least two to three times before however because I did not know any better when contractors came and said it was fine I took their word. During those times I did not know I could call back in two weeks if the issue was not resolved. Fast forward to May 21, 2024 summer came a little early and we started to need the AC. I called because the house was not cooling down. A contractor (master... Read More


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liz h

7/9/2024
1.6 rating on BBB. lie to deny the claims - Rundown on my claim today: I pay $90 per month. Pool Salt Cell died, entered request so that I can have it replaced (which is why I have your warranty!!) Pool company comes out, confirms its non functioning and needs to be replaced. Suggests when it is replaced to run at 100% (never had to before - that's merely pool techs preference). The end. Until your rep writes that claim is denied because I set it to 60% instead of 100% - Let me ask you: If your AC is set to 78 degrees instead of 76 degrees and it breaks, would that be because you had it set to 78 ? does that make any sense at all??? & that I use harsh dangerous chemicals but... Read More


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Tony G

6/17/2024
You take our money then deny our claims I have reported you to the BBB.


robyncart75

6/12/2024
First American is not honoring their own warranty contract to repair/replace my house AC that broke a month ago on 5/11. They sent an incompetent contractor to my house who did not completely diagnose the issue. Then this contractor called and tried to sell me a replacement AC, telling me the warranty company would only pay a small percentage portion of the replacement costs and not anything more. Since then I have paid out of pocket for 3 additional HVAC companies to diagnose the issue. I have provided First American with this information in an attempt to get them to understand their contractor did an incomplete job and was dishonest with me. I have been told many times by First American... Read More


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Rosa

6/8/2024
This has been the worst experience. Unable to get an answer as to why they are not having the company they assigned to fix a built in oven/stove and microwave. We were told it was fixable and needed parts. The stove when you turn burner on all burners get hot. When you call to speak to someone you can not understand them and they are flippant. Waited 17 minutes to speak to a supervisor or someone who was understandable. We have been waiting for an answer/parts since May 24th. Oh and the counter gets hot when you use the oven/ stove. Do not use this company. What’s even better our contract expired 3 days ago and a salesperson named Gina wanted to renew the contract at almost double... Read More


avaaurora.eventplanning.decor

5/31/2024
Please do yourself a favor and look somewhere else. There was a leak in our ceiling which I reported to FA. Their contractor cut a hole in our ceiling without reinforcing it, which FA was supposed to repair. We made several attempts for the repairs. We were told that someone would be sent to fix the damage. They never send anyone. We got the repairs fixed and sent proof of payments. We have been calling for months now to get reimbursement for the damages. The person assigned to the case has refused to respond to both calls and emails. We have gotten no assistance and FA is refusing to provide any further assistance or information. We have been dealing with this issue since 10/2023. Look... Read More


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Ayana C

5/13/2024
I am a new homeowner and I love First American. Yes, every company has its issues and bumps along the road, so they appreciate the customer's and the technicians' feedback to work through these issues. The first year in my home, my HVAC went out and needed to be replaced. This warranty company helped me from being scammed by one of their vendors. I submitted a claim for a possible leak on the roof. The estimate was questionable, and the tech attempted to deduct a fee out of the allowable cash-out. The HVAC was programmed incorrectly and we were without heat for a few weeks and had to get portable heaters, they reimbursed me for the portable heaters. The home warranty is WORTH IT! The... Read More