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First American Home Warranty Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
563 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. The company is BBB-accredited, with a B+ rating, and a four-star TrustPilot score.

How is First American rated?

Breakdown

4.5/5
Transparency
4.0/5
Claims Processing
4.1/5
Coverage Options
4.0/5
Additional Benefits
3.5/5
Customer Experience

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 - 4.1 / 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 - 3.8 / 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

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

Reputation - 4 / 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

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563 Customer Comments & Reviews

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nycteriibidae
6/23/2020
Amazingly fraudulent. I made the mistake of going with this “company” and suffered the loss of money for no services. Do not follow my mistake STAY AWAY. This company has to be one of the most fraudulent and nearly criminally deceptive wastes to your money in the “home warranty business”. The happy customers are probably ones that have coverage but luckily never used their “warranty”. What will you get for your money. First you will get a paper envelope with some information on how you can pay $70 to make a claim. Great stuff. If you happen to call for warranty “service” you will pay a fee and they will dispatch someone to you house to look at your appliance, HVAC, range, fridge,... Read More


abegin
6/20/2020
Nothing but regret getting First American. I can not get them to call to follow up with me. Contractors no show and they close the service request. The contractors they partner with all have 1-2 stars on yelp. It’s madness! Run far away. I had Fidelity at our last house and loved them.


Dean P
6/18/2020
We purchased a house and purchased First American Home Warranty. I am elderly on heart medication and live in Las Vegas Nevada. Our A/C unit failed and was inspected by First American Warranty on April 5th. This company has been astonishingly careless and has ignored multiple requests to repair or replace the A/C unit. We were living in a house in which the outside temps topped 100 degrees and the inside temps were 88 degrees at night. It took them 5 weeks to replace a unit which any other AC company could replace the unit in one day. Furthermore the company expects us to pay $800 for installation costs on a covered item. We will be filing a claim against them in small claims court. I... Read More


A
Ashton
6/15/2020
I do not recommend First American Home Warranty due to their replacement policy. They are not responsible for matching brand, color or dimensions, which I find absolutely ridiculous. I needed a replacement built-in microwave sized at 1.5 cubic feet. They only offered to replace the unit of a different brand and different size (1.9 cubic feet). They will not cover the cost for cabinet alterations (nor did I want this), so because the replacement unit they offered was too large my only option is to decline the replacement and take a cash out. This means that the hassle of ordering a new microwave and hiring a company to remove the old one and install the new one is all on me. Seems like that... Read More


benavidezres1652
6/3/2020
I have found my dealings with First American Home service to be completely unsatisfactory. They have a maze of confusing methods to initial contact and follow-up. They have wait times of at least an hour, do not respond to messages and supervisor staff do not follow up or return calls or messages. The amount of time a customer spends on the phone is exhausting and unnecessary. They pretend to display care but their action display otherwise. It is impossible to talk to someone of authority. I had a claim placed with numerous delays. It took days of attempts and messages to have my claim processed. It has been a week now with no response from supervisory staff, no call back or followup.... Read More


N
Nisan
5/29/2020
We had a saga with our fridge for the last couple of months. We opened a claim with First American that send a technician that barley opened the fridge, said "it is a known issue with LG - you should call them", took his $75 and left. We called LG and they said that if we have home warranty, the home warranty company should send one of their licensed technician and we could get a new fridge! But this was after our contract was expired and First American said they can send another technician for free - if we renew of course. Our fridge is ding for the last couple of months, food was thrown many times. We brought another technician that said it is hopeless. So we now had to spent $1,600 +... Read More


docehorri
4/17/2020
AWFUL SERVICE!!! I called for a WATER LEAK under my washing machine. The recorder asks for the brand so I gave the brand name and they sent a contractor/technician who said there is a broken part that needs to be replaced. Ordered the part and arrived two days after. He came back (its now on its 5th day)and installed the part. And told me there is also a plumbing issue. (i found out later, that he is supposed to report that so a plumber can be sent). He left and i found out there's still WATER LEAK under my washing machine!? I am not in this trade so all i know, there's water leak underneath!! the customer service told me i have to file another claim because its a different contractor they... Read More


M
Marie S
4/16/2020
Live up to your motto. If you can't fix we replace it. Haha big lie


fakefakesr
4/11/2020
Overall the customer service of first american home warranty is not good. I see the following problems: First, it is very difficult to talk to a customer service representative to place a claim or deal with issues regarding a claim. You have to go through many touch tone buttons many of which return you to a previous option you had already chosen. It is very clear that they do not want to talk to you especially when it is related to a claim. Second, they seem to use the cheapest of the cheapest contractors. The bottom feeders of their particular line of work. Given my two recent bad experiences, I question the integrity and honesty of some of their contractors. I had recently two... Read More


B
Betsy O
3/17/2020
BEWARE they will TRICK YOU INTO PAYING $75.00 FOR A WORK ORDER IF YOU CALL TO CHECK COVERAGE. They tell you that your problem/equipment is NOT covered (NOTHING IS COVERED BY THE WAY)....BUT THEN SAY.... "WOULD YOU LIKE TO USE ONE OF OUR plumbers/electricians etc. for service?" They covered nothing, THEY TOLD US IT WASN'T COVERED.....we paid the plumber in full, and then we received a bill from FIRST AMERICAN HOME WARRANTY CHARGING US $75.00 FOR CALLING THE PLUMBER FOR A SERVICE CALL TO DIAGNOSE/DETERMINE IF THE PROBLEM WAS COVERED???!!! ABSOLUTE SCAM BETWEEN CONTRACTORS AND THIS WARRANTY PROGRAM TO COLLECT EXTRA FEES. WE'VE FIXED EVERYTHING OURSELVES, USED OUR OWN... Read More



Our Partner
  • $200, and the code is SPRING2024.
  • Protects home's appliances & systems
  • Request service 24/7, 365 days a year
  • Network of pre-screened contractors
  • Additional coverage & enhancements
  • If a covered item can’t be repaired, they replace it