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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

Loading Reviews ...
J
Jdosanjh77
6/17/2019
If I could leave a minus rating I would. I am appalled at the incorrect information this company has given me. I spent 3 days trying to get someone out for an emerge cycle water leak. They told me someone would be out with 24 hrs.. 3 days later they have not been able to assign anyone. I have spent the whole weekend on the phone with them as throughout this time, I had been told someone would come out, and then no appointment was made. I was hung up on ,or the call dropped. 3 times. But noone called me back.. and when I questioned this, I was told they had too many people calling and could not call me back! I was told I had a contractor assigned to me on Sunday and would call me an hr... Read More


ron.sliter
6/15/2019
Beware of this company. I made a big mistake by taking out a policy with this company. My air conditioner went out in July and I live in Las Vegas. So you guessed it the temperature was well over 100 degrees I am 75 and have several animals. So, getting to air conditioning fixed was imperative. I turned in a claim the night I found the air conditioning wasn't working. I won't bore you with the whole story but it took almost 2 weeks to get it fixed and it wasn't by anyone First American tried to stick me with. After receiving empty promises about getting it repaired I called a company that not only returned my call but got the air conditioner fixed the same day. Come to find out... Read More


emelzee
6/15/2019
Over 2 weeks with out air conditioning in Dallas Texas with consecutive days in the mid 90s. My elderly parents should have to live like that... stay away from this company


L
Larry N
6/13/2019
I recently had an irritating experience with First American Home Warranty. I filed a claim for no A/C cooling on the 14th of May. Two weeks later, I had no idea and couldn't find out, when my A/C would be repaired. After a strongly worded letter to the President of FAHW, I finally got someone who would call me back. We have been experiencing record breaking heat waves during this period. I was running four fans only to circulate hot air. A representative of FAHW offered to reimburse me for a window unit ( $100. ). I finally got my A/C repaired after three weeks of suffering, June 3, 2019. It only cost me $550. out of pocket to file this claim. FAHW's approach to a claim is like... Read More


V
Vicky J
6/12/2019
My experience with your company is the worst I have ever had. The plumbing contractor that you sent was dishonest and rude. He did not want to fix the toilet leak, and then finally said "I will put this in jus to make you happy". When it continued to leak I had to have another plumber come and fix. Then he gave an estimate for the "EXTRA CHARGE" for replacing the water pressure valve that was "MORE" than two other estimates for the full price without the warranty coverage. This is a sham. And when the supervisor told me we would not be charged, we have continued to receive a bill for this contractors "service charge". I am an elderly woman and I felt he abused my situation and tried... Read More


J
Jim H
6/11/2019
Garage door spring broke. Representive Franklin three times over phone assured me broken spring was covered. Repair tech arrived and was told spring not covered. Called company and they had written record that Franklin told me that it was covered. After spending about 45 min run around company simply said sorry we made mistake and we cannot cover repair. Elderly wife had Dr apt and had to get car out of garage so had to get repair done and repair company fixed door at $347. Even though they agreed they had made mistake they simply blew me off with sorrywe made a mistake. I would not recommend them for anyone. They should honor their answer they gave me. Companies like this should not... Read More


L
lynnreilly44
6/3/2019
This company was recommended to me by my parents who live in Ohio. They were very happy with it. I live in West Michigan, and I highly recommend NOT signing up for this service. They do NOT have relationships with contractors in the area, which wouldn't matter if they would just admit that up front and let me proceed on my own with the repairs. I have to wait 2-3 days for them to tell me that they don't, and that I will have to find someone myself, submit that contractor's estimate for approval, then have the work done, pay the contractor and then submit the claim for reimbursement. It took two weeks to get a hot water heater repaired, and my electrical panel is out now and I am just... Read More


Susan C
5/31/2019
First American Home Warranty has refused to replace a Rheem tankless water heater in my house because it is under warranty. However, the warranty can't be accessed because the water heater was purchased 11 years ago by a previous owner that I do not know and have no way to contact. Their own technician contacted Rheem and was told it could not be exchanged without a receipt which doesn't exist. Obviously, First American knows that I can't take advantage of the warranty. It is another way for them to get out of paying for things that the policy says it will cover. So, basically you better get the receipts of every appliance in your house when you purchase it or else First American will use... Read More


J
Jomarie M
5/28/2019
You sent a tech to my house to fix a popping noise in my garage, he came to my house & cut a bunch of wires saying I didn't need this or that & then left. So my A/C unit, flood lights, & outlets in one of my bedrooms stopped working so I called you back & argued with you for two months on how this was a existing claim thanks to the tech you sent out because everything else worked just fine before that. So I decided to cancel your services that I paid in advance for a year of $700. I still needed the problem you created fixed so your company said the only way to do that is to make a new claim, which I finally did after arguing for 2 months, being put on hold for 45 minutes & hung up on.... Read More


Jenny C
5/25/2019
We have been waiting to get your repairman out to fix our ac and we can’t get an answer. It has been over a month and we live in Georgia. This is absolutely unacceptable and will be taking this to small claims court. Never will I purchase a home with a warranty. Total scam



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