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First American Home Warranties Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
588 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 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

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588 Customer Comments & Reviews

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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


Tariq N
5/22/2019
My A/C was not cooling down. I called First America. They sent a technician from Master Tech and he checked and said it is leaking the GAS/Freon. And said the Unit must be cleaned, And gave a me quote of 10K for a new unit! He said he will call first America and will ask them what to do. He left and I see the whole 2nd floor is flooded with water. I did not have any water leak. Otherwise I would complaint for the water leak. Don't buy First American Home Warranty. They try to sell a new unit rather fix it. You will be loser!!!!!!


J
Jamie
5/14/2019
We had a terrible experience with First American Home Warranty. We initiated a service request on May 16, 2018 because our AC was not working. It was incredibly hot in our house as we live in Atlanta so we needed it fixed promptly. The issue was that water was collecting in our emergency pan and then shutting off the AC to prevent flooding, but we didn't know the actual source of the problem. The first contractor assigned to us never responded to our calls, and he didn't respond to First American's calls either. We are not sure to this day if this contractor exists. We called First American again and asked if we could hire our own local person and get reimbursed because we live in Atlanta... Read More


Michelle S
5/13/2019
Filed May 13, 2019 10:00 am EST claim... air conditioner was not working...assigned to Butlers HVAC LLC in Whiteville, NC home located in Fayetteville, NC after asking that I be classed an "emergency" …..after calling all day went on line and found cell phone number.....was informed they did not get work order (612172283) under 7:00 pm EST and they received 70 work orders, were overwelled and First American Home Warranty was at fault. …...man at Butler's then resorted to name calling of my "ignorance" and they he would not come....one reason that he was too far away. Then call FAHW where I talked to Evone Martineiz in CA she said she could not and would not reassign my claim.....she... Read More


chenr912
5/1/2019
Worst company ……my toilet breaken and they took it away but not give me new one ……really really bad


Christine C
4/15/2019
I have spent 2.5 weeks out of the past month without AC. Last month the company originally assigned did not show three times even after the president of that company told First American they'd be out the next day. I finally demanded they send a different company. The second company showed and got the AC working again. Two weeks later, the AC stopped working again. The company had me get a new work order and came out. The refrigerant was low again (it was low two weeks earlier when he'd come out) and the motor for the outside unit stopped working. He told me he'd have First American order a new motor and come out and replace it when it came in. Two days later I get a text and email... Read More



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