First American Home Warranty Review


Rating: 8.5 / 10 (Excellent)
313 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, and real estate agents. The company is BBB-accredited, with a B rating, and a four-star TrustPilot score.

How is First American rated?

Breakdown

10/10
Coverage
8/10
Reputation
8/10
Contract & Price
8/10
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.

Coverage

Key Facts

Plan Types
Appliances
Combo Plan
Benefit Limit Type
Per Item
Unlimited

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

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 $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.

Sample Contract

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

Claims & Service

Claims

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.

First American Reputation

Company Details

Year Founded
1984
NHSCA Membership
Number of Customers
450,000
Number of Employees
351
TrustPilot Rating
7.0 out of 10
BBB Rating
B
BBB Rating
6
BBB Neutral Reviews
4
BBB Negative Reviews
277

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
1984

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313 Customer Comments & Reviews

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Sam
San Diego, California
3/11/2018
This is by far the worst home warranty company and I will never recommend them to anyone looking for coverage. We requested an electrician to come out and look at why our power was unstable. When the electrician arrived he did not even look at the issue and told my husband (who is now deployed) he would not charge him the service fee and that he would come back out another time to see what is going on. Of course we did not hear anything back and this was the end of November 2017 and our service was up in December 2017. But then in January 2018 we started receiving service bills for service we clearly did not receive. This is the worst service i have ever experienced and all they want is to... Read More


Peggysue G
San Juan Capistrano, California
3/6/2018
My water heater broke Thursday night - I called first thing in the morning and then was told someone will get back to me Yes they sent a Plummer to come out right away but that was to just get a photo of the make and model of my water heater. No call back . The Plummer says it will take about 4 to 5 days but since it’s friday and they don’t work weekends maybe 7 days . I thought this was unexceptable ! I have a child with disabilities and not having any hot water for 4-7 days is not good . So I talked to a supervisor and they said they would do a buy out . Which meant I pay for a Plummer to come in and they pay me back for the tank and labor . So I put 1500 on my CC and then Monday... Read More


Lynne S
Avondale, Arizona
3/2/2018
i called to get a replacement for my garbage disposal. It had a slow leak apparently, but the other night I had water all over my kitchen floor. I saw that there was some mold, so I called my homeowner's insurance. They came out right away and confirmed I had black mold under the cabinet floor as well. They had to take out all my plumbing from under the sink as well as the cabinets. When I called 1st American, I was told they wouldn't honor the contract because the disposal was removed. I still have the defective disposal. Was I supposed to wait ??? days for 1st American to come out and take it out and replace it? It was a health issue for goodness sake! Last year when my water heater... Read More


J
John
Katy, Texas
2/20/2018
I filed a claim for which I paid the deductible. Technician came to my house tried to fix the issue and was unable to. After that I tried to contact them for a period of 3 months and not getting any replies back. 5 months passed since then and nothing was done. Finally i contact the home warranty itself and they told me that I only have 30 days and told me that I have to file new claim again. This is unacceptable. I paid money for nothing. Worst service ever.


Tamie B
Grove City, Ohio
2/17/2018
This company can't service issues within a timely manner. If you have something break and it is ok that it takes a week to get a service person out to repair it then this company is for you. I had two claims and they wanted me to find a repair company and pay for it and they would reimburse me. it took 5 weeks to get reimbursement on the first claim. I didn't fall for that on the second claim...sump pump needs repaired their contractor can come out in 4 days.....really I will be looking for a new home warranty company after this issue gets resolved.


Jodi C
Canton, Georgia
2/15/2018
What the hay!!!! How could this company possibly be 4th in the nation. It sends out constant scoundrels to price gouge homeowners into having to pay outside the policy. I have a client waiting (already fixed by an outside company) drain in the kitchen. They sent out a company and the tech refused to unblock and accessible line right in the unfinished garage. Said he had to go on the roof and clear it and it wasn't covered but, today's special price is only $380.00 and he told my client that he had several other jobs and that he wouldn't get paid a dime if, this wasn't resolved. The rep, I personally talked to said he was going to send out someone to run a high powered pressure system to... Read More


Danny M
Chattanooga, Tennessee
2/13/2018
I filed a claim as to where they took 2 payments out of my bank account. I have yet to be reimbursed, for the amount, nor for the overdraft that it cost by taking that extra payment. I am filing a complaint with the Consumer Affairs Division.


K
Ken K
Trabuco Canyon, California
2/12/2018
No home warranty company could be worse than First American Home Warranty - I've owned a policy for two years, and in that time they have screwed up three jobs that required repairs. My pool heater needed repair, but after waiting three months and going through two botched repairs with a company FAHW sent that kept claiming they needed another part, I finally called a local pool repair company myself and paid $550 for the repair. No reimbursement from FAHW. Nine months later, a shower valve went down, and it took two months for them to get a repairman here. He installed a new valve - upside down, and to this day, steaming hot water comes from the cold end of the faucet handle, cold water... Read More


Theresa P
Portland, Texas
2/10/2018
Have been trying to get a resolution on a broken microwave for 2 weeks still no resolution! Have been on the phone at least 6 times today hung up on told a manager would call you name it and still nothing. New microwave delivered and sitting in my garage because they claim they can’t find anyone to install. Horrible Customer Service.Theresa Phillips


D
DAMIEN
Winchester, Virginia
2/8/2018
HORRIBLE. TOOK THREE MONTHS FOR THEM TO FIX MY OVEN. THE LADY THAT WAS MY CLAIM SPECLIST (MELINDA SALAZAR) CUSSED AT ME ON THE PHONE AND IN EMAILS. SHE SET UP APPOINMENTS WITH OUT ME KNOWING AND WOULD GIVE ME NOTICE 20 MINUTES BEFORE THE WORKERS WOULD COME TO MY HOUSE. THIS COMPANY SHOULD BE CLOSED DOWN AND NO ONE SHOULD USE IT. HORRIBLE.



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