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First American Home Warranty Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
564 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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564 Customer Comments & Reviews

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Bethann M
11/12/2018
We have a water leak under the kitchen sink. When I placed a claim, the contractor who contacted me wasn't able to come out for almost 2 weeks. When I called First American to complain and try to expedite, the got another contractor, but when he called back the day he was scheduled to come out (after we arranged the afternoon off work, he informed me that he was an appliance repairman, not a plumber. So we had to cancel him and call the warranty company again. I had spoken multiple times with multiple people at the warranty company and they seem at best indifferent and untrained. I've had much better service with other companies. Avoid this one.


Danielle M
11/7/2018
Impossible to work with. Every time I call in they are rude and when issues arise there is not a manager to assist. Like when an associate told me my account was canceled even though it was still open.


A
Angelica E
10/24/2018
Stay away from this company as much as you can! one month without AC here in TEXAS horrible summer thanks to them, did they care? of course not I just paid $750 just to replaced the inside unit waiting to replace the outside unit, worst customer service ever!! and what about my water heater almost 2 weeks without hot water and now Monique is telling me that I have to pay $834 come one, for that I can go to Home Depot and get me a new. what a joke of company!!!


Patti P
10/23/2018
Had small water leak. Had some problems with the work but 1st American handled immediately.


Teresa L
10/21/2018
I’ve always had a great experience with First America Homebuyers. They replaced my toilet because the back had leaked into the tank for years.


R
Rick m
10/20/2018
The people I dealt with were friendly and helpful . I got reimbursed within the week


S
Steve O
10/19/2018
I had difficulties with the first contractor Sears. However the second contractor worked out great!


Carol R
10/19/2018
I've always had great response and assistance when I've needed service. I've been with them for almost 20 years.


B
bamyers2000
10/18/2018
The people I worked with were very nice and helpful. The contractor was here the next day, early in the morning. He was done installing new dishwasher quickly and cleaned up the mess before he left.


J
janwaegele
10/18/2018
The contractor was quick, same day service, very responsive and innovative, in that the garage door (which I had understood is covered under the home warranty policy - but is NOT covered - just the opener). The door itself had a panel that had deteriorated and was stopping smooth operation on rollup. Eventually, it would have split the door in two, necessitating a replacement of the entire door. The contractor brought with him an aluminum 16' x 4" approx. support piece which he attached to the interior of the door preventing further deterioration and resulted in regained smooth operation of the door. This innovation has resulted in our being able to keep the door operational and not... 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