First American Home Warranty Review

Rating: 8.5 / 10 (Excellent)
300 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?


Contract & Price
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.


Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item

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


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


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
NHSCA Membership
Number of Customers
Number of Employees
TrustPilot Rating
7.0 out of 10
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews

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

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300 Customer Comments & Reviews

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Katherine M
Emeryville, California
My husband and I are first-time homebuyers and the whole process was a bit overwhelming (not to mention doing it all with a 1-year-old boy). The oven in our home was outdated but that wasn’t what was important in our purchase. We wanted a place with a backyard that we could call home. When the oven door spontaneously broke and busted, we didn’t think anything of it…just part of being home owners, we thought. But the previous owner came to visit us and suggested we contact our home warranty. Frankly, we had forgotten we had a warranty, and filled with hope, we called First American. They were very nice and immediately put our claim through. However, it has been an unnecessary nightmare... Read More

El Cajon, California
why is this so-called company in business? it is clear they are experts in collecting premiums and train their inept contractors to deny claims!!

Jesica H
Cypress, Texas
Awful company! I have had them for the last nine years and suddenly in the last 18 months I have had two claims and their contractors were terrible. I have currently been without a working furnace for 20 days since the first contractor came on the 1/18 and told me he would only replace the covered part if I replaced a gas line (that was replaced in the last 18mos) that wasn't covered for 200.00. I asked him to leave my home and called First American back and they sent a new contractor out to my home which informed me the first contractor had taken the ignition bracket out of my furnace and it was nowhere to be found in my attic. Without this part my furnace can't be repaired. FAHBP... Read More

Alex L
Carlsbad, California
On hold with First American Home warranty for the last 30 minutes, before this spoke with three very INCOMPETENT representatives at this company who are trying to explain to me that when a plumber comes to my house to fix a leaking pipe, the plumber is not responsible for access to the pipe as it's not covered by their "warranty", according to these idiots, apparently, I'm responsible for opening the drywall for their plumber and I'm responsible for fixing the drywall. Unheard of!!! And this is the 2nd service call for the same problem, the 1st "plumber" came in, spent about 10 seconds looking at the shower, completely misdiagnosed the problem, told me it's not covered by the home warranty... Read More

Holly Springs, North Carolina
I have had this warranty for 3 years now. When I first purchased it I thought overall they did a fairly decent job responding to the years have gone by they have progreeively gotten worse. Hold times are in excess of 1 hour to try to speak with someone is nearly impossible.they will not allow the contractor who comes out o fix the problem. Instead they tie his hands and make him diagnose the problem and submit a report to them. Then they take 2-3 business days to decide if they are going to cover the repair it. Took me 3 weeks to get my washing machine repaired. Do yourself a favor and don't deal with these clowns. I am canceling just as soon as my contract expires and signing... Read More

John V
Kelseyville, California
This home warranty company overcharged and would not refund the amount. Also, this home warranty company's customer services is 100% terrible. I do not recommend this home warranty company.

Doug P
Frankfort, Kentucky
First American Home Buyers Protection borderlines on a criminal business. Their business practices related to filing claims and customer service is deplorable. I am of the opinion they make the process so negative for the consumer, so the consumer will give up on going through the warranty company and seek other means for getting issues resolved in order to decrease the amount of money paid out for claims. The hot water heater stopped function early one morning. I immediately called the home warranty company to begin the claims process. I waited all day and checked the status online and determined a contractor had not been assigned. I called 2 more times that evening to request a... Read More

Okley P
Kemah, Texas
Hard to get ahold of. You have to go thru torture listening to this person ask you questions that take forever, then they tell you "Oh were sorry we are closed!!!" Call back tomorrow!!! Have had an issue with my pool for 6 weeks unresolved due to stupid people at First American Home Warranty. Horrible service. I have 3 houses with them and looking to change asap!!!! Don't use this company.

Eric S
Los Angeles, California
The pro, every time I needed a repair - it got fixed or replaced. My biggies issue with them is that I had no choice in provider, it could take weeks for someone to come out, every provider that they contracted with had terrible ratings and customer service and didn't seem to care since I had no choice but to use them and any time I would call First American they would say there's nothing they can do since it's already been assigned.

Michael D
Gainesville, Texas
August 10th still no AC and hot as the place the devil lives! About a month ago my AC went out. I contacted First American and they found a contractor to administer the repairs. The unit need a new compressor. About 3 days after the visit from the contractor they got the okay from First American to start the work and the contractor "claimed" they ordered the part, it would be here in three days. Three days came and went no calls or updates from EITHER party. My wife called on day number 4 and the contractor told her that the part had not been shipped yet. The secretary blamed the parts vendor and said she was having it shipped out right away. I seriously doubted the problem was with the... Read More

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