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First American Home Warranty Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
566 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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566 Customer Comments & Reviews

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Roger G
7/24/2017
No stars given. This company is like any other insurance co. They find ways (loop holes) to not pay a claim. For instance, I had the hot water heater leaking, and that's what I called in. The assigned plumber came out and said "Yes it's leaking". He also noted that my vent for the HWH was 4". According to NV state code that size duct requires a 50K to 65K BTU HWH. The one installed was only 40K. When the experts at FAHW reviewed the report from plumber, they determined the reason my hot water was insufficient was because I only had a 40K HWH. Like I stated earlier, I called in a leaking HWH, not an insufficient one. They denied my claim because they determined I needed an... Read More


T
Tonya T
7/23/2017
I started with this company December of 2016.. The person who provided the details about the warranty I chose was in the US. Was congenial and helpful. I chose the most comprehensive plan. I called for two services in 2016, a furnace repair (disrespectful and unprofessional company), the second service was a light repair (once again an ordeal with the contractor company, electrician was very nice.) I stayed with the company in 2017. I had a simple toilet repair in February 2017. The first plumber was lazy and informed me I did not have a problem. After multiple calls to First American's customer service located in several Central American countries, they agreed to send a plumber... Read More


J
John D
7/21/2017
With been with FAHW since 2006. We had good luck with relatively prompt repairs or replacement on a/c units, water heaters and clothes dryers. In January 2017 we had the gas furnace upstairs replaced by an FAHW contractor. As part of that replacement there were additional costs totaling $1275. It seemed to work ok until we needed a/c in April. When we started seeing water from the overflow pan I went upstairs to find the transition duct they had built had completely fallen apart. In addition, the evaporator unit for the a/c that they had put on stands (according to them it was out of code) was so unlevel that it wouldn't drain correctly. I called back to FAHW, but they said I had to... Read More


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Angie
7/21/2017
This company is horrible. I have been waiting for over 3 months for my stovetop to be repaired. When my elderly and ill mother's toilet backed up on a Friday afternoon, their solution was to send somebody out the following week...I explained it was the only toilet she could use in the home as it had been modified for her and did they really expect her to wait 3-5 days to go to the bathroom...and yes, they did nothing about it. I had to call my own plumber out and then fight for reimbursement. They have scheduled vendors 3 times that could not work on my appliances (didn't have the diagnostic tools and/or were too far away to make the service call). Want to talk to someone? Good... Read More


C
Calvin C
7/21/2017
run from this company. it took about 7 weeks to get my microwave fixed. first americansent someone from 100 moles away to fix it. a comedy of errors to fix. now I have a leaking toilet they fefuses to fix, previous problem they say, I guess they thing have been cleaning up toilet water for the last 10 months, what a joke


Jessica W
7/20/2017
There are multiple issues with this company: customer service, service, coverage, and communication just to name a few. We requested a contractor through them to have a contractor come out and look at our AC unit (over a month ago). The first contractor did not accept the claim, the second contractor who did accept it, came out, but could not find the problem so they just put refrigerant in. Since this did not work, I contacted the First American Home Warranty again to get this issue resolved, but every time we tried to call up there, they would hang up mid conversation and did not bother to call us back! We put in a reoccurring request, but was having issues getting a contractor to come... Read More


P
Patrick
7/18/2017
We have been a loyal customer for many years and have filed only a few claims. Recently our AC airhandler shorted out and needed to be replaced. Our claim was denied because we were told it was not normal wear-and-tear. It took over a week for a technician to come to the house, and he was 2 1/2 hours late. He was not very friendly and looked about the same. The first thing out of his mouth when he came to the door was that he needed to collect the deductible. He didn't know why he was here. His workorder only said No AC. He evaluated the damage and left without an estimate or determining a cause. We had to call every day for a week to try to the status of our claim because the technician... Read More


L
lupe
7/18/2017
We have had them for 5 years and this will be the last. Increase after increase of premium AND service call and last year they removed our fridge from the plan (stupid us we didn't read the back ..... this year another increase and the call premium went up..... not again!!


Kay M
7/15/2017
100 degrees outside and air conditioner went out. They sent someone out next day and the "fix" only lasted 12 hours. Called back on Saturday as went out again and said they couldn't get anyone out till at least Monday. Which meant they would get a hold of us and maybe be out by Tuesday. Should have someone service on weekend.


B
Bruce E
7/15/2017
Do not use this company. It is nothing more than a scam and a fraud! My septic light went on and I contacted them and they told me if it is an ejector system it is not covered but if it is a grinder system it is covered. I then receive a call later that day from the same young lady stating that her manager wanted me to know that it may not be covered, even though we established that a grinder pump is covered. 4 days later their tech shows up, determines that it is the float switch, collects $75 and says 'we'll be in touch'. After 3 days I call the tech, Bay Mechanical, and they said I should have received a call from First American and that the repair would not be covered by the warranty... Read More



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