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?


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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313 Customer Comments & Reviews

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Raymond B
OMG ! Look at these awful reviews. Here I though maybe I was one of the few with a bad experience with First American. This company should be investigated by the FBI. Not only have the defrauded me over my heater, they are ripping off everyone. How can they stay in business? If you are thinking about buying a home warranty, just read these comments. I certainly wished I had know this before I got ripped off, denied to repair my heater, and cannot get a supervisor to return my call. Just a repeat of what has been written time and time again by other victims.

Hal A
Azusa, California
First American is not reliable, they use cheap/slow vendors, they have not returned my repeated calls. I have a broken refrigerator for 3 weeks, they have confirmed it is covered, and yet they have not informed me when it will be fixed. I have used them for 20 years on various properties, and the service is usually poor and they avoid paying or responding whenever possible to keep their costs down.

Virginia Beach, Virginia
A BIG SHAM. Heat has been out since 12/21/17. Have spoken with 9 DIFFERENT people, including 2 SUPERVISORS. An absolute different story every single time. Each promised to call us back, to date, have received 0 call backs. Lies after lies. Today is 1/8/18. Snowed 10 inches, temp in single digits. These people don't care!

Cassandra P
Knoxville, Tennessee
I submitted a claim for my heat to be repaired on 11/25/17. It still is not fixed. Seriously. A contractor came out within 3 days of the claim to diagnose the problem, but once the issue went back to FAHW, it has been nothing but a run around. I have to call for updates every time because they give no information. Apparently, the part is on back order, but they said they could get it quicker than the contractor. Like many of you, I have been given a special claim representative, but I can never reach her, so I end up talking to a random person every time who has no clue what is going on. I finally asked to speak to a supervisor, and they transferred me to "Rick." I hate to say it,... Read More

Newport News, Virginia
Worst company I have had them for 3 years and it always take 2 weeks orm longer to take care of job. the agents do not all back like they say and they will not let you talk to anyone over their head. Do not go with this company .

Austin, Texas
Service call went up to $75 for the new contract year. They use low quality sub contractors. I have begun looking at YELP reviews once a contractor has been assign me to and they are not high quality companies. I had a situation which was unliveable and even though they escalated the claim twice, it has taken 2 weeks to get a contractor to my house.

Arlington, Texas
0 stars for me. Has had for 10 years 1st time using. My Hot water heater burst this week and after all is said and done I have to come out my pocket of 700.00. I asked them for a total of what they are paying and they could not or would not tell me. I'm so disappointed in this company. SPOKE WITH 3 DIFFERENT PEOPLE AND GOT 3 DIFFERENT ANSWERS. NEED TO CHANGE THEIR NAME TO RIPP OFF AMERICANS WARRANTY. I AM CANCELLING, I WISH THEIR WAS A WAY TO RECOUP SOME OF MY MONEY. DEBORAH M ARLINGTON TEXAS

Tony C
West Columbia, South Carolina
Worse warranty company ever, Not only does this company have a non-traceable CEO and Corporate officers there is nothing American about it. The service reps are in the Dominican REP ever single person you talk to has an accent. They could care less about your issues but they are experts in the Good ole run around. They website states they have a fleet of pre-screened contractors I would like to know how they screen them as all I have had come to my house are sloppy, toothless, trailer trash people who as far as I am concerned are buying second hand crap and pocketing the rest under the pretense that it is new. I am not one to be messed with and I have my attorney looking into this and if... Read More

Zelalem W
Atlanta, Georgia
I say stay away from this company as they are just there to take your money, that is it! I had issue with my garage door not opening so I arranged for repair person to come out and fix the issue. I paid the $75 per contract to First American Home Warranty online and the repair person came by the house to look at my issue and decided that it's a maintenance issue....I just wanted to get my garage door to be fixed but that did not happen. I am very disappointed with the answer and the service. Cancelled my contract about about a month ago and STILL have not gotten my prorated payment back...

Steven J
Huntington, West Virginia
You have failed to repair my furnace after a week saying you are looking for a part. We are in the middle of an attic blast and temperatures are from a high of 20 to nighttime lows of 0. Please help. Steven Davis Huntington West Virginia

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