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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Phoenix, Arizona
Very dissappointed with the service and choice of vendors. in less than 5 years have had our garage door fixed at least 4 times always by the same vendor, bad service, bad attitude, argumentative, always comes and we are forced to place a follow up claim because of unresolved repairs, no feedback or eta's. Trying to get a hold of an american customer service rep is almost impossible always getting "help" from foreign people that are hard to understand. ***Latest claim was placed THREE WEEKS AGO- STILL UNRESOLVED!!!!!

Steve V
San Carlos, California
I submitted a claim for my garage door cables and First American advised it was covered. Then when the technician arrived he contacted First American and they advised it was not covered. That day re-contacted First American, while the Technician was on site and they advised me not to pay the service fee, nothing more. The technician went ahead with the job and handed me a bill of $279 for the repairs. I re-contacted First American again and they now advised this job was not covered and had to pay the bill. I filed a claim with First American and they advised they would not honor my claim, even though they made an error, advising the job was covered. i contacted them and they... Read More

Virginia M
Conway, Arkansas
We have had problems with our air conditioning unit that we found out were not covered in the warranty. We paid the first service provider that First American sent out hundreds of dollars out of pocket to fix the problem. Two months later, the unit went out, and the second service provider said that the first one did not fix the problem. I am frustrated that the set line, an integral part of the unit, is not covered, and I will not waste time or money with any of their contractors who do not stand behind their work. We also had a call for a refrigerator repair. At first First American told us we had to make an appointment with Sears, and the first available appointment was THREE... Read More

Maryclaire E
Tacoma, Washington
Poor communication to customers. Although our contract date began on 9/6, we did not receive our contract in the mail until a few weeks later. During that time, we had an emergency plumbing repair that needed immediate attention. We went ahead and got it fixed, knowing we had the warranty. After talking to multiple representatives, they refused to cover the claim since it wasn't verified by one of their agents. If a customer doesn't have the contract, how are they supposed to know which actions they can/cannot take? Customer service representatives were rude and cut me off multiple times. Would never recommend. If I could give no stars I would.

Humble, Texas
Horrible company! Spent 3 weeks trying to get garage door repaired and when talking to rep and even online in writing they say that part would be covered but refused to tell contractor it is covered.

Thomas R
Pasadena, Texas
Terrible Home Warranty company. Useless and overpriced. Going back to OneGuard but they were bought out by American Home Shield.. So giving AHS a try..

Houston, Texas
Had to use the service 3 times in the first month after purchasing our home. Once to fix the A/C which seemed to work for about two weeks after until we hit colder weather. The one chance day we hit 80 in fall and it didn't feel like it was keeping up - we will see in the spring. Second, to repair the dishwasher which went without response for 5 days before getting a call from the contractor saying they don't work on my brand and told ME to call First American to tell them they don't do that work. Third call was for water heater gas control valve that went bad. 4 days later - mass confusion, no hot water, bumbling idiot of a plumber and 8 calls to First American with no end in sight.... Read More

Sacramento, California
First American Home Warranty, yet you never speak with anyone in America. Started a claim on 9/20/17 for my washer that has water coming back into the machine and my the bottom oven on our double wall oven that gets warm, but not hot. They told me a technicion would call me to set up an appointment. On 9/25 I called Appliance Parts Planet. Tech said he'd be out the next day. He came out, two easy fixes, but he would need to order the parts and would call me to set up a return date. 10/6 I call tech to see when he would be returning. The oven part is on back order and he doesn't know when it will be available...okay? He has the part for my washer, but will call when the oven part comes... Read More

Houston, Texas
so far 10 days without a working water heater. I was told on a follow up call that the water heater purchased order was approved and will be sent to their vendor. After 5 days of not hearing anything from the contractor I called FAHW and I was told that the Purchase order was not approved yet and will be soon... whaaat? So they lied to me the 1st time and that was it on this second follow up... I was told that a Manager will contact me to resolve my case... Very disappointing.

Atlanta, Georgia
Horrific customer service. I had there service for year.My a/c was in need of repair. I informed by rude customer service rep.That my a/c repair was an preexisting condition.Granted I have been under their warranty coverage for a full year.They refuse to repair a/c. It cost 900.00 to repair and if wasted payments.Where to be add in to cost around 1200.00. Worst company ever I don't know how they are ranked so high.

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