We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more

First American Home Warranty Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
566 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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

Leave a comment for First American Home Warranty
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

566 Customer Comments & Reviews

Loading Reviews ...
M
Maria C
7/26/2016
I have had disappointment after disappointment with this company. The contractors they use are incompetent and unreliable. It took 2 weeks and several phones calls to get my refrigerator fixed. Now I am without AC in Texas for 3 days now. The contractor was supposed to come today between 8am-5pm. It is now 8:30pm and nothing. The contractor doesn't answer their phone and I have called First American 4 times already, hold for 15-20 minutes each time and then get disconnected. I would not waste your money or time with this company. Not once has the company offered to make things right. I will be contacting the BBB to file a complaint.


L
Laurie Z
7/26/2016
Terrible service, outsourced support, hours of wait time to get ahold of a person and then they don't speak english! They are supposed to assign a contractor within 2 days of a service request, as of today it has been 6 days that my A/C is not working in 100 + degree weather in Austin, Texas!


G
Greg H
7/26/2016
On the July 7th I placed an EMERGENCY work request to have my AC unit repaired. Since that timeframe 1st American has dispatched 2 technicians. The first technician could not service my unit and the 2nd technician provided a diagnosis and recommendation a couple of days later. However, since the 8th of July no one from 1st American has contacted me with the status of this EMERGENCY request. I was told that Deven Raj (x2626) was my Claims Manager but I have never heard from him even though I've left messages at his extension. I (the customer) have resigned myself to contact 1st American every 3 or 4 days. During this process, I am on HOLD from 35-90 minutes before I am able to speak... Read More


M
Marla C
7/21/2016
They are the worst. If you want to spend your life on hold and still get nothing this is the company for you. I have been fighting with them for 40 days about replacing a dishwasher and all I get is alot of arguments about why they can't replace the same dishwasher I have when they have already agreed to replace my 2 year old dishwasher that is still made and available. If your realtor is going to pay for your Warranty plan as a gift for giving them business, make sure it's not First American.


D
David P
7/18/2016
FAHW will leave you on hold for 30-50 minutes, then you will speak to someone you cannot understand, or who does not understand you. I used their Messaging system to try to expedite the claim information and it took 5 days to get a response. Service technician showed up on the wrong day, and when they did show up on the day we had the appointment, they were over 30 minutes late, beyond the 3 hour window. Then, they claim some items are not covered, after already having 2 Customer Service reps at FAHW tell me they were. Bait and Switch! Called again, on hold 47 minutes and after explaining to the agent I asked to be transferred to a Supervisor....on hold 15 more minutes and then... Read More


E
Ethan P
7/18/2016
This is a horrible company! Don't use them. I had them for 2 years and had filed 4 claims with them. Either they would make an excuse about it being not covered or the contractor wouldn't show up and perform the service. Worst customer service I've ever dealt with


B
Bonnie B
7/17/2016
I have been a customer of First American Home Warranty for years and have insured up to 4 properties at a time. I have never had any issues with them until this year. I can only think that there has been some kind of ownership or management change because the service is HORRIBLE!!! Notice the caps. I have a property that has been insured with them since I purchased it in 2012. This year in Feb I submitted a claim for a plumbing problem. They said it was not covered and denied the claim. I paid another co. to do the work and sent the bill to FAHW and after some running around they refunded the entire amount to me. In June I submitted a claim for the same property for the ac and ducting.... Read More


Alex P
7/16/2016
after 9 phone calls to claims dept., and 4 appointments with 3 different contractors, our dishwasher still leaking


J
John D
7/16/2016
We have used First American Home Warranty since we bought this house in 2004. It was included in the purchase the first year, then we continued to pay each year. Overall we e found it a good value. We've had one full a/c unit replaced and the evaporator coil on the other unit. We've had both water heaters replaced as well as two front load washers that could not be repaired and a dishwasher. We've also had minor plumbing and electrical problems repaired. The only claim we were denied was a lever on our built in oven that locks the door for the self cleaning oven to function. That was ok, we still can use the oven and manually clean it. However, it is important to understand that... Read More


Rachel B
7/13/2016
This company rarely answers the phone, places customers on hold for extensive amounts of time and then disconnects the call. They are not fast to aid any customer with any issues and take excessive time to address needs. Additionally the contractors they use are regularly rated as some of the worst in the industry. Their lack of customer support and service make their rating horrible!



Our Partner
  • Memorial Day Sale: $200 Off with Code MD24
  • Unlimited claims
  • Filing a claim does not increase your rate
  • $1.9 Billion in claims paid since 2011