Compare American Home Shield vs. First American Home Warranties

What’s the difference between American Home Shield Home Warranty and First American Home Warranty? See how our editors compare the two companies below.
Last Updated: January 16, 2018
Disclosure: We receive advertising revenue from some partners. 
Learn more.
American Home Shield
9.7 / 10 - Excellent
#1 in Home Warranties
First American
8.5 / 10 - Excellent
#7 in Home Warranties
vs

Key Facts

  • Far and away the trusted industry leader
  • They have paid out over $1.8 billion in claims in the past 5 years
  • Nationwide network of more than 13,000 contractors
  • More than 1.6 million customers
  • Best reputation in home warranty industry
  • 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

OVERALL RATINGS

 American Home ShieldFirst American
Coverage10/1010/10
Reputation10/108/10
Contract & Price10/108/10
Claims & Service9/108/10

Coverage

Key Facts

 American Home ShieldFirst American
Plan Types
Systems
Appliances
Combo Plan
Build Your Own
Appliances
Combo Plan
Benefit Limit Type
Per Item
Per Item
Unlimited
Typical Appliance Benefit Limit
$3,000
Typical Systems Benefit Limit
$1,500

Coverage Details

Covered Systems

American Home Shield
vs
First American
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pumps
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters

Covered Appliances

American Home Shield
vs
First American
  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Free-standing Ice Makers
  • Trash Compactors
  • Garage Door Openers
  • Built-in Food Processors
  • Refrigerators
  • Clothes Dryers
  • Clothes Washers

Exclusions

For a full list of American Home Shield exclusions, check out https://www.ahs.com/pricing-and-plans/contract-policies

Exclusions

For a full list of First American exclusions, check out http://coverage.firstam.com/images/samplecontracts/LL/LLTX.pdf

Specialty Items

American Home Shield
vs
First American
  • Guest Unit
  • Pool/Spa
  • Well Pump
  • Septic
  • Pool/Spa
  • Well Pump

Contract & Price

Contract Details

 American Home ShieldFirst American
Annual Premium
Starting at $249
Starting at $288
Minimum Contract Length
12 month(s)
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Sample Contract

American Home Shield provides a sample contract for potential customers on its website: https://www.ahs.com/pricing-and-plans/contract-policies

Sample Contract

First American provides a sample contract for potential customers on its website: http://coverage.firstam.com/images/samplecontracts/LL/LLTX.pdf

Cancellation Policy

Customer can cancel anytime with refund possible.

Claims & Service

Claims

 American Home ShieldFirst American
Service Fee
$75, $100 and $125
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days
30 days

Contractors & Service

 American Home ShieldFirst American
Contractor Selection
In-Network Only
In-Network Only
Contractor Network Size
13,000+ contractors
Number of Technicians
45,000 technicians
Service Recall Period
60 days
0 days

Reputation Compared

Company Details

 American Home ShieldFirst American
Year Founded
1971
1984
NHSCA Membership
Number of Customers
1.6 million
450,000
Number of Employees
1,700
351
TrustPilot Rating
3.7 out of 10
7.0 out of 10
BBB Rating
B
B
BBB Rating
20
6
BBB Neutral Reviews
12
4
BBB Negative Reviews
642
277
Date Collected
2017-07-15

Contact & Additional Information

 American Home ShieldFirst American
Homepage URL
Company Phone
(888) 429-8247
(800) 992-3400
Headquarters Address
889 Ridge Lake Blvd., Memphis, TN, 38120
Mailing Address
P.O. Box 849, Carroll, IA, 51401
P.O. Box 7248, Santa Rosa, CA, 95407
Year Founded
1971
1984

Final Verdict

American Home Shield Home Warranty has a higher overall rating than First American Home Warranty. American Home Shield scores better than First American across: Reputation, Contract & Price, Claims & Service, Contractor Network, and Customer Base. Both companies score similarly on Coverage.


Customer Comments & Reviews

Navi P
Tracy, California
1/14/2018
American Home Shield Home Warranty review
I had service with America home shield for 2 years, hardly ask for repair request. This new year eve2017 my fridge was leaking & water that turn off the water to get in fridge got broken so we have to turn off the whole water combing in home . I call them Thursday 28 for service request, it’s urent no water running in home. first it take them hour n half to pick up Call , they never call back ... I call them back again it took them hours to pick up Call. Then when i talk to them they said they doubt have any body to fix my problem as it’s holiday weekend. Then my husband find some body himself to fix the water valve that is broken To fix so we can have water running in home .the person charge us $200.00 , we pay him cash... know finally water is running . I call aging America home shied , again hours hold tell them reamberse my money and send some body to fix my fridge as they never call me . I told them I am not going to pay 75 fee when they come in as I went though this hassle.. also members my $200 back to they are crazy not listening and up I have to close my services with them .I hope nobody will go with them the worst customer service I’ve ever had .two years with them paying every month hoping , if I ever I had issue . They will take care Nicelly and asap, but they are worse... don’t wast money with them worse company.Harley .worst worst and worst warranty services . Very bad experience.... nobody should go with them...... all I ask my $ 200 that I spawn somebody to fix my water wave begide the fridge so my whole should get back water.....& $75 Service request waive....


V
VIVIAN P
Seattle, Washington
12/26/2017
American Home Shield Home Warranty review
AHS Is by far the Best home warranty plan you can have. Technicians they send out for service you request are Superb and are the most courteous companies.. Very Knowlegeable technicians, Trustworthy is far more an asset to any company and this is AMERICAN HOME SHIELD WARRANTY AND THEIR ASSOCIATES...WE'VE BEEN MEMBERS SINCE 2009 THANK YOU AHS FOR EXCELLENT QUALITY SERVICE...HAVE A PROSPEROUS NEW YEAR AHEAD


P
padeedehAbe B
Alexandria, Virginia
7/13/2017
First American Home Warranty review
I'd like to compliment one of your employees, Ms. Britney, for the excellent service she has provided to me. Ms. Britney has helped me with the recent unresolved claims which she got involved and is being resolved. I am very pleased with the overall services I have received from her. However, Ms. Britney's professionalism and ability to identify the problems and get to the bottom of the situation quickly has exceeded my expectations and it has certainly been a pleasure working with her. Such a commitment to great customer service is to be commended. Sincerely, Abe Bibizadeh


P
Prince M
Chicago, Illinois
4/21/2017
First American Home Warranty review
The "service" is all around bad. The contractor have be a ncns virtually every time I had to have one sent out. During a record breaking ckld streak here un Indiana I waited a month for a contracto to come out. After 4 ncns and 3 weeks the gave me a voucher to by a space heater. Each year the cost gets higher and service gets worse. Do not use the company.


J
John D
San Antonio, Texas
7/16/2016
First American Home Warranty review
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 these repairs are not done immediately. It takes a day or more after the initial trouble call to schedule a repair person. Then after they evaluate the problem, they have to send a report to the warranty company to authorize parts and labor. For small things, that is pretty quick, usually on the initial service call. For big items there can be a wait of a week or more. On our latest a/c outage we're going on a week waiting for the compressor to be replaced. When I checked with the a/c contractor this morning, they advised that the part had been authorized but would not be available till next week from the supplier. So we're here in Houston in July with only the downstairs unit providing cooling. I did ask today if it was possible to get a "cash out" for the repair so I could go ahead and call another company to do the repair more quickly. I'm waiting on an answer on that. If you understand the rules and fine print, and you have the ability to wait for repairs, a home warranty can work out in the long run. If you don't have patience and need your a/c in July or heat in the winter, saving that annual payment into a repair account might be a better idea.


J
JoAnn S
West Hills, California
6/27/2016
First American Home Warranty review
The worst!!! If you call to place a claim or get info plan to be on hold for at least 1 hour. There is nothing in there website for comments. Their contractors ask you to sign a release if liability before they even service you so if they break something they do not want to be held responsible. Not worth the aggravation.


E
Ersie R
Kingston, Tennessee
2/29/2016
American Home Shield Home Warranty review
Our hot water heater leaked and the contractor responded quickly and repaired the problem. He also recommended the Dry Wall Service that we would need to dry the walls surrounding the water heater. We were pleased with the time it took to restore everything to normal. The contractors were very polite, efficient and punctual. They did a marvelous job of cleaning up when they were finished.


N
Nahun H
Eatontown, New Jersey
2/18/2016
American Home Shield Home Warranty review
It was 20degres,was very cold my heather fan went out,I call Home shield,in 20min.i receive a call from a vendor in less of 2 Hrs.a Tech show up,he adjust the Fan to work until he pick up the new part,he return the next day first thing in the morning,and install the New a Fan,the Tech was very resourful,he was well,presented,left the area very clean on both times he work on my Unit.imwas very please,with the customer service,they understud my problem and act very fast,looking for a Contractor that was available .