First American Home Warranty Reviews
Serving more than 590,000 customers out of its California headquarters, First American Home Warranty initially launched in 1984. For nearly 40 years, the company's mission has been to offer customers 24-hour access to coverage seven days a week. In 2019, First American Home Warranty saved consumers over $177 million, with 63% of customers filing a claim. The company offers a "find an office" tool to help you find a location closest to you. Out of 1,614 First American home Warranty reviews on the Better Business Bureau (BBB), the company sees an average three-star rating.
First American Home Warranty coverage at a glance:
- Plan options: Basic and Premier
- Length of contract: 1 year
- Offers services in 35 states
- Prices start at… $290 for a single-family home in mountain states
- Service fees: $75–$100
- Length of work guarantee: 30 days (page 8)
- BBB Rating: B+
- Trustpilot rating: Great
How First American compares:
| | First American Home Warranty | American Home Shield | Choice Home Warranty | | ---------------------------- | --------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------- | | Plan options | Basic and Premier | Systems plan, combo plan, and appliances plan | Total Plan and Basic Plan | | Length of contract | 1 year | 1 year | 1 year | | Availability | 35 states | 49 states | 47 states | | Price | Starting at $290 for a single-family home in mountain states | Starting at $299 annually | Starting at approximately $1 per day | | Service Fees | $75–$100 | Up to $75–125 | $85 | | Length of work guarantee | 30 days | 30 days | 90 days for parts and 60 days for labor | | BBB Rating | B+ | B | B- | | Trustpilot rating | Great | Bad | Great |First American pros and cons:
| Pros | Cons | | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | - Customers can customize coverage based on their needs - If some items are too damaged to repair, the terms of some service agreements provide replacement coverage - Customers can choose between paying annually or monthly premiums - There is no limit to how many service calls a customer can make | - There are only two plans for customers to choose between - First American Home Warranty chooses the contractor the customer must use - There is no coverage for leaks in the roofing |A deeper look at First American Home Warranty
First American Home Warranty offers 2 plans:
If customers pay the annual premium for either plan, then First American Home Warranty waives the $3 handling fee during every month of the contract.Basic plan
What does it cost? $25 per month What does it cover? | Systems | Appliances | | --------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------ | | - None | - Cooktop - Dishwasher - Garbage disposal - Microwave - Oven range - Refrigerator - Trash compactor - Washer-Dryer |Premium Plan
What does it cost? $41.50 per month What does it cover? | Systems | Appliances | | ------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------ | | - Central vacuum system - Electrical - Heating - Ductwork - Garage door opener - Plumbing stoppages - Water heater | - Cooktop - Dishwasher - Washer-Dryer - Garbage disposal - Microwave - Oven range - Refrigerator - Trash compactor |Additional optional coverage
- Additional refrigeration: $4 per month for up to 4 units
- Central air conditioning (electric): $9 per month
- First-class upgrade: $9 per month
- Pool and (or) spa equipment: $15 per month
- Well pump: $7 per month
Does First American Home Warranty have coverage limits?
Coverage limits include the maximum amount, or cap, that First American Home Warranty covers for the repair or replacement of systems and appliances. If the costs for repairs or a replacement exceeds the coverage limits, then it is the consumer's responsibility to pay the difference out of pocket. Consumers can expect to see the following dollar limits:- Plumbing: Items that are encased by or covered with concrete are limited to $500
- Water heater: Diagnosing, accessing and repairing or replacing heat pumps or water heaters are limited to $1,500
- Heating: Water heater and heating combination units and heat pumps are limited up to $1,500
- Ductwork: If ductwork is below a concrete slab or is encased by concrete, there is a limit of up to $500
- Central air conditioning: Diagnosing, accessing, repairing or replacing units is limited to up to $1,500 for heat pumps and combination units
- Pool or spa equipment: There is a limit of up to $1,500 for circuit boards and saltwater cells
- Refrigerators: If purchased, there is a limit of up to $3,500
- Additional refrigeration: If purchased, there is a limit of up to $1,000
- Well pump: Limit of up to $1,500 for one well pump per home
- Septic tank pump or system: Tank systems have a limit of up to $500
