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First American Home Warranty Review (2021)

First American Home Warranty is one of the top home warranty providers in the industry, providing comprehensive plans at affordable prices. Keep reading this First American Home Warranty review to determine if this company is right for you.

Home Exterior William Geddes

TOH Rating: 8.4/10

Established in 1984, First American Home Warranty (FAHW) has a long-standing reputation within the home warranty industry. Its parent company, First American Family, was built more than 125 years ago and excels in fields like trust services, title insurance, and real estate solutions.

In this review, the This Old House Reviews Team will take a closer look at First American Home Warranty and examine the company’s plans, coverage, and pricing, and help you determine if FAHW is the best home warranty for you and your home.

Get a free quote from First American Home Warranty by using the tool below, and receive $100 off when signing up online:

Our Take on First American Home Warranty

We rated First American Home Warranty a 8.4 out of 10 and named it the home warranty company with the ‘Best Value’ of 2021. Its affordable monthly premiums, 24/7 customer service availability, and B rating from the BBB make it a worthy investment for homeowners living in states it serves.

First American Home Warranty Plans & Coverage

First American Home Warranty’s coverage includes two plans for customers: a Basic Plan and a Premier Plan. The Basic Plan covers essential home appliances while the Premier Plan covers major home systems and appliances like your refrigerator, washer, and electrical system.

First American Home Warranty Plans

Item Covered Basic Plan Premier Plan
Item Covered Basic Plan Premier Plan
Washing machine
Clothes dryer
Refrigerator
Dishwasher
Oven, range, and cooktop
Microwave
Garbage disposal
Trash compactor
Plumbing -
Plumbing stoppages -
Heating system -
Water heaters -
Electrical systems -
Garage door opener -
Ductwork -
Central vacuum system -

Optional Add-Ons

If you need additional coverage after purchasing your base plan, First American Home Warranty has several options, including air conditioning coverage. The First Class Upgrade is another popular choice, which covers fees not normally associated with home warranty plans, such as permit upgrades and hauling away old items.

Here’s a full list of First American’s optional add-ons:

  • Central air conditioning ($9)
  • Additional refrigeration ($4)
  • Pool/spa equipment ($17)
  • Well pump ($7)
  • First Class Upgrade* ($9)
  • Septic tank pumping/system ($7)
  • HVAC tune-up ($2)

When adding the First Class Upgrade to a plan, policyholders gain coverage for cosmetic damage on home systems or appliances, along with the following benefits:

  • Covers expenses from using cranes during installation
  • Pays up to $250 where local building permits are required for replacing appliances
  • Pays for expenses related to the removal or hauling away of an appliance

After signing up for a contract, a First American Home Warranty sample contract reveals that policyholders have 60 days to add optional coverage to their plan.

Coverage Exclusions

With any home warranty plan, there are certain exclusions, or specific items that will not be covered by your provider. We combed through First American’s sample contract to find some common exclusions, listed below:

  • Water Heaters: Holding or storage tanks, flues, vents, and fuel storage tanks
  • Heating System: Space heaters, chimneys, filters, and grills
  • Kitchen Appliances: Rotisseries, knobs, dials, lock assemblies, and door glass
  • Electrical System: Low voltage systems, power surges, timed circuits, and door bells

While home warranty companies offer financial peace of mind and a way to protect your budget from unforeseen expenses, they will sometimes put coverage limits on items. For instance, most companies set coverage caps—dollar amounts on certain systems and appliances—that prevent the company from paying for repairs or replacements over that amount.

Under a First American Home Warranty, the components required for equipment to function correctly are included. For a heating system, repairs or replacements are limited to $1,500 per contract and covers expensive items like the heat pump and heating elements. Coverage for a garage door includes switches, motors, the center rail assembly, and adjustments.

While pre-existing conditions are excluded from coverage, First American does not limit the age of a system or appliance it protects.

Note: Before acquiring a contract, it’s a good practice to document maintenance and service records to ensure they are in safe and efficient working order before coverage begins.

First American Home Warranty Pricing

First American Home Warranty’s two plans are competitively priced within the home warranty industry. Although the Premier Plan doesn’t cover air conditioning, it still costs less than $50 per month, which is rare for a company’s most comprehensive plan. Based on our sample quote, here’s what each plan costs.

  • Basic Plan: $37.00 per month
  • Premier Plan: $49.50 per month

If you only want your most essential appliances covered, the Basic Plan is a great option. At just $37 per month, it won’t break the bank. If you need more coverage, the Premier Plan is among the most comprehensive in the industry and costs less than $50 per month. It covers the entire home, and the low price makes it easy to add optional coverage items to your plan.

When compared to the average cost of a home warranty, First American pricing is competitive and falls on the lower end of the industry average. Typically, home warranties cost between $25–$50 per month, with more comprehensive policies costing upward of $60 per month.

Service Fees

A service call fee is standard upon most home warranty companies. This expense is paid for by a policyholder and is due when a technician arrives to address an issue. First American charges a service fee of $85. In general, most home warranty companies charge between $75–$125 for a service fee.

Idea House Nat Rea

First American Home Warranty Reviews

First American Home Warranty has been accredited with the Better Business Bureau (BBB) since 2000 and has a B rating with the company. After receiving over 1,400 reviews from actual customers, the group has a three out of a five-star rating with the BBB.

As with any home warranty company, First American Home Warranty reviews contain a mix of complaints and praises. Here are a few customer reviews from the BBB:

I am very happy with the coverage options, ease of placing, and tracking service calls. Staff is friendly and very helpful. This is why I continue to renew my service coverage. It is great to have peace of mind.” — Paul C. on 4/8/2020

Very good service. They work fast! Was very pleased with the repair we had done!” — Dustin H. on 4/6/2020

Leak in [the] bathroom tub. At first, [the] vendor said he did the work even though he had never shown up at the house. Then he said he couldn’t access the plumbing, so we opened up the wall ourselves. Then he said he would need to replace more pipe than originally thought. First American Home Warranty refused to approve the work. So, almost 3 weeks lost and First American still refuses to cover an item clearly covered in the policy. Awful!” — J-Mod on 4/8/2020

Our Conclusion

The This Old House Reviews Team gives First American Home Warranty an 8.4/10 rating. The company has some of the most affordable home warranty plans in the industry, covers items that were improperly installed, modified, or maintained, and doesn’t have a coverage cap on cooling, heating, or ductwork.

Additionally, FAHW provides 24/7 customer service, is recommended by realtors, and offers flexible payment options for customers.

First American Home Warranty may be a good option for you if you own an old home, you’re unsure if your systems or appliances have been improperly installed or maintained, or you don’t want coverage caps on essential home systems. It may not be the best option for you if you have brand new appliances that are covered under a manufacturer’s warranty or you live in one of the states that doesn’t receive coverage.

Get a free First American Home Warranty quote:

If you’re not sure whether First American Home Warranty is right for you, see how the company stacks up against other top home warranty providers in the industry. We recommend getting quotes from all three providers so you can compare plan pricing and choose a plan that best fits within your budget, while still providing the essential coverage you need:

Compare Home Warranty Companies

Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
First American Home Warranty Value $36–$38 $75 B 35 years 35 states (Not including AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NY, ND, RI, VT, WI)
American Home Shield Overall $40–$58 $75–$125 B 49 years 49 states (Not including AK)
Choice Home Warranty Service $36–$44 $60–85 B 11 years 48 states (Not including CA, WA)
Select Home Warranty Lowest Deductible $36–$38 $60–$75 B 8 years 46 states (Not including NV, NY, WA, WI)
America’s First Choice Home Club Customization $43–$60 $75–$125 B 10 years 46 states (Not including CA, HI, NV, SC)
Liberty Home Guard Trustworthiness $40–$60 $60 A+ 2 years 45 states (Not including CA, IL, WA, WY, WI)

To learn more about these home warranty companies, read our in-depth company reviews:

Company Information

  • Company name: First American Home Warranty
  • Company type: Public
  • CEO: Kristin Swan, Principal
  • Founding date: 2/8/1984
  • Years in business: 35 years
  • Address: P.O. Box 7248
  • City/State: Santa Rosa, CA
  • Postal code: 95407
  • BBB rating: B
For more information, call First American Home Warranty at 833-204-7164.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Our Score Breakdown for First American Home Warranty

Frequently Asked Questions about First American Home Warranty

How soon can I request service from First American Home Warranty?

First American Home Warranty has a 30-day waiting period before service can be requested, which is standard in the home warranty industry.

How do I request service from First American Home Warranty?

To request service, you can either call First American or submit your request online, and both options are available 24/7. You will be put in touch with a service technician who will arrive at your home, make sure your repair is covered, and begin the repair process. At the time of repair, your service fee is due.

How do I make a claim with First American Home Warranty?

If a covered system or appliance breaks down, policyholders of a First American Home Warranty service contract have a few options for filing a service request. The most convenient way to make a claim is to log into the First American Home Warranty Account Center and explain the issues you are experiencing.

You can also call 800-992-3400 to speak with an agent and request service.

Typically, a technician will contact a homeowner within 48 hours to set up a mutually convenient appointment. Once on the property, the expert will diagnose the problem and determine if a repair or replacement is necessary. At this time, the customer will pay the set service fee.

Will my home warranty protect me from weather-related incidents?

Home warranties typically only cover damage and breakdowns due to routine wear and tear. Weather-related incidents, such as tornadoes, flooding, hurricanes, and other storm damage, are typically covered by home insurance.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.