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 an 88 out of 100 and named it the home warranty company with the ‘Best Value’ of 2022. 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.


 

Pros & Cons

✔ Covers pest control, including mice, pillbugs, spiders, roaches, sowbugs and more
✔ First Class Upgrade covers additional components of covered items as well as HVAC lifting equipment, improper installations and modifications, and certain code upgrades
✔ Affordable plans for $50 or less

✘ Air conditioning is only available as add-on coverage
✘ Basic Plan doesn’t cover plumbing or electrical systems

Link Star Rating BBB Rating Monthly Cost Service Fee
American Home Shield
B $40–$58 $75–$125
Liberty Home Guard
A- $40–$60 $65–$125
Select Home Warranty
B- $36–$48 $60–$75
First American Home Warranty
B $36–$38 $75
Cinch Home Services
B $35–$62 $100–$150
HomeServe
A+ $38–$63 $65–$76
Priority Home Warranty
$33–$47 $70
AFC Home Club
B $38–$54 $75–$125
American Home Shield
Star Rating
BBB Rating B
Monthly Cost $40–$58
Service Fee $75–$125
VISIT SITE
Liberty Home Guard
Star Rating
BBB Rating A-
Monthly Cost $40–$60
Service Fee $65–$125
VISIT SITE
Select Home Warranty
Star Rating
BBB Rating B-
Monthly Cost $36–$48
Service Fee $60–$75
VISIT SITE
First American Home Warranty
Star Rating
BBB Rating B
Monthly Cost $36–$38
Service Fee $75
VISIT SITE
Cinch Home Services
Star Rating
BBB Rating B
Monthly Cost $35–$62
Service Fee $100–$150
VISIT SITE
HomeServe
Star Rating
BBB Rating A+
Monthly Cost $38–$63
Service Fee $65–$76
VISIT SITE
Priority Home Warranty
Star Rating
BBB Rating
Monthly Cost $33–$47
Service Fee $70
VISIT SITE
AFC Home Club
Star Rating
BBB Rating B
Monthly Cost $38–$54
Service Fee $75–$125
VISIT SITE

 

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.

Item CoveredBasic PlanPremier 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. 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.

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. Additionally, the First Class Upgrade covers expenses from using cranes during installation, pays up to $250 where local building permits are required for replacing appliances, and pays for expenses related to the removal or hauling away of an appliance.


 

Coverage Exclusions

With any home warranty plan, there are certain exclusions, or specific items that will not be covered by your provider. While pre-existing conditions are excluded from coverage, First American does not limit the age of a system or appliance it protects.

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 doorbells

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.

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.


 

State Availability

First American Home Warranty is available in 35 states nationwide. However, it is not available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, or Wisconsin.


 

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. As with any home warranty provider, 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

We also received a First American review from a This Old House reader:

They have been horrible to deal with for the last four years. Even pre-pandemic the hold times exceeded 30 mins. Resolution to problems was always a week or more. I have been a customer for over 10 years and the first few years were great. They have been terrible lately, with no signs of getting better.” — Ken C. on 8/12/2022


 

Our Conclusion

The This Old House Reviews Team gives First American Home Warranty an 88/100 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 multiple 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:

Link Star Rating BBB Rating Monthly Cost Service Fee
American Home Shield VISIT SITE
B $40–$58 $75–$125
Liberty Home Guard VISIT SITE
A- $40–$60 $65–$125
Select Home Warranty VISIT SITE
B- $36–$48 $60–$75
First American Home Warranty VISIT SITE
B $36–$38 $75
Cinch Home Services VISIT SITE
B $35–$62 $100–$150
HomeServe VISIT SITE
A+ $38–$63 $65–$76
Priority Home Warranty VISIT SITE
$33–$47 $70
AFC Home Club VISIT SITE
B $38–$54 $75–$125
American Home Shield
Star Rating
BBB Rating B
Monthly Cost $40–$58
Service Fee $75–$125
VISIT SITE
Liberty Home Guard
Star Rating
BBB Rating A-
Monthly Cost $40–$60
Service Fee $65–$125
VISIT SITE
Select Home Warranty
Star Rating
BBB Rating B-
Monthly Cost $36–$48
Service Fee $60–$75
VISIT SITE
First American Home Warranty
Star Rating
BBB Rating B
Monthly Cost $36–$38
Service Fee $75
VISIT SITE
Cinch Home Services
Star Rating
BBB Rating B
Monthly Cost $35–$62
Service Fee $100–$150
VISIT SITE
HomeServe
Star Rating
BBB Rating A+
Monthly Cost $38–$63
Service Fee $65–$76
VISIT SITE
Priority Home Warranty
Star Rating
BBB Rating
Monthly Cost $33–$47
Service Fee $70
VISIT SITE
AFC Home Club
Star Rating
BBB Rating B
Monthly Cost $38–$54
Service Fee $75–$125
VISIT SITE

 

Frequently Asked Questions


 

Company Information

  • Company name: First American Home Warranty
  • Company type: Public
  • CEO: Kristin Swan, Principal
  • Founding date: 2/8/1984
  • Address: P.O. Box 7248
  • City/State: Santa Rosa, CA
  • Postal code: 95407

 

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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

First American Home Warranty Review