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)
580 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.

580 Customer Comments & Reviews

Loading Reviews ...
cryptopndump
9/10/2020
Absolutely terrible. A nightmare trying to get them to send out competent contractors to fix anything. called and left messages multiples times and received no reply. Do not do business with them.


J
Jason
8/25/2020
Terrible experience. If you need a complete AC replacement, expect 30 day wait and considerable out of pocket expenses. Their customer service is terrible and they don’t care about their customers. Customer service reps seem to have their hands tied on getting anything done and just read from their script.


D
dmiles304
8/18/2020
Your service is terriable! I take time out of my life daily just to write bad reviews. You have the worst customer service I have ever experienced. I have two open claims, no refidgerator, and have not been reimbursed in three months for a $6400 heat/ac unit. I cannot even talk to a person. My wife and I have spent over two hours on the phone this morning getting constantly cut off, and when we do get to talk to a person, they tell us that its upstairs or in management hands waiting for a decision. You have made my life miserable and I am constantly telling my friends and family to not use your company.


tubac11
8/12/2020
This company gives you the run around. You wait on the phone over an hour to reach someone. They don't return calls. A lot of the time when and if you finally get through the person does not speak good English. We have been hung up on. And, they don't send out very capable repair people. My 95 year old mother has been trying to get her air conditioner fixed for over 3 weeks. Temperatures have been 110 and above. I think they try to wear you out so you just pay for any repair yourself.


B
Bryant B
8/4/2020
WORST service I have ever received - we have been misled, deceived and jerked around since July 6th regarding a Kenmore Elite refrigerator repair. Just had our second service technician come out and tell us the original technician did not communicate the problem so he had to order part again and that it would be Aug 24th before our repair would be completed. 6+ weeks is beyond comprehensible - absolutely miserable experience.


jyi.90278
7/30/2020
This company is absolutely a nightmare! Do NOT work with them or give your money to them. We have yet to resolve our issue, and I get half-hearted calls from the rep to see if the service request can be closed when the part didn't even arrive. I was told the part was available on two separate occasions, and when I follow-up, they tell me a different story. They claim they never said such a thing and back peddle. I had detailed who called and when they called and for them to call me a liar is just disgusting. The customer service is a sickening experience. The fact they are showing a higher rating is a joke. Read the reviews that are below average since that is the REAL truth.


David P
7/29/2020
Horrible company. Hung up on me twice. Once while transferring to a supervisor. Just bought my house in October 2019. Already had 2 major issues that they did not cover. It has cost be over $10,000 In repairs. I would advise to find another company


L
Leslie
7/29/2020
We pay the extra fee per month for air-conditioning coverage. Air conditioner went out middle of July in Kansas, over 100° for five days in a row with no air-conditioning called to check status get the runaround regarding ordering parts versus approval. Representative would not give name offered $150 voucher to be reimbursed for a portable air conditioning unit. Portable air condition units cost around $400. Would not offer additional reimbursement for air conditioner or hotel room. Also would not send confirmation email that we would be reimbursed for the $150 if we purchased the portable. Representatives change stories regarding whether parts have been ordered or even approved for... Read More


larrystonster
7/27/2020
I have a, so-far, unanswered claim for a faulty garage door opener. After one week awaiting for a repairman, I find out there is no one in my area to repair it. another week and I finally get a tech from Sears who discovers the motherboard in my motor unit is faulty, Week three I find out there is no spare part available and it may be MONTHS before the part become available. I again call and am told this has to go to some other department to see if the motor unit can be replace en blanc. Going on four weeks and still NO repair! The contact is CLEAR -- if you cannot repair it you MUST replace it. No part available means you cannot repair it. Stop giving me the run-around. I paid $545 for... Read More


R
Ruth A
7/24/2020
I wanted to give them a 0 (zero), but it wasn't an option. I have been with your company for years. As soon as we can get this situation resolved I will be cancelling my contract and the contract on my daughters home. I placed a service call the first days in May. Work Order #613864707. We have had 4 technicians to the house for a total of 7 service calls. Every time I have had to miss work to wait at my home for the visits and not earning pay. First American has sent out the wrong part 4 times and the technicians are not able to repair my stove. The Sears technicians have told us that this part is obsolete and cannot be cross referenced for a new part. I was just on the phone today for... Read More



Our Partner

Best Home Warranty for Broad Coverage

  • Get $100 Off with Code PROTECT
  • $213 Million Saved By Homeowners in Repairs
  • Covers Up to $3,500 Per Home Appliance
  • Filing a Claim Does Not Increase Your Rate