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First American Home Warranty Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
580 Customer Comments & Reviews - see all comments
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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

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580 Customer Comments & Reviews

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Pam B
8/27/2019
NEVER use this company! The calls are directed to out of the country where they cannot speak English so unable to assist you. They will NOT transfer you to a U.S office. Several times the contractor they set up does not even exist (either out of business or never existed). It takes days for customer service to return my call to get set up with another contractor (4th one). Every contractor they use has the WORST reviews. I finally got a call from Chris N in Leadership dept. He would not give me the chance to explain what I needed repaired at all. He was extremely rude, condescending & a very nasty person. I ask to escalate this issue & he said "it is not going above him & too bad if I do... Read More


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Anne
8/23/2019
DO NOT go with this company. We are going on week 10 with no hall bath. Their first question to us was, "Well, don't you have another bathroom?" So you get what kind of company we're dealing with here. They have been unprofessional and untruthful. They have conveniently "modified" our contract without notifying us and suddenly, our plumbing issue is not covered. Their contractors have the worst ratings and reviews. It took their contracted plumber 6 weeks before they even came out (and came to our house outside of their time window and then canceled the work order!). Run away and use someone else, anyone else! They are nothing more than a scam.


Geraldine S
8/20/2019
This company is a rip off ! I filed a claim five days ago and haven't got a response yet.


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SJohnson05
8/13/2019
I have used this company for 10 years and every year I swear I will not use them again. They have a good website and decent phone system, but the people behind those systems are incompetent, rude, and ineffective. I have had troubles with them almost every time I use them. The latest involves $352 they owe me. I have not been reimbursed for an out of pocket charge I had to incur (that I got pre-approval for) in May. Now when I call in to ask about it they say it was processed yesterday, I can't speak to anyone with access to that system, no one can tell me what is/was holding it up, and when I asked to speak to a supervisor they hung up on me. I have received a letter each month (June,... Read More


mjordan2012
8/12/2019
not sure how they made it up so high. I have a fridge that has been down 5 days and they blame the tech that came out the company they sent said this is normal for your company. no priority and the parts may come in 5-7 business days. lost most of my food. they will not waver the 75 and the HD reps have no clue how their company even operates. they tell you the purchasing dept doesn't work on weekends and they blame the company they sent out. I have had these guys for years and they pull this now and then but its been getting worst. I wouldn't recommend them at all


Sharon S
8/8/2019
Our air conditioner broke and needed to be replaced during a long heat wave. I have three children and two dogs in a house that is 90 degrees. It has been 16 days and we still have no replacement, even after 23 calls to customer service.


ashley.severin
8/8/2019
TWO Months without A/C with no end in sight They do not live up to the hype and do not care about their customers (let alone caring about their customer’s situations as if they were their own- which is a survey question repeatedly asked). They refuse to tell you what’s going on with your repair/replacement and continually schedule incredibly sub-par contractors to come out to work on *your* property. If we don’t get a say in what happens, we at least have the right to know *what* is going on on our property. Their claims resolution “specialists” are a joke. I’ve had only *one* decent one and I’ve spoken with over nine. Do not use this company!! Update: FAHW reached out and put a new... Read More


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Kevin M
8/4/2019
I am thoroughly disgusted with FAHW. Our house has been without a/c for over 57 days. I have spoken to several people from their company just to hear excuse after excuse. Our house is starting to have mildew / mold issues. I have asked for a copy of all correspondence just to be told I can not get them. I asked to speak to their legal dept just to be told I can not even do that. When they chose to call me (very rarely) it was always after the technician had closed his business for the day. I have sense turned it over to WV Attorney Generals Office. They informed me they have ten days to respond. My family has been split up due to the fact it is too hot in our house for my daughter... Read More


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Kristin C
7/31/2019
We recently used our First American Home Warranty policy for the first time when our hot water heater went out and needed to be replaced. The local contractor whom FAHW sent said it would take 7-10 days for a replacement. Then the contractor said our attic opening (hot water heater is in our attic) wasn’t large enough to install the new one they had. We had to call a plumber friend of ours for a second opinion. He found a reasonably priced water heater that would fit in our attic. When my husband called NAHW and told them this, they agreed to order a correct fitting one, which took several more days. This has been a huge ordeal. We’ve been without hot water for two weeks.... Read More


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Steve S
7/25/2019
No chance I will EVER renew this contract and will recommend against using this company to clients (real estate). I rarely write these reviews but repeated denials for legitimate requests makes this company a complete fraud. I’m shocked to read the BBB has continued to give this company any type of positive rating. I will do the repairs myself and consider this a lesson in wasting money.



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