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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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Frank D
8/18/2017
One week to get the repair service to get to the house. FAHW service level agreement is 48 hours!! That's appalling. The repair company assigned to me was very unprofessional. Been on the phone with customer service who don't seem like they can help. Just no remorse or regard for anyone's time. I'm cancelling. I recommend anyone considering them to do their home work before choosing this company


K
Kenneth
8/16/2017
Stay away!! Horrible company! I have been dealing with this company trying to get my AC fixed for 4 weeks! No one knows what's going on, they use contractors that have horrible reviews that are shady, & make up stuff so they Can charge extra, & they act like they care, but nothing gets done! Don't do it!!


E
Emily
8/15/2017
Worst experience ever... two claims for covered items and both times they sent out a "service professional " that I was required to pay the call services fees... after I waited for hours, they both stayed 10 min and left with my money and no repairs. The plumber actually made the leak worse which damaged the floor /subfloor/ ceiling downstairs... I spent hours on the phone with the "service dept". Which is located in CENTRAL AMERICA...could barely understand the conversation. I was asking for another plumber to assess the issue and to not pay the service fee . THEY REFUSED!... really? I spent half of a day off work and ended up with A BIGGER PROBLEM that they are denying coverage... Read More


Channing S
8/9/2017
Hate them, never would send someone out, always said "oh just find someone but don't let them do any work without approval of cost and make sure if they go over X they call us" 'meanwhile every time you call you have to stay on hold for 45 mins. Reimbursement was a nightmare


S
SherrylA
8/7/2017
This company is the worst!!! DO NOT EVER purchase a policy with them. You can never speak with a supervisor when you have an issue. They do not have enough providers to service you so you wait for weeks to receive service. All I can say is run run run as fast as you can from this company!!


Crystal S
8/4/2017
I had TERRIBLE service from this company time and time again. Every issue that I've had with an appliance has required hours worth of repeated phone calls with First American. Their contractors are never available in a reasonable amount of time (usually appointments can't be scheduled for 1-2 weeks). Even if your basement is flooded and water heater is broken, there is absolutely no urgency or follow through on their end to get a contractor scheduled. I had to call back First American 9 times and spend over 6 hours on the phone BEGGING them to send someone to fix the broken water heater that was causing thousands of dollars in water damage to my house. Every single agent and supervisor... Read More


R
rayan
8/2/2017
This is the worst company I ever seen in United States. never do their job on time and very unprofessional customer service. They asked me to send the receipt for the claim. its almost 30 days. I called seven times. they keep saying I have to call and follow up the payment. They don't work their side at all. never ever buy Home warranty from First American Home Warranty......(0/10)


A
A W
8/1/2017
Gave a 1 but don't deserve that. Called Thursday July 27th and today is August 1st and still not done. Tech was to come yesterday, no show. Called approx 8 times no help. Called today on hold for 15 minutes and they hung up on me so don't wast your money or time with this company. WORTHLESS!! Haven't used my sink for 6 days and I have 3 leaks to be repaired. Going to cancel and find another. Don't make this mistake could be life threatening!!


B
Bill W
7/29/2017
Our kids have been living with us for almost three weeks because there AC unit went out. They've received the run around from both First American as well as their local contractor. There are many reputable companies that deserve your business. First American is not one of them


L
Laura
7/29/2017
I have had this warranty company for the last 2 years, and I have only attempted to make 2 claims. The first time I attempted to make a claim, it was on an older AC unit, and I was informed that they would be unable to fix anything that was wrong with this unit as it was preexisting, and we would have to replace it. So, $4000 later we had a new unit. I was upset about this, however, I understood that it was a newer policy, and they would not cover preexisting conditions (although, the reason we decided to get a warranty plan was because our home was an older one). Just recently, we began having an issue with our other AC unit in another part of our house, and I contacted the company to... Read More



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