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First American Home Warranties Review


ConsumersAdvocate.org Rating: 4.3 / 5 (Excellent)
582 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 Do We Rate First American?

Breakdown

4.5/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.0/5
Additional Benefits
4.0/5
Customer Experience

Our Overall Rating: 4.3 / 5 (Excellent)

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 - 4.5 / 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 - 4.5 / 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 / 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 / 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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582 Customer Comments & Reviews

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Nancy c
7/11/2017
I have been a customer of 1st American on 2 occasions. The first time was about 8 yrs ago and the service was fantastic so when my new house needed coverage of course I chose 1st American. I have had 3 different claims since having coverage over the last 18 months. The 1st was the heater quit working in December in Texas in my 80 yr old mothers house while we were out of town and the service man simply bypassed the issue with a wire rather than fixing it, more of a rig than a fix; another recently was an AC unit was not cooling, (at the same residence) 80 yr old woman and here in Texas the temp is nearly 100. We were told by 1st American that a service man would call within 24 hrs, no... Read More


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Haylee
7/10/2017
I got my home warranty when purchasing my fixer upper home, it was chosen by the seller otherwise I would have gone with American Home Shield ( they are Great). First, My 1st call into this company to find out what the seller had purchased for me was horrible.The lady was rude, she sounded like I was bothering her and then when I wanted to file a service request for my A.C. not working she asked me to do it online. The contractor for the A.C. was a nice guy. But because he helped with some additional items on the A.C. unit that needed fixed and didn't charge but put it in his notes. I now keep receiving calls about how they don't cover that item. And not only that- 1st american wants to... Read More


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Tareq S
7/10/2017
STAY AWAY! SCAM!! they sent a Sears man to supposedly repair our dryer & subzero ice maker. What they didnt know is we have video footage at our gate. Sears many claimed he came to property to repair, - he actually never even bothered to show up. We have everything on video showing they are liars. This happened twice. Simply put, First American Home Warranty are not honest and they bill you even when no one shows up.


Melissa R
7/10/2017
At their direction, I called First American's plumber, who promptly came out and told me he couldn't fix the problem until someone else opened up the wall. Once we had the wall opened, the plumbing company would not answer or return my calls. I called First American, who had to call the emergency line to reach their plumber. I was told to call the plumber again to make an appt. Again, the plumber did not answer or return my calls. Since company was soon coming and we'd have 7 people using one small bathroom, I had the problem fixed by another plumber. I called First American again and was advised to submit my receipt for the work, which took me some time to do via their website. I then... Read More


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Jessica K
7/7/2017
it is worst customer warranty I have had. it has been more than 3 weeks since I have first contacted The First American Home Warranty re my air conditioning issue. Claim has no result, customer service provided wrongly information. Worst part is after 3 weeks, the parts finally ready to ship. Unfortunately, the wrong parts have sent to local contractor. Not only the customer service, but the claim specialist and several supervisors I have talked with, they never followed up and leave me the long time customer so hopeless and suffer the hear (120F). They will not do anything, except I call daily. I just act like a coordinator between The First American Home Warranty and very rude... Read More


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Julia L
7/6/2017
No contractors available for emergency plumbing issues!


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Myrontaylor77
6/29/2017
Beware , beware I am a first time buyer of a home and received First American Home Buyer's Protection Corporation home warranty while I bought the home. Six months later my AC compressor broke down and I must pay 65 service charge Plus $365 fee 4 flushing the lines and replacing the compressor. Also I put in the complaint on June 15th 2017 and only have it approved on June 27th 2017. But also now they tell me they don't even know when to expect the compressor to be shipped to the company to do the work and cannot even give me a time frame for that process. After many complaints I get no answer. Beware


Blanca R
6/28/2017
This is a NOT TRUST COMPANY. If you contract is new and something fail they do not going to take care of you. They are going to say that it was broken before the contract which it is not true. This is not a serious company I had a very bad experience with them. Please try another company do not waist your money!!!


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Philip
6/28/2017
Where do I begin! Over a period of 2 yrs we have had an ongoing problem with one HVAC in our home only to finally be told it will replaced however we will be out of pocket a whopping $1460 in addition the the numerous phone calls and service calls which take time out of work day. Pure frustration! It took over a week for them to replace (after lengthy 'approval' process with their professional warranty personnel). Was thinking of using them at a new home purchased but because we did not sign up within 60 days of purchase the price for same 'home warranty' has jumped by $388. They sure know how to chase current customers other warranty providers.


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Pam v
6/28/2017
My air conditioner broke June 17. We filed a claim that same day. We were contacted by Cool Image who schedule an appointment for morning of June 22. They cancelled the appointment. A new contractor was assigned and was schedule for Saturday. He showed up Sunday and assessed the problem. He said he requested the parts. First American said they are waiting for the request. We have called several times, spoken to several people, all are going to help, all speak broken english. This is a nightmare. Heat in the triple digets. Bad company, bad service.



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