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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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L
LETICIA S
7/21/2023
On 06/04/2023 my AC in my home stopped working. I placed a claim with FAHW on that same day. They sent out Zips HVAC to my home to check my AC on 06/06/2023. The HVAC company said it was my Air handler that was the issue and they would inform my warranty company. I was not satisfied with that company because I didn't see him run any diagnostic test and also explained that to the warranty company. After fighting for a second opinion they then sent out Extra Care LLC on 06/16/2023 and that contractor and myself had a very heated exchange because he claimed he couldn't answer any questions I had regarding his findings. I didn't understand why not. The warranty company was also informed about... Read More

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First W  
Official Response

Warranty Care of First American Home Warranty
Hello Leticia. We sincerely apologize for any delays or inconvenience you may have experienced. Our records show that we have agreed to a cash payment in lieu of the replacement of your system. As such, you are to receive payment within seven to ten business days. Thank you.

Michelle H
7/20/2023
Terrible company - they use terrible service contractors, they don't verify the work the service contractors claim to perform, they avoid performing repairs, they don't keep any promises on timelines for repairs or updates, they promise to call back with updates and they NEVER do. I was forced to replace my fridge after two botched repairs and on the third repair request they dragged their feet for 17 days and I still had no estimate on a repair date or confidence that the correct repair would be performed. STAY AWAY FROM THIS COMPANY! Such a rip-off!

First W  
Official Response

Warranty Care of First American Home Warranty
Hi Michelle, according to our records, you placed a claim on July 1, 2023, for your refrigerator not cooling. We dispatched Premier Appliance Service (Premier Appliance) to diagnose the failure. On July 13, 2023, you contacted us inquiring about a cash payment in lieu of repair. On July 14, 2023, Premier Appliance reported the evaporator cover had failed, and we ordered the part. On July 18, 2023, the part was delivered to the Premier Appliance, and you we were unsuccessful in reaching you to inquire how you would like to proceed. Upon receiving this review, we see you have replaced the refrigerator outside of your home warranty contract. As such, the cash payment in lieu of repair has been processed. Kindly allow 5-7 days for delivery of the check.

markmostasharim
7/3/2023
Worse company ever. Our water heater broke down and we submitted a claim on Wednesday, after 2 days they sent a plumber to check the issue. We were told the gas control valve needs replacing, and they will call and notify First American for further steps. I called the following Monday to check the status of our claim the plumbing company said it will take 7 to 10 days for them to receive the part which could be found even at Home Depot. I called First American to ask how soon the part purchases will get approved and will be sent I was told it is in process and they cannot give any specific information about that. Just imagine how difficult it can be not to have hot water for a shower; no... Read More

First W  
Official Response

Warranty Care of First American Home Warranty
Thank you for sharing this feedback with us. We were unable to locate your claim with only the name provided, and would like to look into this further. Please provide your claim number.

gpanesar
6/13/2023
HVAC Issue: I have been customer of First American home warranty since 2008 and have been paying them monthly since then. I never had any major issue with since then. However, for the first time, I needed their help when my HVAC broke down on 5/31 in summer heat of Texas and I was without AC with 2 little children and my elderly mom. I created a service request, and first contractor came out on after 2 days on Friday evening who found that evaporator has been broken down and I need to work out with supervisor on coming Monday who come to explain the repair process and my out-of-pocket charges. As it was emergency, I asked First American to change the contractor. Second contractor came out... Read More

First W  
Official Response

Warranty Care of First American Home Warranty
First American’s records indicate regarding your air conditioning claim. You did not want to agree to pay the non-covered cost associated with the evaporator coil replacement. Two different contractors that were dispatched, provided two separate diagnoses, and recommendation to replace the evaporator coil. They reported modifications associated with the evaporator coil replacement, which no modifications are covered items, per the home warranty contract. You informed First American, requesting to take the cash out payment option in lieu of the replacement of the evaporator coil. The cash out payment was issued on 06/29/23, in the total amount of $637.83, which includes First American’s responsibility of coverage for the part and labor. Regarding your microwave claim, due to parts were determined no longer available for the unit for repairs. First American provided a replacement offer, you denied the initial replacement due to the dimensions for the unit. You then declined the option for a cash out payment but requested again for First American to find another microwave replacement, similar to your original one. As of 06/14/23, you accepted the second replacement offered, the microwave will be shipped directly to your home address. In regards to the refrigerator claim, the diagnose provided was of no mechanical failures found. It was reported the refrigerator needed to be defrosted; there was an internal freeze, and the recommendation made, for the refrigerator to be defrosted for 48 hours, and unplugged with the refrigerator doors open. First American will need to be provided with a second opinion in order to re-review the initial diagnosis provided.

Robin L
5/31/2023
I feel like I have been punk’d! I signed up with this company about 4 months ago and as luck would have my Jenn Air Oven stopped working. My first phone call was (Sunday) May 7th in which they took a $100 service fee and said someone would get back to me in 24 hours. 48 hours came and left and no phone call. The agent told me I was assigned to JC Appliance and to await their call. Someone finally called on Thursday, May 11th, and said he would be there between 2-4 pm on Friday the 12th. I gave him a call at 4:45 and he had totally forgotten that he put me on the schedule. He apologizes and puts me on the schedule for Saturday the 13th from 10 – 2 pm. Guess what, no call no show! I... Read More

First W  
Official Response

Warranty Care of First American Home Warranty
Hello Robin, we apologize for any inconvenience you may have experienced during the handling of your claim. Our records indicate you placed a claim on May 7, 2023, for the cooktop display not turning on. JC Appliance Services was dispatched and reported to find the control board had failed; as such, the technician recommended replacing the user interface board. On May 17, 2023, we authorized this recommended repair and ordered the replacement user interface board. On June 5, 2023, you reported to us that the repairs had not yet been completed by JC Appliance Services. At this time, we advised that we were currently in the process of obtaining scheduling information regarding this appointment to complete repairs from JC Appliance Services and would be providing you with an update once further information was available. As such, we consider this claim pending.

Paul D
5/13/2023
I would give an overall rating between 2 and 3. I have been with First American since 2010. To be fair, there have been service calls that went well, but others not so much. When I had my heat pump go out (during over 100 degree weather), 1st Am said they were only going to cover the compressor and I would be paying over 1K for "non-covered" parts. Weeks (long hot days) later, after numerous attempts at parts, they decided to replace the heat pump all together. I still paid over $500 but that was much better than the alternative. When my garage door spring broke, I was told they would only replace the one spring, so I had to pay $300 for the other side--which was sure to go shortly after.... Read More

First W  
Official Response

Warranty Care of First American Home Warranty
Hello Paul, we apologize for any inconvenience you may have experienced during the handling of your claim. Our records indicate you placed a claim on August 11, 2021, for the garage door opener not opening or closing. 5 Star Garage Door Service and Repair of Cleveland LLC (5 Star) was dispatched and reported to find garage door opener logic board had failed; the technician replaced the garage door logic board on August 27, 2021, and reported the garage door opener to be operating normally. On May 12, 2023, you contacted us to check the status of this claim and to request further information regarding the second remote and keypad for the garage door opener. On this same day, we contacted 5 Star, who confirmed they replaced the garage door opener’s logic board and provided you with a retail bid to replace the second remote and keypad in the amount of $225.00. On May 17, 2023, we attempted to contact 5 Star to obtain additional information regarding the repairs that were completed and the retail bid that was provided to you; we were unsuccessful in reaching them at this time. We will be continuing to attempt to reach 5 Star until all requested information has been received. As such, we consider this claim pending.

J
Jeffrey S
4/10/2023
I cannot believe that this company has performed at such an inadequate level - actually inadequate would be overrating their performance. I purchased the policy with the idea that "sure, I could fix things, but it would be nice to have our second home covered for small repairs that would make life easier." NO WAY!!! We had a simple thing - garbage disposal started leaking, so we called First American. That was March 26 and it is now April 10th. I just got off the phone after being hung up on by the company. After several calls to First American and their plumber - absolutely nothing has been done. I did pay them an extra $85 for their claim. A plumber came in and said, "yes your garbage... Read More

F
First W  
Official Response

Warranty Care of First American Home Warranty
Hi Jeffrey. We would like to apologize for any inconvenience and delays you may have experienced during the handling of your claim. According to our records, you placed a claim on March 26, 2023, for your garbage disposal leaking water. GVS Plumbing confirmed the garbage disposal was leaking and replacement was approved including non-covered costs for modifications which are not covered by your home warranty contract. You may refer to Limits of Liability Number Six. On April 12, 2023, GVS Plumbing indicated they would not be able to complete the job and All Express Plumbing was dispatched. All Express Plumbing indicates the garbage disposal was replaced on April 18, 2023, and did not report any non-covered costs to you associated with the replacement. Should you require additional assistance, please let us know.

Rubina M
4/10/2023
If I could give FAHW a negative rating, I would. Absolutely, the worst company to deal with. Our double oven stopped working in 08/2022. We filed a claim. It took them about 10 days to send a repair man. The repair company said they have to order a part that is on back order. It took them 2 months to get the part. They came and replaced it and the oven still had the same problem. Then they said the electric relay board needs to ordered, but that is also on back order. Then they realized that they couldn't order the part because it is no longer produced. Instead of replacing our oven, FAHW send another repair company to come and look at the oven. The repairman saw that there is a... Read More

First W  
Official Response

Warranty Care of First American Home Warranty
Rubina, Thank you for sharing your feedback with us. We would like to look into this further for you but was unable to locate your claim with only the name provided. Please reach out to us directly for additional assistance.

Rubina M
4/10/2023
If I could give FAHW a negative rating, I would. Absolutely, the worst company to deal with. Our double oven stopped working in 08/2022. We filed a claim. It took them about 10 days to send a repair man. The repair company said they have to order a part that is on back order. It took them 2 months to get the part. They came and replaced it and the oven still had the same problem. Then they said the electric relay board needs to ordered, but that is also on back order. Then they realized that they couldn't order the part because it is no longer produced. Instead of replacing our oven, FAHW send another repair company to come and look at the oven. The repairman saw that there is a... Read More

First W  
Official Response

Warranty Care of First American Home Warranty
Rubina, Thank you for sharing your feedback with us. We would like to look into this further for you but was unable to locate your claim with only the name provided. Please reach out to us directly for additional assistance.

M
Mary A
4/1/2023
Not a fan. We've been without a working dishwasher for about a month now, because they keep sending the same company to "fix it", with zero effect. The last straw is that I called today to ask to resubmit the service request because the service request was closed even though the problem wasn't fixed, and the representative on the phone had THE MOST INSULTING AND CONDESCENDING tone of voice I've ever gotten on a customer service phone call. It literally sounded like he was rolling his eyes through the phone. I cannot deal with bad customer service in addition to bad appliance repair, and I immediately started shopping around for a new home warranty company.

F
First W  
Official Response

Warranty Care of First American Home Warranty
Mary, We are sorry to hear that you have been experiencing this delay. We would like to look into this further for you but was unable to locate your claim with only the name provided. Should you still need assistance, please reach out to us directly.


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