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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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Prince M
4/21/2017
The "service" is all around bad. The contractor have be a ncns virtually every time I had to have one sent out. During a record breaking ckld streak here un Indiana I waited a month for a contracto to come out. After 4 ncns and 3 weeks the gave me a voucher to by a space heater. Each year the cost gets higher and service gets worse. Do not use the company.


Dan H
4/20/2017
Service is so so. Half the time my contract did not show active on their website causing several extra steps to do a claim. Then when I sold my property, it has taken over 6 months and multiple calls and emails to try and cancel the policy. In the mean time I am getting harassing robo-calls from them. I will never use this company again and would recommend avoiding them to everyone.


Ryan B
4/18/2017
I currently have this company and they have only one company to fix my refrigerator and I've had to call a total of 8 times on this claim talked to two different supervisors where the first one was understanding and tried to help but didn't follow through, then when I called back I still have to wait another week before anyone will be out which they never told me and then called me a liar when I said I never had a call from then, they then proceeded to refuse their supervisor and told me they aren't refunding me any money when I asked what they plan to do to keep me as a customer


C
Carmen K
4/14/2017
I had never in my entire life had to deal with such unprofessional group. My husband has ALS on a ventilator every time I have called this group this the 2nd time to place a claim for the same proble I can't get anywhere.i place a claimed at 2:25 pm on a Friday afternoon, got a working order number . I didn't hear from any body, I didn't have a nurse for the day so had to be by my husband side to keep him comfortable because we are reaching a 76 degrees inside the house , my husband can't regulate his temperature so I have to be by his side to make sure his temperature doesn't out of the roof. I didn't have the time to call company that was assign to our service contract and when I... Read More


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Petra
4/14/2017
They bandaid EVERYTHING. For one... my AC unit has been "repaired" more times than I can count (Not exaggerating). Our renters with children have had to wait sometimes up to a week in 80°-90° heat to get one of AHW's companies out there to "rig" it for a few weeks. They did shell out $20 towards a fan for the kids last time they couldn't get anyone out there in a decent amount of time, but would not even entertain putting my renters up in a hotel while they wait wait wait days for a repairman to show up. Last summer my property manager called his guy and I paid out the nose, but was still cheaper than what I've paid First American over the years (They still refuse to replace... Read More


C
Craig
4/13/2017
DON'T WASTE YOUR TIME/MONEY! I purchased a one-year first class contract from FAHW at the recommendation of my realtor. About 1 month after closing on my house, I had multiple breakers that kept tripping under unusual circumstances. This is where FAHW proved they are just like any other poor-reputation home warranty provider; they sent an incompetent electrician to my house who did nothing (~5 minutes of troubleshooting before saying nothing was wrong), and then left me to have to find a good electrician who fixed the problem. Then I had to argue that I shouldn't pay for the service contract since their electrician did nothing. Instead, I requested I get a refund of the remaining... Read More


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Lynda T
4/11/2017
We have been with this company over 12 years & just had our ac fixed - after waiting for 5 days for a part & having to pay $760.00! The ac part was covered under warranty by the manufacture & FA paid for the labor. We are under warranty until 2021 but what we had to pay for were modifications to the unit. The company that FA sent said that the modifications were necessary to make the repairs - although they could/would not tell me why a unit that was only 5 years old needed modifications. We also just received our plan renewal letter stating that the monthly payments will be $62.00 & the service fee will be $75.00. Not doing it! Will be looking for a new warranty company. Based on my... Read More


Q
Quana S
4/10/2017
My issue is with the billing aspect of this company. I pay my bill every 30 days as required. I called today to ask them if they can change the day the monies come out of my account. The funds come out on the 9th of each month... Tell me why this guy says that they can not change the due date being that it will be 3 days behind the month they originally received the payment. How about I'm searching for a new warranty company myself. I'm looking for someone who doesn't mind assisting loyal customers during hardship. Signed.....A very disturbed but loyal customer....


Terry W
4/9/2017
This is a terrible company. 5 months ago it was a great company. We have been struggling with them for over 2 months to get our Heat pump fixed. First they sent out a firm that was totally unqualified - not only didn't fix the problem, but installed a part that has since broken. In trying to get a different firm, I spent hours on the phone with people who could not speak or understand English. Including sending an email to me with a service order - that was never sent to the repair company! Finally got a person who understood, and she set us up with another company. They came promptly, found the problem, and set out to get the repair authorized and the parts ordered. That was over a... Read More


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ELIZABETH
4/4/2017
I submitted a claim for my ac unit on March 7,2017, today is April 4,2017 and STILL NO AC!! I told them I had a baby in the house and needed this fixed ASAP!! The guy from customer service said "NOT MY PROBLEM" WOW!! I will NEVER recommend them to anyone!!



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