We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more

First American Home Warranty Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
580 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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

Leave a comment for First American Home Warranty
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

580 Customer Comments & Reviews

Loading Reviews ...
afoneman
11/18/2021
Honestly the WORST customer service experience ever. All their Reps are now based in the Phillipines and have no understanding of American concept!! They have absolutely no compassion and are solely working off a Script. It's like talking to a foreign robots with no brain!! I've been with the American Home Shield for the past 20 years and up til the last 2 years when the Reps were stateside, had nothing but glowing reviews for them. But as soon as they moved their base to the Phillipinnes, it has been an ABSOLUTE NIGHTMARE!!!! This company is based in Tennessee. Even if you try calling the corporate office, low and behold, you 'll be forwarded to the Phillipnnes Call Center!!


stephadams1217
11/4/2021
BUYERS BEWARE!!! The first time I filed a claim no one ever showed. The second claim they sent a plumber that was incompetent and did nothing to resolve the issue. I called to have someone come out, and spoke with two overseas reps who were just as incompetent as the plumber. I was told I told to wait two business days for a response, but instead received a text with an appointment with the same plumbing company I asked her not to send back to my home.


D
David
10/25/2021
First American Home Warranty Service is terrible. It takes weeks to get simple repairs. I am to the point where I have payed out of pocket for repairs instead of making a claim because it is too much of a hassle. I have waited for a month to have my HVAC repaired. I am currently waiting for over 2 weeks for a leaky faucet. Claim has been assigned to a specialist that I have yet to speak to. Left 2 vm’s without a call back.


rschulte74
10/22/2021
Terrible Home Warranty Company, avoid at all costs. Had this company for several years. Filed a single claim on our refrigerator after years of paying them. It's been almost 5 months, no repair. Had to file a BBB complaint and State Attorney General consumer complaint. They responded to the BBB complaint offering to replace our refrigerator with a lesser non-comparable model or cash payout. We accepted cash payout and have not heard anything further from them or received any check. This company is a SCAM. I have put a stop payment on my bank account draft and am working with my states Attorney Generals office on the matter for potential Fraud, Breach of Contract, Breach of Warranty and... Read More


armijomarcia
9/29/2021
I agree, this company is a ruse. I have had a year-long problem with service for my washer dryer with no result to date. I hope that something can be done about this company's fraudulent business practices.


T
Tiffanie
9/28/2021
If I could do 0 stars I would. American First home Warranty is the biggest ruse. We have been fighting with this "so called" service for almost 2 months to fix an AC unit in Texas in the summer. Gladys Stokes is the worst service person I have ever worked with at any company. Despite numetous attempts and tons of data and proof that my AC unit was bad, they continued to give reasons why they had to delay fixing the issue. I was defrauded by this company and they have NO interest in helping resolve this claim. In fact, they informed me my portion to pay was almost as much as the company who had given a quote to fix it. What is the point? Please warn any and all potential customers /... Read More


nadjaradmanovic
9/18/2021
First American does not seem to care about the people who it is supposed to service. I submitted a claim for my HVAC two months ago. After having an HVAC contractor come out, who then told me I had to have an electrician come out, to just have the HVAC guy come back - I found out I had to replace the whole thing. I paid for most of it out of pocket, First American barely covered anything. The guys came to replace it and found there was an electrical issue. The same thing as the first time happened. The HVAC guys came out, told me I needed an electrician, then the electrician came out and said that the HVAC guys broke the wiring. When I told First American this, their solution was to have... Read More


R
Reagan S
9/13/2021
Today is September 13, 2021. I filed a claim for my air conditioner on May 27, 2021. My air conditioner remains broken. It has been more than a month since I have been able to get any information from anyone at First American. My claim has been assigned to a single employee, who I have never been able to reach, and they are the only person that can give me information.


ryanatziveti
8/31/2021
I had First American for over 8 years at my previous home and 2 years in this current home, up until this last month. In the past few years we began having issues with getting repairs done timely or completed by competent professionals. For the past two years, we have been fighting with them to fix our HVAC (heating and cooling system). We have not had heat for the past two years, which in Arizona is not as bad, but it still gets cold here. My home with space heaters was able to stay around the low 60s during the winter. However, every three months we had issues with the heat or the air due to the system losing coolant. Since March 2021, we have not had air that cooled the house... Read More


rserratolaw
8/31/2021
It took over 7 months to get my microwave fixed ("no parts"), but I found them on Ebay, yet .... what do you do?



Our Partner

Best Home Warranty for Broad Coverage

  • Get $100 Off with Code PROTECT
  • $213 Million Saved By Homeowners in Repairs
  • Covers Up to $3,500 Per Home Appliance
  • Filing a Claim Does Not Increase Your Rate