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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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R
Reagan S
8/23/2021
I have a warranty through First American Home Warranty. I have not had air conditioning in my home, in the South, in the middle of summer, for 3 months now. I have had the warranty for years. I have had to fight them on claims before but never to this extent. My air conditioner stopped working and I called First American to file a claim on May 27, 2021. As of today, August 23, 2021, I still do not have working air. There have been delays caused by numerous issues including the contractor they selected misdiagnosing the issue initially, repeated failures to approve purchase orders, and most recently the wrong part being ordered and not realized until it was being installed. Every time... Read More


noknownana4
8/18/2021
I have had a policy for over 20 years. First American claim no limit on claims. I have filed claims in 2020 and 2021 with some ending in a cash out for replacement of items. I found on Aug 18, 2021 that my policy has be terminated. At that time I requested date of termination and for a copy of cancellation letter for my records. I was told that I would not get either the date of letter or a copy of letter and I would have to contact Complaint Dept., P.O. Box 8030, West Hills, CA 91309 by mail only! I requested a phone number or email address and was told there is none for the complaints. I should of received notice by mail and email, both of which are on file at First American. Very... Read More


jcoastie
8/17/2021
I submitted a claim to fix my dryer 3 months ago and paid the $75 service fee. It took 3 weeks for the first repairman to come out. It needed a part which arrived at my door 2 days later. 2 no shows and over 2 months later and I still can't get anyone to come fix it. I lodged a complaint with the BBB as well as calling this company multiple times. Last time I spoke with them they told me I needed to be "more patient". Stay away from this company!


ggoodman84
8/13/2021
Service is very poor. If your claim is an easy fix, the service is fine, but if there are complications, it is terrible. I do not recommend this company. My claim involved plumbing. The first plumber came and claimed it was an appliance issue. The appliance person came and said it is a plumbing issue. The second plumber came and said this is a major problem inside the wall, and doubted that First American would cover it, but he would submit his report. I heard nothing afterwards except that it was being reviewed. Trying to contact them by phone is a nightmare. They tell you to go to fahw.com to submit your request. There is no link there to do other than buy a policy.... Read More


dvmaxfield
7/26/2021
This company is awful. Not only do they use terrible contractors, but they do not service their customers or resolve complaints. I have service orders pending for months that don’t get resolved and their solution is to try and call the contractor (who won’t complete the work) or escalate my complaint to another department (I’ve come to believe this department doesn’t exist as I never hear back when this happens). I have called more times than I can count and every time you call you listen to 5 minutes of hold messages about delays due to Covid over and over. I have lost faith in their ability to resolve or service their plans. I’ve now used my own contractor and paid for it with my... Read More


cgarcia324
6/15/2021
We discovered a leak in both the refrigerator and dishwasher of our newly purchased home. After requesting service online and paying the required service fee, a technician came out and fixed the refrigerator leak, ordered parts for the dishwasher and said he'd return when parts arrived. We did have to wait for the parts to arrive before scheduling the follow-up which added another two weeks to the repairs being finished. However, both technicians arrived on time, completed the tasks efficiently and completely. Claims and scheduling are all done online. When we did have a problem with the computer not taking our request for the follow-up appointment, I called customer service and got... Read More


Vira D
5/22/2021
First American Home Warranty We are giving you one star because that is the only option we have and additionally because they actually answer the phone only to hang up when you ask for a supervisor. This review is to WARN homeowners that are considering this company. DO NOT go with this warranty company, we have had the WORST experience with them. Our water heater burst and since the time we put the claim in we have gotten nothing but the run around. On day one, we were told that a plumber would come out and take care of the issue. A plumber came almost 24 hours later only to assess the water heater. That evening (4 days ago) we were told that we would not have hot water until the... Read More


C
Cindy
4/27/2021
This was our first experience with a home warranty company and god, what a nightmare! As part of the coverage, they told us we could rekey 4 locks in the house. When the technician showed up, turned out he wasn’t even a certified locksmith. He worked for Meridian Property management company, which FAHW contracted with. So ok, being first time homeowners, we didn’t know any better, so we let him proceed. BIG MISTAKE He took apart the front door lock and wasn’t able to put it back together! So he left a huge mess, packed up and took off! Called Meridian Property to complain and their response was “so what?! He can’t put it back together, so what do you want me to do?!” Are you... Read More


T
Teresa F
4/21/2021
-0 Rating. Horrendous Customer Service, even from their so called Managers. Do not expect to ever get a call back from them. My belief is that this company has a policy that their Reps never return your calls. You have to call them continuously and be on hold for extremely long periods of time. The "technicians" that they contract with are not rated well at all. See for yourself, by reading reviews of the companies they contract with. BBB also shows all the complaints that FAHW clients have endured. If you think it won't happen to you it will. The reps say that do not go by Yelp reviews or any other online reviews. They go by their clients reviews. Well here's another client telling you... Read More


N
Nicholas A
3/31/2021
Be very careful with First American Home Warranty. I filed a claim when my HVAC went out (for the 4th time within 6 months). First American hires bottom of the barrel contractors with extemely bad reviews. I can attest to the work from these contractors due to there lack of customer service, communication, and overall education/experience; Thus why I had to file a claim on my HVAC four times within 6 months. I paid money out of pocket to have a real HVAC expert come out and diagnose the problem and forwarded the report to First American and the contractor presently assigned (Air Experts of North Florida). The contractor came out and verified the issues and had First American order the... Read More



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